davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After several attempts to delete this in accurate information, this consumer reporting agency has told me that this account has been verified. I have never acknowledged, or accepted this account as my own, because it is not mine. I have never done business with this collection company and their misrepresentation and furnishing of misinformation has caused me, the loss of jobs/job opportunities, public embarrassment, and overall displeasure in my life The account information is as follows. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX account. {$430.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. 
Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$430.00} High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Reinvestigation information This item was updated from our processing of This collection account by XXXX XXXX XXXX represents an alleged debt of {$430.00}. This alleged debt has never been proven to be mine. I have certified mailed this debt collecting company several times, requesting an original contract, proof of business debt validation, and I have requested to see The purchasing agreement that will give this company authorization to attempt to collect on this alleged debt I have never received this. 


My complaint is that this consumer reporting agency ( XXXX XXXX, Trans Union, ) that continuously tells me that this account is verified, has never provided me with proof of verification, which is my right under title 15 U.S. Code 1692g - Validation of debts. 


This reporting agency has told me that they have verified this debt. I am requesting that they show me proof of how they verify this debt. What steps were taken? what documents were reviewed? what information was presented to this consumer reporting agency for them? Legally it is my right to know the process in which these accounts that reflect my consumer reports are validated
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

In XXXX, I was renting an apartment with a lease along with two other people from the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and I left at the end of the fall semester of XXXX due to XXXX XXXX issues with my schooling at XXXX XXXX . I was under contract thru the summer of XXXX and on XX/XX/XXXX I went to the XXXXXXXX XXXX office along with my aunt, XXXX XXXX, to pay off my contract amount and settle all issues with the Lease. {$7100.00} was paid to the XXXX for settlement of all amounts owed according to the person who was working in the office. I asked repeatedly if we were all good and complete and the lady assured me that all was completed and settled. XX/XX/XXXX, almost 18 months after I paid off my lease, I received a letter from Pro-Collect demanding payment of {$1200.00} for unpaid monies due the XXXX. I contested the amount due and returned the paperwork per instructions. But then I started receiving collection calls. I asked about the dispute resolution process and was told by the Pro-Collect caller that they had no response from the XXXX and so they would continue to call and try to collect and then the threats began. I immediately sent a letter to Pro-collect, the XXXX and their holding company in XXXX, including copies of the check written to pay and all the details. To date no response from the XXXX. Pro-Collect has reported this to the credit bureaus and now my credit score has been affected. In XXXX. XXXX, I received a letter from a law firm in XXXX threatening we with legal remedies about this alleged debt. It included the detailed ledger of the account and it was clear that the XXXX continued to charge me with miscellaneous charges after I gave them notice and paid the amount they said I owed. The amount they say is due is a sum of these miscellaneous charges after I vacated the apartment. I responded again to the law firm, explaining all details again and copied the XXXX. I sent a letter in XX/XX/XXXX to the XXXX requesting that they correct all this and stop the threatening phone calls from Pro-Collect. As of this date I have never received any response from the XXXX and their owners even though my letters were sent with tracking so I know they have been received. I would like this debt cleared with Pro-collect and my credit report corrected. I believe the XXXX is fraudulently trying to collect money because I am a young, ignorant, XXXX but that is not the case.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

Hi XXXX XXXX XXXX live at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ca XXXX account number XXXX. I have and I have a collection on my credit report that I have no knowledge of and this is a violation of my privacy. 

Please remove account immediately I had no clue of this account. 

I have never done business with this company or any company I dont owe.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC (FL)

I have been trying to obtain a Short Sale Approval for a while, this is the 4th time that I sent a full package to Gregory Funding ; it seems that this servicer has only one person in the short sale department since the file always go to the same person XXXX XXXX ; the appraisal of the property was done on XX/XX/XXXX after 2 weeks after 2 weeks XXXX XXXXXXXX called the short sale processor and requested a {$460000.00} counter offer, the processor requested the appraisal results, but she said she could not provide this information. However, the counter offer was sent to the servicer immediately with the preliminary HUD 1 which stated the closing date as the contracts specified 45 days after approval ; XXXX XXXX requested to the processor to change the closing date given only 20 days to close which was against the contract ; the short sale processor explained that to her, but the short sale was denied on XX/XX/XXXX, now they have a new package since XX/XX/XXXX, and she does not contact anyone on the package or send any correspondence or email ; she called us stating that she did not wanted to work with the short sale processor and that we should choose another realtor because she was upset about my previous complaint with cfpb
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

Personal accounts at Chase have been breached several times. Even with multi fraud alerts, over 100 unauthorized charges on XX/XX/24 and XX/XX/24 were processed totalling just under {$19000.00}. I never received the card used but a PIN was used and I was not told what the number was. But because a PIN was used, Chase says it equals permission and my fraud claims were denied.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three credit bureaus and XXXX XXXX are reporting the balance at least {$1000.00} HIGHER than what is showed, PLUS it being OVER the limit. 

So far, XXXX and XXXX have maliciously and fraudulently ignoted my attempt to correct it. 

This is effecting BOTH XXXX XXXX and XXXX XXXX credit reports and scores. This is exceptionally bad due to the fact that we are immediately attempting to purchase a house. PLEASE urgently force them to fix this massive problem.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (NC)

In XXXX XXXX now owned by Wells Fargo promised me at origination that my loan would not be sold at my verbal request. 

Today XX/XX/XXXX I received a letter from Wells Fargo that my loan has been sold to XXXX XXXX a servicing provider who this past XX/XX/XXXX had a major security breach of 14.7 million customers sensitive information. 

I contacted Wells Fargo today and spoke with XXXX who hung up on me. I immediately called Wells Fargo back and spoke toa representative named XXXX who told me Fannie Mae told Wells Fargo they could no longer be the servicing provider and my loan had to be transferred to XXXX XXXX. 

Knowing this was not true I called Fannie Mae spoke with XXXX ID # XXXX who informed me Fannie Mae does not tell servicing providers who to or not to sell their loans too. 

I called Wells Fargo back, spoke with XXXX and immediately asked to speak with a Manager. 

XXXX told me they don't have Managers, they have Escalation Specialist who are Managers, they just don't call them that and transferred me to XXXX XXXX who identified herself as an Escalation Specialist. I asked XXXX if employees reported to her, did she give them feedback, monitor or give them feedback about their performance, including corrective action. XXXX answered no and transferred me to a Manager named XXXX XXXX. 

XXXX informed me he sent my feedback about my experiences with the 3 representatives I spoke with before him as well as sent my complaint about not only the loan officer promising me my loan would not be sold, but it was sold despite that promise to XXXX XXXX who had a major security breach in XX/XX/XXXX that impacted almost 15 millions people sensitive information to the highest level. 

XXXX told me I would hear from their Executive Team usually within 2-days. 

Wells Fargo should honor what the loan officer promised me, especially since he never told me about or offered me a form to sign about my loan never being sold. 

Wells Fargo should not only never sell my loan, but should also not transfer my mortgage, or mortgage information to XXXX XXXX.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

XXXX XXXX1st phone call to Chase customer service representatives. I have spoken with the representative who told me that my XXXX dollar deposit was flagged as fraudulent and my account put on restriction. I received an email as well saying that my account would be terminated if I did not take action. 

XX/XX/XXXX, 2nd phone call to chase where the representative told me that the writing on the check seemed like it was traced over thats why it was marked as fraudulent. The name of the issuer of the check needs to be associated with the business but is not coming up in his system. I asked if the writer of the check could be contacted or brought in person for verification and I was told they are not allowed to do that. 

XX/XX/XXXX, 3rd phone call to Chase representative where the representative I asked the representative about how they pull information to verify the issuer of the check as we have tried to update our business number on yellow pages, XXXX, to try and make sure anywhere it would come up would be associated with the writer of the check. The representative told me they are not allowed to tell me how or what system they use to pull the name and phone number from. 

Saturday XX/XX/XXXX, my fourth phone call to Chase. I spoke with a representative from Chase who told me she wanted to help me and that she noticed that they cashed two previous checks from the business and the writer of the check on hold already, so she was looking into why this one was flagged. She asked for the phone number of the issuer of the check and said we could call him and verify him. My boss was not able to come to the phone but she put in her notes that I would be calling the same day but between XXXX to try again and that we were allowed to reach out to the issuer of the check by phone for verification. 

Saturday XX/XX/XXXX, XXXX my fifth phone call to chase. I told the representative to review the notes and that I was told calling my boss would work for verification and he said we could do that. My boss picked up and they spoke, after about 10 minutes on hold, even after my boss hung up, he told me that it still was not acceptable for chase because his name was not coming up in their system. So back to square one.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCT XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (TX)

I made a Money Order purchase for XXXX XXXXXXXX at PLS Store - XXXX XXXX XXXX XXXX XXXX Tx XXXX [ XXXX ] on XX/XX/2021 ' I was recently notified by my former apartment that the said Money Order was neither received nor Cashed Out. 
I have contacted several PLS stores, Employees and Customer Service [ XXXX - XXXX and the are unwilling to give me a refund. I need help recuping my money Thank you
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OR)

Complaint Regarding Credit Collection by XXXX, XXXX XXXX XXXX XXXX. on Behalf of XXXX Dear XXXX, I am writing to express my deep dissatisfaction and frustration with the handling of my credit account by your firm, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

During the period of collection proceedings, I was facing significant health issues and undergoing tests for what I believed could have been XXXX XXXX. Understandably, this was an extremely distressing and challenging time for me, and attending court proceedings was not feasible given my health condition. 

In an effort to resolve the matter swiftly and mitigate any further stress, I made the decision to pay the full amount owed, despite my circumstances. However, despite fulfilling my obligation and settling the debt, I have observed that my credit score continues to suffer as a result of this incident. 

This ongoing negative impact on my credit not only affects me personally but also has repercussions for my family and my business. It is deeply concerning that despite my efforts to resolve the matter, my creditworthiness remains compromised, causing undue hardship and inconvenience. 

I urge you to investigate this matter thoroughly and take immediate steps to rectify the situation. I request that any negative reporting related to this account be removed promptly to restore the integrity of my credit profile. 

I appreciate your attention to this matter and expect a swift resolution to alleviate the undue burden placed on me and my livelihood. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. under 15usc 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 also states that a consumer agency can not funish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX account XXXX  XXXX, XXXX XXXX. These accounts have both violated my rights and I need my accounts to show the remarks as current. The next step is reporting to the local Attorney General of Texas.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

This issue shows that I opened an account on XX/XX/2018 with First Bank of Omaha and that I owe them {$7100.00} for something I know nothing about. I have sent numerous letters to both XXXX XXXX  who is the debt collector listed on my report and the credit bureaus, as well as First Bank of Omaha. I have not received anything other than an Invoice from XXXX  XXXX  saying I owe {$7100.00}. I requested more information and instead of sending me the requested documents they actually updated my credit report to show as new debt and increased the amount. Lowering my score again. 

They have hit my credit report more than once for this alleged debt with no documents showing that I opened an account with them. I did not open an account with them I dont know why this is on my credit report
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-07-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Nationstar is the worst mortgage servicer in the world. They should be shutdown. Every time I interact with them, they mess up what they are supposed to do with my money. I just recently went on their website and processed a purchase and coded it as an extra escrow payment, and they coded it as a principal payment. I now have to call them and go through their terrible customer service to have them apply it to escrow. They will then lower my payment instead of just adding it to escrow, and I will have to have them run another escrow analysis. They will then send me a check that I do n't want. I will then attempt to send them back the money since I want it in escrow and they will mess that up again. The circle continues this way with no end in sight. I have contacted you before on their incompetence and nothing is fixed with this company. When do you plan on fining Nationstar? When will they be shutdown? Can you force them to switch me to a mortgage servicer that knows how to service a mortgage?
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (NY)

Based on verification records from the XXXX XXXX XXXX XXXX, it has been determined that Professional Debt Mediation , Inc. ( XXXX XXXX XXXX XXXX ) is not licensed, registered, or authorized to conduct business in the State of New York ( NYS ). This constitutes a violation of NYS General Business Law, which is enforced by the New York Department of Financial Services ( DFS ).

I have been residing in New York State during the time period in question that Professional Debt Mediation , Inc. claims the debt was incurred.

Additionally, Professional Debt Mediation , Inc. is not licensed, registered, or authorized to conduct business in the State of Nevada, where they claim the debt originated, which certainly does not belong to me during the time period in question.

The unlawful actions of Professional Debt Mediation , Inc. have adversely affected my credit score and financial stability, making it challenging for me to access credit or loans at reasonable rates and meet my financial obligations. Under the law, I am entitled to {$1000.00} in damages plus attorney fees due to their negligence.

As a resident of New York State, I am aware of my rights, and therefore, I demand that Professional Debt Mediation , Inc. cease and desist all collection activities and remove their erroneous collection entry from my XXXX credit reports and all other credit reporting agencies. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation into this matter. Thank you for your attention to this serious issue.