davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Today is XX/XX/XXXX and I am responding to communication from Midland Credit Management XXXX XXXX. Per response from this company, she stated that a notice was sent to me on XX/XX/XXXX to my address but attached a letter that was not from Midland. Please provide me with proof of this letter that was sent that I NEVER received.

Please be advised I have requested validation { not verification } of an item reported to you by the above original XXXX XXXX, I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 

I am proceeding with legal action as prescribed by law against Midland Credit Management Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have a bankruptcy chapter XXXX that was discharged on my credit report. I received my letter from the bankruptcy court that specifically says, they do not report bankruptcies. I sent that letter to all 3 credit bureaus as well as to XXXX XXXX to have the Bankruptcy removed. It has been over 30 days and I have not heard back from XXXX XXXX. The credit bureaus responded back stating they verified with XXXX XXXX. If the bankruptcy court does not verify bankruptcies, how is it that a third party company reports this as a valid debt?
Consumer complaint received 2021-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lincoln Educational Services Corporation (NY)

I sent a debt validation letter to Lincoln Technical Institute in response they ignored my requested and sent a settlement letter instead which I will attach. I have never had an agreement to alleged debt nor signed documents attach to alleged debt. I will attach the debt validation letter that I sent along with proof of it being sent via certified mail. I also will post an affidavit of truth sent so Lincoln on XX/XX/21
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This company which is convergent and the original company or creditor is XXXX XXXX. They wrote me a letter on XX/XX/2021 and I responded back to them on XX/XX/2021. Letting them know that this was not in my name this is the second company that has tried to collect on the saying say it did and it has been removed from my credit report once. The name of the sea it did is XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. The amount is {$470.00}. I wrote them they have not responded back to me. I wrote them on XX/XX/2021 a dispute letter for this collection.
Consumer complaint received 2021-07-09
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (SC)

Navient, my student loan servicer, is constantly adding/removing new accounts even though no activity has taken place on these accounts since the National Emergency Forbearance was granted. Also, Navient had me enrolled in a program where my payments were only $ XXXX/mo, then they unerolled me in the program and now I have 14 late payments. I didn't even know the terms had changed from {$5.00}, to over $ XXXX/mo. It seems unfair that this was not properly communicated and there seems to be no remedy. I have been paying on my student loans since XXXX, it only shows a few years of payments, thus making my payment history out of ratio.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have sent several dispute letters online and through the mail. I started mailing out letters to the credit bureaus and tracking. I have sent several letters but on XX/XX/2021 I requested a re-investigation and I also asked for verification and how they verified the information on my report. Each time they sent me an electronic response about how they verify but it's an automated message and they are all the same. I sent another letter in XX/XX/XXXX and XX/XX/XXXX. They send me an electronic reply shortly after I mail the letters but don't address any of the items that aren't accurate. I have single accounts showing 23+ charge-offs for the same account. How can one account be charged off 25 times? There are several like that. The balances are not accurate. Some items are missing information. They aren't doing a thorough investigation. I have asked them to prove how they verified the information being reported and they just keep sending me computer-generated emails or they say the account is verified or updated. However, the information is still wrong. I have sent letters to the creditors as well. My first letters went out in XXXX and again in XXXX.
Consumer complaint received 2021-07-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

XXXX XXXX XXXX primary residence and mailing XXXX I am writing this complaint as a last resort. Last year with covid we were treated in disregard by XXXX I have attempted to get all documents relating to our loan since my initial complaint, have called left voicemails and sent emails with zero response from the company I have went online to make payments and not been able to or to even see my loan history or where all these fees late fees etc. I requested a forbearance which was initially supposed to be granted but due to them telling me that I didnt have fha I set up a repayment plan. I then paid on this as agreed and then we had a horrible storm come through causing damage I requested a forbearance which was granted of 6 months a rep came out and took pictures afterwards of the roof and a few other things and said they would be in contact but I have failed to get anyone with Selene to answer my home has multiple issues that need repaired and I am currently working with the office of disaster assistance /fema as directed I have asked again about forbearance payment arrangements etc all I have gotten from them is a forclosure letter stating XX/XX/XXXX as the date I even ccd the attorney office on this, XXXX XXXX requested documents as well in regard to this being fha and to distribute these per respa and they still have not : I am trying to keep my home, I am an XXXX veteran, we have been through this with them several times and I never can get answers or we are treated like we do not matter. I was informed by an attorney They still have funds left from he bailout in XXXX and received even more to help homeowners which have not been used. We need help and to be able to stay in our home and have it repaired appropriately instead of living somewhere we cant even get the mortgage company to answer a call to even get a check signed by them for repairs to be done. When I went online and checked about this numerous complaints were found with the same issues. This is very sad to be treated in this way when we have had our loan since XXXX
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX - XXXX  XXXX Balance - XXXX  XXXX XXXX  XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA 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 : {$0.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I have sent several disputes to Equifax disputing the validity of this alleged debt from XXXX XXXX XXXX regarding a debt for. I have received responses stating the debt was validated. I also request to know how this was validated and received a very generic response. I received information from XXXX XXXX XXXX regarding the alleged debt which was very incomplete and with discrepancies. I have had no dealing or business relationship with XXXX XXXX XXXX. Furthermore how do you determine an amount past due rent for XX/XX/2015 when there is not a lease for XXXX provided. I have sent this information to XXXX XXXX XXXX regarding this discrepancy. Please see attached details.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

My name is XXXX XXXX and Ive been dealing with US BANK for 3 months about my money thats sitting in the account and havent been closed yet. Which I contacted them the first time stating to close the account and they replied they closed it XX/XX/2021 which its now XX/XX/XXXX and the money is still in the account. Im tired of the lies with us bank send the money back and close the account. Yall see the name and social doesnt match the name on the account so why not send it back? It shouldnt even have been accepted because the account was suppose to be closed in XXXX but someone claim I told them to keep it open when I never talk to us bank STOP LYING US BANK AND ACTUALLY CLOSED THE ACCOUNT AND SEND THE MONEY BACK THATS MY WIFE CHECK AND WE REALLY NEED IT I DONT WANT TO TAKE THIS FURTHER THAN IT SHOULD BE JUST CLOSED THE ACCOUNT ENDING XXXX and send the funds back! ITS NOT YALLS AND IT AINT MINES EITHER SO SEND IT BACK! I was told it closed on XX/XX/XXXX and I call customer services and find out they still have it pending for closing so Us bank is a liar
Consumer complaint received 2018-06-28
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (KS)

On XX/XX/XXXX of 2016, Fair Collections and Outsourcing called me personally three times ( At XXXX XXXX, XXXX XXXX, and XXXX XXXX, leaving messages all three times, please see attached phone bill to prove this ), my wife three times, my wife 's grandparents, my wife 's parents, and my parents on the same day.

Besides the fact that this debt was erroneous to begin with, this harassment was unwarranted.
Consumer complaint received 2021-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP (IL)

I bought a car with XXXX XXXX from XXXX XXXX. 

He told me that if I don't buy an extended car warranty for 10 years my interest rate will double He added {$1700.00} to my contact without my knowledge for life insurance He told me to have my monthly payment deducted from my Bank in order to save $ XXXX  monthly. Instead he signed my up for a SmartPlan that charges $ XXXX  monthly I went to see him. He said that he will cancel everything. Called him a thief. 

Called his manager-XXXX-and she told me not to judge him because I am not God. 



Please stop XXXX XXXX he has been doing it for 26 years.
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

On XX/XX/XXXX at XXXX, I called the Phoenix Financial Services collections agency to get further information about an account listed on my credit report.The original creditor is XXXX XXXX XXXX Hospital and I do not recall the encounter with them. The representative at the collections agency told me that the bill is from XX/XX/XXXX. She said that I had been seen as a patient at XXXX XXXX XXXX Hospital and was diagnosed with XXXX. I explained to her that I would need a copy of the original signed documents because I did not recall being seen at this hospital at this time, nor do I recall having ever been diagnosed with XXXX. She told me that she would send me what she needs to legally send me since I was making this request. I told, specifically, that I am specifically requesting a copy of the signed original agreement between myself and the hospital, so that I could indeed confirm that I signed as a patient on the date in question. The representative told me that her office had no such document. I concluded the call at that time. This call was recorded.
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This servicer paid an insurance bill out of my escrow account on XX/XX/2021 that was not even associated with this property due to their carelessness and negligence. I have repeatedly called them to let them know of this issue, and repeatedly sent them information showing that I never changed my condominium insurance from XXXX. First, they rejected the proof that I submitted showing that I never changed policies. Second, I had XXXX directly update them again that the policy was not changed. Third, they briefly updated this on their system, and then again reverted back to the system showing that I have coverage with XXXX. 

I never had coverage with XXXX for this property. What they did was simply look at the mailing address on the property and paid the premium without taking basic precautions and due care to note that the policy was not even for this property but rather for a property in Virginia, serviced by SLS. I honestly can not fathom this level of carelessness. An escrow account is managed in trust for the mortgagor. By simply skimming through the policy that they paid out they would have noticed that it was neither a policy to insure this property, nor a policy even issued in the State of Florida. 

I went ahead and just paid the escrow shortage of {$560.00} today ( XX/XX/2021 ) that they created because dealing with them has been exhausting. The payment confirmation number is XXXX. Even just getting through to them on the phone is like battling with Goliath since it is an endless maze of options in their phone tree with the sole intent of making it as difficult as possible to get through to an agent. 

When I called and informed them of this issue they said I had to deal with it through XXXX, even though CMC was the entity that negligently paid this premium. It shows even more that they do not abide by basic fiduciary responsibilities of managing an escrow account. 

I am attaching proof of : ( a ) the negligent {$560.00} payment on XX/XX/XXXX ; ( b ) confirmation of the {$560.00} I paid today, XX/XX/XXXX ; ( c ) confirmation of the XXXX policy for this property ( we even had XXXX reissue it as a courtesy to get you all to acknowledge it, but you all still didn't ) ; and ( d ) a screenshot showing that they still display the insurance for this property as being through XXXX.
Consumer complaint received 2021-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

On or about XX/XX/2021, Shellpoint did not provide a designated representative in its CFPB response. 

XXXX XXXX is my designated representative in the correspondence. Shellpoint says that MsXXXX XXXX is his supervisor. All representatives have a supervisor. The regulations say that I am supposed to have a designated representative. Yet, in the XX/XX/2021 response, Shellpoint referenced attempts to reach me by phone from a third representative, which was not identified as XXXX XXXX or Ms. XXXX in the letter which prompted my complaint stating they were creating false documentation that I was nonresponsive. 

Shellpoint was nonresponsive for 60 days when they sent contradictory trial payment amounts and I asked for clarification. 

So, I need a designated representative, which Shellpoint 's response did not provide.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (MN)

*** THIS ACCOUNT IS CLOSED *** RE : XXXX XXXX  XXXX XXXX  XXXX/Continental Finance  CFC- Correspondence XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I XXXX  is showing that you are actively reporting this card payment status as Past Due 30 days with a XXXX ( {$0.00} ) dollar balance. When it should be reported as a different status as this account is currently closed. Per the credit report alert from XXXX XXXX reporting agencies is showing this is being reported to XXXX  actively. It shows I have payments made and late in XXXX and XXXX. How could this be when this account was closed in XXXX of XXXX. 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to have this updated in a timely matter as outlined in the FCRA Section 623 : [ Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please see the attached document from XXXX XXXX who states they receive all active information from XXXX, I have spoken with XXXX  who is advising this is being furnished actively by you, even though this account is closed with a XXXX  balance. Please update the payment status from 30 days Past Due to either Paid Collection Paid Settled or the proper payment status that fits this account being paid off. I am asking and requesting for a full research and investigation into why XXXX XXXX  and XXXX  still shows this as being actively reported when it is closed and paid.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (WI)

On XX/XX/XXXX, I incurred a {$38.00} Late Fee from PNC Bank ( Ex. 4 ) as a result of its faulty auto-pay system. I had previously received a credit for a late fee on XX/XX/XXXX, ( Ex. 1 ) due to its deficient auto-pay system which was refunded on XX/XX/XXXX, ( Ex. 5 ). PNC Bank contends that because they had refunded one late fee, its policy prohibits it from issuing another late fee notwithstanding its deficient auto-pay system. 

I have had several conversations with PNC 's representatives regardings this issue to no avail ( Exs. 11-12 ) ; indicating that its centralized system prohibits it from issuing more than one late fee refund within the calendar year notwithstanding bank error ( deficient system ) [ Exs. 10-10a ]. PNC Bank deficient auto-pay system treats an auto-payment as an external transfer, but not for an indefinite period. And, once the auto-pay expires, you have to reinstate the transfer all over again. When, I reinstated the auto-pay on or about XX/XX/XXXX, with the help of its representative that refunded the first late payment, it was set up for the wrong date, i.e., for the XXXX of the month when it should have been set up for the XXXX of the month when my payment was due ( Exs. 4a- 7 ). However, its deficient auto-pay should have rejected the XXXX or made it early 28 days before it was due, nevertheless, the deficient auto-pay system accepted this day and charged me another late fee defeating the purpose of the auto-pay. 

After going around and around with PNCs representative ( middle and senior levels ), I was unable to secure my {$38.00} refund for the late payment. Compare XXXX XXXX  auto-pay system to PNC 's auto-pay system which is more user-friendly ( Exs. 10, 10a, 13 ).