davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, during the pandemic COVID19. In XXXX, XXXX, XXXX and XXXX of XX/XX/XXXX, I was scared that I may lose my job. So scared that I had to start saving money and during this time I could not pay 2 credit cards out of the 5 I had. It was a tough choice but I had to save money in case I was let go due to the pandemic. I help pay for my father and mothers bills and I had to look out for them first. Prior to XX/XX/2020, I have never had a late payment on my credit cards. During this tough moment Capital One decides to penalize me. I did my due diligence and as soon as I found out my employment was secured and did not need to worry, I caught up on all credit cards payments by XXXX. I reached out capital one three times and they have advised they can not do anything. I feel as if I am being penalized for looking out for the well-being of my family and myself. After all the good rapture Ive had with Capital one prior to the late payments. All I am asking is for the late payments reported to the credit agencies from capital one regarding both my credit card to be deleted from my credit report. Please help me, because as a young adult it is affecting me harshly.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

I have reached out to CMRE FINANCIAL SERVICES several times they will not respond. They have placed a collection on my credit and will only update with the credit bureau. XXXX  refuses to remove even though I have provided proof.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

THIS IS NOT A DUPLICATE COMPLAINT!!, STOP SAYING THIS IS A DUPLICATE. THIS MATTER WAS NOT RESOLVED!! There was not A RESPONSE IN 30 DAYS after XX/XX/2021, therefore this needs to be deleted. The account was not validated within 30 days of requesting validation. 
I have sent 2 correspondence letters to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ) requesting validation of debt ( I disputed the {$3500.00} debt that you are attempting to collect is unlawful and it violate the FDCPA. I do not owe {$3500.00} that's inaccurate ) however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit.
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LHM Financial (NJ)

I was unemployed from XX/XX/XXXX of 2021 to XX/XX/XXXX of 2021 as a XXXX XXXX  XXXX veteran and due to negative impacts of COVID-19. I received forbearance relief from 3 of 4 mortgage companies I held mortgages with. The 3 mortgage companies acknowledged my circumstances and need for relief as it related to COVID-19. The 4th mortgage company, LHM FinancialXXXX XXXX is denying forbearance retroactively or forgiveness of two late payments to mend the negative credit information submitted to the bureaus. I was late paying XXXX and XXXX and have requested forbearance to cover the time of those late payments or to forgive the lateness for the payments. A forgiveness of the two late payments will be a simple solution that will allow me to mend the negative information on my credit report. I have sold a property to ensure I am not delinquent on any payments going forward and to come current with LHM. LHM Financial sent me paperwork via USPS to fill out to apply for relief in XXXX. I provided more than 200 pages of information relative to my circumstances to be approved for relief. I mailed in the full complement of paperwork requested for a forbearance and it was received by the receptionist on XX/XX/XXXX at XXXX XXXX via XXXX. The amounts of the XXXX and XXXX payments individually were {$1600.00}. The total I paid to LHM Financial to come current on my account on XX/XX/2021 was {$5000.00}. My account manager at LHM is XXXX XXXX and his number is XXXX extension XXXX. XXXX has never returned my phone calls or inquiries despite my efforts to reach him over the course of the past 4 months. He continues to pass messages to customer service representatives that the " investor '' is not granting forbearance to anyone. He will not speak to me directly. I have tried calling to reach XXXX more than 30 times to discuss my options during the time I could not make payments. I am current for the mortgage and have the means necessary to not be delinquent again. As is evidence from the other 3 mortgage companies, I should be protected by the CARES Act.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (AZ)

Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please rewove it from my credit report.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2019-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

yesterday XX/XX/19 i saw an add on XXXX XXXX for a onewheel skateboard that had been posted. the seller and i agreed on purchase price with shipping but said he needed to use XXXX to process payment. He called from number XXXX, had me also use a number or XXXX and also when searching these numbers to make a police report and figure out where to call XXXX mentioned outside US contact numbers similar to one i got today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX email was XXXX the bank states they are responsible due to " laws/acts '' " whatever '' I am floored beyond belief and not in a place of course like everyone to be scammed out money. Please advise. 

Thank you, XXXX XXXX
Consumer complaint received 2021-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I suffered hardship due to XXXX. I was unemployed and my family and I battled XXXX. In XXXX of 2021, I was offered a 3-month payment plan until XX/XX/XXXX of 2021. I started with my 1st payment in XX/XX/2021 and each month until XX/XX/2021. I was charged a late fee each month. My balance hasn't changed to reflect any payments. 
I contacted the Credit union and was told that the payments go towards the end of the loan. That I would not be seeing any changed in the balance owed.

I have submitted a new application because the State of Texas has ended unemployment back in XXXX and I'm still awaiting a decision on this matter with Penfed. 

I would like to know about getting this resolved and the payments made reflect on the account.
Consumer complaint received 2021-07-28
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: EQUIFAX, INC. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2016-04-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (NJ)

XXXX XXXX, XXXX To Whom It May Concern : I am filing this complaint against Simon Agency attempting to collect on behalf of XXXX XXXX XXXX, using abusive tactics in soliciting an invalid debt for medical services billed incorrectly to my insurance. The claim was billed under an incorrect XXXX code in an effort to seek higher reimbursement. As a result, instead of a XXXX ( which would have been reimbursed without liability to the policy holder ), the claim was processed as a diagnostic procedure, which resulted in deductible and co-insurance liability to me ( the patient ). 
Also, Simon Agency collected money from me, claiming that I have unpaid co-payments for claims that were paid in full, and for which I have receipts. I disputed the abusive entries in my credit report, which lowered my credit score by at least XXXX points. My dispute letters were rejected and returned unopened to my residence. The abusive calls continued. Due to unbearable stress of watching Simon Agency destroy my credit, I offered to pay the alleged debt, with the condition that it is removed from my credit report. They refused my offer and continued with their abusive practices. 
They demanded payment on fees that were previously paid to XXXX XXXX XXXX, and for which I have printed receipts. Since this medical claim dates XX/XX/XXXX, XXXX is unable to retrieve claims older than 18 months ; it is very hard for me to retrieve the records. However, I was able to obtain the XXXX codes billed by XXXX XXXX XXXX to XXXX and was able to verify the XXXX codes against the XXXX XX/XX/XXXX-XX/XX/XXXX reimbursement rate table at : XXXX This clearly demonstrates that the service billed was incorrect, which resulted in liability to me. 
I am therefore reporting : Simon Agency for abusive, illegal collection practices for unverified debts XXXX for fraudulent insurance billing My last attempt to resolve this with Simon Agency and with XXXX XXXX XXXX was today, unfortunately unsuccessful. I am currently filing an appeal and working with XXXX in retrieving the records in question. However, I wonder how would the damage done to my credit report be corrected? 
Your prompt attention at this matter is greatly appreciated. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Services, Inc. (TX)

I requested for Collection Management Services to not contact me regarding my account. I added a dispute by email on Monday, XX/XX/XXXX. XXXX from Collection Management Services contacted me on XX/XX/XXXX regarding the account after I put the account in dispute and requested them not to call.
Consumer complaint received 2021-07-28
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: HOMESTEAD FUNDING CORPORATION (NY)

On XX/XX/21, I contacted XXXX XXXX with Homestead Funding ( XXXX ) by phone to inquire about interest rates to refinance my mortgage. I was very specific that I was in the process of comparing rates with banks and closing cost fees. I provided him my credit score that I had run through XXXX  on XX/XX/21. He collected all of my contact and personal information and said he would send an email with the rates and terms he could offer. 

A couple hours later I received an email from his secretary/assistant ( XXXX XXXX ) with a lengthy list of items that they wanted to me submit, including drivers license, SS card, past 2 years of W2 's, income taxes, 2 months of bank statements and pay stubs, etc. I emailed the assistant and XXXX reiterating I was only looking to compare rates and closing costs if I were to pursue a loan with Homestead Funding ... .and did not think that information was necessary for an estimate. 

A week later I received a credit score report from Homestead Funding mailed to my home address. I contact XXXX via phone and email and told him I never consented to a credit inquiry. He reassured me it was a " soft credit pull '' and would not affect my credit score and did not need consent for him to do. I also emailed him a copy of the credit report I received in the mail. He insisted it was a soft inquiry.

On 7/8 I checked my XXXX  account and realized Homestead Funding made a hard credit inquiry on XX/XX/21. I contacted XXXX with that documentation and reiterated that this was done without consent. He continued to insist it was a soft credit pull but he would have it removed. 

Since then, I've repeatedly emailed XXXX telling him this has not been removed and I would pursue filing a complaint if it is not remediated. 

On XX/XX/21 I received an email response from XXXX 's email address but it says the following : Hello XXXX, My Name is XXXX XXXX and I am monitoring XXXX  Emails as he does not work here any longer as he has moved out of state. Please call me at XXXX so I can go over with you. 

Look forward to speaking with you. 
Thanks I find this suspicious. I have not responded nor called XXXX XXXX. The unauthorized credit inquiry made by Homestead Funding has not been removed from my credit report to this day.
Consumer complaint received 2021-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

On, Monday, XX/XX/2021 at XXXX EST, I physically went into ACE Cash Express Check Cashing to apply for a Short Term Payday Loan. I qualified for a {$1000.00} Loan but I chose only to borrow a {$100.00} Loan. When the Cashier XXXX or XXXX processed my loan ; she used her mobile cell phone to take pictures of my personal financial records. I was shocked by this because she didn't use her company 's official copy machine. And it's illegal for an employee to take mobile pictures of a customers/borrowers personal financial information with their personal mobile cell phone. After I left the establishment ; immediately after on Mon., XX/XX/2021 at XXXX EST, I called XXXX who is the manger of ACE Express Check Cashing to inform of what happened. He said he was going to follow up but he never did. I'm very concerned about my personal financial documents and information being photographed by ACE Cash Express Cashier and how this employee can use my information. ACE Cash Express may be doing this to other Customers as well ; being that they allow their employees to take customers personal financial information with out consent by using their personal mobile cell phones. Especially in lieu to fraud and identity theft.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

This is a longstanding complaint dating to 2016 but I could no longer find it in your database for some reason. The complaint number is XXXX against XXXX. Since XXXX is in bankruptcy we are seeking help from their Corporate Restructuring Committee which is tasked with solving issues like these in the bankruptcy court. We ish to CC you and also will CC the XXXX XXXX XXXX XXXXXXXX and XXXX  XXXX and XXXX since they are involved. The attached file contains the original CFPB complaint and describes the issues.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

according to the IRS and FCRA XXXX Account XXXX is not compliant and willfully and knowingly reporting inaccurate information to my consumer report remove this immediately from my consumer report.. Transunion says it meets FCRA which in fact is not true, According to the IRS a CHARGE OFF IS GROSS or ORDINAY INCOME.. and the FCRA states CLEARLY INCOME IS NOT ALLOWEDTO BE REPORTED on a consumer report. you are now on NOTICE you have 10 days to delete this Erroneous, inaccurate information. attached proof this is a CHARGE OFF and also reporting a balance REMOVE IMMEDIATLY
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

After several unsuccessful attempts during the last 18 months to resolve inaccurate information listed under my name and Social Security Number with Lexis Nexis, on XX/XX/2021, I wrote a formal letter challenging the accuracy of a Bankruptcy Chapter XXXX item in my report along with a letter from California Bankruptcy court indicating they are not the furnisher and original source of the item to Lexis Nexis. 
I certified mail my letter on XX/XX/2021, and as evident in the attached receipt confirmation, they accepted my letter on XX/XX/2021. 
As of XX/XX/2021, I have not received any update on their investigation into this item. I have contacted them 3 times in regard to them investigating this item in my report and their failure to complete their investigation within the permitted 30 days allowed by FCRA, and yet they request to call back the next day or simply hangup when I refer to the permitted time by FCRA to complete their investigation.

Lexis Nexis Risk Solution is clearly in violation of my Fair Credit Reporting rights.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (IL)

This collection agency is not licensed to collect debt in the state of Illinois where I reside. 
Also, this debt has passed the statute of limitation for the state of Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 Tek Collect XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Alleged Debt and Request for Validation Dear Sir/Madam, I am writing to formally dispute any and all alleged debt in collection by your agency, Tek Collect, as it appears on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws, I am requesting validation of the debt in question. 

I am aware of my rights under the consumer laws, including but not limited to 12 CFR 1006.34 B5, 12 CFR 1006.34 C4i, 12 CFR 1006.34d, and 15 USC 1681-s27A, which require debt collectors to provide certain information upon request. 

Please provide the following information to validate the debt : 1. A detailed validation of the debt amount, including any fees, interest, or charges that have contributed to the total balance.

2. A copy of the original purchase agreement between Tek Collect and the original creditor, Integrative Nutrition. 

3. Proof that Tek Collect is licensed and bonded in the state of Illinois, where I reside. 

Furthermore, I am formally revoking any consent for you to communicate with me via email, text messages, or phone calls regarding this alleged debt. All future communications must be in writing and sent to the address provided in this letter. 

Please note that I dispute owing any debt to Tek Collect or any affiliated entity. Until proper validation of the debt is provided as requested, I expect all collection efforts to cease immediately. 

I am requesting that you provide the requested documentation within 30 days from the date of this letter. Failure to do so will result in further action on my part to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

The home was scheduled for foreclosure. I appealed the foreclosure. The foreclosure was set aside.There were two loans on the property totaling {$470000.00}. I did a loan modification. It was my understanding that both loans were consolidated in the modification. I have been making the payments as agreed for 16 years and am current in the payments. 

The public records still show the property as " foreclosed and bank owned XXXX ''. 

I recently listed the home for sale and the title search revealed that there was a second trust on the property. PHH, added XXXX XXXX 's name on the title. I have no knowledge about this second trust and need to get XXXX XXXX removed from the title so I can sell the home..
Consumer complaint received 2019-12-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bayside Credit (NV)

On XX/XX/2019 At XXXX I got a call from BaySide Credit The name of the representative is XXXX  , I was threatened that they were gon na take legal action against me, I was told by XXXX  that they were going to take me to court and garnish my wages. 
I offer to pay {$100.00} a month but my offer was not accepted, I was pushed to come up with {$250.00} to make the payment and to settle the account for {$1000.00} payment was supposed to be made on XX/XX/2019 even knowing that I'm a single  mother working hard as well to get back on track, however on the second call I got with BaySide Credit on XX/XX/2019 at XXXX, I spoke to a representative first, he forward the mgs to a manager XXXX who came out with an option to pay {$500.00} in 2 payments, I told them that I was not gon na be able to pay the {$250.00} so I ask to lower the payment again for {$100.00} until balance was paid off in full not with the settlement, however XXXX  got into the call again and told me again that they were not gon na work with me, they were going to go against me and take me to court and garnish my wages, when I ask to work with me with the full balance of about {$2600.00} or so.. he mention its going to take you over 2 year to paid off, i told him I didn't care that I will prefer paid.. then have it on my credit for 7 years, he put me on hold, came back and ask me again  for another balance that I can't paid he ask for {$150.00} to settle the acct in 18 months I told him once again that I could not do more then {$100.00} I have my family as well. But he stated that there was nothing else to do and I end up the call. Now I'm scared that they are going to garnish my wages.
Consumer complaint received 2021-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

I have requested information from the company directly and through your website and have had no response. I do not understand how the company does not respond to me or the government but they do to the bureaus. They agreed to delete the 2 accounts when I paid them in full. They did a verbal agreement and did not hold up on their end. The two collection accounts with Collection Professional are still reporting even after they told me when I first paid them in full they would remove them