davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX  XXXX {$260.00}
Consumer complaint received 2021-06-18
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. (FL)

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Please investigate if every piece of information is correct. If not, please remove it from my credit report
Consumer complaint received 2020-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (TX)

Beginning in XX/XX/2020, I began receiving multiple calls from various numbers in and around the XXXX / XXXX XXXX area. I am cautious of answering calls from numbers I do not recognize because of scams. In addition, most of the calls were coming at times when I am at work. I can not have my phone on me while at work, and so I would see it after I got to my vehicle each day. Tonight, I received a call at XXXX. Upon answering it, they asked for a person and I told them they had the wrong number and to stop calling my phone. The person then said all I had to do was answer the phone and they would have stopped calling, very rudely. After multiple call backs in which I was hung up on, once including when I asked for the company 's name, I finally found out that the company is XXXX XXXX XXXX, a debt collector. I have dealt with them at least once a year for the past 5 years. People continue to put my phone number on accounts. Despite asking that they remove my number from their databases, or associate it to the proper person, it continues to happen.
Consumer complaint received 2019-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Ygrene Energy Fund Inc. (CA)

Loan was with XXXX - established loan XX/XX/ in the amount of {$40000.00} with total program fees of {$2200.00} Total Interest {$1000.00} - Total Special Tax Assessment in the amount of $ XXXX.- When the loan was offered to me, I was told that the loan was on the house and that I would not be responsible for the loan when and if I sold the house. I recently started to consider to sell the house and move to another location. Our Realtor told me that there is a Tax Lien on the house and that I would have to pay off the loan if I wanted to sell the house. The only reason that I considered taking the loan is because I knew that I would be selling the house within the first 5 years of living in it. We are going into the 5th year of living here in the house. I am extremely upset with myself because I was mislead about the loan conditions. I will be XXXX years old next month and find myself in a predicament of not being able to sell my house. I have been doing some research since I found out about the conditions and was told that this is considered to be a PACE loan, which was never explained to me as to what that meant. I need some help on taking care of what I feel was a fraudulent representation from XXXX.
Consumer complaint received 2020-03-19
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. (OH)

I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific  information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-03-19
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: EQUIFAX, INC. (OH)

I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEGASTAR FINANCIAL CORP (MN)

Tried to refinance at 3 or 3 1/8 % for a 30 year fixed the last two weeks or so ( from week of XX/XX/XXXX through XX/XX/XXXX ). Was unable to get a call from broker until too late to lock in. This is a mortgage industry problem that affects financial lives. The industry should be able to accommodate borrowers who want a rate- all borrowers who want a rate, or none of them. The industry needs to be fixed. The dates and details are not important. Nothing happened after I sent the company an email describing the problem on XX/XX/20.
Consumer complaint received 2020-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

Ive had this car loan a little over a year now. When I made My XXXX payment I noticed my payment was showing past due. Ive made all my payments ahead of schedule and never missed a payment or been late. I called Ally auto on three separate occasions to resolve this issue. The Ally operators can barely communicate, but did manage to explain my account would be updated to reflect the current status and any late charges would be waived. They were experiencing trouble with their website. That was three months ago and now I cant even contact them online or by phone. I get a message for high call volume and no one responds to my online queries. I am so sick of this kind of treatment. I work hard to be on time to pay my bills and creditors. I dont need predatory companies and tactics, sabotaging and holding my credit hostage. Please help me resolve this.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I HAVE ASKED THAT THE BANKRUPTCY, XXXX XXXXXXXX/ XXXX XXXX AND XXXX XXXX, AND XXXX XXXX ACCOUNTS BE REMOVED
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a debt collection company called Transworld Systems Inc. The letter itself states I have thirty days to dispute or pay a debt of {$170.00}, failure to communicate with them in thirty days results in admittance of debt, and that this debt was obtained from a creditor named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX states they formally held this debt from a company called XXXX XXXX XXXX. As for my actions, I notified a credit bureau to place a temporary fraud alert to protect my identity, and I notified this Transworld Systems Inc that I am disputing the debt. I lived in XXXX and utilized XXXX XXXX XXXX as my power company from XX/XX/XXXX-XX/XX/XXXX. I never had a delinquent account with them and I paid off my final bill in XX/XX/XXXX ( I moved from XXXX, XXXX  to XXXX  at the end of XX/XX/XXXX ). This is the first time in almost thirteen years I've been notified of any type of debt, and I believe that one or  more of the above companies is incorrect and possibly " scamming '' me.
Consumer complaint received 2020-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

Called great lakes borrower service about 3 weeks ago to request a copy of the master promissory note to verify their claim that they are legally allowed to capitalize interest and have interest accrued during unemployment deferment ( which according to their obudsman as well as the federal helpline is not how student loan prpducts are intended to be handled or were designed ). Great Lakes said they'd send me a copy of the MPN which they never did. I don't recall ever signing a master promissory note with them as all my student loans were originated from.XXXX  and shortly after graduation I was notified that my loans had now a new servicer without a choice given or any signature required.
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (WY)

On XX/XX/2020, I sent a message to Midland Credit Management via their website requesting validation of the amount of the debt they are collecting on. On XX/XX/2020, I received a XXXX 2 day air package from Midland Credit Management containing a letter requesting payment of a debt they purchased from XXXX XXXX XXXX, but no validation and no change in the amount. On XX/XX/2020, I sent the attached letter to Midland Credit Management via USPS first class mail requesting that they communicate with me via writing only and to provide validation of the debt, as I believe the amount they are seeking is more then the debt owed to the original creditor. 

On XX/XX/2020, they a female relative that I do not live with and told the relative that I listed their number as an alternate contact number that I could be reached at even though I sent a letter requesting written contact only. I never list relative information as an alternate contact number except on medical forms, and I only list my spouse 's information.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Happy Money, Inc. (NJ)

The company had switched my payments from monthly to bi monthly to accommodate my job loss over one year ago. The past two weeks I have been getting late payment emails and received a credit alert on XX/XX/XXXX indicating there was a credit hit from payoff. I called payoff and after further investigation, the rep informed me that back in XXXX, when they switched payment plans, it looks like a portion of the minimum due was overlooked. This was news to me because for the past year, I have called in my payments monthly to a representative and no one has told me that. The representative apologized and said that I need to dispute the credit hit but as a courtesy, she will waive the XXXX payment that is due in the amount of {$490.00} if I can pay the assumed overdue of {$490.00} from XXXX, putting me back on track. I agreed and authorized {$490.00} to be paid on XX/XX/XXXX according to their pay schedule as payment has to be received before the XXXX of each month. Then on XX/XX/XXXX, I received an email confirmation of my pending payment of {$490.00} to be withdrawn on XX/XX/XXXX ; however, the amount they logged in was {$4900.00}. I immediately called them and was extremely upset because I dont have that in my bank acct and furthermore, thats not what was agreed on. I spoke to a manager named XXXX XXXX who said he could do nothing on his end and to call my bank. I called my bank and spoke to a supervisor who escalated the issue and stopped payment of the {$4900.00}. Then I received another email that evening from payoff indicating that they made a mistake and payment was really {$490.00}. Then, on XX/XX/XXXX I received a txt from payoff saying my payment was late! I answered back that the {$490.00} cleared my bank as of XX/XX/XXXX and XXXX payment was skipped per my conversations with them on XX/XX/XXXX. Now, today, XX/XX/XXXX, I received another credit hit alert, my credit was hit again by payoff for late payment fee. No payments are actually late and my credit is taking a giant hit of over XXXX points. Payoff has hit my credit on XX/XX/XXXX and XX/XX/XXXX! Please advise on this, Thank you XXXX XXXX
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio recovery associates is still reporting on my credit report, with representatives STILL CONTINUING to call OBNOXIOUSLY at ALL HOURS of the day, IM CONSTANTLY HUNG UP ON by RUDE AND DISRESPECTFUL representatives. 
On XX/XX/2020, I sent them a DV, and they replied by asking me to fill out an " affidavit of identity theft ''. I never received it in the mail nor any paperwork they stated they mailed out to me. After the 30 day time frame for portfolio recovery associates to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports. 

On XX/XX/2020, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information. She first lied to me that PRA never received my DV letter and then put me on hold for 10 minutes then to tell me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that PRA sent everything to me, and to deal with it myself and hung up. 

On Friday, XX/XX/2020, another male supervisor, refused to provide his name, refused to provide any info over the phone but demanded I provide my bank information. I told him to provide me wikth details of the account and as to why the account hasnt been removed due to PRAs failure to properly respond to a DV letter in a 30 day frame. He hung up. 

On Friday, XX/XX/2020, A male supervisor informed me of what his system showed on the account as : " This debt originated as a XXXX XXXX [ account number ]. The account was opened on [ date ]. the credit card was charged off on [ date ] at a balance of [ x dollars ]. The last payment received from you was on [ date ]. XXXX sold this debt on [ date ]. Portfolio Recovery Associates,  LLC, on whose behalf we are authorized to collect this debt, is now the owner of this debt. 
The male supervisor then raised his voice yelling at me that neither he nor PRA is required to validate any debt since they dont have the time and dont make commission and then hung up. 

Due to FAILURE of validation the debt within 30 days given, the account is CONTINUING to appear on my credit reports WHILE still CONTINUING TO RECEIVE HARASSING CALLS, I DEMAND DELETION of this account IMMEDIATELY.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

XXXX c/o PHH Mortgage gave a 3 month forbearance when I called to attempt to work with them, secondary to losing my job due to CoVid-19. 

They gave three months forbearance, BUT ALL THREE MONTHS ARE DUE AT THE FOURTH MONTH! 

They are praying on people during a horrible time! 

In addition, they continually send me mortgage statements that do NOT spell out how my previous payment was applied, and even have all the information, including the payment amount, listed as XXXX! I called and told them it was against the law and their response well, we are sending you out corrected ones, so not sure what the issue is
Consumer complaint received 2020-03-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (WV)

I purchased a new vehicle for $ {$23000.00} in XXXX, WV on XX/XX/XXXX. TD Auto sent me a Title to my car in their name and in the State of Virginia, NOT West Virginia and in my name as it should of been. They sent a Statement of No Interest to me dated XX/XX/XXXX where they stated in writing that " Our ownership was listed in error ''. TD Auto sent my financial institution a Lien Release/Termination Statement dated XX/XX/XXXX with the original Title ( Virginia Title ). I have called TD Auto numerous times to try to resolve this matter and have them fix the mistake they made in sending me the wrong Title to my car. They refuse to help me even though they admitted it was their error. I have been dealing with the Virginia DMV for several months trying to get the Title corrected but they want me to pay Sales Tax on the vehicle in Virginia when I already paid them in West Virginia when I bought my car. I have tried and tried to get TD Auto to correct their mistake and they refused every time I contacted them. I was told over and over again that they do not send Titles and can only send me a Statement of No Interest. If this was true how did they send me the original Title in their name then? TD Auto will not do ANYTHING to help me resolve THEIR mistake and issue me a new Title in my name. TD Auto has caused me so much anxiety over their actions. I need the Title to my car, I paid for it and I legally should have been given the correct Title.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

These inquires I dont recognize or did not authorize! 
Capital One XX/XX/2021. 
XXXX XXXX XXXX  XX/XX/2021. 
XXXX XXXX XX/XX/2021. 
Capital One Auto Finance XX/XX/2021.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

My complaint is with CMC funding who is mh mortgage company, they have no customer service at all ever I have been calling them for months trying to set up auto pay because it's such a hassle to get into their system and pay manually every month. I've tried numerous times to set it up online and everytime the system is down it seems so scammy!
Consumer complaint received 2020-03-19
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 did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-03-19
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. (FL)

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (TX)

sent ftc violations previously on these accounts The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices XXXX  XXXX  XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX/XXXX Unauthorized charges