davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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. (IL)

Equifax is not adhering to the laws, I have asked twice for a copy of a signed contract for a charge off account XXXX they told he to contact XXXX when I did all I received was a 20 page credit card summary, this is just ridiculous.
Consumer complaint received 2020-06-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

When I bought my house 15years ago, I had an 80/20 loan. I thought they were both 30year fixed. The 20 % on ( now with PHH mortgage ) even said on the website. 9.875 % Rate / Conventional / 30 Years Term is what says online but that is not the case. 
Everything I do is online with them and I lost some of my original loan documents when my water heater flooded my house about 10 years ago. 

So I tried working with the mortgage company ( PHH ) to get an extension or refinance and was turned down. The loan modification dept. was no help and when I was working with a refinance person he said they wouldnt refinance this low of an amount.then we tried to combine both of my mortgages ( the balance on the 80 % one is XXXX ) for a total of XXXX and he said that was too low for what you need to qualify for with all of the fees and charges in Texas. He then said he would try to add {$20000.00} to it to take out in cash to raise the amount and called back and said that wouldnt work either. 

I need to save my house and feel this company has be deceptive as it states very clearly online it is a 30 yr term conventional loan Can you help? 



Thanks, XXXX XXXX XXXX XXXX XXXX Customer Experience Product Owner Res Agent Channels - Support XXXX Office XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Since XX/XX/XXXX, Portfolio Recovery Associates has harassed me in an attempt to collect debts they claim that I owe me by use of robo or autodialers. Between XX/XX/XXXX and XX/XX/XXXX they called me, often less than a minute apart over 60 times. On XX/XX/XXXX alone they called me over 30 times in less than 10 minutes and an additional 36 times through XX/XX/XXXX. This is not only unacceptable, it is a violation of the Rosenthal Fair Debt Collection Practices Act as well as the TCPA. 

Additionally, this DEBT COLLECTION AGENCY or junk debt buyer falsely lists themselves as a Factoring Company with an open loan account through them. This is also a violation of the Rosenthal Fair  Debt Collection Practices Act as well as the FCRA and FDCPA. By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. Factoring companies purchase receiveables, not debt, and the bulk of the accounts are commercial, not consumer PRA is not an innocent purchaser nor are they holders. They are a collection agency and junk debt buyer. 

PRAs violations as they relate to my complaint : 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX are not innocent purchasers and not holders. 

1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

16922f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The use of factoring company is unfair as it deprives the consumer of rights, remedies and defenses and provides a false impression to current and potential lenders.
Consumer complaint received 2020-06-18
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 — Investigation took more than 30 days
Company: Adler Wallach & Associates, Inc. (TN)

Sent a debt validation letter no response back its been nearly 90 days I do not recall this account and the original creditor listed on my credit file is not in business so how are they validating this account it is reporting on XXXX
Consumer complaint received 2020-08-12
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: CITIBANK, N.A. (PA)

I have a loan with XXXX, XXXX XXXX XXXX, and BLOOM/DSNB. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX   XXXX, and BLOOM/DSNB with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

On two separate occasions, XX/XX/2020 and XX/XX/2020, debt validation letters were sent and received via certified mail, by XXXX XXXX XXXX, XXXX. I sent these letters to them to verify the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I have yet to receive a proper response and they are reporting negatively on my credit without verifying this information.
Consumer complaint received 2020-06-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back yet.
Consumer complaint received 2020-06-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings (MO)

Concord finance Inc XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX put a lien on the title of a XXXX XXXX XXXX VIN # XXXX back on XX/XX/XXXX. The statue of limitations I believe have expired. I am requesting a notorized lien release ( DOR-4809 ) to title number XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (GA)

LexisNexis is reporting a bankruptcy on my credit report and failed to contact back with a 30 day period. Also failed to identify who legally provided this information. I contacted them asking for verification of bankruptcy on XX/XX/XXXX and they failed to contact me back within a 30 day period. I waited over that due date, which would've been XX/XX/XXXX, just in case it came days after, but after not receiving a letter, I wrote a letter to them again requesting them to remove this bankruptcy on XX/XX/XXXX. I received a letter back from LexisNexis on XX/XX/XXXX, and it said the letter was sent out on XX/XX/XXXX. This was after the original due date which was XX/XX/XXXX. I'm attaching all of the letters I sent and received from XX/XX/XXXX til now. I'm also attaching a letter from XXXX that said they did not contact LexisNexis and transfer any information over to any credit bureaus or third parties.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blackstad, Hrabe, Kirlorsky, LLC (CA)

I signed up with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. I submitted a total of 11 credit cards for the company to assist me by negotiating with the credit card companies. XXXX advised me to stop making payments on all of my cards in order for them to negotiate my debt to settle for less. In XXXX of XXXX, a debt collector served me with papers so I hired an attorney to take care of that one particular debt. As of XX/XX/XXXX, 9 of the 10 cards were either being paid off or were already paid off for more that 50 of the original debt. On XX/XX/XXXX, I received a text message from XXXX indicating that they negotiated a settlement on my BHK Financial account that has a current balance of {$6500.00} but can be settled for {$6500.00} over 13 payments. This credit card was issued by XXXX XXXX Credit Card and my enrolled balance was {$4800.00}. Because this debt was more than 2 years old, I was not aware of how much the enrolled amount was. The purpose for entering an agreement with XXXX was for them to negotiate a settlement for less than the enrolled amount, this particular debt was settled for {$6500.00}, which is {$1600.00} more than the enrolled debt amount. To this date, I have already paid {$4500.00}, which I am sure is well over the amount I should be paying if XXXX  would have done their job by settling the debt for close to if not less than half of what was originally owed. I called the company once I realized the mistake that was made. The customer service rep who assisted me told me sometimes they are not able to negotiate for less than the enrolled debt, I told him its ridiculous for them to settle for more than the enrolled debt.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's Experian XXXX XXXX and XXXX. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MA)

The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's XXXX XXXX XXXX and Equifax. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

I recently received a statement from Synchrony Bank showing a past due balance on an account I never had. Although I responded to the request for payment, I am called on my home and cell phone daily, some days I receive multiple calls. Daily negative reports are made to credit reporting agencies after Synchrony Bank acknowledged they received my response. There is a history of fraudulent on my credit cards involving Synchrony Bank and XXXX. I have prepared a detailed timeline of these events.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My Capital One Bank Menards Big Card Credit Card # : XXXX is lost/stolen and the {$6900.00} in transactions are all fraudulent charges and transactions. The charges are not my charges. They are all fraudulent charges.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The XXXX XXXX XXXX XXXX / XXXX /Collections XXXX and XXXX XXXX XXXX XXXX have not removed Student Loans to include Credit Agency 's XXXX Trans Union and XXXX. I applied as XXXX XXXX in XXXX. The loans are supposed to be paid in full as a requirement of Federal Laws and have not been done. It's on all Credit Records mentioned above to include a Collection Agency XXXX. I am a 100 Percent Service Connected XXXX Veteran and they were also previously sent all documents via US mail and emails electronically. I haven't received any response and XXXX locks me out over the website and over the phone it is routed to collections Dept only. Being a 100 percent service connected XXXX veteran by federal laws all these loans and credit corrections are supposed to be done. My school 's attended XXXX XXXX XXXX XXXX XXXX XXXX NY and XXXX XXXX AZ XXXX Thank you
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

On or about XX/XX/XXXX and XX/XX/XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not the signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (TX)

To Whom It May Concern, I mailed a certified letter to Credence Resource Management on XX/XX/2020 disputing the collection account for a XXXX XXXX  account in the amount of {$320.00}. By the way, I do not ever recall having a XXXX XXXX account. I received a response letter from Credence Resource Management dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. 

This account was then bought by XXXX XXXX XXXX agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to XXXX XXXXXXXX on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by XXXX XXXX  Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from XXXX XXXX they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX  and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim. 

This complaint is in regards to XXXX XXXX XXXX as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. 

IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS XXXX XXXX XXXX ABLE TO VALIDATE THE DEBT?
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (CA)

I signed up with Freedom Debt Relief ( Freedom ) on XX/XX/XXXX. I submitted a total of 11 credit cards for the company to assist me by negotiating with the credit card companies. Freedom advised me to stop making payments on all of my cards in order for them to negotiate my debt to settle for less. In XXXX of XXXX, a debt collector served me with papers so I hired an attorney to take care of that one particular debt. As of XX/XX/XXXX, 9 of the 10 cards were either being paid off or were already paid off for more that 50 of the original debt. On XX/XX/XXXX, I received a text message from Freedom indicating that they negotiated a settlement on my XXXX XXXX account that has a current balance of {$6500.00} but can be settled for {$6500.00} over 13 payments. This credit card was issued by XXXX XXXX Credit Card and my enrolled balance was {$4800.00}. Because this debt was more than 2 years old, I was not aware of how much the enrolled amount was. The purpose for entering an agreement with Freedom was for them to negotiate a settlement for less than the enrolled amount, this particular debt was settled for {$6500.00}, which is {$1600.00} more than the enrolled debt amount. To this date, I have already paid {$4500.00}, which I am sure is well over the amount I should be paying if Freedom would have done their job by settling the debt for close to if not less than half of what was originally owed. I called the company once I realized the mistake that was made. The customer service rep who assisted me told me sometimes they are not able to negotiate for less than the enrolled debt, I told him its ridiculous for them to settle for more than the enrolled debt.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The bureaus are reporting a loan with XXXX XXXX as having a balance. It is paid in full. I purchased furniture on lease and paid the first lease off. I then got approved for {$1200.00} instead of {$800.00} like the first time. Once I got approved for the {$1200.00} I paid that off as well and for some reason it is still showing a balance of $ XXXX dollars and it's been over 90 days since they reported and I paid both accounts before they ever showed up on my credit report. I have attached the dashboard showing both loans paid cash. I have attached each loan info separately showing paid cash and I have attached both leasing agreements.
Consumer complaint received 2020-08-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (CA)

1. In spite of numerous reminders of a down payment involved of the House in Escrow of XXXX, the Officer XXXX XXXX failed/refuse to implement the down payment of House bought prior to Marriage as a part of Escrow distribution of funds. 
2. The Escrow officer XXXX XXXX was reminded of such down payment again again up the the date of Escrow closure, yet today when she was asked of such reimbursement, she feigned ignorance. 
3. The Escrow officer XXXX XXXX violated the Law of Down Payment of House bought prior to Marriage, as deferred responsibilities to lawyers. 
4. The Escrow officer also failed to include expenses incurred to update the house sale, with clear presentations of Receipts of expenses that the Realtor XXXX XXXX is fully aware of such expenses as the realtor XXXX XXXX was the one who recommended the Handyman employee.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (WI)

I was contacted by Convergent Outsourcing Inc XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. Convergent placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. 

On XX/XX/XXXX I was contacted by XXXX XXXX  about the same {$1200.00} fraudulent XXXX account. It appears the Convergent resold my debt after they received proof that it was fraudulent.
Consumer complaint received 2020-08-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TN)

Ive explained in scrupulous detail to Speedy Cash via phone conversations ( which I have the audio file of ) as well as by mail the payday loan that they repeatedly harass me in attempt to collect on WAS DISCHARGED IN BANKRUPTCY at the end of 2015. 

Ive submitted my attorneys information XXXX XXXX, as well as my bankruptcy case number XXXX and this company still continues to call me sometimes 20+ times per day, as well as send me statements in the mail weekly which I have on hand. 

I have contacted an FDCPA attorney regarding this harassment and illegal attempt to collect on a debt that was included in bankruptcy.
Consumer complaint received 2020-06-12
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. (MN)

My XXXX XXXX XXXX Credit Card # : XXXX is lost/stolen, and all the charges on the account are fraudulent and unauthorized charges/transactions.