davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I have this collection on my credit reports I have tried to get them removed but it has not happened. This debt is not mine and never was I would like it removed as soon as possible. This is on all my credit reports and is not mine. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Overview You've paid off 0 % of your collection amount. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( 1 yr, 10 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

My mother passed in XXXX when she passed she was current on her mortgage payments I applied for a modification with Wells Fargo due to me being behind on the payments in XXXX the mortgage was paid up until XX/XX/XXXX when I lost my job due to job relocation out of Maryland Wells Fargo gave me the runaround for over a year on modification with my long as to which I believe I qualified at the time and had turned in all the necessary paperwork through the local Wells Fargo branch everything was documented as I was told certain things were not turned in as I continue to follow through and turn them in with the modification process I was denied twice the first time was because I only got a second chance because I made a complaint based on their procedures I am coming to find out that the home may have been covered with insurance after my mother passed I believe Wells Fargo went to far with my modification and I also believe at the time I was qualified for modification as well as there was MPI and PMI insurance on the home and I believe This is why they rejected me due to them being able to be paid out double on the home this is fraud and it should not be allowed
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-15
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)

In accordance with the Fair Credit Reporting Act, 1. XXXX XXXX XXXX XXXX, 2. XXXX ... XXXX {$100.00} amt 3. XXXX ... XXXX,,,, {$100.00} amt 4. XXXX XXXX XXXX XXXX .... 
5.XXXX  XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX MY CONSUMER RIGHTS HAVE BEEN VIOLATED. 
15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15USC 1681 SECTION 604A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

Ocwen claimed it foreclosed on the purported debt and received payment for delinquent months from XX/XX/XXXX-XX/XX/XXXXfrom the trustee. Question # 1 : Who is the holder in due course that Ocwen remitted the proceeds of the foreclosure to? Question # 2 How much was paid to the holder in due course?

ALSO : State the date the title policy expired.

Provide the satisfaction of mortgage certificate involving XXXX XXXX XXXX, XXXX  and XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I called my loan company on XX/XX/XXXX about the debit from my account due the following day. They informed me they had already contacted my bank and there was nothing they could do to stop it. They then advised me to contact my bank and order a stop payment order. I called my bank, Fifth Third, and ordered my stop order and paid the {$33.00} fee for it. I was guaranteed by two separate banking associates that this would work. I was also advised that the amount will still be debited from my account but that the day after the debit occurred that I would be refunded the debited amount. This has not happened. My account is now negative due to them not crediting my account like they told me would happen. Now they are saying that stop payments arent guaranteed and there isnt anything they can do. If they arent guaranteed then why did I have to pay them for a service that might not work? I wont get paid until another six days so my account will accrue late fees each day due to this error, even though I went through all of the necessary steps to stop a single payment with the authorization from the creditor.
Consumer complaint received 2018-12-10
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. (AZ)

XXXX  and Transunion failed to positively verify the account, and has hurt my ability to obtain credit. XXXX  XXXX XXXX XXXX was never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This company HAS NOT done this.
Consumer complaint received 2023-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (CA)

I received initial communication from National Credit Management on XX/XX/2023, regarding an alleged debt owed to XXXX XXXX XXXX in the amount of {$15000.00}. I disputed the alleged debt in a written letter, sent via certified mail, on XX/XX/2023. National Credit Management failed to provide a debt validation letter within XXXX days of initial contact.
Consumer complaint received 2022-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Good day, I have made several attempts to have unauthorized and unverified inquiries removed from my credit report. I reached out to Equifax and XXXX by phone and was given the run around each time and was not assisted in submitting the disputes or commencing investigations on inquiries that were not carried out by me. such inquiries are ; Equifax XXXX XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2018-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My loan service provider, XXXX XXXX XXXX, conducted a review of my qualifying payments for the student loan forgiveness program and only credited me for three ( 3 ) payments made while I was employed at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( see enclosure ). I believe I made at least 36-45 additional payments in the monthly amount close to $ 330.00- {$340.00}. 

My loan service provider, XXXX XXXX XXXX, conducted a review of my qualifying payments for the student loan forgiveness program and only credited me for three ( 3 ) payments made while I was employed at XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( see enclosure ). I believe I made at least 36-45 additional payments in the monthly amount close to $ 330.00- {$340.00}. 

I have tax statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that show I paid student loan interest. 

Sometime in XX/XX/XXXX, my loans were transferred from XXXX XXXX XXXX to XXXX  XXXX XXXX. I am at a loss as to why the loan information would not transfer over including information on how much of my loan I already have paid off. Meanwhile XXXX XXXX tells me that I am listed as forbearance the following periods : ( XX/XX/XXXX - XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was paying on loan while employed at XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) I was unemployed and can verify only this period as forbearance. 

I have asked that XXXX XXXX XXXX review my payments. 

We can send you a statement of account since we began servicing your loans. Unfortunately, we can't provide your account history before your loans transferred to us. Please contact your previous servicer for further information. See email attachment XXXX. XXXX XXXX XXXX has closed and can not be contacted. Why was this pertinent information not transferred about my prior payments? 

This is unacceptable. Who is to protect me from fraud? I am currently working with my past financial institution ( XXXX ) to pull statements of all my payments to XXXX XXXX XXXX. 

My load provider 's lack of information and records could cost me tens of thousands of dollars. I have remained working in public service so that I could qualify for the SLFP. I am so close to getting through my ten years of payments. The finish line is in site, and now to receive information that I have made less than half of the 125 payments is debilitating.
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

My loan transferred to Carrington Mortgage Services on XX/XX/XXXX. I have had problems ever since. On XX/XX/XXXX I went to the Carrington website to schedule a mortgage payment. I inadvertently scheduled this payment on the wrong checking account. I have several problems with the system they use to collect payments. 1 there is no option to verify your payment before you complete the transaction. You put the checking account info in and boom the payment is complete. After noting my error, i.e. scheduling a payment on the wrong account ( the account with no money in it ) I called Carrington to inquire on how to delete a payment. The customer service rep told me there was no option on the website to delete a payment. I then explained the situation to the rep. She placed me on hold for two minutes then returned to the call and advised me there was no way to delete the payment. The payment was gone from the system and on its way to my bank. I explained to her I set the payment up five minutes again. She replied and told me the draft ever hour and there was nothing she could do. I told her the payment would over draft this account and cause NSF fees. Please delete the payment she transferred me to a Sr Customer Service Rep of XXXX. I explained the aforementioned sinaro to XXXX and asked her to please delete the payment. She told me the payment was gone and call my bank to place a stop payment on the bank. I told her I did not want a {$50.00}. stop payment fee. She told me that my only option then hung up. These types of servicers using these types of systems create a hardship on consumers. There should never be a situation where you can not correct a mistake. This payment processing software or company is using punitive practices on their mortgage customers. These types of process and practices create an undue hardship on its borrowers. Now Im faced with NSF fees because of how Carrington choose to process payments. I want them to cover my NSF fee and fix their software and allow customers the option to edit or delete and redraft a payment as to not create a hardship on the borrower. Also my bank told me the payment was an EFT and not a check. Its more difficult to place a stop payment on a EFT. This is horrible and must be corrected asap.
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Bank of America has illegally reported me to the Credit Bureaus for late payments. These payments are not late and have been paid. They have forced me to pay for expensive flood insurance. In addition, they have threatened me with foreclosures. They have consistently increase the monthly payment from the fixed rate. Almost doubling the payments.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I tried to call Experian over the phone at XXXX XXXX XXXX and I could not get in touch with any live person that could help me that is why I am filing the dispute threw CFPB. There is a high balance of XXXX reported on my discovery card and on other credit reports such as XXXX  I saw high balance of XXXX in the month of XX/XX/XXXX. This is incorrect high balance and current balance for the month of XXXX billing cycle. The correct balance and high balance for XXXX is XXXX that will be sent to Experian in the next few days. The problem with XXXX or XXXX balance it is over the credit limited of XXXX and that is not my closing statement balance. This is XXXX account XXXX open XX/XX/XXXX.
Consumer complaint received 2020-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (OH)

I received a 1099-C from US Bank for cancellation of debt in the amount XXXX. I have not had an account with US Bank in over a decade. When I contacted them they said it was for a business that was closed about a decade ago. The debt was from 7 years ago in 2013 supposedly. I have not used this account nor was even aware I had this account. Had they tried to collect or even sent me a bill I would have disputed any charges at that time. They claim they spoke to me in 2013 and I said if you did speak to someone it was not me. Instead of helping me they said take it up with your tax adviser. There are numerous regulatory violations here. To start, this is not my charge and I was not even aware there were charges for 7 years. This would have been disputed if I was aware per REG E and I am sure there Visa or MasterCard agreement. I would also say there is FDCPA violations as there was never an attempt to collect a debt, not was there any notification for 7 years that there was a debt for a company that was closed 10 years ago. Additionally, the contact info on the 1099-C is incorrect and had to be transferred to 6 different individuals all scripted to say they cant assist.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX {$720.00} and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CO)

XX/XX/XXXX - I receive a call about fraud in my account, on the phone for over an hour trying to solve it but I had to get off the phone because of an appointment. Account gets locked. 

XX/XX/XXXX - I send Ally bank the information they requested ( selfie, photo of my ID and SSN cards ) XX/XX/XXXX - account is still locked. Husband and I are on the phone for an hour trying to solve it. Phone gets disconnected, no call back XX/XX/XXXX - account is still locked. Can not access any of my money, either in checking or savings
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AR)

Lately I've noticed that my late payment information with JP Morgan Chase mortgage is being changed. It's happened two months in row. I use XXXX XXXX to monitor my credit. We sold the home in 2016, so I don't know why my late payments on that mortgage are being changed now. 
I have not contacted Chase about these recent changes, as I do not want to discuss my mortgage issues with them any further. ( They encouraged we apply for a loan modification that we were never eligible for. Requested I miss mortgage payments in order to " qualify ''. Returned mortgage payments I sent them. The foreclosure process began even though we were still in the modification process. Encouraged me to continue the process, even after I explained I was very uneasy and wanted to pay in full what I owed. Lost my money after the denial. Forced me to accrue more missed payments and late fees til they found it. I made complaints to the CFPB, in which Chase investigated themselves and found themselves not at fault. Ruined my credit, forced us further into poverty, which then forced us to sell the home when we weren't ready causing us to lose out on around {$30000.00} if we had waited. ) Then suddenly, they are altering when our payments were made and when they were late. Why is this happening? Please investigate. And I do not want to be contacted by Chase.
Consumer complaint received 2022-06-15
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.