davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VT)

This is to amend the case # XXXX They lied to you. 

They wrote in their letter of XX/XX/XXXX that " SLS had not added a Lender Placed Insurance policy on XXXX  XXXX 's behalf and SLS has covered the cost of insurance for the above-referenced lapse period. '' However, today I received several letters from them, dated XX/XX/XXXX suggesting that they did just the opposite of what they told you. 

They bought hazard insurance from XXXX XXXX XXXX XXXX ( XXXX ) at {$2600.00} for period XXXX, and then they cancelled it on XX/XX/XXXX ( this is the day I managed to convince XXXX  to write me a new policy despite previous cancellation ). They billed my escrow account {$1300.00} on XX/XX/XXXX according to transactions on my mortgage account posted on their website. Both in direct contravention to what they wrote to you in their answer that they would do! 

I refuse to pay that. I would rather XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the protection of the law against those XXXX XXXX. 

And what should I make of them recording my most recent mortgage payment as a " single item receipt '' and/or " unapplied funds unidentified '' - I mean you see well it is the same XXXX amount as what is labeled " mortgage payment '' usually. So is that some other scam that I don't yet get? 

You can't just close complaints when you receive responses from companies like that. You need to do something to stop them from preying on people.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I XXXX XXXX was served papers around XXXX, XXXX from the court house in XXXX Tx, ( XXXX ) XXXX. XXXX XXXX XXXX, XXXX, is suing me, XXXX XXXX, ( XXXX ) XXXX ) for the amount of XXXX $ that they acquired from Synchrony Bank, on behalf of Pay pal. I have contacted Pay Pal, Synchrony Bank on the purchase that was made with neither company having any record of that amount in all totaled purchases using PayPal. When I contacted XXXX XXXX XXXX after several times and a week later, one of XXXX customer service people had told me the the Purchase was from a person with a last name of XXXX, and address of XXXX XXXX XXXX. XXXX NC XXXX, from which I have never been or have known of this person, or knowledge of any purchase from which was made. The Company suing me is where I acquired the name and address of this person that did make the purchase.The Credit Bureau has put this against me as bad credit. And needs to be reversed.
Consumer complaint received 2022-01-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: OneMain Finance Corporation (OK)

XXXX XXXX XXXXXXXX on behalf of OneMain has garnished my wages for {$800.00} a month for a debt belonging to both me and my soon to be ex wife, XXXX XXXX. The entire amount is being taken from my bank account monthly and with new deductions will exceed the federal legal limit for garnishment of income. XXXX XXXX XXXX is committing a crime by taking {$800.00} per month from my account alone when my wife works in the same XXXX XXXX, XXXX XXXX XXXX XXXX, and owes exactly half of the {$7500.00} judgement. My finances have been destroyed as a XXXX XXXX XXXX in Oklahoma. I can not afford giving almost 30 % of my pay to a debt not owed only by me! This needs to be rectified promptly and action against XXXX XXXX XXXXXXXX should be taken for their criminal behavior.
Consumer complaint received 2018-07-10
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. (GA)

I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (FL)

I checked my credit report and I noticed a collection for a company I didn't know. I call and spoke with a supervisor XXXX XXXX. Explain to her that the address I never lived there and I have been in the same residence for the past 3 years. I havent had a chance to see what is the collection is about.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (PA)

I received a letter from Wells Fargo, dated XX/XX/XXXX, explaining that the bank enrolled me in Identity Theft Protection - XXXX product between XX/XX/XXXX and XX/XX/XXXX. I did not request this product. 

I called Wells Fargo on XX/XX/XXXX, seeking further explanation. I left my name and phone number, as prompted, by the bank 's automated answering system. As of XX/XX/XXXX, I had not received a call from the bank. 

On XX/XX/XXXX, I again called the bank seeking an explanation ; instead of leaving my name and contact info, I held until an employee answered. The employee read a script after I explained why I called. I asked the employee a question about why and how I was enrolled in the product and she transferred me to a department that supposedly could answer my question. While on hold ( again ), the bank disconnected the call. 

I submitted this complaint because Wells Fargo involuntarily enrolled me in the product and made it difficult for me to obtain an explanation. I suspect that this has happened to many other current and former Wells Fargo account holders and that a banking regulator is better placed to deal with this huge entity rather than relying on each current and former account holder that was impacted to seek a resolution.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been a victim of mistaken identity. My father and I have the same name and there are many of his accounts on my credit report. After 45 days, I have pulled my credit reports from two of the credit reporting bureaus XXXX, Equifax and these accounts that do not belong to me have not been removed from my credit reports. 
XXXX accounts to be removed : XXXX XXXX Date opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID No Close date ; Reporting 7 derogatory late payments XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Rating : PAID NO CLOSE DATE ; Reporting 5 derogatory late payments XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX NO CLOSE DATE ; ACCOUNT STATUS : CLOSED Reporting 1 derogatory late payment XXXX XXXX XXXX XXXX ; date opened : XX/XX/XXXX NO CLOSE DATE ; Account status : closed EQUIFAX account to be removed : No account name listed Acct : XXXX date XXXX No Close Date ; Reporting 19 derogatory late payments No account name listed; acct : XXXX Date opened : XX/XX/XXXX ; account status : closed I am also including a copy of my drivers license and proof of address and current credit reports showing the above information.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I sent a debt verification letter in XX/XX/2021. The company didn't respond within the 30 days time and have continued to try to colect on the debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date that this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 
Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Please provide the name and address of the bonding agent for TSI/Transworld Systems , Inc in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

I refinanced my mortgage in 2007 with a subprime lender named XXXX XXXX XXXX. 
My loan was in the amount of {$75000.00}. It's is now 14 years later and only {$5000.00} has been applied to the principle. I had two loan modifications and never missed a payment that wasn't made up. I am current today. I asked for the amortization schedule because I have never received one. I was told by the loan servicing company that there was none in my file. What caught my attention is that I noticed that the princple payment is smaller than it was in 2007. I asked the company how my payments were being applied and what determined the payment applications and they said that the payments were being applied according to the amortization schedule that they don't have.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

The complaint is for the XXXX XXXX XXXX loan which was taken out for my business XXXX XXXX. 

This loan is through the XXXX XXXX and XXXXXXXX XXXX which provides affordable capital and business services to help small businesses rebuild from the Covid-19 economic crisis. 

An LLC is an independent legal entity that is formed under state law. Its independent status means that it has a legal identity that is separate from its members. State law authorizes an LLC to enter into contracts, take out loans, own real and personal property and hire employees in its own name. Hence, The debt belongs to the LLC under established law, not the individual members. 

The loan is in good standing and I have not defaulted. This loan is currently being inaccurately reported on my personal business report not my business credit report. This loan has been removed from one credit agency and should also be removed from XXXX and Experian immediately. Proper reporting should be updated to my business credit report.
Consumer complaint received 2022-01-25
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: OneMain Finance Corporation (AZ)

I reviewed a copy of my credit report and ONEMAIN ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: C.Tech Collections, Inc. (IL)

I received a phone call and a voice mail message at XXXX CST from the debt collection agency and in the message they stated it was XXXX which was correct as the agency is EST. I called later in the day to speak to a representative regarding the bill and then Also called back and left a message asking for a call about the FDCPA violation and never received a call. By right I can peruse a claim for this violation.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

On XX/XX/2022, I checked my credit report for the first time and found XXXX negative collection debts totaling close to $ XXXX. All of the collections come from XXXX and Convergent Outsourcing, and they are from what seems to be utility companies or being affected by natural disasters or declared disasters in TEXAS. My credit report shows all the collections linked to XXXX Texas Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Texas XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Texas XXXX I contacted the three credit report agencies to dispute the collections as identity theft, and so they could remove the texas addresses, they said all collections were linked to the texas addresses and that someone was using my identity because I have never been or even lived in Texas. I live in California. The credit companies could not remove the collections until I prove I did not open them by contacting Convergent and XXXX, but when I talk to those companies, after hours of going back and forth, they hang up on me. I feel frustrated. I will file a police report tomorrow morning.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and several collection agencies continue to place this outdated paid by settlement colelction account on my credit reports. This debt should not be allowed to be purchased by collections agencies because it was paid in settlement and the date of first delinquency is too old to be reported to my credit report. The collections agencies keep changing the dates allowing the credit bureaus to keep it on my credit for longer than the allowed number of years. I have disputed this debt to all credit bureaus but they continue to say they investigate but the dates are correct but they are noted. You can tell by viewing very old credit reports that show these same depts under different collections agencies in prior years. The date to be removed date continues to change. This debt was paid in full by settlement and the date of the first delinquent is incorrect on my credit report. This account should be removed from my credit report first because the DOFD is older than 7 years and because this account was paid by the settlement to the collection agency. This Item was placed for collection in XX/XX/2004 and has remained on my credit since that time.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (FL)

I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later XXXX XXXX put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX XXXX don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I sent certified mail to Equifax regarding my issue with XXXX and XXXX debt which was erroneous. I asked to see the original contract with my signature in compliance with the 609 Fair Credit Reporting Act. Which states that the debt must be verified and validated or be removed from my credit report. In the case of XXXX the court ruled that you can not take information off a computer source as verifying the debts.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

On XXXX disputed this bill with Consumer Financial Protection Bureau , and it was removed by Paragon Revenue Group. This bill was re-added to my credit report XX/XX/2021 you on for {$4800.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

On XX/XX/2021 there were 3 bills added to my credit reports from Paragon Revenue Group in the amounts of {$140.00}, {$210.00}, and {$390.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX, and unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.