davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Data Systems, Inc. (GA)

I contacted Medical Data Systems today as there was a negative report that posted on my credit report on XX/XX/2018. It was found during my mortgage application process. The mortgage company gave me the contact information for the company and advised me what to ask for. I spoke to an initial agent who was very rude. She confirmed that the phone number that they were calling was my old home number which we do not use anymore. I advised her of that information. She then gave me my husbands cell phone number which I advised was a cell phone and that they didnt have permission to call. Before I could tell her that he had not received any calls, she stated " you received care in the emergency room so you need to pay your debt. '' I asked her the amount and was given {$64.00} and {$150.00}. I told her I would be happy to pay it as long as I got a letter stating what hospital it was, the amount, that it was paid in full and that they would remove it from my credit report. She then told me they don't do that and that I cant pay to clean up my credit.I advised her at that time she didnt have to be rude and that I wanted a supervisor or manager. She then told me that her supervisor would tell me the same thing. I said thats fine and I would be happy to pay, but I needed that letter. She then transferred me to a lady who identified herself as XXXX. She was aggressive from the time she got on the line. She repeated the same thing the other agent did. I then stated that since they would not help me obtain a letter on the debt and remove it from my credit report I would call XXXX Hospital directly. XXXX then told me that they were employees of XXXX Hospital and that they do not outsource their collections department. I knew that was false as I lived in GA and the company was in Florida. I let her know that I would be calling the hospital directly and ended the call. I called XXXX Hospital and spoke to a lady named XXXX. I explained to her what had happened and what I needed. She advised me that XXXX and the other lady I had spoken to were not employees of XXXX and that she would notify her manager of their rude behavior and false statement. XXXX provided me with a receipt and said I would also receive a detailed statement that the balance was {$0.00}. She also stated that they would contact the company to let them know to remove my information from their files and that the accounts were paid in full and that they should remove it from my credit reports. XXXX also advised me to dispute the item with the credit bureaus as well. This company should not be making false statements as to who they are and what company they work for.
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I spoke with the company who had this debt before, XXXX   and asked them what this debt for back in XX/XX/XXXX. The customer service agent told me the debt was for an account I had signed up for back in XX/XX/XXXX. The customer service agent stated the account was started inside an office and then I informed them the company who says I have the debt was not in the state in which I lived. And there would be no reason for me for me to go to another state to get an account. The customer service agent informed me to write a letter stating I was not aware of the debt and it did not belong to me. Before I could get the letter in, they had switch the debt collection company and I've haven't had the chance to speak with the new company XXXX  XXXX/Resurgent. No agency has yet to verified that the debt belongs to me.
Consumer complaint received 2019-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (SC)

Tonight ( XXXX XX/XX/XXXX19 ), I received a credit monitoring alert that a new derogatory account was listed on my credit report. I immediately noticed it as a debt that was already paid. I never received any call or letter informing me of the debt - it just magically appeared on my credit report. I called the collection agency to find out what was going on. The balance was {$50.00} even. I told the collector that I had never received any phone call or documentation via mail about the debt, and requested that to be sent to my address because the debt was not mine. She informed me that she would not provide that to me and that I was responsible for the outstanding balance after insurance and to pay it now. I told her that this wasn't my debt but to avoid the headache, if she would send me a letter in writing stating that if I paid the balance this negative information would be removed from my credit report, I'd pay immediately. I don't pay anyone without knowing exactly what I owe and for what, and she was very defensive when I requested validation. Instead, she emailed me a notice to collect without any requested financial information. I have already paid the collection to the original creditor, so I am hesitant to pay anything else without proof that I owe this money. I called back to request that I not be contacted by phone and spoke to another collector. She attempted to collect the debt once more, and I explained the event that occurred previously. She told me that I was lying about what I was saying, and both of the collectors used baby talk to try to get me to understand what they were saying. I was well aware of my rights and knew that my request for debt validation was sound.
Consumer complaint received 2023-03-09
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. (LA)

The unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

This is the Fifth time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee. My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in Summer XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (SC)

I have disputed the account on numerous occasions and it always come back verified so I asked the company to send me verification including a copy of my signature and I haven't received anything. By law this account is to be deleted if there's no verification. 

Capital Accts # XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XX/XX/2016 *date first reported* XXXX *reported amount*
Consumer complaint received 2019-09-10
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 — Investigation took more than 30 days
Company: Onity Group Inc. (FL)

In XX/XX/XXXX a Hurricane hit my area in Florida. Since I was affected, I entered into a hurricane repayment plan with Ocwen Mortgage Acct XXXX. Since then, I have paid them {$1100.00} every month on time, never 30 days late. Ocwen Mortgage reporting is GOOD and not reporting behind. 14 months good reporting since the agreement inception. Thank You Ocwen Mtg.

PHH Mortgage company recently took over my Ocwen Mortgage account as of XX/XX/XXXX. Since then they have been reporting me late on my mortgage payments, even though I have been paying them every month Approximately $ XXXX/mo, never 30 days late. I phone and fax them to correct the reporting, but they will not fix it. See attatched. 

I am in the XXXX business, and employers check my credit report to decide if I can work for them or not. Lately, I have been turned down for everything I apply for. Not only a job, but credit cards and applying for credit. 

Every month I have to notify all 3 bureas to correct the negative reporting. So far I have spent 35 hours try to fix the problem. Lately, the bureas have stopped helping me because I reported the dispute before. I have hit a dead end. 

I have been calling, faxing and challenging to get my new Mortgagee to not report me late. They continually post bad credit reporting. They do not want to correct it. My record will always show late for the next 7 years on my Mortgage. Please Help!
Consumer complaint received 2019-09-10
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: Consolidated Information Services Solutions, LLC (TX)

I was involved in both the XXXX & XXXX XXXX breach of security on XX/XX/XXXX & XX/XX/XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Consumer complaint received 2019-09-10
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. (IN)

I called in XXXX for my Yearly Free report. I was ignored by this group. I called again in XXXX .. 
My Father received a communication at my address. I am not he. I sent another Request Via USPS in XXXX. 
My Father received a communication again from this group at my address. I am not he. I am being denied my Credit Report AGAIN from this group. 

This is a constant, Annual event.
Consumer complaint received 2019-01-16
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: CORELOGIC INC (CA)

I recently noticed an inquiry From CoreLogic/ Credco on my credit file. I never gave permission for them to do a hard pull of my credit. I do not know this company nor any company they are affiliated with. I have attempted on multiple occasions to correct this incorrect information with Credco but they are only responsive on a form letter/automated response basis. They are claiming that they are not responsible for the inquiry yet it shows their identical information on my report. I am preparing to file a defamation of character lawsuit against them here in California and would like it to be known that they are fraudulently accessing and damaging consumer credit files.
Consumer complaint received 2019-06-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (OH)

They are trying to make me pay them for a homeowners policy while I carry my own policy. Theirs may be more expensive and have lesser coverage. When I originated the loan I agree with another company that I would carry the insurance. Since the loan in six months has been sold to them I am being hounded over insurance and they want to force additional costs onto the loan. I see where law suits have been brought in Massachusetts over this issue
Consumer complaint received 2018-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (AR)

Every time fed loan and i come to agreement about my loan, they soon send something in the mail stating I did not qualify. They phone calls from random numbers. i barely can purchase food, for me and my son. I'm currently on XXXX different meds, and XXXX different XXXX  and XXXX medicine because of their harassment. Often, I have to double my dosage when XXXX XXXX constantly call me. My credit is shot, I only make enough money to pay rent, light, water.
Consumer complaint received 2018-05-22
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: Rocket Mortgage, LLC (NY)

Again this is not a duplicate complaint as I do not recognize the hard inquire on my reports as being legitimate and therefore it is a fraudulent inquire made by Quicken loan as they continue to exploit the spirit of the Fair Credit Reporting Act ( FCRA ). My complaint is factual as I never submitted a loan application, I never showed or implied interest in any of their loan products. I have not received any documentation from Quicken Loan that supports their position or justifies their over reach into my credit report and since Quicken Loan continues to try and brush me off I'm in the process of proceeding to the next level of my commitment in seeking justice and will proceed with filing a civil lawsuit with my attorney seeking punitive damages. 

If Quicken Loan feels they have complied within the governance of the law then please provide me with the full address of Quicken loans corporate office so that my legal representation may take the next step necessary in looking to resolve this matter. 

Thank you
Consumer complaint received 2023-03-09
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. (TX)

XXXX XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting multiple inconsistent information between each credit bureau I dont see how when the bureaus get their information from the same creditor. 
It is the responsibility of the consumer reporting agencies to report accurate information on a consumers report. 

This account is verifying different active dates, payment dates and late payment dates. One bureau is reporting this account as 180 days late and the other 120 days late. If the credit bureaus all get their information from the same place, how are they all getting different information and able to verify these inaccuracies? 

It is clear that no proper investigation was conducted into this account and this account is illegally reporting. I am requesting that this account is deleted from my reports now!
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some sort of credit with these companies listed below? I have never done business with these companies. I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area.
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

XX/XX/2019 CONSUMER FINANCIAL PROTECTION BUREAU UNITED STATES GOVERNMENT AGGRESSIVE MORTGAGE TACTICS DEAR SIR ( S ) MRS , MISS, I HAVE TRIED WITH TWO DIFFERENT ENTITIES TO TRY TO BRING MY HOME MORTGAGE TO A STANDARD LEVEL THAT I CAN AFFORD TO PAY. FIRST TIME FAY SERVICING LLC, XXXX, ILLINOIS SAID THEY WOULD WITH ME ON A MODIFICATION BUT THAT ENDED IN A REPAYMENT PLAN INSTEAD. FAY SERVICING LLC REQUIRE OF ME TO PAY FOR TWELVE MONTHS A SUM OF XXXX PER MONTH. THEN THEY WOULD CONSIDER A MODIFICATION. 
XXXX XXXX  LAW FIRM THAT I AM USING WENT BACK TO FAY SERVICING LLC AND THIS TIME FAY SERVICING SUGGESTED ANOTHER REPAYMENT PLAN. IN IT FAY SERVICING SUGGESTED THAT I BEGIN PAYING XXXX PER MONTH. FAY SERVICING LLC NEVER GAVE ME A MODIFICATION!!! BEFORE THE REPAYMENT PLANS I HAD TO PAY XXXX PER MONTH. HOW CAN THEY POSSIBLY THINK ABOUT FORECLOSURE????! HOW CAN XXXX XXXX LAW FIRM THAT I PAY TO HELP ME ALLOW ME TO BE SO AGGRESSIVELY DEALT WITH????! THANK YOU, BEST REGARDS, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (NC)

I have been trying to deal with transunion directly for a few months now. There are inquiries on my report i never authorized and have no knowledge of that I would like removed from my report as there in accurate/fraud. XXXX XXXX XXXX ( Hotel and travel ) XX/XX/2021, XXXX XXXX  ( Bank ), XX/XX/2021 XXXX XXXX ( Bank ), XX/XX/2021, XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX and XXXX XXXX ( Finance ) XX/XX/2021.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America has a wire transfer service. That service has inadequate spaces for the required information to accomplish transfers in some cases. I need to transfer money to my XXXX brokerage account. To do this requires specifying the recipient ( XXXX ), their account number, for credit to the account in my name, and my account number. The BoA website only allows transfers to routing and account numbers and only to me personally. Further, it only recognizes checking and savings accounts- mine is a brokerage account, and I could also send it to my XXXX account. Clearly, the BoA system is simplistic and deficient.
Consumer complaint received 2023-03-09
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. (GA)

I am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit report.
Consumer complaint received 2023-03-09
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXX XXXX XXXX {$260.00} XX/XX/XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I applied to Bank of America for a XXXX  loan of {$19000.00} and was given the loan. 
The requirement for forgiveness was that all the funds be used for employee payroll. 
100 % of the funds were used for payroll. 

When I applied for forgiveness Bank of America denied forgiveness and is requiring payment of almost the entire amount. 

If the forgive any amount over {$1.00} I can not appeal the decision with the XXXX. They are indicating a small forgiveness amount of {$2000.00}, thus I can not appeal. 

Can a Bank approve a loan, the funds used and then decide they want the money back in full?