davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recoveries, Inc. (OK)

To Whom It May Concern, In XXXX of this year, I received a letter from National Recoveries. A company I have never heard of until I recently researched to find they are a fraudulent collection agency. I responded to this letter stating I owed nothing on a false debt they were trying to collect. When you call the number it rings then disconnects. When the dept of education investigated my complaint and found the fraud, deception and predatory lending that occurred to me back in 2009, both of my cases were closed stating I owed NO DEBT. Both the schools not only kept money owed to me, they along with the dept of housing   literally put me on the street for 7 yrs. Both schools knew all along I never qualified for any loans for I never had the education to start the schools to begin with let alone how they continued to lie to me causing me lose my home causing me to be unable to even do school work or have the right equipment to do the school work. 

A few weeks ago I received a letter and a copy of a loan document ( one of which I already had ) that I did not ask for stating I owed the debt. Which tells me they did not do their job to see I did not owe the debt they were trying to collect. Yet their harassment has continued and enough is enough. I am tired of being taken advantage of by the US Govt. The US Govt allowed my acreage to be taken illegally then allowed TWO schools to take advantage and defraud the Govt and myself for trying to better my self after everything that was taken from me. The schools knew all along the fraud and deception they were illegally doing. THAT IS WHY BOTH OF MY CASES WITH THE SCHOOLS WERE CLOSED WITH NO MONEY OWED.
Consumer complaint received 2019-05-01
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. (RI)

I checked my credit because Im in the market to buy a house and I noticed all these inquiries that I didn't authorize. Please have all companies listed below show me my signature on any application or some sort of proof that I applied for anything or remove their inquiry 1 ) XXXX XXXX 2. XXXX XXXX XXXX 3. university of XXXX XXXX XXXX 4. XXXX 5.XXXX XXXX inquiries 6. XXXX XXXX XXXX 7.XXXX XXXX 8. XXXX XXXX  XXXX XXXX 9. XXXXe XXXX XXXX  10.XXXX 11. XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX 13. XXXX bank 14. XXXX cards 15.XXXX 16. XXXX XXXX   XXXX XXXX dba 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXXs 20.XXXX XXXX  21. XXXX XXXX XXXX 22 XXXX XXXX 23. XXXX XXXX XXXX inquiries 24. XXXX 25. XXXX XXXX 26. XXXX 27. XXXX XXXX XXXX 28. XXXX XXXX 29. XXXX XXXX  30.XXXX XXXX  XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX 33. XXXX   XXXX
Consumer complaint received 2019-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (OR)

I have student loans with American Education Services ( AES ). My loan balances are up to date and current. My father is the cosigner on the loan. My grandfather, XXXX XXXX, who is not affiliated with the loan has been receiving phone calls from AES almost daily and sometimes multiple times in a single day. AES is calling their home phone and my grandfather 's cell phone. My grandparents have spoken with AES dozens of times and explained that they don't understand why they are calling and have no information for them. They have asked AES to stop calling. I have contacted AES and asked the calls to stop. The calls continue to come. I have contacted AES on XX/XX/19 to demand the calls stop. AES refused to confirm the calls would stop. I spoke with a woman named XXXX. AES would not give me, the primary on the loan, any information. They just speak in circles from a script. I am paying my loans. They are current. My grandparents are not involved. I want the calls to stop.
Consumer complaint received 2023-04-04
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NJ)

I paid EOS CCA for my XXXX debt in the amount of {$160.00} which was on my credit report. I am trying to clear up all of my debts and asking for 50 % -75 % reductions on all debts. All debt collection companies have replied with acceptances. This one cashed my money orders but is refusing to take my debt off my credit report. They passed me around on the phone several times repeatedly, let me get you my manager, let me get you my supervisor, oh wait there is this note. I just want this resolved and removed. The next think I know they tell me I owe another {$300.00} and some odd cents. Something I was not even aware of. Then she says when can you pay that. I was so confused! Help me get rid of these people and delete this debt.
Consumer complaint received 2022-03-14
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. ()

XX/XX/2022 I disputed XXXX XXXX XXXX as they are showing this account now to be open. Which it is a closed account and now my credit dropped XXXX points and also re aged this account. TransUnion came back as verified both times I have disputed this FCRA violation.
Consumer complaint received 2019-05-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

On XX/XX/XXXX I received a " NOTICE OF SERVICING TRANSFER '' PHH Mortgage Services XXXX XXXX XXXX XXXX is now collecting the payments. XXXX  will stop accepting payments received after XX/XX/XXXX PHH will collect the payments going forward. PHH will start accepting payments received on XX/XX/XXXX.

XXXX XXXX XXXX XXXX has joined forces, as a result, XXXX will be consolidating all mortgage accounts uner one company, PHH MORTGAGE SERVICES.

On XX/XX/XXXX XXXX Reported on XX/XX/XXXX a balance of {$120000.00} Direct Dispute/ XXXX XXXX Item Result Result : Deleted XXXX has deleted the account or record from you XXXX  credit report.

Dispute Reasons : Accuracy : This account is too old to be on my credit report. There were fraudulent charges made on this account.

Now PHH MORTGAGE SERVICES claims I own them {$150000.00}.

The Account was opened on XX/XX/XXXX, ( 12 yrs 4 months ) highest balance {$130000.00}.

Last reported XX/XX/XXXX.

We had no contract with PHH MORTGAGE SERVICES. This account is too old to be on my credit report. Ther were fraudulent charges made on this account by XXXX XXXX XXXX XXXX.

RECORDS INDCATE ON XX/XX/XXXX XXXX XXXX XXXX   DECIDED NOT GO FORWARD WITH THE SALE ON MY PROPERTY, it was canceled by the Attorneys from XXXX XXXX.

THE courts Dismissed our ORDER TO SHOW CAUSE, PLEASE SEND THIS COMPLAINT TO PHH MORTGATE SERVICER AT THERE CORPARTE HEADQUARTERS LOCATED IN XXXX N J
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (LA)

I settled a debt with AMEX through their collection agency XXXX XXXX ph : XXXX. I made payments as agreed upon. Recently I received a mail from a different collection agency XXXX ph : XXXX for the " remaining amount ''. That amount was agreed to be cancelled based on the settlement. I called XXXX and was told to call AMEX because the file is no longer with them. I called AMEX and was told to call XXXX. I called XXXX and was told to call AMEX.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX 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 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (IL)

Citi has been penalized for using a company called XXXX XXXX  but did not refund all customers such as myself, and continued to enroll my account 4 years after the settlement from the CFPB told them to stop. I finally realized they were charging me thousands in fees per year and found a way through much navigation to cancel. 

In requesting a refund for the thousands I paid over the years for a service I was unaware of Citi gave me two fraudulent phone numbers for other add on agencies and did not help me, instead referred me to the third part company, even though letters came from them. They used this predatory practice to take money from me and others via XXXX XXXX  and the Citi customer service will not help or answer questions, only will pass people to XXXX XXXX, a company the customer has no relationship with. There is no information given, no actual contact, and only contradiction messages and information given by both entities. 

All leg work may be done by the customer with no help. Further they stated I signed up for this service in XXXX when that is not the case. Even worse, is after the ruling in XXXX they continued to perpetuate this on myself, and other customers, taking me for thousands over that period in predatory fees.
Consumer complaint received 2023-03-29
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$44000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-14
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. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

Hello It looks like there was a hard inquiry that impacted my credit score. 

I am concerned as it says I opened a new account / credit card with some bank called " synchrony bank. '' This is incorrect information. I did not apply for a new credit card -- and if SOMEONE did with MY security information, it was NOT me. 

Can you please get back to me so I can 1. fix the impact on my credit and 2. understand how to fix if this is fraud?
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had an XXXX  XXXX Platinum Plus credit card through Bank of America for quite a while. Several months ago, I applied to upgrade my status from Platinum Plus to Visa Signature card, which includes benefits such as the Companion Fare. I was approved for this upgrade, and was told that I was to receive the benefits of the card annually. 

However, when I tried redeeming the benefit of the card, I was told that I would not be eligible to redeem the rewards for an entire year. Their definition of 'annually ' meant that I'd have to wait an entire year for these benefits to go into affect. This nuance was never communicated to me, either by the staff member who I spoke to over the phone, or in the benefits summary sent to me. 

I feel that Bank of America has misrepresented the benefits granted by the card. They are refusing to grant me these benefits that I feel I am entitled to.
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XX/XX/20 I received a letter from XXXX XXXX XXXX that Dovenmuehle Mortgage Co bought my loan. Dovenmuehle never contacted me. I had to call them 15 to 20 times to get information. I originally refinanced with a 21 year fixed loan. Somehow Dovenmuehle changed it to a 30 year mortgage without my knowledge. I tried to get them to change it and my calls would be answered with someone will contact me, but they never did. On XX/XX/XXXX I received two collection letters demanding payment. Previously I had never had any contact from them. Today, XX/XX/20, I demanded that they take my payments for XXXX & XXXX for the monthly amount I originally refinanced because I didnt want my credit to be affected and to not incur any bogus late fees. In order to pay it by phone I had to pay an additional {$11.00} service fee which I thought was rude in light of me having to pursue them to make the payments. I paid two payments of {$1800.00} for a total of {$3600.00} and was told that they would make the necessary corrections. With all the problems Ive had, Im still uncomfortable that they will follow through. Dovenmuehle gives their industry a bad name. I wish I didnt have to deal with them, but I guess i have no choice.
Consumer complaint received 2023-04-04
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 contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The Bureau did not fix the error on my credit report. They are still reporting inaccurate late payments and violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2019-09-19
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)

I was surprised when saw 3 lateness on credit report. All of them are closed and paid in full with XXXX balance. Can you please remove these 3 accounts from Equifax credit report like have done already XXXX and XXXX.
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GMH Associates Inc. (OR)

XX/XX/2019. I signed for a loan a loan with rate lock, from GMH Mortgage Services. 
XX/XX/2019. GMH ordered an appraisal, which I paid for. The appraiser provided a full report, however, GMH delayed lending until some exterior work on the condo building was done ( mostly painting ). 
XX/XX/2019. The rate lock expired ( because of the lender 's delay ). 
* I did not request a lock extension, nor did I request to buy more points. I never mentioned the lock expiration. 
* GMH did not mention the rate lock expiration or selling me more points. 
XX/XX/2019. On the closing day, the lender sent me a revised application. He said : " Since your closing is a mail away the loan will not fund until the XXXX. You sign the documents on the XXXX and it gets recorded on the XXXX. You will be getting a revised extension to sign good to the XXXX. '' Notice, it says nothing about increasing the points/fees associated with the rate or changing the rate. 
* I signed what GMH Mortgage Services sent me, not realizing that it was not merely the extension the GMH told me it was. It increased the points/fees associated with the rate by {$250.00}.
Consumer complaint received 2019-05-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (CT)

Equifax could not find my name on their bureau. XXXX and XXXX has no problem getting a great score for me. Over 750 for both. We did this about a month ago and our mortgage associate at the bank told me to contact Equifax directly. I sent in everything they requested my license, social, etc. They sent us a letter back three weeks later and said that I dont have credit and to contact the other bureaus. Please help me find a solution for this :
Consumer complaint received 2021-03-05
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. (NY)

I faced with a big unfair situation in my life. Mainly recently a lot of fraud inquiries appeared in my credit report! Please help me because they are not mine and I have never ever authorized any of them. I am very sad that this situation happened with me. I have never signed any contracts documents and other papers with these companies and I have never approved these inquiries. I have tons of them now and its killing my report and killing my financial stability. I do not know them and their origins, I swear! The most terrible thing that I can not move on in my life. Please delete them after your investigation. 

I AM VICTIM OF FRAUD!