davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

Nationwide Credit is acting illegally and unethically in dealing with a debt. Their license in CA must be pulled for unethical behavior. At issue is the fact that we are trying to do a short sale. CA law forbids contribution to junior lien holders in a short sale. Nationwide, the junior lien holder, is trying to receive a significant contribution which is illegal. To make matters worse Nationwide a division of XXXX very well knows that their parent company 's policy is pay junior lien holders 8 % of their outstanding debt on a short sale. This is the amount being owed to the owner of the debt and their parent company XXXX. XXXX only pays 8 % they can receive 8 % too. What 's good for the goose is good for the gander. Try to illegally play a shell game and move this debt to their Nationwide department does not obsolve them of the requirement of receiving 8 % of their pay off for the short sale only! Nationwide/XXXX must issue an approval letter ASAP to match the amount notated on the first lien approval letter attached.
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC (CA)

I feel very disappointed because of a debt that now has affected my property with a lien on it with a summons I never authorize. Who ever took the summons documents never notify me so that I can negotiate with Calvary Portfolio. I feel violated of my rights under the Fare Debt Collection Practices Act and need an immediate answer.
Consumer complaint received 2015-12-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Scott Lowery Law Office, P.C. (OK)

The XXXX Scott Lowery, P.C. law firm is representing XXXX , XXXX in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX Scott Lowery, P.C. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.
Consumer complaint received 2018-12-24
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. (AL)

I have mailed notarized FTC affidavit and a notarized FTC report to XXXX XXXX XXXX!! they keep reporting this fraudulent account to Equifax but have removed from experian and XXXX!! They keep sending 50 million questionnaires to me and wont STOP! They Wont stop reporting this fraudulent account! I will be taking this to small claims and suing for damages!! Do you honestly think Im gon na hand my personal information to you in this questionnaire?? NO! I have mailed certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018! XX/XX/2018 is waiting for them to pick up!
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (OK)

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX with Account name : XXXX 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
Consumer complaint received 2021-06-11
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. (CA)

I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (DE)

Barclays credit card cashed my certified check of {$5400.00}, but did not credit my account. The company told me they have no record. I have a copy of the cashed Certified check that was cashed by Barclays on XX/XX/12. They refuse to credit my account!
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NH)

PHH Mortgage company has stopped accepting my monthly loan payment. In XXXX XXXX, PHH mitakenly claimed that I did not have home insurance on the property. I provided proof that I did have insurance. However, this mistake by PHH triggered problems with the mortgage, putting my payments in arrears. I continued to make my payments but these were always considered in arrears because of the escrow account set up by PHH. Six months ago PHH stopped accepting my monthly payments and now PHH has sent my loan to a law office to begin foreclosure proceedings. 

All I want is a detailed review of my loan to determine why PHH took out lender 's insurance on the property given that I also had insurance. Also, PHH has created an escrow for property taxes, even though I have never been late with property tax payments to the City.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (CA)

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.

Has Violated my rights. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I returned the rental car to XXXX XXXXXXXX XXXX XXXXXXXX, and the agent told me the amount was {$300.00} some. I agreed to pay that amount, and that amount only. But after I handed the debit card to them, they changed me {$600.00} some without my permission, no verbal agreement, pin number or signature was provided to the merchant to authorize that transaction. 

I complained to their agent, and tried to dispute that transition with my bank-Wells Fargo , but the bank seemed like it was ok for them to take money out of my account without my permission. The amount that I didn't authorize was {$260.00} and was recently taken out of my account.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Servicing Group LLC (ID)

I started receiving calls from ASG XXXX 6 months ago telling me that they are a debt collection company representing XXXX XXXX XXXX and that my file was placed with them for collection. I thought someone had stolen my identity because I knew I had never had an account with XXXX XXXX XXXX  so I started to file a report with XXXX XXXX In filing such report they ask for information from the original source of debt. So I called XXXX XXXX XXXX on XX/XX/XXXX and they said they could not find anything in their system with my name or social security number and even if the account had been closed they would still he able to pull it up. They advised me to ignore the calls. I've been called every day since though and the calls start early morning and stop after XXXX sometimes. They call every hour and I've had to just turn off my ringer because they drive me crazy. I've tried blocking the numbers but they call from another. They have left me several nasty voicemails which I have saved for proof if needed.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

REPORTING WRONG ADDRESS. 

To Whom it May Concern : XXXX XXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, DELAWARE XXXX Please update my name to : XXXX XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XX/XX/2001 Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Citi Management Group, LLC (LA)

Citi Management in XXXX is the problem. I contacted them stating my situation and the transaction was still attempted. I know they received the call because it was confirmed through one of there worker. They also called my job threatening to send some type of action to my job and they spoke with my HR department. I was informed and called them to work out a plan. The first person I spoke with tried to help but then I was transferred to I guess a supervisor by the name of XXXX XXXX and she did not try to help at all. She is terrible and her customer service is even worse. She went in to some explanation that was not what I wanted to know. She even stated I know that is not what you wanted to hear which was correct. I called for help to resolve the situation and she did not attempt to help. The issues that really upset me is calling my employer when in fact they had my email address whereas they could have emailed my because I could not be contacted via telephone and secondly the threat of legal action when they received they call of my situation. I would like some type of legal action taken against them or legal action that I can take against that company.
Consumer complaint received 2022-10-16
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Consumer complaint received 2022-04-13
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)

In accordance with the fair credit reporting act XXXX  Accounts has Violated my rights. 
15. u, s.c 1681 section 602 A. States I have the right to Privacy.

15. u.s.c section 604 A. section 2. It also states a Consumer reporting agency can not furnish a account without my written Instructions. 
XXXX XXXX {$350.00} Delete XXXX XXXX XXXX XXXX {$830.00} Delete XXXX XXXX {$5800.00} Delete XXXX  XXXX {$2400.00} Delete
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC (AL)

In XX/XX/XXXX, I hadn't arrive home yet and my day answered the door. They asked for me and threatened to take me to jail. My child was afraid. I was told to contact a number and now answer from a debt trying to be collected from XXXX XXXX XXXX  account. The account was charged off in XXXX. Somehow it repeatly gets updated for no reason.
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XXXX XXXX XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX   contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA and XXXX XXXX  guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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. (PA)

On XX/XX/XXXX I notified Equifax Credit Reporting Agency that I noticed unauthorized and unrecognized inquiries on my credit report, the following are a list of said inquiries that were fraudulently placed on my credit report. 

XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX ON XX/XX/XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXXXXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted XXXX XXXXXXXX XXXX and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by XXXX XXXX when payments resume. Because my bank account was compromised as well when XXXX XXXX  resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.