davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Current Owner : LVNV Funding LLC Reference Number : XXXX To whom it may concern : This company has a false account that is reporting on my XXXX report as a debt that needs to be removed or i will be contacting my attorney ( Information below ) as i just had a settlement with XXXX for false statements on my credit report rewarding me in {$500.00} for incorrect reporting. 
This is my final request for a actual document proving who this belongs to. My final request, send all proven documents to my North Carolina address listed below. 

I have shown given proof that this account is not mine and has never been mine by this so called credit one. I have a signed statement from 2018 that this XXXX XXXX has never had any relations with myself.

Please remove this account and while this investigation is going on you have 30 days of no reporting in which you never abide by before. That is a violation.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (SC)

I obtained a second mortgage from American Home Mortgage XXXX XXXX on XX/XX/2007. Few months after obtaining the mortgage. American Home Mortgage went bankrupt and can not get a hold of them anymore. MIN number is XXXX and the property address is XXXX XXXX XXXX, XXXX KY XXXX. 

Shortly after company went bankrupt, we paid off the loan to the bankruptcy trustee. 
I want to sell the property now and the title is still encumbered with the lien and I can not get a release on the lien since company does not exist anymore for a decade. 

I would appreciate your help to get this lien removed from my property. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-10
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. (OH)

There are two additional social security numbers attached to my credit file that do not belong to me. I tried to dispute the additional SS # 's but I was unable to do so without signing up for a product or service of some sort. I have been denied credit increases, had debt added to my credit file and disputes denied because these additional socials that do not belong to me. I shared that I was a victim of identity theft on my credit file, however, the credit reporting agencies keep attaching debt that does not belong to me. I recently had experian remove a debt for over {$7000.00} from the social security administration - I had never been pursued for that debt or received any information by mail or phone call about it, it just showed up one day. I am not sure how many of these accounts are EXACTLY the same as this one.
Consumer complaint received 2019-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP (IL)

I made an APPOINTMENT at US Bank, XXXX XXXX XXXX  XXXX XXXX, Il XXXX, with branch XXXX XXXX XXXX for XXXX pm on XXXX. I was there to obtain a medallion signature guarantee and fax surrender documents on a variable annuity. I arrived at the bank on time and sat down at XXXX XXXX 's desk. I at once explained the purpose of my appointment and displayed the documents that I was told to bring when I made the appointment ; the proof of ownership and the surrender documents.. I explained that I needed to obtain the signature guarantee and have the documents faxed BEFORE XXXX pm as the market closes at that time. I wanted the surrender to be received and executed on that day of business ; XXXX. 
XXXX XXXX began a lengthy dialogue covering many topics and did not seem to grasp the urgency of the situation. At XXXX pm he told me that I did not bring all needed documents to complete the process. Now, somewhat in a panic, I told XXXX XXXX that I could run back to my house, retrieve the required form. and be back in XXXX minutes, He assured me that he would wait for me and when I returned, we would complete the process. 
I arrived back at the bank at XXXX pm and to my astonishment, XXXX XXXX had another customer in his office. At that time, the bank had 2 tellers and another banker available and very few customers. I believe that the other employees could have assisted that customer. 
I was finally able to again sit down with XXXX XXXX and completed the medallion signature process at XXXX pm. The documents were faxed at XXXX pm. My surrender was therefore executed on XXXX instead of XXXX. The annuity was a variable instrument and followed the stock market. The stock market decreased dramatically on XXXX and therefore my account value decreased from {$170000.00} down to {$170.00}, XXXX ; a decrease of {$1200.00}. All of the documents that I had prepared were filled out correctly and the surrender was executed. 
I feel that I have lost {$1200.00} directly due to XXXX XXXX 's, actions. When I initially sat down with XXXX XXXX, I immediately communicated to XXXX XXXX the time frame that I was working under and the documents that I brought with me. He did not tell me at that point that I needed another document. This was a set, confirmed appointment, not a walk-in, chance meeting. The appointment had not been completed and I should have been able to return to the bank and see XXXX XXXX without interruption.. 
I have since communicated with XXXX XXXX and also his retail district XXXX, XXXX XXXX XXXX. They take no responsibility for my loss and actually believe any fault lies with me for not bringing the document that was required. 
I am a retired XXXX Bank employee and customer. I strongly believe that XXXX Bank owes me {$1200.00}.
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC (WI)

Back in late fall of 2017 I had worked out a pay-off arrangement with Student CU Connect. I had 4 loans with them and paid {$6000.00} on the 1st loan. {$2100.00} on the 2nd loan. {$2500.00} on the 3rd loan, and {$11000.00} on the 4th loan. I thought it was all satisfied until a couple months I answered a call from them to find it was Student Connect 's collections department trying to get the remaining amount of each loan. After multiply calls and different individuals I finally found out that the paper work never got back to them signed. Now understand that it was electronic signature and i had thought it went through no problem, especially since they didn't hesitate to take my money in the grand total of {$22000.00}. Furthermore they told me they had the agreement in front of them as we spoke but it was not signed and they would no longer honor it. Ethically why would they not honor it??? They got their money when requested for the amount requested. Also why would it be in collections if I paid that amount. That amount I would have thought would have carried me for years anywhere. I wont even go into the interest rates that were associated with these loans. 

Unfortunately I do not have much email back up as my work computer deletes after a set amount of days and I thought these loans had be satisfied. 

One last thing this has now shown up on my Credit Report which will severely hurt my chances at future credit applications.
Consumer complaint received 2019-07-10
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. (NY)

To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX NA XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have not been able to access my credit report for Equifax online through annualcreditreport, or directly through Equifax website. I have sent Equifax notices for 9 months verifying my identity. I set up an online account it constantly says contact Equifax customer service. I have done so over the past three months as well by phone and have been told it has been forward to the technical department, nothing has been done, nor has it been corrected. I can not access my credit report online to verify corrections to my credit reports, the credit bureaus have not sent me a hard copy of my credit report.
Consumer complaint received 2019-09-20
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. (AL)

Transunion is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But Transunion IS NOT doing anything. 

The inquiries are XXXX XX/XX/XXXX : XX/XX/XXXX XXXX Card Services : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Card Services : XX/XX/XXXX 2018
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (OH)

In XXXX of XXXX, I received a lawsuit notice from this company, which is also a collection agency as well. The notice stated that it was for the amount of XXXX which shocked me because this was for a XXXX card that I knew I made a final payment for in XXXX of XXXX. 

I immediately called them and requested to drop the lawsuit and/or get this balance to be disputed and reviewed. They claimed they mailed out a demand letter in XXXX of XXXX. I told them I never got it and they rudely responded with " There is nothing in the notes that states we got a return letter ''. I then told them I never got the letter. 

I also immediately responded to the complaint as this has turned out to be a very long pending investigation. 

Many weeks later I get a letter directly from XXXX stating their " I still owe the money '' after further investigation. There was no other explanation. I called the collection agency again and asked them to drop the suit and they again rudely responded with " our client does not allow that ''. They also refused to give further details on why the dispute was rejected. 

In XXXX of XXXX, I found out that my identity was stolen. This credit card they are referencing too was open during this period of time. 

They also refused to give actual debt details and refuse provide any evidence of any contact in regards to this debt prior to the lawsuit. They do not have any prove that letter was mailed out. 



I already filed a complaint against XXXX for failing to follow on the credit card act Levy Law and Associates LLC failed to follow on the collection act as well.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX   XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Consumer complaint received 2019-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. 
Thank you.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

Lane Bryant comenty bank. 
I never signed up for XXXX XXXX I closed my account months ago I called XXXX XXXX and they dont even show that I have the service but it is showing up on my statements I claim fraud I have been telling Lane Bryant I can not see where to remove this service online and they wont help me remove I told them I want it removed and refund me money since the beginning of time and all associated fees interest that go along with a service I never signed up for they wont help me.. so I need your help asap
Consumer complaint received 2019-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (AZ)

I have an account with Ally financial and their site has been down for multiple days and will not allow logins. I have attempted to contact them to get this resolved, yet it is not. This prohibits making payments. Yet, when I called in, apparently a new charge has been filed as a late fee. 

Ally is not a responsible or capable lender and must get this issue addressed.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

I applied for a loan modification on XX/XX/2019 and my request was denied approximately 30 days later.

I completed a second application for loan modification on XX/XX/2019. I am now in receipt of another denial letter dated XX/XX/2019 

Both letters provide the following reasons for denying my request for modification : 1 ) Monthly income of {$6600.00} is " insufficient to sustain any payments under any available loan modification program ''. The value of my home is {$650000.00} as determined by the lender. I do not understand how my income can possibly be insufficient to sustain any modified payment program. 
2 ) Current obligations are " excessive in relation to income ''. I do not understand what qualifies as " excessive '' and why it is a measurement for qualifying for loan modification. 
3 ) The amount of good faith payment is " insufficient to offer a loan modification ''. I do not understand why a good faith payment is a requirement for modification especially when it is not mentioned in the application for a loan modification. None of the lender 's documentation indicates that a good faith payment is required or what the minimum requirement is. I offered {$20000.00} from my 401k plan as a good faith payment with the second application. 

Along with the latest denial letter, I also received a letter stating that I can not make any more modification requests, that the lender 's decision is final, and that my only options going forward are a short sale or deed in lieu of foreclosure.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

My understanding is that FCRA XXXX necessitates us to remove any incorrect accounts from my credit report. Would you be willing to review the documents? It seems that several listed accounts are inaccurate, and it's making me feel uneasy. 
Please remove the inaccurate accounts being reported on my credit file.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (NJ)

On XX/XX/2019 the amount of {$3700.00} was taken from my escrow account with Cashcall XXXX Mortgage and never applied to my property taxes. I have called multiple times to try and resolve this situation. During my calls the operators have acknowledged that this appears to have been a mistake on their part as my taxes due were in the amount of {$3600.00} and the incorrect amount of {$3700.00} was taken from account allegedly to pay my property taxes which did not happen. I had made calls on XX/XX/XXXX, around XX/XX/XXXX and again on XX/XX/XXXX to report this problem. Each time I call, I have to start from the beginning and they say they are escalating me to a supervisor and then to the tax department. Each time with no specific resolution. I was told on during my call on XX/XX/XXXX, that I would be getting a refund check in the mail once this was resolved which I never received. 

The amount of {$3700.00} was stolen from me by Cashcall Mortgage.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from XXXX XXXX XXXX because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only Capital One credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a Capital One bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and Capital One, in which Capital One responded with a letter dated XX/XX/XXXX. 
In this letter Capital One states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the XXXX XXXX ( XXXX ) with the firm XXXX XXXX XXXX, XXXX on XX/XX/XXXX. This firm was previously called XXXX XXXX XXXX XXXX XXXX. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. Capital One also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XX/XX/XXXXwhich happened to be a secured Capital One credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from Capital One or XXXX XXXX XXXX regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.
Consumer complaint received 2019-07-10
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. (NY)

All Four accounts showing overdue and in collections from XXXX, XXXX, XXXX, and XXXX were previously paid and are falsely being reported to the credit agencies. I have attached the receipt I requested from the collection agencies.