davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
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. (SC)

XXXX XXXX has an 60 Month installment loan with XXXX XXXX XXXX XXXX open on XX/XX/2018 to present that is paid as agreed on monthly basis. My Equifax credit report is reading a XXXX XXXX XXXX XXXX revolving loan instead of 60 month term installment loan, because it is missing 60 term on loan in the correct box under terms duration. Please update and correct my XXXX XXXX XXXX XXXX XXXX from revolving credit loan to 60 month term installment loan with Equifax, XXXX, and XXXX. For the months and duration of loan, it is missing 60 month term in correct box, Please add 60 month term to this loan in the correct box. XXXX XXXX states problem is with Equifax. Equifax states problem is with XXXX XXXX. XXXX XXXX XXXX just wants info corrected with both Equifax and XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (CA)

I submitted complaint # XXXX in which someone at CFPB has abused its authority aiding in the concealment of the fraud involving debt bondage and trafficking. Ocwen Loan Servicing, LLC foreclosed on a Deed of Trust # XXXX XXXX and conducted a foreclosure sale as it claimed there was a balance owed to the lender. QUESTION : What is the name of the lender it paid off? Ocwen has admitted it became the agent collecting the loan and was contracted by XXXX XXXX XXXX whom acquired certain liabilities from XXXX XXXX, XXXX. the purported originator of the loan, however, there is no recorded acquisition in public records from XXXX XXXX, XXXX. to XXXX XXXX ( now XXXX XXXX XXXX ). 
What is the NAME of the Lender, specifically the holder in due course of the contract? What is the name of the lender that claimed it suffered a loss and therefore having authority to real estate, land and building, immovable property? Please require someone having authority to act in the capacity of an officer answer under penalty of perjury. And also, reveal the name of the employee whom interfered with my right to due process in obtaining the name of the lender? State the name and position.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (TX)

Starting XX/XX/XXXX until now ( XX/XX/XXXX ) I started receiving anonymous and threatening calls regarding an alleged past due amount owed on a checking account from Wells Fargo in XX/XX/XXXX. I have received numerous calls from XXXX XXXX XXXX with a court docket number and I called them back and was redirected to XXXX XXXX XXXX and was then told they are not handling case but could give me a summary. XXXX XXXX XXXX informed me that case was being handled from XXXX XXXX XXXX out of Texas. XXXX informed me of an address discrepancy as the reason why they could not deliver the summons to me personally and accused me of writing " bad '' checks and blatantly told me " I was living recklessly '' AND THAT I WOULD BE TAKEN TO COURT. They never informed me that " this was an attempt to collect any debt ''. This was settled and these agencies should not be contacting me at all. XXXX stated I had overdrawn a checking account for XXXX which is ABSURD! This was over 10 years ago and would like to do everything possible to stop these people.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CT)

On XX/XX/2019, I received notification from XXXX XXXX that Nelnet had posted negative remarks on my credit report with XXXX which caused them to drop my credit score by 40 points. On XX/XX/XXXX, they did the same thing with XXXX with dropped my credit score by 43 points. The payments with Nelnet for my daughter 's federal student loans I applied for haven't even started yet and they're making trouble for me already. If they're pulling this XXXX now, what will they do if I really do something wrong? Nelnet has NO business reporting every little thing to XXXX, XXXX  or XXXX unless I do something serious like miss a payment or default on my loans.
Consumer complaint received 2019-01-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted to my servicer who has both the first lien mortgage and the second lien mortgage. They denied me the modification of the first but they gave me a 1 percent on the second with a defer o XXXX and XXXX. 

Then I got my statement on the second they charged me XXXX all entered on the same day as XX/XX/2018. They put me on default but my payment was only XXXX per month. 

I need your help as these lenders and servicers are repeating errors that the National Mortgage Settlement and the Homeowners Bill of Rights was give to assist consumers.
Consumer complaint received 2019-01-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, Experian, and XXXX. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my experian account and they refused. This is causing major issues in my personal life and need these items removed immediately.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (NJ)

OnXX/XX/2023 I received a letter in the mail from XXXX XXXX XXXX which is a debt collection agency stating that I owe a debt as of XX/XX/XXXX. They are trying to collect a debt that I owe to XXXX XXXX XXXX. in the amount of {$2400.00}. I never in my lifetime taken out a loan for college or mortgage in which I'm not a home owner or a college student. Also, I never opened an account with XXXX or any of its affiliates!
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My debit card was hacked 6 times in 2 years. I filed a complaint ( # XXXX ) about my bank for numerous charges, but one in particular that I never got back was for {$20.00}. The bank claims " On XX/XX/2018, the claim was reconsidered and a Miscellaneous Credit in the amount of {$20.00} posted to the account. '' But the day they added the credit, they also reversed it. I'm attaching a screenshot from my computer. It shows every transaction in the amount of {$20.00} ever added to my account. 
" Temporary Credit Reversal on XX/XX/18 Card # XXXX Claim # XXXX '' So the same day they gave me my money back, they also took it away. They owe me {$20.00}.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CA)

I have requested PHH Mortgage to remove my tax impounds ( see above ) and I also explained why. ( see above letter to PHH document ), I received response ( see above response letter from PHH ) This response is INCORRECT for several reasons : - Property was purchased in XXXX and I NEVER had my taxes impounded for over XXXX (! ) years, taxes were temporarily added after my last modification TEMPORARILY for XXXX  months only!!! I was told by PHH escalation representative in XXXX of XXXX that I can have them removed after making XXXX consecutive payments without being late or late charges and I can remove that in XXXX of XXXX (! ) I did not ask for it to be removed at that time as I was out of country during that time through the end of XX/XX/XXXX. Ever since then I have been getting lamed excuses of why it can not be done. First excuse ( which I understand ) was that taxes were due within 30 days of my request. Then they started to say and continue to do so that my loan to value is over threshold of 90 % because they use value of what I paid for this property back in XXXX (! ). My current value according to their website and their data is over {>= $1,000,000} with neighborhood value of $ XXXX. - In California, its illegal to use original purchase price for value determination from XXXX (! ) years ago. They must use current value determined by an independent XXXX ( which I am willing to pay for ) or your current market data research value. 
I am XXXX XXXX XXXX XXXX XXXX XXXX for over 34 years in the XXXX of California. I know what I am talking about and I know State laws and regulations in regards to this matter. 
Once again this also all irrelevant as my taxes were only added TEMPORARILY for XXXX  months after modification. I have now made more than XXXX payments after my last modification and I DEMAND for my taxes to be paid on my own and not through you!!! Also, after modification they tried to add impounds for my XXXX insurance policy and I proved them wrong and it was removed as I was not required to have that since loan was established back in XXXX. The same goes for property taxes!!!! Please REMOVE THAT IMMEDIATELY. 
Otherwise, I will be filing complaint with CFPB, Offices of State Attorney General and XXXX XXXXXXXX XXXX XXXX XXXX in the State of California!!!! 
I am XXXX that NO ONE takes time to figure out this situation and I keep getting robotic responses. Please help me out in this matter. I am retired due to XXXX and I am also in the process of getting my Real Estate Taxes reduced and/or paid for by the special State program for XXXX and XXXX individuals. 
I have proved them for over 2 years that I could pay that on my own without being late once (! ) and my real loan to value now is below 65 % based on current market value.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2020-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cohen McNeile & Pappas, PC (KS)

The law firm of McNeilePappas PC, has been constantly harassing me regarding a debt that was involved in a fraud case that involved my wifes information as well as mine being compromised in XXXX. During XXXX, XXXX XXXX incurred a breach of their system and my wifes account was compromised. Someone in the XXXX New York area used a bank account that belonged to myself as well as my wife to intentionally commit fraudulent acts towards her account, or at the time only her account. What the individual did was used a stored bank payment account on file with XXXX XXXXXXXX to pay off my wifes card and immediately have a new card issued to be XXXX  overnight to the address listed as being in XXXX, New York. My wife was able to catch the transaction right in the process due to an unfamiliar email issued by XXXX XXXX. The problem began when I learned that the same exact thing occurred to me. However, the circumstances were somewhat different. 

An account was opened using the payment information from the fraudulent activity on my wifes card because the bank account was a shared accout. An account was opened without my knowledge and I had no idea that the card existed until I began to receive notices from the law firm listed above as McNeilePappas PC. This group sent one letter and then moved forward to serve us with civil suit paperwork without even providing us the time required to respond to the initial documentation. I returned the answer through the courts and pled, not guilty. I further went on in the answer to detail a listing of requested supporting documentation to substatiate the allegation that this debt in fact belonged to me. 

What I received back from the firm was a tampered with document hidding vital information necessary to make a legitimate claim as to how they came to own this debt that they were alledging as being owed by me. Because of this fact alone this collector has violated 15 US Code SS 1692e-False or Misleading representations. The law firm of McNeilePappas PC, violated the FDCPA ( Fair Debt Collection Practices Act ) by intentionally sought to seek relief for which they intentially mislead me into believing belonged to me. 

By intentionally covering up the amount owed and paid for the alledged debt they say is owed by me, questions the fact of the true amount of the debt. I do not owe this debt again because it was as the result of a previous fraudulent act committed against my wife on a shared banking account that was compromised. Furthermore, McNeilePappas PC,  illegally moved forward on a debt that they did not validate as belonging to me, which it does not. Additionally, the firm never threatened to take legal action they just jumped the gun  and pushed forward with unverifiable information.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

There is a delinquent account on my credit report that does not belong to me, it was not opened by me. This account is completely unknown to me. 

The account name is : XXXX XXXX XXXX
Consumer complaint received 2019-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The account in questioned was owned by my mother, XXXX XXXX, who passed XX/XX/XXXX. The account is held by Portfolio Recovery Associates. XXXX XXXX XXXX XXXX ( XXXX ) The amount on record is {$6000.00} My mother made me an authorized user on the account, because she was legally XXXX. I was the Power of Attorney. 

I submitted a letter to Portfolio Recovery Associates in XX/XX/XXXX to remove this account off their records and from my Credit Report. I never got a response from their office. 

The account has me listed as Joint owner. I am not a joint owner on this account. 

I requested documents from Portfolio Recovery Associated, to show my signature and the date the agreement was executed. I am waiting for a response. 

The records will reflect that there has not been any activity on the card in question after my mother passed ( XXXX ) in XXXX. 

Again, I was an authorized user, not joint signer on this card.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I am disputing a hard inquiry from Chase Bank. I pressed the wrong button and was applying for a XXXX card. This is a mistake. This hard inquiry has to be removed. Chase stated they are reviewing the application so I cancelled the application. This inquiry was meant to be for XXXX, not Chase. I  explained there was issue with my phone and it went straight to Chase instead of XXXX. I don't want that card even though I am approved or not.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Over the course of the last year I have filed multiple disputes against Transunion for putting inaccurate information on my credit report. The information in question is my employer. They continue to list XXXX as my employer after I have repeated disputed and told to remove. After all this I have been a loyal customer of Transunion credit monitoring services for over 10 plus years. During the last year Transunion has continued to bill me {$14.00} every month for the services but locked me out of my account after I continued disputing the inaccurate information. I have attached a copy of my bank account which show Transunion billing {$14.00} every month. Also attached is a copy of the web page to Transunion login showing I'm logged in and the error page that displays. Notice my at top of page I'm logged in and it gives system error. This only started around XXXX of last year when I disputed the same inaccurate information on my account. I have been a member for over 10 years this never occurred only started after I started filing a dispute about inaccurate information on credit report. I had my friend log on to there account with no problem but every time I try to view my account this page pops up. Only started after I start disputing information last XXXX. In ten plus years before never a problem. Transunion owes me an apology for there tactics, {$160.00} for services not rendered from XXXX of XXXX of XXXX  for not allowing me into my account to view or dispute. They also show be fined.
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (IL)

I finance a vehicle from Santander consumer USA back in XX/XX/XXXX. The vehicle cost {$17000.00}, I put down {$1000.00} balance left was {$16000.00} my payment every month is {$460.00} which I paid every month. My loan mature in XX/XX/XXXX. I went into their web site the other day to check payments, they have me owing {$11000.00} how in the world is this if my loan matures in XX/XX/XXXX. I've been paying every month ever since, I called the Company no one seems to know anything, I've also reported this to the XXXX  no one has ever called me to discuss this issue. When I look at all the payments something is Definitely wrong all my money I've paid has gone to interest this is crazy. I need someone to fix this problem I have all my paperwork with me. Or I can hire an Attorney to take care of this problem. They can take the Truck back call it even because this is crazy. I can scan all paperwork I have all documents, also they have me owing late fees of {$1200.00} which is incorrect they better clear this up. Please take care of this. Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NJ)

I received a 7 inch XXXX tablet via XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IA XXXX. 
I called the Company and spoke to XXXX, then XXXX. They couldn't connect me to their Fraud Department, but said it would take about 2 weeks for me to receive a return mailing fraud package from them with a form for me to complete. 
In checking on line, this Company is listed as sending packages to victims ; items they did not order and haunting them for payment. I am returning this item but I am very concerned about my credit and what information they have of mine.
Consumer complaint received 2019-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation (TX)

I contacted this company a few times over the past years. The original amount of {$95.00} was paid to the dentist and I was insured. They dont have any further records and cant confirm because the dental office closed its doors years ago! Please remove this from my credit report its been over 6years now. Thanks
Consumer complaint received 2019-01-14
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: EQUIFAX, INC. (AL)

XXXX is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On or about XX/XX/2018, Capital One decided that it was not going to increase my credit limit even though I told them that my income had significantly increased. Capital One also informed me that my former employee did not commit fraud even though he stole company funds by using the credit card. The total of this fraud is in excess of {$5000.00}.