davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C. (CO)

Hi, I was recently sued by an XXXX and a judgement was entered. The original judgement was entered on XX/XX/2019 for {$540.00} for the amount owed and court costs. On XX/XX/2019 a further judgement of {$2200.00} was entered for attorneys fees. When this law firm contacted me, they indicated I owed amounts which had already been decided in the judgement, specifically the {$1500.00} as indicated on the attached ledger and an additional {$3900.00} in attorneys fees. I have disputed these amounts and have gotten nowhere. Also, they are charging for attorneys fees which would have already been included in the judgement and are charging 18 % interest, which according to Colorado Revised Statutes XXXX, the most they can charge is 8 % when there is no other agreement. 

I have tried XXXX times to pay on this debt and they have rejected my checks saying there was a " restrictive endorsement ''. I indicated the monies on these checks was only for the judgement, since they are trying to charge me for other items.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BBVA FINANCIAL CORPORATION (OR)

BBVA USA has been harassing me with phone calls regarding my personal loan. The calls come from XXXX. I answered one of these calls on Tuesday XXXX, advised I will be able to rectify the issue on XX/XX/XXXX when I get paid and asked for the calls to cease. That was at XXXX PST. On XXXX I received three calls between XXXX and XXXX PST while in the middle of a medical virtual appointment. I received an additional call the afternoon of XXXX at XXXX PST. On XX/XX/XXXX I received a call at XXXX PST, XXXX PST, and XXXX PST. In the XXXX PST call I spoke with someone named XXXX who stated I was still receiving calls due to not setting up a payment arrangement despite having stated on XXXX that I will resolve the issue on XX/XX/XXXX. This is abusive and harassing, and interfering with my sleep and my work.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

In XXXX of 2019, I disputed a mark on my credit report being listed by XXXX XXXX and the dispute results came back as " verified and accurate ''. Thus, I wrote XXXX XXXX a letter asking for the records used to verify the debt. In fact, I specifically asked for a copy of the original contract and full accounting for the amount claimed to be owed. However, In XXXX 's response letter, I didn't receive neither of the requested documents nor did I receive any other documentation that validates this debt. Furthermore, in XXXX 's response letter, it is stated that I didn't provide sufficient or specific information that explains the basis for my dispute. This is false. Once again, my basis for the dispute is that I have no knowledge of this debt, thus, I do not owe the amount claimed to be owed. I have attached the documents that XXXX XXXX is trying to use to verify this debt. This document does not prove that i owe this debt. Thus, how could the results have come back as " verified and accurate ''??
Consumer complaint received 2019-07-25
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (FL)

My mortgage is with Loancare and I was affected by a hurricane and I was una disaster area and was in a hurricane monoturium with HUD after I was put in a modification trial and completed it and then was given the permanent modification all payments have been on time and no lates but the lender keeps putting me that I have late payments and has been destroying my credit that have gone back and fixed this issue already 2 times and now they did it once again I need this to stop happening and need to stop hoping and praying that someone does not mess up my credit every month
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

my name is XXXX XXXX from XXXX NY. On XX/XX/XXXX while I was in upstate NY, someone withdrawl {$900.00} from my CITIbank account. I called CITIbank the next day after my card stopped working and told them someone has got access to my bank account and withdraw the money. I never lost the card or gave out my PIN number to anyone. CITIbank issued me a new card that time and ask me to change the PIN. They said they will investigate. They credited my account but then they reverse it claiming that this was consistent with my normal banking activity. I called CITIbank to complain again and it has been almost a month and the bank never credited me back my money although I was within the two days reporting period. I will be happy to provide the bill from XXXX XXXX in XXXX which shows that I had checked in on XX/XX/XXXX at XXXX XXXX and left on XX/XX/XXXX approx at XXXX XXXX. I can attach a copy of the receipt upon request. I also urge the bank to take a look at the CCTV camera because this happened in their branch Citibank ATM XXXX XXXX XXXX, XXXX, NY and Citibank ATM XXXX XXXX XXXX, XXXX, NY. By doing so they will protect another customer from falling into the wrong hand. 

We first made claim with citibank on XX/XX/XXXX with number XXXX and on XX/XX/XXXX with number XXXX. 


Thank you and hope your help on this matter.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (OH)

Commonwealth Finance has continued to list an old medical bill that I do not even recognize as a new debt collection with all 3 credit bureaus. As I have been working very hard to pay off collections that are legitimate and they have now " re-aged '' the collection and post it again as if it is new. When it was previously listed on my credit report over 7   years ago it was for a different amount. 

The collection lists XXXX XXXX XXXX in the amount of {$1000.00}. I have never heard of XXXX and have not been able to get any more information about the debt. Whatever it is I know it was from 9 years ago originally. 

In addition to this, I have never received a collection letter from Commonwealth Finance listing the right to dispute the debt. 

Most recently they posted it as a new collection on XX/XX/2019. Even if the debt is legitimate it is older than 7 years and should not be listed on my credit report. 

This tacting of " re-aging '' the debt appears to be against FCRA guidelines and is fraudulent. 

It is currently preventing me from renting a new home for my family as it brings my score down over 100 points. 

I have contacted them in the past and they were rude and only interested trying to scare me into paying this bill that should have fallen off my credit two years ago.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CO)

At the Time I was a student my XXXX was XXXX XX/XX/2013 I was a single mom and had to plan a funeral and was no way able to focus on studies while having to deal with raising broken XXXX that felt Like my XXXX was a father figure I also went into a deep XXXX
Consumer complaint received 2019-07-25
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX   XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-07-25
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)

XXXX XXXX XXXX XXXX stated I opened an account with them on XXXX, 2017. I never opened an account with XXXX XXXX on XXXX, 2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft, and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove and investigate this account, and they have refused to do so. Im not sure why Equifax is allowing a company to report fraudulent accounts to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it!
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (PA)

I ordered the XXXX XXXX coolant required for my XXXXXXXX XXXX XXXX through XXXX XXXX. This was on XX/XX/XXXX. 
Yellow coolant was shipped twice and returned both times, with written XXXX XXXX return authorization. I have XXXX receipt of returned coolant. My Discover Card, account # XXXX, will not accept the credit return of {$140.00}. I spoke to Discover Card rep three times and they agreed with me, but I an being harassed by Discover Card and their debt collection and every month being charged {$40.00} late fee and interest on product that was returned. I have told Discover I will not pay for product I returned and sent the backup documentation. I contacted XXXX and was told credit was approved and Discover will not recognize the credit. I have 23 years business with Discover without one issue. How do I stop this harassment. I need your help. Thank you.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The student loan US DEPARTMENT OF ED was not transferred. This is not correct at all. I paid the account as agreed, this is an error. What Equifax stated is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.

US DEPARTMENT OF ED
Consumer complaint received 2018-05-21
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: National Default Servicing Corporation (CA)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as Trustee Attorney, and National Default Servicing Corporation ( NDSC ) as Trustee, and others working on behalf of, for the interest of, for the benefit of, unlawfully accessed my credit reports. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within due to the bank, Trustee, and Trustee Attorney improper actions, I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/2016 to present. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX National Default Servicing Corporation ( NDSC ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America ( BOA ) refuses to remove PMI from my loan. I borrowed {$280000.00} in XX/XX/2019 against a property that was valued at {$320000.00}. 

The property is know worth, {$380000.00} and I owe BOA {$270000.00}. I loan balance is now far less than the loan to value ration of 80 % and they refuse to accept a valuation or to remove my PMI as the loan was originated less than 2 years ago. 

This is unreasonable and flies in the face of the reason why PMI is required. I would like assistance is having the PMI removed.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a credit card statement from a XXXX credit card under the bank of America for a purchase dated XX/XX/2018. The problem is that I have cancelled this credit card TWO YEARS ago. When I complained to the bank- spoke with XXXX XXXX # XXXX, they also were baffled how this happened but claim that they can put charges through on a closed credit card account??????? 


This sounds like banking fraud!!! if I close an account it is closed and not open forever!!
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MN)

Back in XXXX of XXXX I called Ocwen who is my mortgage lender because I was behind on my payments. The representative I spoke to suggested that I do a loan modification. I told him I would like to try that so he was sending me the paperwork. I asked him that if in the meantime I should bring my mortgage current because I could borrow the money from someone I knew. He said yes go ahead and do that. When I got the paperwork I gathered all the documents filled out the paperwork and sent it in. It came back denied, when I asked them if they could tell me why I was denied they told me that it was because I was not behind on my payments! I was angry because that person I knew that if I became current I would not qualify. Their response was that they always encourage people to make their payments! So I continue to struggle making my payments. And in XXXX of XXXX I was behind again. I had a law firm that was contacting me that told me they could help me get my payments 2 less than {$700.00} a month. I had my income tax return so I could have brought my mortgage current but the law firm told me not to because they would have to start their process I'm getting a new loan modification for me all over. That ended up being a disaster because they claim they did not know about a deferred amount on my mortgage and I ended up with a loan modification the changed my monthly payment from {$1000.00} a month to {$1500.00} a month. That was finalized and I started making those payments around XXXX of XXXX. I fell behind again and when I try to make a partial payment at the beginning of XXXX of XXXX the website told me that I needed to make a payment of {$5000.00} by XX/XX/XXXX. I proceeded to gather the money and a week before that date I called to find out if I could just make the payment over the phone. The representative I spoke to said I could do that. I asked him if it would withdraw that very same day because I had money going in that day and I wanted to make sure that the money was in there before the withdrawal came out. He told me that I could make the payment the following week and if that would be okay. So he said he would make a notation in my file that I was going to make the payment on XX/XX/XXXX of {$5000.00} over the phone. When XX/XX/XXXX came and I called to make the payment they said I could not make the payment. They told me I had to call a law firm and talk to someone named XXXX. When I called the number they gave me there was no one named XXXX working there but the woman told me that I was speaking to that she could help me. She said that she could get me a new reinstatement quote an email it to me within 3 days. When I received that quote it was for {$7400.00} because there were lawyer fees attached as well and the date I had to come up with that by was XX/XX/XXXX. I do not understand how a company can just tell people whatever they want and not honor the agreements they make. There is something very wrong with all of this and I believe that I have been treated very unfairly.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX/XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX/XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2021-07-23
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: ERC (TX)

I have reached out to the company on several occasions asking them to provide me with the information that have under my name and social. I asked them to prove they had the legal right to report this information on my credit report. They have failed to provided me with any information regarding this matter. I sent off certified mail and called multiple times. They need to provide this information showing they or in compliance with FTC, FCRA, IFRS, G.A.A.P and BASEL3 regulations.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc. (CA)

About a month ago I started receiving calls and collection notice from a company called State Collection Service. I was shocked and wrote the company back upon receipt- the notice claim it was for services rendered at XXXX Hospital . 

XXXX hospital is 3 hours away from me and I am a patient of XXXX XXXX. That said, I have no knowledge of the debts and they have the wrong person. I have requested they decease and desist with their collection efforts and the phone calls- however they continue to contact me. 

Client Account Numbers XXXX XXXX XXXX
Consumer complaint received 2019-07-25
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)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.