davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I am writing to you once again as now I have made three trial payments on my modification, once again. The company XXXX XXXX, PHH, Ocwen are going back ion a promise and the method in which they explained they would remove my former Wife 's name. This is an outrage, I have been living with this since 2016. This was their mistake and I am being punished for following what they told me to do. I need government intervention immediately PLEASE SEE THE UNDERLINED SECTION OF A LETTER FROM OCWEN XXXX ATTACHED
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have contacted Portfolio Recovery directly and through the credit bureau 's as well. I have asked this collection company to remove this false negative account from my credit file and or show just cause of any accuracy for reporting. To this date I have yet seen any documentation bearing my signature and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this negative information be removed from my credit file immediately as this is hurting my credit worthiness. 


I have maintained copies of these notarized letters and dates. 

Thank you for your help.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PREFERRED CREDIT INC (WI)

my account should be listed as closed on my XXXX and XXXX  credit file prefered credit inc refuses to send me a letter stating my account was closed and has a XXXX balance i need that letter to prove my account was closed i am very mad at this company
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have filed a police report, submitted to the collection agency and XXXX, XXXX  as well as XXXX  this account still hasnt been removed Im a victim of fraud and Ive got documentation stating this. This was removed from my credit report then case right back. Ive filed through identitytheft.gov as well and had opened disputes that are now closed.

The amount states that i owe XXXX  to XXXX XXXX for XXXX XXXX for a credit card debt This isnt my debt this has caused my family so much issues in trying to purchase a house. Some person stole my identity and Im fight for my life to be normal again without these things haunting me!

Please remove this account from my credit report! I cant take this any longer
Consumer complaint received 2022-06-16
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. (NC)

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 




" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I XXXX XXXX XXXX, I am submitting this complaint myself no third party involved. 
I have tried to contact Transunion LLC to have them remove the unauthorized inquires on my consumer report with no assistance from the company see the attached documents.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

We had reported a fraud claim on 2 purchases for my credit card ending in XXXX with chase credit card back in XXXX with picture people for XXXX and XXXX dollars but those were reverted back and rebilled to the account. We had clearly reported that our credit cards were lost stolen and were not used anywhere. We had reported 4 fraud charges they reversed out 2 of them for XXXX and XXXX from XXXX but not these 2. How is it possible we can use them at one place but not the other when we did not have possession of the card
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IN)

I have been dealing with multiple issues with my mortgage. I have dealt with XXXX, XXXX, XXXX XXXX, and now SLS for years. I would say SLS is the WORST. I just paid off a Sherriff Sale on XX/XX/2019, sale date was XX/XX/2019. It was my second one in the last two years. The last one I paid off they did the same thing, added fees on that they would not explain to me. I was told that I had to send an email, they can not discuss my account over the phone, my loan was not reaffirmed. The fees say they are for Foreclosure on the statement. This time the fees are twice as much. They will force me to pay the {$1500.00}, instead of my payment of {$940.00}, fees are {$640.00}. I do not understand how I owe fees for something that was paid in XXXX. I made my XXXX payment early. For a long time, I was not even able to access my account. That changed finally in the last few years. Now I get statements and can access my account online. But they still have restrictions on my account because it was not reaffirmed. SLS is a very fraudulent company and should be investigated thoroughly. I know multiple people dealing with issues with them.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and XXXX have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation (NC)

I spoke with a representative at XXXX XXXX XXXX to ask why was a debt being reported thats was inaccurate. I also notify the representative she was being recorded she said she didnt care that I need to learn how to pay my bills my response was the bill was paid and why are you reporting inaccurate information on my credit report she then said do I have proof I told her yes and then asked her for the address to provide documentation that the debt reporting is inaccurate she hung up the phone. I attempted 3 times to get the current mailing address and each time she answered and realize it was me she hung up.
Consumer complaint received 2022-03-04
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. (VA)

On multiple occasions I have attempted to lift my security freeze with Experian. 

Most recently, XX/XX/22, and repeatedly since then. When I provide them my SSN and date of birth, they say it doesn't match their records. Neither has changed. The other 2 bureaus do not have this problem. 

I have attempted by every means of communication to contact them. Experian does not answer their phones. Experian does not have online assistance. 

I can't communicate with them because they do not recognize my information. 

But, I can't lift my freeze because they don't recognize my information. Information which has not changed in over half a century. 

Experian does not respond to my multiple efforts to communicate.
Consumer complaint received 2018-12-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I applied for, and received, a forbearance due to temporary financial hardship on 2 of my loans currently being serviced by American Education Services between XX/XX/XXXX and XX/XX/XXXX. These were both private loans owned by XXXX, and guaranteed by XXXX. The first loan ( 1 XXXX ) was disbursed on XX/XX/XXXX at a 5.1 % interest rate for {$35000.00} with a repayment term of 133 months. The second loan ( 2 XXXX ) was disbursed on XX/XX/XXXX at a 4.85 % interest rate for {$16000.00} with a repayment term of 133 months ). 

When the forbearance ended, the payment date was moved 3 days forward, from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. There was no reason given, nor could any of the employees I talked with explain why it was done. I am typically paid on the XX/XX/XXXX of  the month, and I called and requested to change the date back to the original day, the XX/XX/XXXX, as I would not be able to pay on the XX/XX/XXXX day of the month. To be safe, my direct debit was suspended, and I was assured that no late fees would appear nor would there by any report on my credit as long as I did pay the amount due by the XX/XX/XXXX of the month. 

I called on the XX/XX/XXXX and was told the change would be processed in 7-10 business days. I called back several days later and was then told that changing the date would actually take 1-2 billing cycles. I was again reassured that no late fees and no credit reporting would occur as long as I paid the requested amount by the XX/XX/XXXX. I paid  the amount due on XX/XX/2018 on XX/XX/2018. I was paid a day early because the XX/XX/XXXX was a Friday and paychecks are disbursed a day early so they are not held over weekends. 

On XX/XX/XXXX, I received a letter in my account inbox online stating my date change request could not be accommodated since my account was delinquent. I checked my online account, which stated my account was current, there was {$0.00} due, and that I had, in fact, paid ahead. 

Since I can not pay on the current due date, and it may take 1-2 billing cycles to change the due date, my account will always be delinquent ; therefore, I can never receive a change on the due date in order to pay on time. Additionally, I have been given wrong or contradictory information at each step of the process, culminating in my account being shown as current and " paid ahead '' while at the same time receiving official notification that it is in delinquency.
Consumer complaint received 2022-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (OH)

This complaint involves a Parent PLUS loan that was currently held by XXXXXXXX XXXX  and serviced by XXXX XXXX. 
In XX/XX/2022, I refinanced this loan through MEFA, with loan servicing by XXXX. 
On XX/XX/2022 I received written notification from MEFA that it had disbursed the full payoff amount of {$62000.00} to XXXX on that date. 
As of XX/XX/2022, XXXX XXXX has not credited that payment to my account, and has indicated by telephone that it has no record of the payment that MEFA claims to have made.

I have called MEFA 's customer service phone number ( XXXX ) five times : XXXX XXXX ( approx ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX On each occasion, I explained the issue to the customer service rep, who has promised that the issue would be looked into and that someone would call me back. 
On the XXXX XXXX call, the customer service rep told me that MEFA would make direct contact with XXXX to track down the missing money. I have been unable to confirm whether that attempt was ever made. The only time MEFA has ever kept its promise to return a phone call was to verify my account number with XXXX after my initial call. Since then, MEFA has been non responsive. 
I have asked MEFA to provide me with the identifying information about the electronic payment it claims to have made, so I can attempt to track it down myself. They have been non-responsive to this request, too. 
As of XX/XX/XXXX, I have had to make two separate payments on the loan - one to XXXX and one to MEFA- to avoid late charges and a negative impact on my credit report. I'm not able to sustain making double payments. MEFA has put me in a vulnerable financial position by its own negligence and unresponsive customer service ; and it has failed to uphold its part of the loan agreement because there is no evidence it has ever paid the previous lender.
Consumer complaint received 2018-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On several occasions including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested Transunion send me copies of the original documents I signed with XXXX XXXX XXXX and XXXX XXXX. Under section 609 of the Fair Credit Reporting Act, I am to receive these items within 30 days or any disputed items is considered UNVERIFIED and must be deleted.

Transunion has never sent me any documents from any requests I have asked for. According to the FCRA, Transunion must have copies of all original documents in their files. At a consumer 's request, copies should be sent to the consumer within 30 days.

At this point Transunion has violated the FCRA and has not verified the above accounts and they should be removed from my credit report.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any SBA loans to help me through this crisis
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (CA)

I have no idea who they are, why they are calling or anything about any debt I owe. I have already filed a complaint about this at which time they claimed to be validating the debt. To date I have not seen one peace of proof that I owe anything, who I owe it to or why they are sending repeated robocalls.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX  with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX  on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : XXXX : XXXX
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, There must be a misunderstanding! I submitted a complaint and it was recently closed with no changes and no comments to my report or updates sent to me related to the XXXX items I have listed below which is suppressing my FICO score and causing hardship. 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.I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a suppressed FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions. Transunion is reporting under public information related to U.S. Bankruptcy Court : This is a direct and clear violation of my rights and I will pursue damages should these items not be corrected/removed. After speaking with the department, they have informed me that they in no way report to any of the credit reporting agencies related to past or present files/cases. If this is accurate as it must be since it came directly from the Texas department, Where is Transunion getting this inaccurate information and able to so call " verify '' when there is nothin to verify. This has gone on long enough and I demand results and instead of the CFPB pushing the responsibility on to Transunion, I demand the CFPB to uphold their duty to protect consumers from predatory actions such as what I have placed in front of you now. Before this complaint is handled with neglect, I would again advise you that I am tired of the run around and do plan on taking action should this avenue not result in the desired result. 

Details of the items in question : XXXX XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2017 Reference # : XXXX Closing Date : XX/XX/2017 Asset Amount : {$0.00} Court : U.S. Bankruptcy Court Liability XXXX {$0.00} Exempt Amount : {$0.00} Remarks Also : I do not live nor have I ever lived at the following address that is present on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX DO NOT JUST UPDATE MY ADDRESS ON THE FILE, REMOVE THE ADDRESS THAT HAS NEVER BELONGED TO ME AND UPDATE MY CURRENT ADDDRESS ) Please refer to full US Code should you require itemized list of actions allowed and not allowed under the code.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

So it all started when I did my taxes with XXXX XXXX XX/XX/2022 I did credit karma to get an 2,500 advance which I received I believe that same day or the next. So I was having problem taking money off my card I was calling representatives back to back nobody could help so I linked my XXXX bank account with them to transfer money when I did thats when they sent me a confirmation email but with the wrong account number so they then locked my account without notifying me I could only contact the specialist team through email they never told me what was going on until later they needed proof of my identity and bank statement but the bank statement was for another account that wasnt mine that they wanted me to provide so I sent my actual bank statement and proof but still Im under review and my account is locked I talked to 2 supervisors and so many agents nobody could help and they keep saying they will email the specialist team thats all they can do they cant see anything in my account this been going on almost a month now I submitted my forms several times on their website and through email I told them just send my money in a check but no response please help I need my money and my tax money that suppose to be coming to that account Ive tried everything that they told me
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AL)

In 2020, my account was reported late 90 days ( XX/XX/ 2020 ) XXXX and again XX/XX/2020 with XXXX and XXXX. However, the account was paid on time. I have reached out to the company on numerous times to try and get this resolved.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

JEFFERSON CAPITAL SYSTEM {$680.00} The debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account we did not agree upon, and I did not sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, they did not follow the 5 step validation procedure, which makes these unfair practices. According to the FDCPA, I'm entitled to {$1000.00} dollars per violation, and they clearly violated my right.