davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (OH)

On XX/XX/XXXX, I received a robotic message from a collections company claiming to be Midwest Recovery LLC. My mother and husband received similar calls for me from this company. I had no communication from them prior to this date. The same date, my XXXX  and XXXX  credit reports showed collection accounts with this company. I know this is not legal. No notification of this alleged debt, no information until the date you report it? What about my right up dispute the validity of the debt? The next day, the account was on my XXXX   account. I have no collection accounts on my credit report. I have good freedom. I believe this company seeks out those in situations like mine do they can bully them into paying a fraudulent account. They know they care about their credit. I called the company on the morning of XX/XX/XXXX, anguished about my now tarnished credit. Before I could get two words out, the representative told me the debtor would accept less than 50 % settlement and delete it from my credit. To me this proves this company is fraudulent. Why wouldnt you want the full amount I owe and why would you use credit deletion as a bargaining tactic? I didnt ask for it. You offered because you get people to pay just to get it off their reports. You are bottom feeding snakes. Disgusting! The account is not mine. I have a military spouse. That makes me ineligible for these types of products. I have not taken a payday loan. I literally have 15 credit cards. I don't need a payday loan! The checking account number they provided in which the alleged funds were deposited is not mine. I have been employed with XXXX XXXX for 12 years so I have an account with them and XXXX XXXX. I almost offered to pay just so they would take it off my credit. I almost fed into their deceitful tactics. This is UDAAP at its finest. But I refuse to let them get away with this. There are so many online complaints from other people with the same story. You should be ashamed of yourself, Midwest Recovery!
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

For XXXX to Present, I have disputed XXXX XXXX XXXX Account and have asked for the removal from my file with all the Credit Reporting Agencies. I sent TransUnion Identity Theft Letters dated XX/XX/XXXX, and a repeat letter dated XX/XX/XXXX, along with the Identity Theft Police Report requesting the removal of XXXX  account from my Credit Report. 

I received a response from TransUnion dated XX/XX/XXXX stating XXXX # XXXX was DELETED from my credit report. I received a new Credit Report dated XX/XX/XXXX XXXX account still showed. 

XX/XX/XXXX, I received a response from XXXX XXXX XXXX giving notification XX/XX/XXXX, my name XXXX XXXX was removed from the XXXX  files as a joint account holder, and on the same day a request was sent to the Credit Reporting Agencies to have the account ending in XXXX DELETED from my Credit Report, please allow 30 days. 

I submit another request for my Credit Report again dated XX/XX/XXXX XXXX account still shows. I have sent the same information to XXXX and XXXX and they have removed XXXX from my account EXCEPT for TransUnion Credit Report Agency. 

I have sent another Letter to TransUnion XX/XX/XXXX requesting the removal of XXXX  account off my Credit Report Again. As of todays date XX/XX/XXXX I have not received a response back.
Consumer complaint received 2018-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc. (GA)

ARS National Services needs to delete and remove this XXXX account from my XXXX  credit report or legal actions will be taken against XXXX and ARS National Services. I did not open this account. This is fraud and needs to be deleted and removed immediately.
Consumer complaint received 2019-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

My Mortgage company is Phh service in XX/XX/2019 it was sold from Owens Mortgage I was on a modification program for 3 months paid trail period on time was told I would get my regular monthly payment 30 days before my trail period end which was XXXX I call several times before my trail period ended and was told to just make my regular payment I received my modification 3rd wk of XXXX already made my XXXX payments 1st wk of XXXX then I get different letter stating different amounts due XXXX statement said my escrow was short and I would have to pay XXXX more. Shouldn't they have know this when they sent my modification papers to be notarized and send back by the 4th wk in XXXX or given me more notice. Pls help me i call try to talk to my relationship manager several times before i received the escrow shortage notice never received call back
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

I called a few times. And they tell me my social security not pulling up in the system. I made payments in the past and they still took my taxes XXXXyears straight. Even Sallie Mae took money from me.
Consumer complaint received 2022-06-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably.

In accordance with the fair credit reporting act Bank of America account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 





Kind regards, XXXX XXXX XXXX XXXX : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Consumer complaint received 2018-11-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

We are the seller of the property. Appraisal for property with accepted offer of {$330000.00} came in at {$310000.00}. Comps used were XX/XX/XXXX/XX/XX/XXXX when the most comparable property sold XX/XX/XXXX. Our home was listed XX/XX/XXXXand closed XX/XX/XXXX. The appraisal was incorrect and we sent detailed corrections to the First National Bank XXXX, PA XXXX XXXX Asst VP XXXX and requested corrections be made. The appraisal had many inconsistencies and contradictions. No value was given for 10 items. The appraisal stated that the neighborhood value of homes were consistent and appraisals generally fell no less than 5 of purchase price. In the Opinion of Site Value, he gave the home a value of {$390.00} ,XXXX and then said it was not a consideration for the appraisal. He stated no improvements were made in 15 plus years and the home is 4 years old. We contacted a real estate attorney for a consultation. The attorney agreed that we had no true value of the home. In addition, when an appraisal is contested, another appraiser does the appraisal. We offered to pay for the second appraisal but the bank chose to use the same appraiser. The bank Underwriter accepted the false appraisal and accepted the appraiser 's refusal to make ANY corrections to the appraisal. We asked for this in writing and were refused. 
However, we do have phone and emails on the matter plus supportive documentation. Although there is no proof, the attorney said that these refusals can give the perception of collusion. I spoke with a local WV bank and was told they have never had an appraisal come in that far below the selling price and they assured me they would never provide a mortgage loan based on a false appraisal. Most disturbing was Mr. XXXX XXXX absolute determination to not review, discuss, or correct ANY of the items that were pointed out. He knowingly submitted a false appraisal. And in return, the First National Bank knowingly accepted the false appraisal. This can not be a viable or legal practice. We felt backed into a corner by all parties involved. We felt bullied and did not feel anyone had any interest in the outcome other that the money they stood to receive. We have no idea of the connection of XXXX XXXX XXXX relationship with the bank.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compaint : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : XXXX XXXX XXXX XXXX account dates are : XXXX for {$160.00} ( account # XXXX ). This amount is incorrect. I am requesting that the item be removed. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-03-30
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. (WI)

I am reporting to have the following accounts attached in this complaint to be removed from my account. They were added there without proper verification and with discrepancies. This goes to show that not much investigation was done and therefor a violation of my FCRA. I already informed bureaus but to no avail.
Consumer complaint received 2018-11-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

MY FATHER DIED XX/XX/XXXX & MY MOTHER DIED IN XX/XX/XXXX ... LEAVING THE HOUSE AS AN INHERITANCE TO ME, THE MY MOTHER 'S ATTORNEY PUT THE HOUSE IN MY NAME & I LIVE THERE FOR 8 YEARS WITHOUT MAKING ONE SINGLE PAYMENT ... NO ONE TOLD ME THERE WAS A MORTGAGE ON THE HOUSE ; IN SPITE OF ME HAVING POWER OF ATTORNEY, EXECUTIVE OF ESTATE, OR LEGAL RIGHTS TO THE HOUSE & I NEVER RECIEVED ANY MAIL IN MY MOMS NAME & NEITHER MY NAME STATING WE OWED OR THERE WAS A PAYMENT ... WE HAD THE SAME PHONE NUMBER & ADDRESS & THE COMPANY WHO IS TRY TO TAKE OWNERSHIP OF MY HOUSE NEVER SENT US ANY KIND OF CORRESPONDING COMMUNICATION AS TO WHO THEY WERE CLAIMING THIS ANORMOUS BILL WAS OWE ... THE FINALLY, SENT ME A LETTER IN SOMEONE ELSE 'S NAME & CLAIMED IT MUST WAS AN ALIENS I WAS USING! THE LAWYER WAS IN ON THE SCAM WE BELIEVE WE WERE JIPPED OUT OF OUR MOTHERS HOUSE ... .THE NAME OF THE COMPANY IS OCWEN LOAN SERVICE & WE ARE IN DESPERATE NEED OF HELP TO FILE A CIVIL LAWSUIT TO GET OUR PROPERTY BACK..
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe the XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

This account was reported to XXXX XXXXPayPal and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. XXXX XXXX XXXX says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by XXXX  that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I have disputed the Wells Fargo tradeline on my credit files with XXXX, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by Wells Fargo. XXXX reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, Wells Fargo claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - Wells Fargo claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that Wells Fargo has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (MI)

loan depot must conduct an thorough investigation about possibly scam artist XXXX XXXX scammed me out of my home XX/XX/XXXX and moved in the next day around XX/XX/XXXX has gotten multiple loans and are hitting my credit or by emails. I never conducted the loan action with loan depot in XXXX and want you to investigate who did as I know from my loan he has gotten loans with HUD in XXXX, step forward, michigan assistance program, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX all possibly in my name or under my account. 

please investigate.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Sequium Asset Solution which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Sequium Asset Solution has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Sequium Asset Solution. Sequium Asset Solution is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Radius Global Solutions which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Radius Global Solutions has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Radius Global Solutions. Radius Global Solutions is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-06
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: Experian Information Solutions Inc. (TX)

I just paid off a XXXX XXXX  XXXX card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.
Consumer complaint received 2018-11-07
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: Santander Consumer USA Holdings Inc. (TN)

To whom it may concern, I purchased a XXXX XXXX XXXX   XXXX, on XX/XX/XXXX. 

I have made payments since XXXX, my payments are currently {$600.00} at a rate of 27 % and I owe approximately {$19000.00}. 

The problem is that I reviewed my credit report recently and noticed that Santander Consumer USA, started reporting my loan when I first purchased the vehicle and stopped reporting as of XX/XX/XXXX. 
Per the rules and regulations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681-1681y.

If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher. Im insisting that reporting be resumed on my account as well as back dated until last XX/XX/XXXX until XX/XX/XXXX. 

The failure to report my consumer account is very frustrating since Ive been attempting to use this account to rebuild my credit.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

While trying to refinance my mortgage I was told I had a freeze on my credit reports. I called XXXX and after about an hour had it lifted. I called Experian and after about an hour I had it lifted. I called XXXX and was told to go on line. First, I never requested a credit freeze and second they make it impossible to get help in a timely manner. 

I would like to get this freeze lifted so I can go about the business of refinancing my mortgage. Can you help me??? 

If they have so much power over consumers we should have the ability to fix problems quickly and without crawling through hoops.