davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES (NY)

I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX XXXX XXXX XXXX by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XX/XX/XXXX, and XX/XX/XXXX that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, P.C. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XX/XX/XXXX Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.
Consumer complaint received 2019-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (TX)

I am reopening a previous complaint with Transworld ( XXXX XXXX XXXX XXXX XXXX XXXX ). I am now seeing discrepancies between parties XXXX XXXX and Transworld.  I recently reached an agreement to pay a lump sum with said company XXXX XXXX XXXX XXXX XXXX XXXX ( Transworld ) through the XXXX XXXX as stated in their closing. They stated they saw no XXXX XXXX. I will be attaching my DD214 ( Social Security Number blackout for Confidentiality ). Also, i see on the loan it is at {$9900.00}. However, XXXX XXXX states nearly {$16000.00} the total loan has come up too. Our agreement of the lump sum payment. Where are all these extra funds coming from. Also, the transaction history starts in the year XXXX  however the disbursement date was effective XXXX. Where are the 5 lost years of information? i will also be reaching out to my mother to find documentation on her trying to talk to XXXX XXXX XXXX XXXX XXXX XXXX. I know Transworld, XXXX, and several other comapnies. Where are the other 5 years. I will also attach the previous letter as well. I need answers everything seems very very fishy. if you waited 5 years to buy this loan or missing 5 years of documentation. how is that possible? Also I am adding the transaction history of the loan to show of where it starts.
Consumer complaint received 2018-01-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

Caliber Home Loans Servicer Alleged Owner = XXXX XXXX XXXX as Nominee for the LSF9 Master Participation Trust Caliber Home Loans statement XX/XX/XXXX has  a transaction backdated to XX/XX/XXXX! 
Amount back and forth {$40000.00} Mortgage payment and payment reversal.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

I have a XXXX account on my credit with a telephone number that has never been mine. I have had my phone for over 15 plus years. 
This number is not mine. This is not my account. This is an Ex 's account. He still has the number. He still has the phone. 
This is since 2012! Should be off my records! No record of my name ever being on this account. No signed documents from me I am unable to get a home because of this NEGATIVE account on my credit!
Consumer complaint received 2017-11-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TRANSUNION, XXXX AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I was told my XXXX was accepted and my loans forgiven, now XXXX getting bills. I have checked Mohela many times since my letter came to me, and every time its shown a XXXX balance due and a message saying Your Account is in Good Standing. I was skeptical but could not complete payments on their site. Then they reported to the credit bureau that my loan was forgiven. Today XX/XX/24, I get a bill and a notice XXXX past due 202 days! Mind you, Ive checked the site several times between the letter and today! Ive attached the XXXX letter that Mohela sent me.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have repeated to XXXX that I turned all my accounts over to XXXX XXXX XXXX he just goes on to tell me he doesn't care there has ben no payment on this account since last XXXX he calls more than once a day either XXXX or XXXX my number or my husbands. Today XXXX, XXXX called my son at his job, who is a XXXXXXXX XXXX XXXX hauling XXXX.to ask about XXXX XXXX my husband and XXXX   stephfather how to reach XXXX XXXX is XXXX and independent of myself and my husband he is married and lives in another town. I don, t know how XXXX got information on XXXX whose last name is different I believe this is Harrasement. 
XXXX Ph # XXXX ext.XXXX
Consumer complaint received 2020-11-24
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 disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither credit bureaus.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (VA)

XXXX, 2021 : XXXX offered a trial of this product. I was led to try the product for {$5.00}. Instead, XX/XX/2021 : I got the following debits from my account : {$1.00} and {$49.00}. 
On my bank statement, the phone number assigned to XXXX is from PayPal. I do not have a PayPal account and did not authorize XXXX to use PayPal. 

XX/XX/2021 : XXXX, ID # : XXXX, wanted me to provide my SSN, my credit card number, and my banks account and routing numbers. I did feel comfortable providing these, so I initiated a non-fraud claim. Also, XXXX could not verify that I had PayPal and did not ask the name of the company or the products name.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (PA)

I signed up for the Ace Flare prepaid card. When I signed up there was an offer that advertised an account opening bonus of {$100.00} after you had a direct deposit within the first 60 days of {$500.00} or more. The bonus would be paid in 30 days from that. 

It has been not only 30 days but even 30 business days ( I was told this after I inquired after 30 days ). Then they told me I needed to have a {$500.00} direct deposit for 3 months in a row, although I can find nowhere on the terms/conditions where this is listed. 

I have contacted them several times but the agents were either unaware of the offer ( still listed on their website, by the way ) or were saying things about the 3 months of offer.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Prosper Marketplace, Inc. (MT)

I currently have a Prosper Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with Proser anymore since it's not going anywhere, Note : I was told by Prosper that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.
Consumer complaint received 2019-11-07
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. (NC)

My husband and I applied for debt consolidation and we were turned down - the bank sent us a copy of the report re our credit rating- my report said in both XXXX  and transunion # 39 Serious Delinquency- yet I have always paid my bills on time there is absolutely no delinquency- When I tried to make them aware of this nothing happened- can you please check into this and please take off of my report Thank you XXXX XXXX
Consumer complaint received 2020-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Servicing changed us a late fee that we have challenged. 
Fay Servicing is entirely unresponsive to our eMails and calls challenging this charge. 

Fay Servicing changed their mailing address without notifying us. 
Our XXXX, XXXX payment was processed electronically by our bank ( it is an automated payment, the bank sends it early every month - actual transaction posted below ). 

XX/XX/XXXX Online Payment xxxxxxxxxxxx To FAY SERVICING XX/XX/XXXX Bill payment {$670.00} On XX/XX/XXXX, we received a credit back to our account in the amount of {$670.00}. 
The record of the mortgage payment credit transaction ( from our on-line banking ) follows : XX/XX/XXXX Credit Return : Online Payment xxxxxxxxxx To FAY SERVICING Misc. credit {$670.00} We also received a secured notice from our bank indicating that the reason for the return is that the payment came back to the bank as Undeliverable. 

We immediately contacted Fay Servicing via email ( attached ) and they sent us an eMail with an updated mailing address. We were out of town for 8 days in the middle of XXXX and received the notice while out of town. Upon return we immediately updated the mailing address with our bank and sent the XXXX payment to the new address. Again we notified Fay of the payment and the update via eMail ( attached ). 

Fay Servicing processed the payment and sent us a " Late Payment '' notice and fee letter on XX/XX/XXXX. We contested this based on : * No notification of the change of address * Immediate notification to Fay Servicing * Perfect pay history I received the name of the person I was told to escalate the issue to at Fay and sent an eMail over 8 days ago. I have called him multiple days, leaving a detailed voice mail with my name, loan numbers, call back #, etc. I have no response from Fay. 

Summary - I have received no response from Fay and do not believe we should be charged a late fee.
Consumer complaint received 2019-11-07
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. (NC)

My husband and I applied for debt consolidation and we were turned down - the bank sent us a copy of the report re our credit rating- my report said in both equifax and XXXX  # 39 Serious Delinquency- yet I have always paid my bills on time there is absolutely no delinquency- When I tried to make them aware of this nothing happened- can you please check into this and please take off of my report Thank you XXXX XXXX
Consumer complaint received 2019-11-07
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: EQUIFAX, INC. (TX)

Equifax erroneously reported a credit card not belonging to me in my name. Equifax reported a 5 figure charge on this same credit card causing my FICO score to drop by 31 points. I reported the error to Equifax and they removed the card from my credit file ; however, they have failed to and refuse to correct the 31 point drop in my FICO score. This error including the FICO point drop was a direct and sole result of Equifax 's mistake. When I called their Consumer Care phone number the rep told me that Equifax no longer works with FICO and that they would not assist me with this issue. He then hung up on me. I faxed a follow up letter directly to Equifax but have not received a response. This needs to be correct. Their mistake is causing me both financial and emotional harm.
Consumer complaint received 2017-07-09
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. (TN)

I 've learned that all of my information with equifax belong to someone other than myself. My drivers license was stolen, social security card & a copy of my birth certificate have been made. To began with my parents are deceased yet their social security numbers are being used by   XXXX   XXXX  . She once lived with my late father, his name is   XXXX   XXXX  . His social security number is  XXXX . He have been deceased since  XXXX . I reported his death to the social security department. He was a veteran. My mother name is   XXXX   XXXX   XXXX  , she have been deceased since  XXXX . My mother social security is   XXXX   it is still active. A seven year fraud have been placed on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  . My youngest child have a   XXXX   XXXX   & he is a substance abuser. His name is   XXXX   XXXX   XXXX  . His social security number is  XXXX , his date of birth is  XX/XX/XXXX . He born in   XXXX   XXXX    at   XXXX   XXXX   hospital. He received social security benefits, all that is not being by someone spelling my name as   XXXX   XXXX   XXXX   &   XXXX   XXXX   they ate stealing hold support benefits from social security. The  XXXX  Family is using   XXXX   XXXX   to steal tax returns & my social security benefits. Wire transfers are being done for IRS to deposit refunds into their account with  XXXX . The   XXXX    belongs to  XXXX . Maker U S Treasury  XXXX .   XXXX   XXXX   XXXX   is - XXXX . A  XXXX  employee changed the last digit on my drivers license number on a check   XXXX   XXXX   sent me.
Consumer complaint received 2021-03-26
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: EQUIFAX, INC. (SC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within

thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland Credit Management has been sending me collection notices for a debt that isn't mine. I have written and asked for validation and copies of all statements. Each time I write they write back and say that they don't understand what I am asking for. It's a delay tactic to cover for the fact that this is an invalid debt.
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

I received a collection notice from ERC dated XX/XX/XXXX, stating that I owe a balance of {$630.00} to XXXX XXXX XXXX XXXX ( XXXX ).

I responded to ERC with a letter on XX/XX/XXXX, stating that I never received any services from XXXX, and that I was disputing this collection notice. I demanded that they send me a copy of any validation or judgement they claim to have regarding this alleged debt.

I received a written response from ERC dated 3XX/XX/XXXX, that provided me with a copy of an invoice from XXXX dated XX/XX/XXXX in the amount of {$290.00}. The invoice showed services provided to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX-XXXX. I have never visited or lived in XXXX IL. I have lived in the state of Nevada continuously since XX/XX/XXXX. This matter appears to be a case of identity theft.

XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX-XXXX ( XXXX ).
Consumer complaint received 2020-08-27
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. (FL)

Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX  XXXX account # XXXX 3.  XXXX XXXX account # XXXX
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I have a 10-year, interest-only loan serviced by Fifth Third Bank ( XXXX XXXX ). It's 7-year fixed rate period has expired and it now enters ( per the Note-attached below ) 3 ; 1-year periods of a new fixed rate. The new rate should be equal to One-Year LIBOR plus 2.25 % rounded to the nearest 1/8 %. The re-set date is 45 days in advance of the-set date ( XXXX XXXX in this case ). The re-set date should have been XXXX XXXX of this year. That was a Sunday so the last day of a current LIBOR rate was Friday, XXXX XXXX. The One-Year LIBOR rate at the close of business that day was 2.05 %. My new rate should be 4.25 % : 2.05 % + 2.25 % = 4.30 % -rounded to the nearest 1/8 % is 4.25 %. They calculated the new rate as 4.375 % ( see rate re-set letter attached ). I believe this is in error and have called the Bank 3 times. They have not called me back and have not shown me their calculation.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

The company identified itself to me as XXXX XXXX XXXX from the number XXXX. They actually contacted my sister in law on her cell phone to message me. When I called the number above they left, a representative, XXXX XXXX, verified my social security number. She offered this number, it was not supplied by me. She claimed to be collecting a debt owned to HSBC Mastercard of {$2000.00} approximately incurred in XXXX of XXXX. When I requested information in writing she became aggressive and said if that was my social that I could not dispute the owed amount and would have to wait for my soupena to court and the charges would increase to {$8000.00} or more. XXXX also indicated that HSBC had closed the account, written off the monies due and deleted the file and would not be able to respond to inquiries regarding my account. 

I contacted them at XXXX re : file # XXXX today XX/XX/XXXX at XXXX. I have never held credit with HSBC or any other Mastercard  bank.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (CO)

I filed a complaint on XX/XX/18. File number XXXX. There response was to retaliate by quadrupling my minimum payment. In addition, they charged me for a second time, a transfer fee, and yet again charged me interest on my account. At what point does, CFBP step in and fine them for this?
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE BANK OF CALIFORNIA, INC. (GA)

I started the refinancing loan process on XX/XX/2020 with Mortgage Bank of California via XXXX XXXX. Today is XX/XX/2020 and the refinance is still not done. During this time due to the poor handling and time management of the refinance, I have turned in every document requested within 24 hrs. Many times within in one hour. Due to the delay, they have constantly pulled my credit report, causing irrevocable damage to my credit score. So far there have been 3 pulls against my credit due to we are now going into the XXXX month of this process. As well, my current mortgage that was in good standing due to the loan had not come to maturity has now matured, again causing major damage to my credit. Items requested by both XXXX XXXX and XXXX XXXX have been unorganized request, duplicate request of items already turned in and not concise at all. To be honest I am very concerned about the banking practices of this institution and really have been destroyed mentally, emotionally and credit wise by this unprofessional process.
Consumer complaint received 2017-10-28
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: Professional Recovery Management (FL)

In XXXX 2010, I MOVED to XXXX. I left the state of XXXX, XXXX XXXX and XXXX XXXX XXXX is collecting on unauthorized electric bill charges to a residential address that the bill was paid in full upon my departure from the state of XXXX. XXXX XXXX is wrongly collecting & reporting & refusing to remove debts and old account information almost seven ( 7 ) years ago and not owed from old creditor files and information