davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

The XXXX  Credit Bureau is reporting public information that is inaccurate. I asked them to verify method of investigation and they have refused to do so. I also asked them to remove derogatory information, address is incorrect. remove accounts that are not mine
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (OH)

I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I paid off my mortgage loan on XXXX XX/XX/2022. I wired {$330000.00} to NewRez. This represents an overpayment based on the debt reported on my credit report of {$320000.00}. I called NewRez and that they stated that a underpayment was received and this delayed settling the loan. They calim to have received roughly {$10000.00} less than I sent. I have now emailed them repeatedly and they do not reply to my requests for information and updates. It is now XXXX XXXX, more than a month later, and the debt still shows on my credit report and I have received no communication from newRez. i have also not received any money that is still owed to me for the payoff of the mortgage I attached a bank statement showing I wired the {$330000.00} to NewRez on XXXX XX/XX/2022 and it specifies the loan number to be paid off and my name
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

The XXXX  Credit Bureau is reporting public information that is inaccurate. I asked them to verify method of investigation and they have refused to do so. I also asked them to remove derogatory information, address is incorrect. remove accounts that are not mine
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (NY)

I keep receiving call  s from this number. They identified themselves as Halsted Financial Services. I refused to give them my personal information because of all the fraud out there and because someone is in possession of all my personal information.
They would not give me any information. I told them   to stop calling and to send me a bill with details and they INSTEAD keep calling and being rude and threatening.
Consumer complaint received 2015-05-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First National Collection Bureau, Inc. (VA)

I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I have reached out to Chexsystems to validate an account that they are reporting. They did not provide me with any validation of the account other than to say that the account was mine. I was not provided a copy of any contract or proof to show why the negative account is being reported.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Good Afternoon, Loan # XXXX My name is XXXX XXXX XXXX and my mortgage company is Ocwen Loan Servicing , LLC . I am in the process of short sale on my property, XXXX XXXX XXXX, XXXX, MD XXXX. My mortgage company scheduled a foreclosure date on XXXX XXXX, 2016, after my documents were forwarded. All literature that was forwarded indicates that there is a thirty day time frame allotted for the short sale process. 
They have a short sale scheduled for XXXX XXXX, 2016 but the documentation deadline was XXXX XXXX, 2016. I faxed my documentation prior to XXXX XXXX, 2016, therefore, the turn around time should be XXXX XXXX, 2016. 
My real estate broker is XXXX XXXX of XXXX XXXX and his contact number is XXXX and my title attorney is XXXX XXXX of XXXX XXXX and her contact number is XXXX. My broker and title agent have been trying move forward on the short sale, however, Ocwen seems more interested in foreclosing on the property. The property is on XXXX and there is an offer on the property but Ocwen is not counter offering, there is no BPO being done, nothing. 
My contact number is XXXX and I appreciate any assistance that you can offer regarding my situation. I know time is of the essence and I have been utilizing all my resources. My hope, counselor ( XXXX XXXX ) suggested that I reach out to you regarding this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

On XX/XX/24 I received an e-mail from Citibank that my current bank account was transitioning to an enhanced account, implying that it was better for me ; in fact, the terms are more onerous and I was notified that the change was going to happen automatically. I asked for a comparison of my current terms versus the new ones, but was notified that they didn't have that information available. This e-mail was purposely misleading and pretended as if this was beneficial to a customer, when this is far from true.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX alerted me that a new account ( XXXX/XXXX   ) was open in my name by LVNV Funding on XX/XX/XXXX. This account was closed on XX/XX/XXXX. I have made regularly monthly payment through XXXX XXXX XXXX XXXX. I have my statements proving that I make timely payments to XXXX XXXX  and they send the payments out according to the payment agreement. LVNV Funding has cause the credit bureau agencies to lower my credit score by 100 pts. This company has been harassing me six times a day Monday - Saturday since XX/XX/XXXX.
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NY)

I had a mortgage with XXXX, they purchased my mortgage from another lender. My taxes were never included in my mortgage. XX/XX/XXXX I fell behind a couple of payments, My mortgage payments were XXXX per month. In XX/XX/XXXX and XX/XX/XXXX I sent double payments to catch up. Citimortgage at this time paid some property taxes on my mortgage. Then they took the payments that I sent them for mortgage payments and applied them to taxes they had paid. They said my mortgage payments were now XXXX because they had paid the taxes and I was four months behind on my mortgage because the XXXX payments were not enough to cover the mortgage. I told them that if they were going to escrow taxes that it had to be a change in contractual items not just because they wanted to. Also that it was fraudulent to take payments sent for mortgage payments and apply the to some thing that was not included in the contractual mortgage. I never stooped making payments. I started sending XXXX to cover the XXXX they were paying on my property taxes. I did this because I did not want to get behind on paying my mortgage and the taxes they were paying. I filed a claim with the attorney generals office of New York state. XXXX then sold my mortgage to BSI Financial Service XX/XX/XXXX who I shared this information with who the started saying that I was four months b ehind on my mortgage also. Now BSI is Stating that I need to pay XXXX a month projected increase in property taxes, even though the value assessed by the city and county has decreased.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had an insurance collections item which was in dispute with the insurance company. I had asked the insurance company to cancel my car insurance as premiums drastically increased after an accident and decided to go with another company. The insurance company informed me I had not gone through the proper channels to cancel and charged me for an extra month. The amount was in dispute and the insurance company sent it to the collections agency while in dispute. Because of the lengthy dispute process I decided to settle with the collections agency. Once the account was settled I requested the collections agency delete it from my report as the amount was in dispute which they agreed to. 

The collections agency informed Transunion to delete the entry. Transunion decided to reflect this as a closed credit account which dropped my credit score by XXXX points since I have credit monitoring I received the alert my score dropped XXXX points due to a closed account. 
I am not aware of any of my credit accounts being closed. Transunion have repeatedly offered me the explanation the closed account is due to a utility bill which also went into collections but has also been settled since XXXX or so. Please note this account shows a zero balance but is also entered ad a derogatory account on my credit report. Transunion want me to believe : They have recorded this account twice on my credit report as both derogatory and closed which count as XXXX separate accounts on my credit report. 
Transunion have also informed me even if the XXXX balance was settled in XXXX it has just had an effect on my credit score in XXXX. 

The credit report I downloaded online on XXXX XXXX and XXXX shows a drop in my credit score after the insurance item as deleted. Transunion have refused to follow up with the collections company to ensure they have recorded this entry properly. The credit union has also reached out to Transunion to advice it is not a closed credit account but the entry should be deleted completely from my account. This has been going on for almost a month now with numerous calls and emails to Transunion. 

I do not have a closed account which has resulted in my score dropping XXXX points. I do have XXXX derogatory account which is XXXX XXXX. I have reached my wits end and would appreciate if you can assist in getting this issue resolved.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OCEANFIRST FINANCIAL CORP. (NJ)

Ocean First Bank in XXXX, New Jersey, repeatedly gave out my account balance to a number of people who deposited into my account. The account balance was given to these people without my consent, and provided on the deposit receipt, without verifying that the depositor was the account owner. I feel this is a violation of my Financial Privacy. When I made a complaint to the bank, requesting that they respect my financial privacy and not give out my account balance to people who do not own the account, they closed my account without explanation. I then spoke to the Vice President of Banking at the branch, and was not offered a resolution, simply told that they were closing my account without providing a reason why. The account closure happened not long after the complaint about the account balances being released by their staff, so I expect the two are related.
Consumer complaint received 2023-03-19
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: Eastern Account Systems of Connecticut, Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  account XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TRANSUNION REFUSESE TO REMOVE STUDENT LOANS, NAVIENT # XXXX. XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX. FROM THE ADVERSE ACCOUNTS SECTION AND PLACING THEM IN SATISFACTORY ACCOUNTS AS REQUESTED IN MY DISPUTE. THESE ACCOUNTS ARE OVER SEVEN YEARS OLD. TRANSUNION INDICATES ON THE REPORT THAT ADVERSE INFORMATION TYPICALLY STAYS ON THE REPORT FOR SEVEN YEARS. TRANSUNION HAS ALSO REFUSED TO REMOVE A XXXX XXXX ACCOUNT # XXXX AND A XXXX ACCOUNT # XXXX. THEY WERE INCLUDED IN A CHAPTER XXXX BANKRUPTCEY DISCHARGGE. OTHER ACCOUNTS THAT WERE INCLUDED IN THE CHAPTER XXXX WERE REMOVED.
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (VA)

I had an account with XXXX at XXXX address. When I moved to another address I learned that comcast was not available for that address which forced me to incur a early termination fee of {$160.00}. After to trips to a XXXX and call with customer service I was assured the {$160.00} would be credited. Now I have received a collection notice from XXXX. I do not know what to do at this time. They have threatened to add this to my credit report if not paid. I also have a {$60.00} charge from XXXX that was paid back in 2014 but not applied to my account and I 'm being ahrrased tp pay that amount too.
Consumer complaint received 2023-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgence Legal Group, PC (IL)

Resurgence Legal Group had filed a law suit against me back in XXXX i wan na say for old credit card i had back in year XXXXOk the files a court order to collect on that old XXXX  card which was i wan na say close to XXXX. Well they did won because i because i did not go to the hearing. In year XXXX i had resign from my job so then they try to collect from my bank account which they only got XXXX dollars out of it. They been trying to collect from that credit. Well in year XXXX again sue me for XXXX and they won so i just let them collect. They been a pain in XXXX  XXXX for awhile. Ok i am almost done from paying this credit off which the credit was now a little bit over XXXX which the court costs and everything. Now i get a letter from then stating that they went to court which i thought it was paper to lift the garnishment. No now they are trying to charge me interest on the debt which is the amount of XXXX. My friends told me that can not do that and i read on this too and they are right this company can not do that on old debt. I know they just trying to get more money out of me and that is why i need to know when i can do because i did call and they were rude and told me that was interest on the debt. Can you help me please.
Consumer complaint received 2022-02-08
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. (PA)

I am distressed after obtaining my credit report and acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Section 623 ( a ) ( 1 ) ( A ) of the FCRA - requires that a furnisher shall not furnish any information relating to a consumer to any XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors even when the information doesnt reflect what's in their system. I hope that doesn't speak of your character. 

It is also my understanding that under the FCRA 15 U.S.C. 1681i, Every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely DELETED!!
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC. (NC)

My XXXX XXXX credit card along with other cards were stolen. Identity theft was proven by law enforcement in 2016. Midland Credit is still trying to collect and reported it to credit bureaus. XXXX  deleted it from my file as identity theft correctly. I have disputed this with all three bureaus and legal documentation was filed in 2016. XXXX  refuses to acknowledge this felony as not my debt. This is a felony in the state of NC. This is damaging to my well being and financially, these same felons got {$9300.00} from my bank account and tried cashing e-checks with my deceased husbands signature. I am a victim of identity theft and XXXX  refuses to acknowledge any of the legal documentation. XXXX  did this correctly. Why cant XXXX!!! XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX. They even have several erroneous addresses. Example : Arizona. I have never even been to Arizona!
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Back in XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I applied to Navient via their School Misconduct Discharge and they said No. The facts are that the Department of Education is cancelling my federal student loans from XXXX XXXX  XXXX XXXX XXXX due to findings of school misconduct so my private loans should be cancelled too. 


Loan 1 Info : XXXX {$25000.00} Loan 2 Info : Co Signer to be released as well : XXXX XXXX XXXX {$22000.00}