davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Onity Group Inc. (CA)

We had a first and second mortgage with GMAC and in XXXX we negotiated a loan modification on both loans. We were making payments on both loans at the time. 
In XX/XX/XXXX our first was moved to OCWEN Loan Servicing, LLC, which appeared to be in advance of GMAC closing. In XX/XX/XXXX we requested and received a second loan modification on our 1st mortgage through OCWEN. 
During this time, ( between XXXX and XXXX ) we stopped receiving statements concerning our second mortgage, we called GMAC and we were told our 2nd mortgage was written off by a GMAC representative over the phone? 
We continued making payment on our first, but were unable to locate or pay someone for our second so we assumed that this write-off was part of the XXXX loan modification. Since then our first has moved to XXXX XXXX and now XXXX XXXX, XXXX. 

We assumed that the write-off was true because the 2nd is currently not on my credit report, although the transfer of our first mortgage to OCWEN to XXXX to XXXX are all listed back to XXXX? We now understand a mistake was made by GMAC or us but being charged interest and penalties ( late fees ) for a loan that was not being serviced is unfair. 

We were surprised when several years later ( late in XXXX XXXX a company named XXXX XXXX, XXXX called about the 2nd mortgage and told them that GMAC told us that it had been written off and they stopped calling? 

Now - 2nd Chance Mortgage trying to collect on this old debt, sent one request to bring this debt current in XX/XX/XXXX and we responded in XX/XX/XXXX that we were under the impression that this loan was written off several years ago and their subsequent response in XXXX was " no '', and with that answer we received a notice of foreclosure within a few days. I hired an attorney to attempt to negotiate a remedy and they refused any offer to compromise on this debt. It appears 2nd Chance Mortgage uses this foreclosure technique to scare people to collect on these old debts and also collect on what they call accrued interest and penalties which they have not earned? It appears that 2nd Chance Mortgage has been lying in wait until property values improved and now are holding people like us hostage.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Gurstel Law Firm, P.C. (IA)

XXXX XXXX XXXX and Gurstel Chargo Law firm and XXXX XXXX XXXX  have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XXXX of XXXX they began more legal action to get the judgment amount. The wage garnishment started XXXX of XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up XXXX its up to {$6200.00} XXXX currently because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost XXXX. These garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Money on hold for 180 days per paypal. 
The account email is XXXX and the Account name and holder is XXXX XXXX XXXX which is also me, the phone number registed to the account is mine, the email registered to the account is also mine, the money was donated through XXXX as a donation to an account named XXXX, which can also be tracked. Just give me my money, I don't understand.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Made a purchase from Amazon using my Amazon credit card XXXX for XXXX. Merchandise was defective, returned the purchase however refund was put on gift cards. Amazon refuses to correct refund method, also has forced additional purchases to be taken from gift card without my authorization.
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (AZ)

I submitted a request to have this card removed from my credit report as I do not hold this card. I was a authorized user and not the account holder. I have no financial obligation to the card and want it off my credit immediately per the Fair Credit Reporting Act guidelines ( FCRA ).
Consumer complaint received 2020-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

XXXX XXXX could not obtain my credit score from equifax and alerted us to contact them on XX/XX/XXXX. I called equifax spent about 2 hours with them on the phone and submitted documents by mail because they would not accept them any other way. 
Reached back out to equifax on XXXX and spoke to XXXX. Could not get any information about whether or not my letter had reached them and could not get them to release any of my information to me. 
Called again on XXXX and had the same experience as on XXXX. Spent approximately 2 hours on the phone with XXXX. I provided her with my information over the phone but she still would not release my credit score or give me any information to help them other than to resend the documents. Was told my original letter had still not arrived and I decided to mail another copy. 
Called again on XX/XX/XXXX. At this point we were in danger of losing our refinance with XXXX because equifax would still not release my information. Spoke to XXXX and XXXX and was told that they still had not received my letter. Was on the phone for at least 2 hours. Was told that they had not received either letter I had sent and would not accept my info any other way. 
Called again on XX/XX/XXXX and spoke with XXXX, XXXX, XXXX  XXXX. Was told that I could expect a copy of my credit report but they would not release info to me over the phone and would not set up an account for me online to view. Neither copy has arrived according to them. XXXX cancelled our refinance opportunity. 

Could someone please help me. I feel like I have run out of options in communicating directly with equifax and need a 3rd party to mediate. As it has now been 30+ days since my initial contact with them I feel like this is justified. 

This is the address I was provided to send my documents : Equifax Info Services LLC Attention Equifax dispute dept XXXX XXXX XXXX XXXX, GA. XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I filed a dispute that was sent over to them and they responded back that they wouldn't remove these two innacurate items from my report due to them being legit when they are not.Then Ive called 3 different numbers I was given for them and they have not been reachable even after I left two messages.
Consumer complaint received 2022-04-06
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2019-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: INVESTORS BANK (NJ)

I have opened a Business Checking account with Bank ( Investor 's Bank ) of XXXX XXXX NJ about a year and a half ago. I chose this bank because the business account carried no monthly fee. 

In XXXX of 2019 I was called by the bank representative and told that they are changing account terms and that starting XXXX my account will be charged monthly. I advised the representative that I do not authorize a charge and to close my account immediately. I was out of state and unable to physically come to the branch. At the time the account only had XXXX cents in it. The representative said I need to come to the bank to pick up the balance. At the end of XXXX I was in a major car accident and was also moving and unable to come to the bank. 

In XXXX I checked back on the online banking service and did not see my account was unable to view anything or have any access so I assumed my account was closed. 

In XXXX I have received a letter that my account has a negative balance of XXXX. I was very confused by this and attempted to call the bank but it was after hours. On Monday XXXX, XXXX I physically visited the XXXX XXXX branch and explained the situation. The representative called the XXXX XXXX Location and said that they can not waive the charge and that XXXX XXXX is unwilling to waive the charge and will not close my account until the balance is paid. 

I told the representative that when I signed for the account it was a free service. I have never received any paperwork stating there will now be a charge and I never signed anything authorizing a charge. The company can not illegally charge fees that were not previously agreed upon and steal money from their customers. I was told there is nothing they can do for me.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I have a collection account from JEFFERSON CAPITAL SY on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FirstPoint Collection Resources (LA)

All I know it appeared on my credit report as a collection. I was breached in Louisiana. The Breach was XXXX, XXXX and Louisiana Dmv. All my information was taken and used. My information was to create accounts. They have my driver 's license and social security number and my addresses. I have been told they was opening up accounts online and requested personal information in which they have. Especially bank accounts, Loans, I now have life lock. I was also reported to XXXX for something that has nothing to do with me. I'm accused in the so-called information that it was me because they have my information. They have XXXX in which it was my bank. My money was taken out it was XXXX dollars in bits and pieces. I don't know who did it. All together I had XXXX taken from me. So I know about the identity theft that had been going on. These accounts are part of identity I'm talking about. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which they closed my account. My direct deposit was being taken. I went there like always it was said it was me doing. I was told at XXXX in XXXX La. I had the same information as someone else. I'm like can I get the information. Because I just cashed a check there. I didn't. They couldn't provide the information. I had my birth certificate and social at the time on me. That what got me not being arrested that day. The clerk also said we look alike I'm shorter and thicker. I don't know. Apartments also. I see so many addresses that not mine. Cell phone companies like XXXX. Cable companies XXXX. It's not mine They also have a lot of inquiries that is on my report. Only inquiry should be there is XXXX XXXX Its a loan company.
Consumer complaint received 2022-04-06
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2017-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, 2017 UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2020-11-27
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: EQUIFAX, INC. (FL)

This is my second complaint to CFPB in regards to XXXX  and Equifax Not removing debts on my credit report that are not mine and can not be validated to be so. I am fully aware of the credit bureaus automated dispute computer system where they do not actually validate the debt with a live person rather just update the information if it falls into the algorithms verified pre set parameters. So once again I am seeking CFPB to protect me as a consumer from this type of predatory behavior from XXXX  and Equifax. 

I once again demand for the accounts from said company below be removed since XXXX  and Equifax can not provide adequate proof such as original application for the debt. Section 611 ( a ) states that any failure to investigate the incorrect items within 30 days the items must be removed its been will over 30 days and multiple letter sent to the two bureaus. Since neither XXXX  or Equifax can provide real proof document of ownership of debt they must be deleted immediately or be subject to litigation. 

Note I have attached previous sent letters to both companies. 
I also sent this same complaint letter to the attorney general to help with this unlawful situation.
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lafayette, Ayers & Whitlock, PLC (VA)

XXXX XXXX is who the debt is with. I have been dealing with them for a year and been in contact with XXXX XXXX from them. There weee issues with the account from day one because I signed up with XXXX XXXX and was not notified of XXXX until XXXX contacted me of making a payment to them. So once I worked out everything I had been making payments and been in contact with XXXX XXXX continuously. I was furloughed in XXXX and I let XXXX know in XXXX she did a deferred payment to be due XX/XX/XXXX. Luckily I returned to work and made the payment processed on XX/XX/XXXX. Yesterday XX/XX/XXXX I received a Civil Lawsuit from them owing more then the balance and now have about XXXX extra in fees. I was not notified of being sent to collections by them. XXXX never mentioned it at all until yesterday and was told them to contact them but my account is in good standing and she will let them know. This is complete chaios. Im not sure what I can do at this point or what to do.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NC)

I am transferwise user and I had large amount on money in my account. on XXXX XXXX my account was hacked then I told to wise immediately. transferwise answered me that they have closed my account to safe my balance in wise account they also said that my money is safe and secure. 

they advised me to create new wise account and get in touch for refund of balance I did that but after some time they also deactivated my other account. 

so i need my refund from transferwise
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc. (FL)

account paid off on XX/XX/2019. After reaching out to First Federal Credit Control, they assured that they took necessary steps to remove the account and suggested I dispute it with the bureau. After disputing the collection with the credit bureau, the results stated that the information was confirmed by the creditor to be accurately reporting. I reached out again to the creditor who advised it may take up to six months for the reported information to change, which I know to be inaccurate.
Consumer complaint received 2023-02-06
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. (GA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my account it has been over 30 days. Those consumer reporting agencies are in notation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days or less to investigate and send me the results. 
And they also didn't even record the current status of the disputed information which is another violation I have all the evidence attached below - Pictures of credit report -Receipts of certified mail
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (MT)

Received a credit card letter from XXXX Ohio Comenity bank requesting information on credit card. I called and informed them I hav enot opened anything up. XXXX XXXX XXXX. I live in XXXX, Montana. The customer support did nothing. I recalled was informed they did not have me in their system. When I asked why I received a letter with credit card information on it, they denied it. I am worried some one opened up a credit card and I am going to be in trouble for it. The customer service person said they could not find me.