davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

During XXXX we had income loss, illness along with I have had several health issues since. We got a modification and were approved/ made one payment with north pointe. Then our loan sold. In the process it has sold 4 times and each time told dont make a payment we will fix this. Now over a year later since my loan originally sold and still cant make payments, loan amount changed, interest rate went up, no honor to our original payment plan and now our recent papers were denied and no one is calling us and I have to call each time. I have two years of paper trials and emails and still nothing. We are now with right path and again told today we cant make a payment. Our situation has been escalated over a dozen times and nothing. I feel I am being defrauded out of my home and its original value. We are currently being told we ok XXXX every time we call in and again nothing is done in our favor even with requests in, paper trials submitted and again nothing. I feel we need a lawyer and all legal support we can be provided as a mortgage owner with rights.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have submitted disputes to Equifax 5 times now advising them of the credit inquiries on my credit report that were never authorized by me. Equifax is violating FCRA laws by ignoring my dispute request. Equifax is required to research and verify the information it is reporting to confirm its accuracy. Its been over the alloted 30 days and Equifax continues to ignore my dispute. I have attached my most recent dispute letter to Equifax.
Consumer complaint received 2020-06-01
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. (CA)

I applied for an auto loan with XXXX XXXX today XX/XX/20 and unfortunately, I was not approved because there are two accounts negatively impacting my credit. The accounts are from a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened any an account with either of those companies nor did I ever give them permission to run or access my credit information. I did not allow anyone to open accounts with these companies in my name and I have already reported these accounts to the police. I did not benefit anything from these accounts being opened in my name without my permission and I did not contribute to any payments made towards these accounts.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

In XX/XX/XXXX I was sue by Midland Credit Management for a credit card. The judgement was ruled in their favor, I contacted the company after I received my documentation from the judge to set up payments at what I could afford. The phone calls started XX/XX/XXXX - was informed they did not have the paperwork from the judge and to call back in two weeks. I attempted these phone calls again on XX/XX/XXXX and XX/XX/XXXX and was still told the same thing. I informed them that I would be going on maternity leave and would call back in XXXX to set the payments up. On XX/XX/XXXX, I called Midland and learned they were charging me a 6 % interest that I was not aware of by anyone or have any type of documentations stating that I would be charged this interest. Contacted the judges office in which they stated the amount on my paperwork from them is what I am to pay back. I went back and fourth with this company from XX/XX/XXXX to XX/XX/XXXX in regards to the interest. They refused to allow me to speak to their legal time, told me I could e-mail them. I e-mail the address they provided and got an e-mail back this e-mail stated that I can not e-mail them because I am not apart of their approved group. I called Midland again on XX/XX/XXXX to inform them of this e-mail and kept going back and fourth, spoke to manager by the name of XXXX XXXX to which she would not listen to anything I had to tell her, but said she would contact the legal department. On XX/XX/XXXX I spoke to XXXX again and she stated they are putting my account at the judgement amount. I told her I would like to set up payments that I can afford. She told me their polices were that I first would have to pay a down payment of 50 % and then they will do monthly payments. I first told her I wanted documentation stating that I was required to pay this, she said they did not have any. I told her I could not afford this and told her what I could afford with the possibility of paying more BUT I did not want to commit to a higher amount. She refused the amount I told her I could afford and kept telling me their policies and requirements are a down payment first. When I asked several times to see these policies and requirements, she just told me it is all internal and I said then how do I know you are even telling me the truth. I asked several times for paperwork and she refused to show me any of time of policies or requirements or even tell me where I could go to online. When I told her that I would just mail in what I can afford monthly, she informed me that they will post the amount towards my account but will probably sue me again for the judgement amount because they do not have an agreement for because she refused what I could afford at this time. I asked to speak to someone higher up then her and she said her Boss was not available and I could call back later to speak to him/her and then hung up on me.
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

XXXX XXXX Spoke to XXXX XXXX . I submitted the dispute and request to validate debt of {$100.00} for medical bill ( son- XXXX XXXX ). Collection letter dated XX/XX/XXXX. 

XXXX XXXX I received a letter dated XX/XX/XXXX from Collection Co . I received a copy of an invoice for the bill. Although the Medical office biller confirmed there is no balance owed. Although letter is dated XX/XX/XXXX, received the letter in the mail on XX/XX/XXXX. 

XXXX XXXX Spoke to XXXX XXXX XXXX Advised them I didn't receive the letter until XX/XX/XXXX, which was more than 30 days of my dispute. She advised that the collection account was already reported to the bureaus. Then my call was answered by XXXX (? ). He would not confirm any details of the account or about what was being reported to the credit agencies. In a threatening tone would not assist to resolve ; demanded payment, then hung up on me.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I received a Motion for Writ of Possession dated XX/XX/XXXX show a certificate of service in mail and I have reached out to the mortgage company several times and we was in the process of modifying the loan. I am a victim of Predator Lending. The deed of Trust identified Lender as America 's Wholesale Lender and Stated that XXXX '' ) was acting solely as a nominee for Lender and Lender 's Successors and assigns '' and was ". I was giving an " Adjustable Rate Rider '' ranging from 8.5 % XXXX 2 years, 10 % interest payment XXXX XXXX ), 11.50 % ( payment XXXX ) and 12.875 % ( from payment XXXX to the end of the loan ). In XX/XX/XXXX I purchase a home with a mortgage loan XXXX {$370000.00} and XXXX {$90000.00} mortgage with the same company. 

I am not sure what happened where I stand right now my children are going to be homeless to the fact that your company refused to modified my loan. Worst thing that when I thought they were in the process of modifying my loan instead they decided to foreclosed and sold my home without notifying me the process. I believe my note is an Unendorsed Note by XXXX. My loan documentations is an open book XXXX XXXX XXXX XXXX XXXX. 
Green tree and Bank XXXX when i asked to speak to someone regarding because of my language barrier i get the run around. I went to the court they informed me that they have a court date on XX/XX/XXXX @ XXXX. And they stated that your home was sold since XXXX we do not have to contact you or serve you. If you received the Writ that means you was notified. I received the Writ thru regular mail dated XX/XX/XXXX
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check by phone ( mobile banking ) into my Bank of America checking account on XX/XX/XXXX. Only {$200.00} of the deposit is available. The check I deposited comes from a XXXX business checking account and cleared XXXX the same day, XX/XX/XXXX. However, Bank of America has a hold on the remaining balance until XX/XX/XXXX. As a result I had a transaction returned and I incurred a non sufficient funds fee for the returned item. I called Bank of America customer service and was told that they could not do anything about the situation and that the rest of the funds would be available on XX/XX/XXXX. I will probably have more transactions returned and I will incur additional non-sufficient funds fee. I have deposited checks from this same XXXX business account multiple times, at a ATM and mobile banking, and never had a problem.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (VA)

Please read attached file it Has the complaint details along with clear and convincing evidence this collection should never exist knowing the facts stated in details in the attached file. 

Threatening and suggesting negative consequences on my credit report sustain. This company didnt do what it said it will. Playing those tactics of vague replying not answering the real question this complaint asks all the violators of rights to answer. Why this collection if its works on behalf on XXXX or why not XXXX used the auto payment which is valid to get paid for what it alleges that I owe? If anything legitimate or if its charges are legitimate, what prevents XXXX from debiting my credit account that it did regularly and I never stopped XXXX? Showing off all those paper? I have documents I could use to sue thus collection and XXXX both and I reserve right to do so any time without prior notice and without waiving my rights .so checking my credit today using my XXXX basic credit monitoring service and I saw this Sprints collection from source Receivables Management ( SRM ) ( correction on the exact name of the current collection is Source Receivable management ) still on my credit file or report .another important thing. I never claimed fraud to anyone in regard to this matter. XXXX created that by itself and it will assume responsibility for saying something I didnt state .you need to comply to law after u showed you all the proofs that XXXX is not serious about getting paid and they broke their policy of auto payment and I have copy of that policy. They need to have a life and let me on peace before they receive a legal summon from a U.S Marshall and then it would be late to settle because you will all pay big legal price. Please dont say something I didnt say in my complaint. Your interim response before is rejected at its entirely and stop threatening and harassing me. those desperate tactics from all the violators to cause me more harms than theyve done already, It is noted and it will be used in a court of law if necessary. 
All stated herein is to my current state of knowledge belief and understanding and it is subject to anything or any correction by me only at any time without prior notice and without waiving my rights. Please refer to the attached file for more factual information with proofs attached within the file. Does XXXX or SRM have any court order to abuse my rights?
Consumer complaint received 2021-02-27
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-02-27
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. (GA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On my XXXX XXXX and XXXX credit report it is showing that Credit Acceptance Corporation is knowing and willfully reporting false, inaccurate. 
and misleading information on my credit reports. On my reports it is showing that a loan was given, when there was no loan given as the transaction was a retail installment sales contract. 

Pursuant to 15 USC 1611 states : Whoever willfully and knowingly- ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter, or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consolidated Recovery Group, LLC (FL)

I have asked this company to stop emailing me to just mail me validation on this debt simply a contract between me and the creditor my signature stating I owe this debt along with any other proof that leads me to this debt collector I have never heard of and I simply just get emails back stating here 's your validation with no contract or anything I have emails I can forward to this claim I have emails in which I have asked a few time to stop emailing me and him continuous to email me I have tried to block this debit collector and it has not worked I'm still getting emails I'm feeling very flustered
Consumer complaint received 2020-07-14
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. (CT)

Transunion has re-added the XXXX XXXX partial account number XXXX back to my credit report as well as brought the date of last activity forward. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) This is a violation of the Fair Credit Reporting Act to re-add an account in duplicate and to falsely bring the date of last activity forward. I have contacted XXXX XXXX as well as Transunion to remove this from my credit report however, I have not been successful.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/2024 XX/XX/2024. 
The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT provided this company any writing permission. to furnish any of this information.
Consumer complaint received 2019-05-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CA)

In early XXXX of this year I was going through some really bad financial hardships and was also in the process of moving, and have been missing payments on my 4 Direct Sub Stafford student loans all the way until now. 

I have just recently gotten back on my feet and hold an XXXX job, but I have not gotten settled in my current living situation so I have not been able to repay the payments that are past due. At this current rate, I will not be able to pay on time because of the past due balance for at least another couple months.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX  is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.