davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-09-05
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. (FL)

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. 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 and pursue legal action. 

XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-28
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: OneMain Finance Corporation (CA)

This is a complaint against one main financial and XXXX XXXX. This is regarding onemain financial pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from one main financial ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX saying that I have a new inquiry. I checked my credit report and I noticed that one main financial pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of one main financial from XXXX, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how one main financial accessed my credit information.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (GA)

PROFESSIONAL ACCOUNT MANAGEMENT , LLC communicated with me via XXXX in regards to an alleged debt on XX/XX/2022. I wrote a letter demanding validation of this alleged debt as I have no record of consenting to be communicated by PROFESSIONAL ACCOUNT MANAGEMENT , LLC nor am I legally obligated to pay any and all alleged debt to them as I have no contract with PROFESSIONAL ACCOUNT MANAGEMENT , LLC. I also attached a cease and desist and bill of particulars with the beforementioned letter. All documents were sent off XX/XX/2022 certified mail with a green return receipt and received on XX/XX/2022 by registered agent and XX/XX/2022 by agent at principal address. The green receipt has not been returned back to me yet but I have a proof of delivery via certified tracking # XXXX XXXX XXXX XXXX XXXX. PROFESSIONAL ACCOUNT MANAGEMENT , LLC was given XXXX  days upon receipt to provide proof for me to see that validates their alleged claim. PROFESSIONAL ACCOUNT MANAGEMENT , LLC. has failed to do so resulting in this matter being settled and must pay {$4000.00} in XXXX Funds by check payable to XXXX XXXX XXXX XXXX and sent to my place of abode on file for this alleged account for false claim and violations of the XXXX that include deceptive, false and misleading practices.
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HOME MORTGAGE CORPORATION (MD)

First Home Mortgage transferred the servicing of my mortgage to XXXX Bank. This has created two problems : ( 1 ) First Home Mortgage never informed me about this transfer before my payment is due, and ( 2 ) XXXX Bank says I owe more for my mortgage than the documents that I signed with First Home Mortgage.
Consumer complaint received 2017-03-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern, We are currently trying to have a subordinate lien removed from the title on our home. 
It was placed there back in XX/XX/XXXX. 
We had fallen behind on our mortgage when my husband lost his job. 
We were told that it was just being added to the backend of our loan and only became aware of the lien last year when we tried to refinance. We later got on track and about or around XX/XX/XXXX our loan was purchased by Bank of America. 
We had been struggling to make ends meet and inquired about doing a modification on our loan with them. 
They said the only way to do that was to stop making our payments. 
So reluctantly on their advice we did. 
We were told we would receive documents to start the modification process soon. 
We waited and called to follow up weekly. 
We were told to be patient that there were a lot of loans being modified and they were on overload. 
Several months in we became scared of going into foreclosure. 
Still no modification paper work. 
At this time we got help from family to get caught up and called BofA to cancel the modification. 
Again we were told we would receive paperwork and never received anything. We later discovered that in XX/XX/XXXX BofA did a forgiveness for all the people that had fallen behind due to their failure of completing those modifications. 
We believe we should have been part of that forgiveness. 
We have pursued this with them multiple times. 
They said the reason we were n't included is because we were n't behind on our loan at the time they did the forgiveness. 
We feel that it is completely unjust that they are penalizing us because we tried to do the right thing! 
They promised us the modification that never happened! 
We have been in our home for 20 plus years and have no intention of selling! 
We feel that BofA should have included us in this forgiveness and had the subordinate lien lifted from our home. 
They said a company named XXXX had to lift it. 
In contacting XXXX they said BofA had to do that. 
So it 's been a ping pong game for the last year! 
We feel completely mislead by BofA and strongly feel that they need to rectify this situation. 
Our loan was with them at the time they did the forgiveness and we were completely cheated out of that opportunity to start with a clean slate. 
We have been wanting to refinance to try to consolidate and possibly lower our monthly payment. This subordinate is holding us back and we need help!!! Please whatever you can do to lead us in the right direction would be greatly appreciated!!! 
I have done a lot of research and it seems that we are not alone in being mislead by BofA. Please help us to right this wrong!!
Consumer complaint received 2015-10-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America ... .AGAIN In XX/XX/XXXX they told me that they did n't receive my XX/XX/XXXX mortgage payment .... even though I had Proof that they cashed my check.They had me send in my bank statements to Prove I had paid them. Then the customer service rep said she could n't see the balance in my bank account so they could n't honor the payment until there was proof. After going back and forth with them and contacting a few Federal agencies. they FOUND my payment. they applied it to another account that was n't mine. Then they write me a letter in XX/XX/XXXX telling me not to pay for XX/XX/XXXX because they SOLD my loan to another servicer then around XXXX XXXX I receive a letter of them telling me they did NOT sell my load and to pay them. My new payment was suppose to be around XXXX a month because I got a lower insurance company. So I sent a check for {$2200.00}, then I just get another letter from them telling me Im LATE for my XX/XX/XXXX payment and I own another {$180.00} and I have UNAPPLIED Funds. I need a Federal agency to do a full investigation into them and their treatment of my loan servicing.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (MI)

In XXXX of 2021 XXXX froze my account and every since I been trying to get it fixed they don't return any calls all my calls other then the 1 time and they said it's because they don't know why people are depositing money to me, my calls to them go right to a voice mail box and I've gotten no letters from them no response other then on XXXX and then it's we will contact you but they don't my soon to be wife has been supporting us and personally know the people and the money that was being deposited was not stolen and the owners of those accounts know they are depositing to me because I was helping them and providing a service, all winter long I've been broke, I can't pay any bills, I can't buy food, I'm basically homeless I've refused to leave where I'm at to try keep myself alive but I'm pushed to the point I'm planning on XXXX XXXX  if this don't get solved I won't live on the streets of Michigan because of them. 
The attached file is my girlfriends words she knows these people
Consumer complaint received 2017-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NM)

I was with XXXX. I received paperwork claiming my payments were being applied towards my student loan forgiveness. I have documents showing I have seven years of credit towards the loan forgiveness. Then I was told I had been moved to my XXXX. My XXXX says navient had me in the wrong payment plan and now those seven years do n't count towards the 10 years of payments I have to make to get my public loan forgiveness. This will cost me roughly XXXX in additional payments. 
XXXX also handled my loan consolidation after I graduated. They insisted I had to consolidate into XXXX loans not XXXX. Now XXXX, also a Sallie Mae division, says it should have been XXXX but it 's too late now to fix it. That error will cost me another roughly {$6500.00} in interest.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

Due to a change in circumstances, my house was in default and I received funds from the Obama save the dream program ( Ohio XXXX ). I was given {$15000.00} and it was supposed to be applied to bring my payments current. My mortgage company, XXXX XXXX or its assignee, did not apply this money properly to my mortgage account. They have been unable to give a proper and complete payment history. My home has been in foreclosure court XXXX different times due to this in XXXX, XXXX, XXXX. The cases in XXXX and XXXX were dismissed by the bank because they could not produce the evidence needed to support the payment history. 
In XXXX, was dismissed with, the magistrate advised the mortgage company to get the payment history corrected. My atty and I have repeatedly asked for the funds to be applied correctly with correct payment and payment history amounts. This has not been done. 
Court : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXX : Case # XXXX Filed XXXX XXXX, XXXXWhat we would like to see happen ; that would be in favor of all involved ; would be a correct payment history, reversed interest and late fees for the period of time I did n't have the corrected payment history, then modify the loan to allow me to make regular and reasonable monthly payments.
Consumer complaint received 2017-02-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

I was renting an apartment at XXXX in XXXX, FL XX/XX/XXXX-XX/XX/XXXX. Upon leaving I verified with previous owner XXXX that the account was paid in full. 
In XX/XX/XXXX the complex was sold by previous owners XXXX and XXXX ( Last names unknown. ) New owners know nothing about this. 

Now, XXXX years later, Ideal collection agency is posting negative information. 

I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX and it was sold thus they have no information. Ideal refuses to provide contact information for previous owners. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was XXXX years ago I no longer have receipts or any such thing. 

My lady and I are XXXX and this is very stressful. We need this removed.
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Asset Recovery Solutions, LLC (NY)

On XXXX XXXX, 2015, I received a letter from Asset Recovery Solutions , LLC, ID # XXXX, XXXX license # XXXX, The letter was dated XXXX XXXX, 2015, The company owned meter stamp on the envelop was dated XXXX XXXX, 2015. I moved XXXX XXXX 2015. I filed a moving notice with the XXXX XXXX the last week in XXXX. 

This, letter as stated above, arrived at my new address on XXXX XXXX, 2015 with an official yellow forwarding label placed by the XXXX XXXX dated XXXX XXXX, 2015. This letter was NOT mailed to me on XXXX XXXX, 2015, but rather sometime in XXXX with a date placed by this preditor company of XXXX XXXX. The company owned meter stamp was altered to reflect a date of XXXX XXXX, 2015. 

This company will stop all proceedings against me at once. 
any manner.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXXBalance : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX/XXXX  XXXX Balance : {$3800.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX  XXXX XXXXBalance XXXX {$3500.00} XXXX  XXXXBalance : {$140.00} XXXX  XXXXBalance : {$210.00} XXXX  XXXXBalance : {$210.00} XXXX  XXXXBalance : {$210.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX  ) XXXXBalance : {$1400.00}
Consumer complaint received 2016-09-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Regarding case # XXXX, how much time does Ocwen need to make a copy of the filing they have been claiming 'for months ' that they filed with the county? 
The question regarding as far as to why has their 'collection department ' being the one handling this loan when the loan was never on collection should also be an easy answer they should readily provide Why does the investor on whose behalf Ocwen was servicing the loan, wants to keep the note. I think that in this case CFPB should intervene and question the issue.
Consumer complaint received 2015-04-16
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Gurstel Law Firm, P.C. (IA)

I had stopped paying my credit cards because we were close to losing our home. We were given a loan modification and I contacted the company Gurstel Chargo in XXXX XXXX XXXX I and XXXX bank file # XXXX. I explained that I am paying XXXX mortgages right now and can afford {$50.00} a month until we have more money available to pay this was on XXXX. I spoke to XXXX XXXX. He was very rude. He asked me for my work phone number. i told him was not supplying my work phone number he said do n't interupt me when I am speaking was very harsh. I ended the call after saying I am going now. I sent a few emails to the company with my budget telling them I can afford {$50.00} a month just trying to pay my debt. I was served with no further communication from them on XXXX. When you are down on your luck with XXXX kids and try to make things right and call in treated very rudely and then served on top of it. I just want to pay my debt paying as much as I can afford at this time without being harrased. It shouldnt be that hard to communicate with a company to try to pay your debt especially when you make the call to them wanting to work it out.
Consumer complaint received 2017-05-23
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: Select Financial Services, Inc. (CA)

I requested from "  XXXX   XXXX  '' numerous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  XXXX   XXXX  purposely abandon their policy. On  XX/X/2016    at  XXXX   XXXX  fo r 20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with  XXXX   XXXX  she was baffled and in shocked as to why I was not issued an reinstatement letter. She reordered the reinstatement letter  ( this m akes my fourth request ) which was cancelled for a second time.   XXXX   also confirmed the following  : 1.  On  XXXX   XXXX  I ordered a pa yoff 2.  On  XXXX   XXXX ,  2016 I re quested a reinstatement stateme nt 3.  On  XXXX   XXXX ,    2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.   4. On  XXXX   XXXX ,    2016 I p aid  XXXX  as of  XXXX   XXXX ,  2016 a  partial payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.0 0} 5.  On  XXXX   XXXX  , 2016 I s poke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX     2016 a nd  XXXX     2016.     XXXX   XXXX  claim I owed over {$6000.00} in fees that carried over from  XX/XX/XXXX   XXXX   XXXX . Untrue.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX     2016.
Consumer complaint received 2015-12-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IL)

I entered into a written contract with XXXX XXXX who then sold it to Santander consumer usa. In the contract is states on the back that, " Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of debt including promises to extend or renew such debt are not ENFORCEABLE. To protect you ( borrower ( s ) ) and us ( creditor ) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, EXCEPT as we may later agree in writing to modify it. Santander breached this agreement when they offered me deferred payments without modifying my contract in writing. I will be mailing another copy of my contract via usps when i receive the hard copy complaint form in the mail. I am unable to upload a copy to attach to this form. I DO NOT want to be contacted via email since I never received a reply from my first complaint. To keep this from happening again i prefer to receive all contact by regular mail.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-06-11
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harley Davidson Financial Services Inc (CA)

I filed a dispute against XXXX on the CFPB XXXX responded and did not remove Harley Davidson, They said this was joint with my husband. This is guilt by association. XXXX never provided me with a contract that I signed neither did Harley Davidson in XXXX XXXX Nevada. This is not my debt, and should be taken off my credit report
Consumer complaint received 2017-03-13
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I received a fraudulent collections notice for the sum of {$300.00} on a ( XXXX ) credit card that has not been used in years. They had my correct account number. The company was Portfolio Recovery Associates , LLC. Stating the seller was XXXX, XXXX XXXX, Florida, XXXX. The phone XXXX. Or portfoliorecovery.com