davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (FL)

N Accordance with the fair Credit Reporting act XXXX Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.
Consumer complaint received 2015-06-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

We have been trying to work with Ocwen for XXXX years now on keeping home after a job loss, bankruprtcy and a Loan Modification process which included XXXX trial payments made by us with Ocwen implying they would grant us a Modifiation, we filled out final paper work for a modification and then Ocwen proceeded to cancel it without notice despite the fact that we followed through on our end and they are now implying that they are proceeding with foreclosure process. We have had numerous certified letters returned to us as undeliverable even though we mailed them to address given to us directly by ocwen. we have had telephone conversations with their " agents '' who promise a solution us long as we continue making our payments and these " promises ' are turning out to be just spoon feeding us that thee is a solution. We were told they would give us a loan modification only to then be told that due to some technical difficulty it was cancelled and we were never notified of it? Who does business like this? We have stopped trying to deal with them by phone because it becomes he said, she said. We have been doing every thing by certified mail and keeping documentation of such. No one at that company seems to know what the other person at that company if doing. We receive numerous correspondence from them that come after letters that tell us one thing only to be told something else. they are impossible to deal with.
Consumer complaint received 2016-03-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Onity Group Inc. (GA)

Received Chapter XXXX Now years later mortgage company is posting on my credit XXXX BalanXX/XX/2016 Account Number XXXX Creditor Name OCWEN/LITTON LOAN SERVIC Industry Type Mortgage Companies Street Address Line XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State TX Amount Delinquent XXXX Payment Status Unknown Creditor Preferred Contact Other Consumer Statement Chapter ce but has effected my score why would they do that Litton Loan co
Consumer complaint received 2024-02-12
Product: Credit reporting 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. (CA)

someone who probably has my personal information applied to get credit cards causing some inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I went to make an urgent deposit into my Capital One account at an ATM in the XXXX  store at XXXX XXXX XXXX, XXXX, MA XXXX in XX/XX/19 at XXXX because I needed this money to be available to cover a debt on the same day, but the machine swallowed my deposit of {$570.00} and returned me {$30.00} saying they were kneaded and simply after that it shut itself down by restarting the system without completing the deposit in my account and giving me any receipt. I contacted Capital One but the same just said that I could just open a claim and wait for at least 7 days for the answer being that I needed my money right away and being that it was a problem even filmed by the cameras from their machine shop.
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Credit determination — 
Company: GOLDMAN SACHS BANK USA (AZ)

While using a company called XXXX XXXX to monitor my credit, I was told that I was able to check approval for a new line of credit using a soft inquiry that would not impact my credit. The company ran my credit without my authorization for a company called XXXX by Goldman Sachs that resulted in a hard inquiry of my credit. I did not authorize this company to access my credit reporting file for extending credit.
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc. (IL)

Repeated phone calls ( by very polite operators ) regarding some type of traffic violation in  XXXX   (?  ) IL by someone driving a  XXXX . I do not ( have not, will not ) own a  XXXX , have no idea where  XXXX   (?  ) IL is, and probably have never been there. My attempts to get these calls to stop have been unsuccessful because all they want is $ $ $ $ $ $ $ $ with no documentation of the debt, and no research of who they are calling. Annoying, and offensive to be called at my work phone number about something that has nothing to do with me at all. The pleasant phone staff does not make up for the constant harassing phone calls.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I have been a member of Pentagon Federal Credit Union since 2011. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. Around XXXX, 2015 I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being DEASED. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a zero balance.
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
PRA sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called Portfolio Recover Associates, LLC. They had no knowledge of any of my dollar amounts and told me to call, XXXX XXXX XXXX XXXX XXXX, XXXX Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.
Consumer complaint received 2016-08-19
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This debit has been wrote off my credit going on 6 years then out of the blue they contact a family member giving him account information and personal data ... this individual family member has no idea what they are talking about nor is this matter even a concern of his I feel like they have violated my privacy act not to give out any personal info to an outside party ... I believe they have broke the law
Consumer complaint received 2017-02-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (CA)

My private financial information was stolen and used to open a Mortgage loan with CALIBER HOME LOANS, INC. As a result of this identity theft, the fraudulent loan opened with CALIBER HOME LOANS, INC. is in default and now CALIBER HOME LOANS, INC. is conducting a fraudulent foreclosure to try and take my home. I have never applied for a loan with CALIBER HOME LOANS, INC. nor have a received any money from CALIBER HOME LOANS , INC .
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DC)

Currently, Iam a XXXX XXXX XXXX XXXX XXXX who filed for a XXXX loan to further my XXXX XXXX XXXX. Using Chase bank, I received my funds and were told that the funds were available for usage in the account, but when I went to the branch to use the money that is a loan, that I am paying interest on is not accessible. They said it was restricted saying I needed to call I have spent over 6 hours on the phone with Chase only to be hung up on all 3x. Now the money that I am approved for is in my account, but now the services and business items I needed for my work i am not able to use due to some mysterious restriction that they cant explain. I want my money that I have been approved for so I can handle XXXX XXXX
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC (MD)

XXXX company contacted me on be half of Pendrick Partner in regards to XXXX medical debts from XXXX i sent off request for VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. I respectfully requested that there offices provide me with competent evidence that I have any legal obligation to pay and proof this debt was indeed rightfully min. Soon after on XX/XX/XXXX i received notice from XXXX / CURRENT CREDITOR, PENDRICK CAPITAL PARTNERS ; saying that they have investigated my dispute and at the time does not have sufficient information to fully respond so they discontinued collection effort on these XXXX accounts : conformation number XXXX TODAY IS XX/XX/XXXX THESE ACCOUNT ARE STILL ON MY CREDIT REPORTS AS COLLECTION NEGATIVELY REFLECTING. 
BUT PENDRICK CAPITAL PARTNERS HAS SOLD TO ANOTHER COMPANY THESE EXACT SAME DEBT NOW SOLD TO XXXX I HAVE REACHED OUT TO XXXX AND PCP REQUESTING THAT THEY PROVIDE OR DELETE THEY WERE ASKED TO KINDLY WHICH HAS NOT BEEN PROVIDED ITS BEEN 90 DAYS SINCE IVE ASKED VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 
THE COMPANY IS CLEARLY RESELLING DEBT THAT HAS BEEN CLOSED TO OTHER COMPANIES
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX ( 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (NH)

In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$3000.00} on XX/XX/XXXX, which is incorrect.
Consumer complaint received 2016-06-10
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Performant Financial Corporation (CA)

Performant Financial Corp did an " Hard ' inquiry ( which decreased my fico credit score. Any Hard inquiries decreases your credit scores ) without telling and/or informing me that they were going to inquire about me on my credit report. I did not sign and/or give verbal authorization as well. When I called to ask for them to delete from my credit report, Performant Financial Corp will not. When asked to provide any documentation that I gave authorization to inquire, they will not provide it to me. Per FCRA I have a right to request for this inquiry to be removed from my credit report. Attached is a copy of my credit report XXXX page XXXX inquiry down Performant Financial Corp inquiry, XXXX page my rights. Please remove from my credit report. Thank you
Consumer complaint received 2017-02-09
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Performant Financial Corporation (UT)

I have made many attempts to try and resolve the claimed outstanding debt but the company will not speak with me. They claim account is in a status they can not speak to me about yet they continue to report to credit and they do not allow me to make any resolution
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NY)

My mortgage holder is Caliber Home loans. I made mortgage modification XX/XX/2015.According to my agreement I have to pay mortgage and maintenance fee to Caliber Home loans and bank have to pay maintenance fee to my HOA.By some reason Caliber do n't pay.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (CO)

In XX/XX/2020 I refinanced my house and paid off all my debts. Conn XXXX XXXX XXXX started called me in XXXX saying the check for {$2900.00} that was sent to them was not the total payoff balance. The person said that another {$300.00} and some odd dollars was remaining now they are saying there is a balance of almost {$700.00}. My question to them was if i owed more money why did it take them almost a year to let me know also that was the payoff amount the lending company said was owed.
Consumer complaint received 2016-04-25
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (NY)

I put in a recession letter on XXXX XXXX, 2015 to all 'known ' associated parties on XXXX XXXX XXXX XXXX XXXX, NY XXXX, home. And CFPB. 
What I received was a run around that ended up with OCWEN. They reported that the home went through a foreclosure. Fabricated documents along with forged presumption were all through out this illegal foreclosure. Hence, why this rescission still stands.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVNV is a collection agency who is listed on my credit report. it claims to be a factoring company, however is also listed as a collection agency. The balance keeps changing. even though LVNV has been on my credit report since 2012 when it purchased the XXXX 's alleged debt, they are reporting as a 30 day late on my most recent credit report. 
The below is from a previous suit against LVNV. They are doing this same exact thing to me. 
#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as not in default. 

#. Defendant violated 15 USC 1692e ( by communicating credit information which is known or which should be known to be false, by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. 

#. Defendant violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores
Consumer complaint received 2016-09-20
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I sent money to my cousin who is in prison, I do not have the reference no. of the first transaction but it was back in XXXX back then I had confirm all the information concerning my relationship with beneficiary. On XXXX XXXX and XXXX of XX/XX/XXXX I sent him money ref no. XXXX & XXXX my cousin was waiting for the funds and he had not received it ref no. XXXX, I contact the customer services which informed a representative informed me that the transaction was under review. She ask mw what was my relationship with beneficiary and then released the funds.after informing that beneficiary was my cousin. Now on XXXX XXXX, XX/XX/XXXX the same thing happen, the whole day pass and my cousin had not received the funds. I called customer services again and the representative informed that the received had to call them. I told him that if had receiver my money transfer and informed in that this was going to someone in prison. He asked me to be placed on hold and the informed that funds were released. I do n't know what money grams employees are doing there is no reason for my transaction to be on hold if they have confirm the information with me. this is a frustrating situation. I will NEVER use money gram again. bad services and made me waste my time.
Consumer complaint received 2022-02-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EZCORP, INC. (TX)

Received three calls about a debt from 2014 that I already settled. Voicemail implying a threat of litigation. Agent with collection agency immediately started being condescending. On second call, another agent named XXXX XXXX introduced himself only as XXXX and refused to provide his full name, or state he was collecting a debt. XXXX XXXX proceeded to read off my name, social security number, and date of birth quite loudly and without verifying who I was and Id like the max punishment for that move, if there is one. He doubled down and said he do my bank account number next, all in the combative tone of a child playing video games. His supervisor XXXX backed him up and called me several names and was generally argumentative. Youre a scammer. Whoever these people are, they have no business having access to peoples information. There isnt a professional adult in the building. They call from ( XXXX ) XXXX and ( XXXX ) XXXX. Yall need to find them before I do.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

There is an account from XXXX XXXX for {$270.00} that is listed on my Experian credit report. This account is an unauthorized and fraudulent account from the result of identity theft. I am a victim of identity theft and this account do not belong to me.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In a 31 day or less Billing Cycle I make at least XXXX payment to my accounts with Capital One. Each time I make these XXXX payments this company takes almost 50 % of the payment amount toward the balance for APR each time, not only for purchases but cash advances. Making it almost impossible to every pay down your balances. I want to know the interest that is charge should be on each payment you make after initially making your minium monthly payments each month is a violation of my consumer rights?
Consumer complaint received 2015-08-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted capital one auto finance becaus they reported not accurate items on my credit the lady even went as far as stating if I keep contacting them their is a chance that they will put more things on my credit. They claim I was 60 days late yet they put 30 days for XXXX. They will not forward over my ledgers to the credit bureaus. I even asked for it to be sent to me which they wo n't