davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I closed a XXXX account out in XX/XX/XXXX. I went returned the phone and paid my last bill. in XX/XX/XXXX 2 years later DIVERSIFIED CONSULTANTS broke several laws in attempting to " refresh '' a debt. without following the FCRA law. I have attached a copy of the violation. its is section 605 of the FCRA. In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

In addition, diversified C failed to adhere to FCRA LAW which states that the collection agency must, 30 days before reporting to the reporting agencies send me the information in writing. I spoke to them, they claimed not to have my current address, i know this not to be the case. With out my consent they procured a copy of my credit report, yet another law violation.
Consumer complaint received 2017-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

received a call from XXXX XXXX XXXX Portfollio Recovery. After they had been advised not to call my cell number in regards to a debt that was included in a bankruptcy from a divorce in 2014. They call 7 times from this number then 4 blocked calls then 3 unknown until I picked up. Then they proceeded to threaten me with arrest call be a XXXX XXXX XXXX XXXX and tell me they were issuing an arrest warrant since I was a XXXX XXXX XXXX. 14 calls and verbal abuse and threats after I told them not to call the cell.
Consumer complaint received 2022-01-06
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. (IL)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2017-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

XX/XX/XXXX I spoke with XXXX XXXX, about my mortgage being late XXXX stated we can do a modification but we need your XX/XX/XXXX tax return and paystubs from your job 6 Months. I never submitted the documentation because I felt I did n't need the modification. 
XX/XX/XXXX receive a letter advising me required documentation was not received and Wells Fargo unable to offer assistance. 
XX/XX/XXXX received another letter advising me of my FICO score is less than since I closed on my Mortgage/ Payment history must have no 30 day late payment XX/XX/XXXX I received another letter stating my mortgage was going from {$880.00} to {$1000.00} I called Wels Fargo spoke to XXXX I question what is going on with my mortgage he advise a modification was complete and we now have added your homeowners insurance into your mortgage, I question how is that when I never submitted any paper work for the to be done. I ask to speak to an Supervisior. 
XX/XX/XXXX spoke to XXXX XXXX XXXX ex XXXX he advise me they sent a check to XXXX XXXX in the amount of {$600.00} my question to XXXX how can a modification be completed with out my consent and no documentation to make a decision of what my mortgage would be I also state I thought a modification was to help you not hurt you still I do n't understand how this process was complete but XXXX insure me this would be corrected. 
XX/XX/XXXX called back to WellsFargo spoke to XXXX was put through to talk to XXXX he state the correction will be corrected XX/XX/XXXX because he has work to do to make the correction. on XX/XX/XXXX called XXXX to make my mortgage because he said it would be better if he took my payment over the phone since he knows whats going on with my account. XXXX advise me that I need to call state farm so they can send the check back to Wells Fargo in the amount {$600.00}. I called but I think this should be handle by them since they made the mess so I called XXXX XXXX and they reissue the check back to Wells Fargo XX/XX/XXXX received another letter advising me my mortgage is {$1000.00} problem still not corrected this is becoming a hassel and stressing me out. Can you please look into this matter I can be reach @ XXXX r XXXX I did questin if they know what they are doing because one letter stats amount {$1000.00} another one {$1000.00} but my mortgage is {$880.00}. Thanks for you time.
Consumer complaint received 2021-07-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I have diligently paid my mortgage payment via ACH since it was first sold to Rushmore Loan Managment. I was notified that they had sold my mortgage to a different servicer but had not sent the monthly payment that was debited from my account on XX/XX/2021 in the amount of {$12000.00}. After speaking to Rushmore they informed me they decided to take that monthly payment and apply it as an additional principal payment. This was done without my knowledge or consent, furthermore they have also failed to forward that {$12000.00} payment that they say was applied to principal to the new servicer so my principal at the new servicer is the same and is still accruing interested while Rushmore does whatever they wish with my funds.
Consumer complaint received 2020-11-12
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: NAVY FEDERAL CREDIT UNION (NY)

XX/XX/XXXX I sent in a dispute to Navy Federal Credit Union and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received the two messages below this afternoon regarding my XXXX XXXX accounts and Transunion credit report, but...I did NOT contact Transunion on XX/XX/XXXX,  XXXX XXXX. Of course I am extremely concerned that someone may have accessed my credit report and is trying to gain access to my XXXX XXXX accounts. I have been on the phone with Transunion for most of the afternoon without resolution to my concerns. I have copied the text from the emails below.
-
Email received today at XXXX XXXX CST:
Thanks for using XXXX from XXXX XXXX, powered by TransUnion. You asked about information specific to your XXXX XXXX account. Although wed like to help, TransUnion is not able to provide any details related to your XXXX XXXX card. Please contact XXXX XXXX directly via your XXXX XXXX account online and click on the Chat Now button. You can also call the number on the back of your card to speak with someone over the phone. If you dont have you card, you can call XXXX (XXXX), and someone can help you anytime. Please don't reply to this email, because this inbox isn't monitored. If you have any other questions, please return to XXXX and use the "send a message" feature there. We'll be happy to help you.
-----Original Message-----
From: XXXX  [mailto:XXXX] 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX 
Subject: XXXX Customer Support
 
How do I dispute a paid item?
-
Email received today at XXXX XXXX CST:
NOTE: The email came to my XXXX inbox, but was addressed to XXXX. 
-
Thanks for using XXXX from XXXX XXXX, powered by TransUnion. You asked how to change info on your credit report. If you dont think what you see in XXXX  is right, you can review the information from your TransUnion credit report in the Credit Report section. Just click on the icon that looks like a piece of paper that says report. Detailed information on all of your opened and closed accounts  as well as your personal info, like name, date of birth, and address   that are reported to TransUnion is available there. If you find a reporting error, click on the button that says, see something wrong? to read some additional information and follow the instructions to have it corrected. Please don't reply to this email, because this inbox isn't monitored. If you have any other questions, please return to XXXX and use the "send a message" feature there. We'll be happy to help you.
-----Original Message-----
From: XXXX  [mailto:XXXX] 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX 
Subject: XXXX Customer Support
 
I have not went by the name XXXX XXXX since XX/XX/XXXX . My current name is XXXX XXXX XXXX and I am XXXX.  I live at XXXX XXXX XXXX XXXX Indiana XXXX. I have tried to change this several times and get kicked off.  I have also paid off some of the debts. I am trying to build my credit up to purchase a new home and car.
Consumer complaint received 2020-05-02
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. (OH)

XXXX XXXX HAVE AN ACCOUNT LISTED ON MY TRADE LINES ( XXXX ) THIS ACCOUNT CLOSED OUT IN XXXX AND THIS HAS CURRENTLY BEEN REPORTED 120 DAYS LATE IN XXXX WHICH IS IMPOSSIBLE BECAUSE THE ACCOUNT HAS BEEN CLOSED OUT. THIS IS INACCURATE INFORMATION AND SHOULD HAVE BEEN REPORTING ON MY TRADELINES.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

I previously had a loan with Ocwen Loan Servicing. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from Ocwen, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from Ocwen dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, Ocwen reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that Ocwen refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that Ocwen make a correction with the credit bureaus removing the late payment from my credit report. Ocwen refuses to do so.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX time sending each credit reporting agency a notarized Identity Theft Affidavit. The affidavit contains all information required to block the fraudulent accounts, per FCRA 605B. 

*** I have also requested that if they decline to block and/or remove the information that I am provided a copy of all evidence used in their decision. ***
Consumer complaint received 2021-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

I settled an old debt which was XXXX for XXXX this made the account resolved and LMNV funding said they would delete the tradeline with in 30 days. But instead of doing that, they sold my account to XXXX XXXX XXXX. Now they're saying I owe them, after the fact that i had this matter resolved!
Consumer complaint received 2020-05-02
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. (MI)

Equifax is reporting inaccurate collection accounts to my credit report. I have disputed the company XXXX XXXX XXXX XXXX multiple times over the phone and through the Equifax website and the information still remains on my report. After constantly disputing the 3 accounts that are being reported under this companys name, each account is now reporting twice! I disputed all 6 accounts once more and Equifax said that all of the information was verified which is impossible because the accounts are not only reporting double times but they are also inaccurate. I requested information from the company itself and they did not validate the debt that is stated on my credit report. My score is being effected and Equifax wont properly investigate this issue. The representative that I spoke with said that he could clearly see the doubles accounts but he was unable to take them off. No other CRA is reporting this company. I am demanding for it to be removed from my credit report and for myself to be made whole.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (DE)

My information was hacked. Someone tried to open a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. Fortunately an account wasn't opened but caused a dropped in my credit report along with an inquiry which does hurt my credit. I would like to get this removed from all of my credit reports : Experian, XXXX, XXXX
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (IL)

I finally received rather full copy of my XXXX  credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old Heights Finance loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX  XXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL office you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both Heights Finance locations XXXX  XXXX IL and XXXX IL and their corporate office as well as to XXXX, XXXX  and XXXX!!!
Consumer complaint received 2016-06-17
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Ad Astra Recovery Services Inc (TX)

I have sent Ad Astra XXXX certified letters and XXXX email requesting they cease all contact with me. I have asked them not to contact me at work yet they continue to call my place of employment. They are violating my rights an I want them to stop harassing me.
Consumer complaint received 2017-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (SC)

call came in XXXX from Wells Fargo at XXXX XXXX from the number XXXX. Received another same day same company with same number at XXXX XXXX. Another with all same information above but at XXXX XXXX. Another at XXXX XXXX. The next day XXXX all same info but time is XXXX XXXX. Another came at XXXX XXXX. Another at XXXX XXXX. Another at XXXX XXXX. On XXXX all same info but time is XXXX XXXX another at XXXX. I have tried to call and only get a recording stating they are trying to collect a debt. I do not have a loan with them or owe money to them because I have never dealt with them. I have registered this number with Do No Call and am still getting this calls from this time. I am cooking things for XXXX and do not like to be interrupted throughout the day while trying to get some cooking done. Also do not appreciate running to the phone thinking it is a call I want only to be Wells Fargo once again. They have called before XXXX XXXX and after XXXX XXXX but do not have those records. Please help me this has to stop. I have not received anything in the mail from Wells Fargo either. Please help me make this stop. It is on going day after day after day after day after day for 1 1/2 year now.
Consumer complaint received 2017-11-22
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. (NY)

XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX  XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX  
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX  #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX  (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.
Consumer complaint received 2018-03-20
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. (ME)

I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX directly however the company ignored my request.
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates ( PRA ) was reporting debt on my credit report as a factoring company and this is misrepresentation. It is my understanding that a factoring company specializes in financing invoices from businesses that have cash flow problems due to slow-paying customers. I have already tried resolving this issue with PRA through the XXXX XXXX XXXX to no avail. I have provided the section of my credit report that shows where the company misrepresented themselves. You can clearly see that the company represented themselves as a factoring company within the type of loan section in the attached document provided.
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I was with XXXX for 2 years. Contract if any is expired already!!! I cancelled over the phone repeatedly 3 months ago, They have some stupid incompetent desk clerks phone answers. Took over 10 minutes before they could comprehend the simple meaning CANCEL my account, PLUS, they were cryptic about there version a FREE 3rd line. HOW would I continue to have a phony ghostline still open when I told this inapt phone answerer to cancel my account. That simple!!! NOW 3 months later they enrage and harass me with some dishonest collection agency sending me there obfuscation bill for XXXX, Where did this phony amount come from?! WHY was I never informed they were trying to cheat and defraud me because I cancelled. There miserable reputation for idiotic customer service is still true today!! Lousy reputation for sloppy incompetent customer service!!! I already paid my 2 lines when I cancelled!!! I have no clue where they self created this fraudulent debt from! Waste of time at there mismanaged stores, obviously set up that way to be intentionally futile and opprobriously malignant to get them to fix there own sloppy insulting blunders
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the basis that the your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender has was sent the third party authorization three times. as well as the Qualified written request. 
The lender has failed to respond to our QWR sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX- the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.