davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (MD)

I have been in communication with my mortgage company, PrimeLending since XXXX of this year about suspected fraudulent activity by PrimeLending. Attached is the last letter I have submitted to PrimeLending on XXXX XXXX, XXXX by Certified Mail # XXXX. They have refused to address my concerns with silence and have continued to seek the monthly mortgage payments, nor have they addressed my letter prior to that seeking explanation for a purported loan from Primelending and proof with a copy of a check showing Primelending loaned me anything.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

I have 2 problems with Caliber Home Loans 1. I sold my condo and bought a house in XX/XX/XXXX. In XX/XX/XXXX I received a letter from Caliber telling me I have not had home owners insurance since XX/XX/XXXX. They said they were unaware, they did not know. I called my insurance company and they told me my contract with them was cancelled in XX/XX/XXXX, because I have a chimney coming out of my garage that is unattached. They told me the garage would not be covered but the house was fine. I was unaware that the whole coverage was cancelled. I called XXXX XXXX and got a policy right away. In the meantime Caliber told me they are going to back date a high risk policy from XX/XX/XXXX to XX/XX/XXXX. They sent me a bill for {$810.00} I need to know if this is legal. I would never of gone without insurance if I had know. I thought the mortgage company is suppose to monitor this and let the home owner know. I do not know why after the fact I need to pay {$810.00}. 
2.I believe they have red flagged me are now harassing me. They have told me for the last 2 months my mortgage is late. I know it 's not. I have never paid my bills late. I pride myself on this. I paid the first late fee but when it happened. I called and was told they received it on the XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX. I called and they researched and said they received my check on the XX/XX/XXXX but did not post until the XX/XX/XXXX. They said it would be corrected. I received harassing letter and was told to pay the late fee and they will apply it to my principal. I do not have all this extra money for their mistakes. Why are they treating me this way?. They are very incompetent. I would like to be reimbursed for the first late fee because I promise you they are holding the checks and posting them late. Like they admitted to when I called on XX/XX/XXXX.
Consumer complaint received 2021-07-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

Heartland ECSI received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of abode. Heartland ECSI did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Heartland ECSI sent me deceptive forms violating 15 USC 1692j ( a ), and also claimed that they are not a debt collector subject to FDCPA. This is false because pursuant to 15 US Code 1692a ( 6 ), a debt collector means any person who attempts to collect, directly or indirectly, debts owed, therefore Heartland ECSI are not exempt from complying with the laws with respect to debt collection practices. 
I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. A 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Heartland ECSI. Pursuant to FDCPA and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator. 
Not only the allege debt is still not directly verified, Heartland ECSI has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. 
Heartland ECSI must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) in the amount of {$96000.00}.
Consumer complaint received 2017-10-04
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. (IL)

On XXXX/XXXX/XXXX I submitted a dispute to Transunion for 2 listed bankruptcies that were being reported on my credit report. They came back verified on XXXX/XXXX/XXXX. This dispute was mailed certified. I spoke with 3 different representatives to see how the information was verified. I was told by 1 person indicated the  bankruptcy court. I went on to tell her I mailed in documentation from the US bankruptcy court that indicated that they do not verify anything with the credit bureaus and do not verify anything electronically. She indicated this has been received. The 2nd person indicated that do not have to give me that information and the 3rd told me I should know who report the information. On XXXX/XXXX/XXXX I mailed in a request for the procedure of verification certified ( Received XXXX/XXXX/XXXX ),  I requested the information used to verify the bankruptcies and the information of who verified the bankruptcy. As of today XXXX/XXXX/XXXX I have not received a response. 

Additionally, I mailed a request to dispute inquiries and update personal information on XXXX/XXXX/XXXX, I never received a response regarding the inquiries as of XXXX/XXXX/XXXX. I spoke with XXXX on XXXX/XXXX/XXXX who indicated that it has been received. I was aware as all of the requested personal information had been updated.
Consumer complaint received 2024-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

The flagstar company has been delinquent in paying my property taxes forcing me to make the payments myself even though they are collecting my escrow payments. I have been trying to receive a refund for the taxes Ive paid since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet to receive my repayment of {$3000.00}. The companys excuse is that they do not have my correct mailing address so the check keeps getting returned and redeposited into my escrow account. Im starting to believe this company is purposely withholding my funds. 

I have also asked to close my escrow account since the property taxes are not being paid however, they claim they are not allowed to by law.
Consumer complaint received 2017-10-04
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. (MO)

Equifax Mortgage Ser Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX I do not recgonize these inquaries.
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Received calls from Navient on MANY occasions, most recently, yesterday XX/XX/2018. The person I spoke 2, XXXX XXXX, told me that if I wanted to settle my loans I should borrow money from family and friends. This is certainly not the first time I have been told this, but I was advised that this is not legal, nor are the daily phone calls. Because of my inability to pay what they are asking for, my credit score has dropped 60 points. Navient is a terrible company that harasses borrowers and uses illegal practices.
Consumer complaint received 2019-05-20
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. (FL)

identity theft victim. this has been going on for sme time now. 

U S bankruptcy XX/XX/XXXX this is not mine. 

XXXX XXXX XXXX {$370.00} opened XX/XX/XXXX. not my account. THIS IS FRAUD
Consumer complaint received 2022-10-05
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: STATE EMPLOYEES CREDIT UNION (NC)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (VA)

Issue # 1 : I was having issues with making my payment on XX/XX/24. I called Ally to inform them that I was having issues making it online and I was able to make the payment about XXXX XXXX XXXX XXXXXX/XX/24. I assumed they made an update to not report me as late because of the online system having errors. I had never encountered this error before while paying online. 

Issue # 2 : I shared with Ally that I was going through a terminal situation to look for a settlement on the account to pay less than owed. They said they could waive {$100.00}. I asked if there was a supervisor or someone higher I could talk to. The agent placed me on hold and came back to inform me that the supervisor said they had nothing that could help me. I asked for their corporate number and the agent said he didn't have it and there is nothing anyone can do.
Consumer complaint received 2017-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

In XXXX of 2011 I had to have XXXX at XXXX Hospital in XXXX XXXX ca. The hospital had patient information leaked and that 's when a collection agency by the name of Grant & Weber obtained my information. I contacted the hospital to make sure they had not sent me to collections with this agency and the hospital stated they did not report to Grant & Weber at all. The times I talked with an agent from their company he was very rude and bordering threatening. He called harassing me over and over. They could not provide me with information backing that I owed them any money. I was eventually able to remove their derogatory marks from my credit report. Last week Grant & Weber again reported the same 4 debts to my credit report without any other form of contact. I have talk to other people who have dealt with the same collection agency and no one had a good experience. Their practice is shameful. They want to hurt, not help you. They give vague information and when you ask for details they get upset and are very condescending. If you are lucky enough to get them to send you information to validate your debt it is a joke. The information is as vague as the reps are. Ask them anything about the debt and they turn on you. This company should be put out of business!
Consumer complaint received 2022-10-05
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. (CA)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX 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.

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 reason.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have submitted several disputes to the credit bureau and credit card XXXX XXXX XXXX XXXX XXXX regarding a fraudulent account that is being reported to my credit file. However, neither one of the companies have taken the proper steps according to the FTC statue with removing the account from my credit file.
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

they put in for a judgement against me I settled with a repayment plan they ended up putting more money on acvount. Spoke with them about they told me it was lower by XXXX that they added.Even received a bill with the wrong amount.
Consumer complaint received 2015-03-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

We were on a HAMP loan at 2 % and were current. Ocwen raised us to 3 %, I lost my job and the ability to drive XXXX and earn a living. We can not afford the 3 %. We need help. Please contact me with any questions.
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NH)

WAYPOINT RESOURCE GROUP keeps sending derogatory marks to my credit and effecting my score. I have disputed their marks multiple times and they have been removed multiple times due to false information being reported. They claim to be collecting a debt on behalf of XXXX, but XXXX has communicated to me I have no active balance due and my account from 7 years ago was paid in full with no debts owed. WAYPOINT RESOURCE GROUP ignore this and every couple years falsly reapply this derogatory mark to my credit file.
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I have been paying my normal repayment for years. Out of the blue on XX/XX/XXXX I received an email stating they received my request for income driven repayment. I am mediately called to inform them that I did not submit anything and the request was not mine. The lady explained that there was another customer with a similar account or social number and that the request was incorrectly login to my account. I told her I did not want anything on my account changed. She assured me that it would be corrected. On XX/XX/XXXX I received another email stating that they received the additional documentation for the income driven request. Once again I called and explained how I called a week prior and that the issue is still not fixed and I did not want any changes made to my account. Today XXXX I received an email that the income driven request was approved and was provided my new payment information. After logging into my account I found that my repayment terms were in fact changed all without my permission. The lady apologized and says she would fix it.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OH)

I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my XXXX XXXX XXXX XXXX card on XXXX/XXXX/XXXX an amount of {$10000.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you
Consumer complaint received 2021-07-11
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: Experian Information Solutions Inc. (MN)

My XXXX XXXX XXXX  MasterCard credit card account : XXXX is lost/stolen. There are fraudulent transactions listed on my credit card account. The following charges are are all fraudulent : XXXX, {$52.00}, XXXX XXXX, {$17.00}, XXXX XXXX {$23.00}, XXXX, {$26.00}, XXXX XXXX XXXX, {$32.00}, XXXX XXXX {$6.00}, XXXX XXXX {$4.00}, XXXX {$31.00} and XXXX for {$52.00}.
Consumer complaint received 2017-10-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (IA)

I took out a personal loan. Of {$1500.00}. My first statement was the balance was {$1600.00} with my biweekly payments of {$330.00}. Beginning XX/XX/XXXX. I come to find out to try to pay off my loan I owe {$2400.00}. And every payment that I have made biweekly since XX/XX/XXXX has all gone to only interest to them. Nothing has come off the principal balance. I called them to change my bank account information in early XX/XX/XXXX. and they never updated it and have put my account into delinquent status because they tried to pull from a closed account. I was not aware I had to pay all the interest upfront for payments before they even start taking amounts off the principal. Also when I requested to change my account informations they told me the only thing I have to do was fill out the new direct withdrawal form with my new routing number and email back. Then when I call to pay off and ask why my account is delinquent they told me I have to have a 3 way call with my bank to change my bank information to the new bank. Which has also lead to fees changed by my old bank for insufient funds.
Consumer complaint received 2019-03-08
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. (IL)

On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, Transunion and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
Consumer complaint received 2019-03-08
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: Experian Information Solutions Inc. (IL)

On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, XXXX and Experian ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.