davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

IN XXXX I REQUESTED A PAY-OFF AMOUNT FROM MY MORTGAGE COMPANY. OUR DESIRED PAY OFF MONTH WAS XXXX. I RECEIVED THE FIRST PAY OFF AMOUNT ON XX/XX/XXXX OF {$14000.00} FOR XXXX XXXX. I THEN RECEIVED A REVISED PAY OFF AMOUNT ON XXXX XXXX OF {$15000.00} FOR THE SAME DATE IN XXXX. THIS IS WHEN I DISCOVERED THE ESCROW OVERDRAFT OF {$1700.00}. AFTER GOING INTO THE ACCOUNT HISTORY I DISCOVERED A DOUBLE PAYMENT FOR HOUSE INSURANCE. THE DATES PAID WERE XX/XX/XXXX OF {$2100.00} AND XX/XX/XXXX THE SAME AMOUNT WAS PAID AGAIN AND I WAS CHARGED AN SHORTAGE TO MY ESCROW ACCOUNT. ON RECEIPT OF OUR HOMEOWNERS INSURANCE PAPERS IT STATED THE EFFECTIVE DATE AS XX/XX/XXXX. AFTER CONTACTING PHH ON XX/XX/XXXX I WAS TOLD THE FIRST PAYMENT CHECK WAS NEVER RECEIVED AND THEY HAD TO ISSUE ANOTHER CHECK. EMPLOYEE # XXXX FUNDS WOULD BE RETURNED ON XX/XX/XXXX. ON XX/XX/XXXX FUNDS WERE STILL NOT RETURNED. WIFE CALLED AND TALKED TO EPLOYEE # XXXX. WAS TOLD TO GIVE THEM 2 BUSINESS DAYS TO LOOK INTO IT. NO RETURN CALL. ON XX/XX/XXXX I CALLED AGAIN EMP. # XXXX SAID GIVE ANOTHER DAY AND WOULD CALL BACK. TO THIS DATE NO RETURN CALL AND FUNDS HAVE NOT BEEN RETURNED. WE HAVE ASKED REPEATEDLY WHY ARE WE COVERING THEIR LOSS. WE DON'T UNDERSTAND IF THE PAYMENT WAS LOST HOW WERE WE ABLE TO HAVE THE DATE THAT WE GOT ON OUR INSURANCE PAPERS.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Have a blessed day!
Consumer complaint received 2018-01-12
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: Riverwalk Financial Corporation (FL)

XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, XXXX XXXX, XXXX am Jur XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2017-06-15
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Yesterday I received a call regarding a payday loan in the amount of {$300.00} that needs to be taken care of. When I tried to make arrangements to pay it, the rep said the balance is now almost {$600.00}, and she was not willing to accept a postdate check for the  XXXX , nor was she willing to accept anything under {$200.00} a month. At the moment I am in a financial bind and can not afford that, but I have every intention of paying it. After no resolution was arranged, the rep said, " Good luck in court. I hope they do n't garnish your wages, '' then hung up. I called b ack a second time and tried to convince them to accept the arrangement again and was told once again, '' Good luck in court, '' and then they hung up. This debt is not on my credit court, so I honestly forgot about it. I am paying on other debt at the moment and have never had a company operate in such an unprofessional and uncaring manner. I would like to resolve the account, but I need better customer service and a better pa yment arrangement.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

1. XXXX XXXX LATE PAYMENTS XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX LATE PAYMENT XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX-XXXX ACCOUNT {$1300.00}
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (WI)

I opened  a Wells Fargo  checking account on  XXXX . The deadline to open an account for the {$250.00} promotion was  XXXX . I confirmed via secure message that the promotion was attached to my account. I completed the requirements for the bonus (  XXXX  debit purchases or {$500.00} direct deposit -- i completed both ) and still have not received the bonus.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AE)

XXXX XXXX began calling us on XX/XX/XXXX 2017, the claim was not identified at the time and the caller was extremely aggressive in trying to collect a debt of {$220.00}. Once I explained to them that we are stationed overseas so it was past XXXX ( XXXX local ) which violates their rules as well we have no idea the service because she did not identify the claim at hand. She was even more aggressive in trying to collect to which I cancelled the call and blocked the service provider. Since then we would still receive multiple calls from the service from different numbers throughout the morning and the course of the day and late into the evening. The calls became harassment very quickly with no information on the claim, finally I was able to force a caller to give us the claim information which came to XXXX XXXX XXXX under XXXX XXXX. The issue is we have never heard of this company and we only had one provider for the past 3 years how we contacted and said our account debt free since we left the country. The caller became angry and refused to give any information stating to google it ourselves and I cancelled the call. After speaking to all of our banking services and checking our credit reports we saw no sign of this magical debt we apparently owe.
Consumer complaint received 2021-08-13
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. (TX)

I have written the CRA numerous times to remove a late payment that is reporting on my account with XXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.
Consumer complaint received 2017-06-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

This company calls my cell phone and my work number asking to verify my information. They also call my  human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX is reporting that my account was turned over to a collection agency and they never once sent me a final bill. They came and picked up all of the equipment and I was told Id receive my final bill. I got a receipt for the equipment picked up by the XXXX representative and theres NO WAY that my bill is {$580.00}! It was less than {$360.00}. I have also attached the contact info of the XXXX representative that came on XX/XX/2019 and picked up the XXXX equipment.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (MD)

I been contacting XXXX  for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
Consumer complaint received 2023-01-28
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NC)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account PHOENIX FINANCIAL XXXX  XXXX balance {$930.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (SC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Hi, I have been regularly being charged {$2.00} interest on my Macys credit card from past 6 month. I paid all balance in XX/XX/XXXX to bring it to XXXX balance. They went ahead and charged another {$2.00} in XX/XX/XXXX. I called the customer service and reported why they charging me {$2.00} after I paid my balances on XX/XX/XXXX. They agreed to revert the {$2.00} charged on XX/XX/XXXX and they promised it will reflect on my account in 72 hours. I didn't see any account activity after 72 hours and I called them again to follow-up. They said that they will take care of this issue and I don't have to call back. I still see the {$2.00} on my XX/XX/XXXX statement and I called them today ( XX/XX/2019 ) to report the issue. They repeated same statement that they will revert the interest charge and asked me to check in 72 hours. I don't trust them anymore and Its been frustrating experience with macys.com/credit department. I faced the same issue last year with macys and after multiple follow-up calls they reverted the interest that I don't owe. Last year my credit score went low because of macys. I am looking for expert advice and some help here.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (MD)

I been contacting XXXX for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (NC)

On XXXX 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (MO)

I got a text message the morning of XX/XX/2019 as follows : Bluebird : You have opted out for Card ending in XXXX. You will no longer receive text messages from the Bluebird program. 

This was not a request initiated by me. When I tried to log onto my account online I received an error message that my account was locked. When I called the bank the representative unlocked my account over the phone after verifying my credentials. To my surprise my money was missing. There was a transfer from my savings/set aside account to my checking account for {$1600.00}. Then a money transferred out of my checking account for the same amount. I did not initiate either transaction. 

When I notified the representative of the missing money they transferred me to the fraud department. In that transfer I was hung up on. I called back and was hung up on again. On the third call I asked for the direct number for the fraud department and in transfer I was hung up on again. This time I called the fraud department directly. 

I advised them of the unauthorized transactions. To my surprise it was an internal transfer from my account to another account holders account at the same bank. I pleaded with the fraud representative to stop the transfer and was told it would take 10 business days. 

I believe the bank should have did due diligence by placing a hold on the other persons account immediately until verified that I authorized which I did not. The fraud rep refused to or had no ability to retrieve my money from this unknown to me account holder. 

Because it was a internal transfer the bank has the exact persons information that committed fraud against me but did nothing to stop it. No one has my credentials to make any transactions on my account. I believe this was an inside job and that an employee of the company with access to my information is involved. 

Dispute my fraud dispute I want an internal investigation to see if an employee is behind this fraud against me. I have also filed a police report.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rock Holdings Inc. (NJ)

XXXX XXXX XXXX  XXXX XXXX XXXX, a subsidiary/partner of XXXX XXXX XXXX  was the settlement agent for my refinance. I have requested proof of actual repayment of the mortgage loan. They have not provided proof and I have not received a cancellation of the mortgage. They have recorded a new mortgage without cancelling the old mortgage.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX