davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IN)

Purchased the house in 1988. I retired and could no longer afford the home. Contacted the mortgage co. to do a quick sale it was approved. Could n't sale because they wanted more than the house was worth per thier appraisal. Next they approved a died in lieu. Next they kept stalling. Said thier Attorney had to do a lien search. Came back and said XXXX XXXX XXXX ahd a Lien on the property. I have never had any loan with XXXX. So I had a Attorney run a search nothing. I ask for the report. They sent me a report ran by XXXX XXXX Mortgage in california. I called them, they could not find anything. XXXX me to the Company in Indiana, they found nothing. So apparently these papers they sent me are fradulent. What they sent me was something they typed up. There is nothing legal about it. My Attorney did not find anything, thier soppose mortgage co dod not find or know anything about this lien. XXXX XXXX has been out of business for many years merged with XXXX XXXX, they had nothing. Changed name to XXXX XXXX XXXX, called them they had nothingThis has been going on for more than a year. My credit is now shot. They approved the quick sale, but I can not sell it because it is worth XXXX but they will only accept XXXX had offers for XXXX. Now they are putting up all the obstacles to not do the deed in lieu. Since there is no lien. They need to get this done and over with.
Consumer complaint received 2024-02-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I was victim of Identity theft and wants these removed from my credit reports I've reached out to the company many times with no response. XXXX for {$1200.00} account # XXXX. Also XXXX XXXX Accounts that was open frauduanlty account number XXXX and XXXX.
Consumer complaint received 2023-03-19
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A. States I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-01
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. (WA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-12-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Go Capital Holdings, LLC (OH)

I am a Veteran currently being seen by the VA for XXXX. I was unemployed for a short period of time and now have a job that only pays $ XXXX. I have fallen behind on my car payments and need the company to work with me so that I can keep the car and continue to work.
Consumer complaint received 2022-09-03
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: Caliber Home Loans, Inc. (FL)

In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (MI)

United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The initian amout was {$600.00} and it was established on XXXX I ( BALANCE 0F {$100.00} ). XXXX I made payments to them but never received any stamens, I taught I was done paying them. I never received a statemt nor a phone call for years in XX/XX/XXXX they placed a collection into my report after i purchased a house. I reached out the company. Before I made the payment, I requested that they remove the item from my credit report which the person I made the payment to agreed to have it removed. After the payment was made, they did not remove the item from my report. I called, i disputed the item and explained the matter to whoever i came into contact with, Still nothing happened. The item is effecting my credit score and that is hendering me from getting the proper rates when I apply for loan. And that is a form racism that keeps people like me receiving higher interest rates.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (TX)

I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
Consumer complaint received 2016-05-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (NM)

I have several student loans that i just now have been notified that are in default. I was never alerted of being delinquent or that repayment of the loan had started. The first notice i received was from a debt collector stating that I was in default on repayment of my loans! I 've attempted to contact all/ each service provider and keep getting the run around : either ( 1 ) trying to get me to pay a ridiculously high amount or all the loans ; or ( 2 ) claiming to not have information regarding getting out of default by rehabilitation, consolidation, or getting into any income based/ income contingent repayment.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I made a purchase from Macy 's with a Macy 's credit card. They never sent me a billing statement. Instead, several months later, they sent me a collection notice. I contacted customer service, explained I never received ANY billing statements and requested they send me a paper copy. I also sent them a letter ( attached ) noting the difficulties I experienced in actually getting them to send me billing statements. I refused to pay the " late fees '' and interest as I was never afforded an opportunity to pay my bill on time. Now they send me monthly statements with escalating late fees ( now in excess of {$100.00} ) even though I paid the purchase amount in full months ago.
Consumer complaint received 2015-08-06
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CREDICO. INC (SD)

For starters they continued to call me and harass me after being told to leave me alone and that I was XXXX and that if they continued they would cause me XXXX and they continued to the point I lived in utter fear of them and of having a XXXX second they threatened small claims and judgment for years making no attempt to do so until now using max time available to intimidate third statute of limitations in south dakota is 6 years on open accounts they just now on XX/XX/XXXX filed small claims some of these medical bills they are going after stem back to XX/XX/XXXX and they are trying to get a judgement simply so they can harass bully and intimidate for another seven years third these bills are because the original medical company did not file with insurance companies correct with countless attempts to fix these bills should n't even exsist
Consumer complaint received 2024-02-23
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)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (OH)

Target customer services misrepresented the amount that I owed on my Target credit card. This resulted in a late payment with fees and interest. I paid the entire balance less the fees. Target continued to bill me late fees in addition to more late fees. After further attempts to resolve issue I wrote a memo informing Target that this issue is in dispute and the original late payment was a result of misinformation provided by Target employees. Target has apparently reported this to credit agencies. Your help would be appreciated.
Consumer complaint received 2016-01-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TSC Accounts Receivable Solutions (CA)

I contacted TSC Accounts Receivable Solutions at the phone number given in response to another complaint. I agreed that account # XXXX, for date of service XXXX/XXXX/XXXX, with a current balance is {$270.00}, including principal and interest, was indeed mine, even though they did not have anything with my signature on it as such. I paid this in full and was told it would be totally removed off all my credit reports. 

The account, # XXXX, for date of service XXXX/XXXX/XXXX, for {$220.00}, including principal and interest ( the lessor of the XXXX reported ), is unknown to me, so I asked for debt validation. At this time, TSC does not have anything with my signature on it proving it is indeed my debt and not an error. I requested debt validation and was told I will have to call back in a month to find out the results of the dispute. As TSC does not have proof that this is my debt, reporting it as such is a violation of the FCRA. I request TSC remove this debt from all reporting agencies until such time as they can prove this debt as valid and owed by myself. I have already suffered loss because of the reporting stated in my initial dispute and this item will continue to cause me losses.
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (TX)

I had a loan for my car with Santander. I stopped making payments XX/XX/2011, the car was repossessed XX/XX/2011 the car was then auctioned off and the payment was applied. The remaining amount owed was {$1400.00}. I never got a letter stating the amount owed. I was verbally informed over the phone after multiple calls early in the morning and late at night. I was able to pay the remaining balance. However, on their end it is not showing as paid. They sold the loan twice to different debt companies, none of which called me to inform me of the " debt ''. Now I am being sued for the {$1400.00} from a debt collector. My credit report is showing inaccurate information as well. The only payment history it shows when XX/XX/2011 when my last payment was made and XX/XX/XXXX when the car was repossessed, then it is showing when their payment from the auctioned was applied. I had my loan with them for 4 years prior to this. None of that payment history is on there. I believe this is a violation of FCRA.
Consumer complaint received 2021-09-03
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. (IN)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXXata Breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (MA)

Case number : XXXX Related Case Number : XXXX Chase receivables has been notified of the fraudulent activity for which they have a collection. The agent stated that the merchant was notified and that there was no information needed from me as I am not liable for the fraudulent use of my account. 

Chase Receivables has not submitted for removal of adverse and incorrect information on my credit report.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion, XXXX are reporting false information ; and when I questioned their investigation that immediately sided with the creditor I was told that the creditor is their customer, and under contract. Therefore, they must take the side of the creditor which is in violation of the fair credit reporting act,
Consumer complaint received 2024-02-21
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 is my NUMEROUS 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

At the middle of XXXX I started the process of taking care of collection accounts on my credit report I had gotten information from the collectors and handled the matters as far as contacting my insurance and then we contacting them I contacted XXXX  and they told me they had got any information from the debt collector to have the account removed off my credit. Several times from the beginning of XXXX until the XXXX of XXXX I have been playing phone tag with XXXX  and Wakefield and associates to have this matter taken care of I was then advised on XX/XX/XXXX by an experience dispute representative that if I got the letter from Wakefield and associates as well saying that they were no longer reporting to send it to them to have the account removed off of my report I've done that several times as far as resubmitting disputes it's still showing. Today is XX/XX/XXXX I have called them three times already today and XXXX  still has refused to take the accounts off of my report they keep giving me the runaround they have expressed that they've received the letter for me from the collection agency however I still need to wait and I feel that this is completely against my rights and they need to take care of the situation.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

td bank charge me {$35.00} return fee, when it pending payments. while i had money to cover pending payments, which i deposited.on XXXX XXXX 2016 i had payment pending from few payments .i had enough to cover payments they still charge me {$35.00}. they refund me $ XXXX.td bank abusing customer.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY (PA)

I had a credit card account with TD Bank / Target. The account was included and discharged in chapter XXXX bankruptcy. This account is showing a status of " CHARGED OFF ''. I disputed with the credit bureaus and the account came back as verified. I sent a certified letter to the creditor XXXX months ago and have not received a response. I then once again disputed the account with the credit bureaus and once again it came back verified.
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

In XXXX 2015 we got a pre-foreclosure letter. We had several conversations, as we have always paid at least 2x 's the amount due or more. They said that they were sorry and it was a mistake that we got the letter. On XXXX 2015 statement, they added {$780.00} fee for FORECLOSURE FEE. I have contacted them by e mail and phone and every one I talk to says that a supervisor will call me back. No such luck. No one had responded. I have had to refinance this loan to get away from PennyMac and their " computer errors ''. The pay off notice that was given to the new company has " Foreclosure fee '' listed. This has caused some problems with the new lender. I want this fee reversed and they send me a refund.
Consumer complaint received 2022-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with Capital One in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give capital one any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse Capital One has created. I am extremely disappointed in Capital One for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit repot. --
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I provided proof of the Federal Tax Lien being released and removed. All credit bureaus XXXX, XXXX have been removed, but EQUIFAX refuses to remove it even once the proof was given. I disputed 3 times NOTHING has happened. Its EXTREMLY FRUSTRATING
Consumer complaint received 2016-12-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (GA)

This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Consumer complaint received 2022-02-09
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-12-22
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Moneytree Inc (WA)

Opened an account with XXXX in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX. I recently went into Moneytree to cash a check and I was informed by the XXXX at the XXXX, WA location that I would have to pay half of what is owed to them in order to cash the check. I refused as I had filed bankruptcy and the statue of limitations had already passed on them to collect.