davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (FL)

COMPLAINT REPORT OF SUSPICIOUS ACTIVITY POTENTIAL RACKETEERING AND/OR MONEY LAUNDERING This complaint is by and from family Date : XXXX XXXX, XXXX To, WHOM EVER THIS MAY CONCERN/ WHOM EVER IN AUTHORITY REGARDING : XXXX XXXX and XXXX , XXXX. ( XXXX XXXX XXXX For the Firm ), Attorney for XXXX XXXX BANK TRUSTEE, XXXX. XXXX XXXX, XXXX XXXX, FL XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), XXXX. XXXX XXXX XXXX, XXXX XXXX, SENECA MORTGAGE SERVICING LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, THE ALLEGED " TITLE HOLDER CLAIMANTS '', XXXX XXXX XXXX ( RESIDENTIAL MORTGAGE LOAN TRUST XXXX ) C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX above mentioned ALLEGED " TITLE HOLDER CLAIMANTS '' are not the true title holder claimants on record and are attempting to deprive me ( i.e. XXXX : of the XXXX family, the Secured Creditor ) of my {$290000.00} promissory note, security, investment, and private/ personal residential family home in XXXX XXXX XXXX XXXX.I have no prior existing written contract with the above named alleged title holder claimants that they can prove on and for the records as true, complete and not misleading, under the risks and penalties of perjury that I am obligated to XXXX or must sell my house without my consent and valuable consideration. BREACH OF SECURITY. 

I have a strong compelling feeling and supportive reasons to feel that I am being extorted, embezzled, robbed, defrauded, deprived, racketeered, discriminated against, lied to, libeled, defamed, induced, and prejudged by the above listed alleged title holders. 

I am competent of what a contract is and I am aware of my will to choose good or bad, and to say yes or no. My no 's is no and my yes 's is yes. I do not consent means I DO NOT CONSENT. Coercion and duress is a crime. It breaks my heart to be put in this emotion wrecking situation and not know anywhere else to go for help and relief. 

I have absolutely no contract with the above alleged title holders and my name has been forged on fraudulent assignment sheets which I can furnish as proof if requested to. 

I have the original wet ink signed warranty deed of trust to the house although the original creditor ( i.e. XXXX XXXX XXXX ) has been breached do to a undisclosed conveyance of my promissory note which should have been applied to my liabilities pursuant to the XXXX, the XXXX XXXX XXXX XXXX XXXX, the XXXX, XXXX XXXX, XXXX XXXX XXXX, the Federal Reserve Act, the XXXX, the Negotiable Instruments Act, and the Bill of Exchange Act. This soo called " debt obligation '' has been paid in full and has been sold as a security asset in the secondary market/ the security and exchange market. Sincerely, family, In XXXX ALL RIGHTS RESERVED UCC XXXX
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employers : XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Specialized Loan Servicing Holdings LLC (OH)

SLS took over loan from company XXXX. all payments are up to date and have been completed as scheduled and on time. Company SLS has been calling claiming that they have not received the XXXX payment. I have sent proof that payment was made and have also had my rep from XXXX bank send copies of proof of payment as well as documentation of the wire transfer. SLS continues to call and harass as well as asking if there phone call was being recorded. They SLS stated that a XXXX way call was required with XXXX bank, SLS, and XXXX, this call was completed and all were in agreement that payment had been made. after a few days SLS started calling again wanting payment for XXXX and claiming that the XXXX way call never happened, and or information was lost. XXXX Bank has repeatedly called on my behalf and provided proof that Payment was completed to no avail, I believe the company SLS is trying to scam myself out of more payments as well as bogus late fees which are negative to my credit rating. Explained to Rep from SLS that I will take legal action. rep from SLS said go ahead.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation (IL)

I submitted a mortgage application with Fairway Independent Mortgage Corp and worked with Loan Originator XXXX XXXX XXXX ( License # XXXX, XXXX # XXXX ). The initial mortgage application was submitted on XXXX XXXX, 2016. I then paid for an appraisal on XXXX XXXX, 2016 in the amount of {$470.00}. During the 2 month process there was a lack of communication from the loan originator and then XX/XX/XXXX I was told that the loan was denied. I then left a voicemail and sent an email to the loan originator requesting a copy of the appraisal or to refund my {$470.00} appraisal fee. The loan originator never returned my call or email. I then received in the mail a Statement of Credit Denial from Fairway Independent Mortgage Corp on XXXX XXXX, XXXX never received a copy of the appraisal and since Fairway Independent Mortgage Corp is n't proceeding with the loan I feel they should be required to either refund the appraisal fee or produce a copy of the appraisal.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

received a call from one of XXXX  XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX  XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX  XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck
Consumer complaint received 2017-10-14
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 — Problem with personal statement of dispute
Company: ID Analytics, Inc. (IL)

Recently went into purchase a vehicle for my business. I was XXXX with my original credit chec. Then XXXX XXXX XXXX  reported an incorrect credit score. 200 points less than the three other credit bureaus. The intentionally report lower scores to increases clicks on a website and increase Ingres rate from finance companies.
Consumer complaint received 2020-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2016-06-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (UT)

I was recently contacted by Monterey Collections via US mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. 

Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX ( XXXX ), XXXX for XXXX that was performed on XXXX/XXXX/2014. As explained by my physician at the time, and clearly printed on the company brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk ''. I have sent, via certified mail, copies of the EOB from XXXX XXXX XXXX denying payment for service rendered. 

I have now received an alert from XXXX, the company who monitors my personal and financial information against fraud and identity theft, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I have made three attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left detailed messages and requested they return my phone call to discuss this debt. After no response from them I have mailed a cease and desist letter along with copies of all the information from both the insurance company and a copy of the original agreement with XXXX , XXXX as noted above. 

I have very good credit and have worked hard to achieve this. I am retired and proud to say that I do not have any current debt. I do not feel that it is fair that I may be forced to hire an attorney to resolve this matter when I feel it is a clear example of unwarranted consumer harassment.
Consumer complaint received 2017-07-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

This collection agency is reporting on my credit reports for a debt that has never been mine. Someone has used my information for an apartment that I have ever stayed at. If they did a skip trace, look at any recent inquiries or credit reporting reports this address has never been attached to me. I stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX from XXXX through XXXX. Then, I moved to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX where I am still residing. This is not my debt, I pay my rent timely. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything.
Consumer complaint received 2017-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This company called me numerous times on my cell phone at  XXXX  without permission, acted negligently by not checking the donotcall list. They also violated a cease and desist and called with the intent to annoy. We received a response from counsel blaming  the 3rd party c ollector which is no excuse.The company stated they are a debt purchasing company and this is no excuse as well. Most companies have to scrub the account and do their skiptracing properly. They did not. They called with intent to annoy. Plain and simple.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (KY)

Received a call from creditor in XXXX about collection informed them that this was the 3rd collection agency i have heard from creditor claimed they we're disputing with original creditor shows up on credit report call them they thought it was a joke and claimed i was only able to file a dispute by mail then hung up
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Duncan Solutions, lnc. (VA)

XXXX XXXX XXXX, XXXX is using extremely harassing tactics to collect allegedly unpaid toll on behalf of XXXX XXXX XXXX. I opened a XXXX XXXX XXXX account shortly after those were instituted. I have a payment card on their file since that time. Last year, my bank account got hacked and I had to get it closed. For a few business days, the card on file was not working. I updated my payment information on the account soon after receiving the new debit card. Unfortunately, during this brief period, my card ran out of {$35.00} required balance. Their attempt to charge the card failed. Shortly after I received a delinquency letter from the above mention collection agency mentioning that I have unpaid tolls and I have to pay fine. They sent the case to a collection agency without asking for any explanation or attempt to collect from a customer who has a payment method on file. I contacted XXXX XXXX and informed them with my situation. I was told to contact the collection agency. The agency does not provide any website address, email address or fax number. So, I called them. They offered me a discount on fine. I asked what fine? I did not do anything wrong and by having a payment method on file I am showing that I do not want to avoid tolls. I offer them to charge my card on file for the amount equal to the charge for missed tolls. They refused and gave me an option to challenge. Challenge can only be done via mail. I mailed the challenge. Later on, I got the letter mentioning that they could not process my petition because they do not have the necessary documentation. So, I printed my record from XXXX XXXX XXXX website and mailed them. I was waiting for a decision. In the meantime, I got another letter asking for payment, as if there was no challenge in the process at all. I request you to please, stop this harassment, as soon as possible.
Consumer complaint received 2022-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I have called NewRez LLC numerous times in regards to a credit dispute of a missed payment. The first inbound phone call, XX/XX/2022, call ended with a NewRez employee that incorrectly entered my account information for an ACH transfer causing a payment to not go through and become late. The second phone call XX/XX/2022 from NewRez to collect again ( due to the first ACH wire transfer not going through ) failed because they again used the incorrect account information entered by the first employee. The XXXX key on the original employees keyboard was not registering and the error was not caught by her or the second employee The account number was missing both XXXX. I was told that XXXX XXXX would listen to the recording, remove the late payment fee and wipe the credit score report. This never happened, the email was never responded to and I was left with impacted credit and late fees. From this point on all contacts were initiated by me, hours of my time spent waiting on hold only to get a different story after each phone call. They weren't even sure what month was actually late at that point. 

I have now paid 2 late fees and suffered a credit drop impacting my ability to do business. The communication from NewRez is non existent and phone calls usually end with the employee telling me to log in to their website and self service my loan. I have now requested a paperless account numerous times both over the phone and on the companies website due to our mail being un-reliable. It has never gone through, this entire situation could have been avoided if my requests for email servicing would have been taken seriously.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From Emergency Physicians Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}. 
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information. 

I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX
Consumer complaint received 2023-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XX/XX/2023 someone charged XXXX and XXXX transaction fees and XXXX for tax. i filed a fraud complaint with Bank of America and they denied the claim. I filed A claim with Sheriff Dept. in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

From XXXX, I attended a private college, XXXX XXXXXXXX University XXXX and borrowed an Original Principal of {$26000.00} through Navient/Sallie Mae and co-signed with my mom with apparently a variable interest. 

My mom and I paid {$33000.00} from XXXX, before I refinanced with XXXX. But somehow I still owed to Navient, {$40000.00}, which XXXX took on. Now that loan won't end til XXXX where I will have paid {$71000.00} to XXXX. 

How is this not paid off by now? 

I have XXXX and XXXX about where my life is because of this single year of school. I can't buy a house let alone save up for one simply because of the private loan practices of Navient/Sallie Mae . 

What am I supposed to do? Pay {$100000.00} to pay off {$26000.00} that I originally borrowed? 

Please help.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Previously the XXXX account was stale reporting XXXX XXXX and my mortgage lender requested a credit supplement. I provided TU with documentation showing updated account balance of {$0.00} ; however, they did not update accordingly. Currently the reporting is 60 days stale showing last reported XXXX/XXXX/XXXX. I have provided a XXXX/XXXX/XXXX statement with the redispute XX/XX/XXXX but they have not yet updated the account to reflect accurate reporting.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

received a call from one of XXXX  XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX  XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX  XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of XXXX XXXX breach and my information was compromised. You are reporting inaccurate and unverifiable information on my consumer report. please reinvestigate the account and remove immediately. 



I Declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes A FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under 18 U.S.C. 1621 This item found within my credit report is not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character and has severely affected my livelihood.
Consumer complaint received 2016-08-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (AZ)

GM Financial has not released a lien on my vehicle. I paid them the balance of the loan via XXXX XXXX as requested by the company and per their company policy they stated the lien release would happen in XXXX business days. GM received the balance of the loan on XXXX/XXXX/16, per their customer service rep. and it is now XXXX/XXXX/16, and the Arizona Motor Vehicle Dept. still has not received the lien release electronically. GM 's rep. states it was done XXXX/XXXX/16. I received a notorized Lien Release letter XXXX/XXXX/16, and contacted the AZ MVD and they state they have not received an electronic lien release from GM.