davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On XXXX XXXX, 2015 I received an email from a XXXX XXXX regarding " renting '' my home that I am currently living in. She said she wanted to know if it was still available? Left her email and phone number for me to contact. Upon contacting her I advised her that my place is not for rent and demanded to know where and who she obtained my personal email, name and phone number from. She said she joined a website called date.capitol and that my property was listed by my mortgage company. My mortgage company is Ocwen and my mortgage is currently current. Two months prior I had been late with my payments, but since then I have brought the account current. I immeditaly contacted Ocwen to find out if they had my account in a foreclosure status because the date.capitol website indicated that they dealt with foreclosed properties?? Of course, they told me that my account was current and that they would never sell my personal information. This is NOT true, how else would this company receive my personal information, email and cell phone. Ocwen has that information is selling homeowner information to fraudulaent websites and companies. I am very concerned about dealing with Ocwen and this person contacting me to inquire on renting my house? Ocwen is giving my personal information as if I 'm getting ready to foreclose and selling my information to fraudulent companies. I need help in investigating this. Again, the lady I spoke with said she joined this website for {$120.00} and was told that the information is inside info coming directly from the lender! In this case OCWEN.
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (FL)

This company began sending collection notices regarding a XXXX bill in mid 2015. I immediately contacted XXXX to find out what was going on. They had no record of my having any outstanding balance, and in fact all my payments were auto-draw from my credit card account, which I still have in spite of my moving from Alabama in 2015. It would be unlikely that they would have missed their opportunity to draw, even if there was some amount owing. I informed the company, Credit Management LP in XXXX, TX, and heard no more until this last spring, where they repeated the demand. I responded in writing this time, and told them that they had to prove it, and to echo their demands of 30 day compliance, I gave them 30 days to respond. Today I received another demand. No explanations, just another demand. I do n't know what sort of powers they have to affect my credit rating, but should that happen, I will be forced to contact an attorney. In summation, this is a demand of which I am not familiar, of which XXXX seems to know nothing, and to which the Credit Management company does not respond as their own letter proscribes that they will and must. Can you be of some help with this?
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint Mortgage Servicing sent letter dated XXXX/XXXX/15 advising that we have not provided all documentation for loss mitigation program. I have questions and I have called XXXX XXXX at Shellpoint every business day for six days. Her voice Mail says she will return the call within 24 hours. She has not returned my calls. Her message says press XXXX for further assistance when I press XXXX the message says No one is available to help you, call back. Shellpoint has given us a deadline to submit documents yet it has been six days of daily telephone calls and leaving messages with NO RETURN calls from XXXX XXXX or anyone else at Shellpoint Mortgage Servicing.
Consumer complaint received 2021-01-26
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. (VA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2016-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NJ)

IN 2015 escrow analysis the servicer ignored the prelim and actual tax assessment from the township creating large underpayment to escrow. Upon the next year escrow analysis the escrow payment is drastically increased per month due to previous years underpayment. I erroneously made the same payment I was making but within two days made up the difference. The differential payment was made well ahead of the grace period. I continued to get late notices since then because the partial payment was applied to principal and not my monthly payment so my principal has been paid down but I am now considered to be behind by a month. Fortunately I was in a position to withstand this dramatic monthly increase in my payment but even I will be adversely affected if I need to make an extra full mortgagee payment to correct their numerous errors. I brought this to their attention but they responded by ignoring the discussion on the phone where they agreed there was an error on their part.
Consumer complaint received 2015-06-19
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

XXXX XXXXConsumer Financial Protection BureauRe : XXXX XXXX XXXXDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company XXXX XXXX XXXX that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,
Consumer complaint received 2023-03-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (PA)

Fay Services has not paid my school taxes on 5 properties for XXXX and I will be going into collections on XX/XX/XXXX. Ive had nothing but several issues every single month with this company with traces or insurance. I contacted them XX/XX/XXXX. I spoke to 3 different people and got no where. No one could help me. I emailed someone and I have not heard back from them. They have also placed wind insurance on my mortgage for {$690.00} a year. They never asked me about it or sent me any documentation. According to my insurance company, I am covered for wind insurance and should not be paying the extra charge. 

Fay services XXXX XXXX XXXX XXXX TN XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

After reviewing my Consumer Credit Report, I observed that your agency is in violation of multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) related to the furnishing of reports in credit or insurance transactions not initiated by the consumer ( Inquiries ). According to the mentioned code : A consumer reporting agency can only provide a consumer report in connection with a credit or insurance transaction not initiated by the consumer if : ( A ) the consumer authorizes the agency to provide the report, or ( B ) ( i ) the transaction involves a firm offer of credit or insurance. 
Furthermore, regarding inquiries, a consumer reporting agency is prohibited from furnishing a record of inquiries in connection with a credit or insurance transaction not initiated by the consumer, except as provided in section 1681g ( a ) ( 5 ) of this title. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), in the case of liability for obtaining a consumer report under false pretenses or without a permissible purpose, the consumer is entitled to actual damages or {$1000.00}, whichever is greater, and punitive damages as allowed by the court. 

I did not initiate any of these inquiries, and if you believe otherwise, please provide copies of my written signature giving consent to this matter.

I request the removal of the items listed below from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681n ( b ), I believe a natural person 's civil liability has been violated. We have already reported this matter to the Complaint portals of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

For any questions or additional information, please contact me at the address listed above.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX 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 - ; XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; 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 ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$50.00} XXXX
Consumer complaint received 2018-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (WA)

My deceased wife had opened several accounts in my name without my permission. I was unaware of these accounts until I applied for a home loan and saw them on my credit report. These accounts later turned into collections and caused my credit score to go down and now I can no longer qualify to purchase a home. 
The accounts were XXXX XXXX, XXXX XXXX, and 2 XXXX accounts ending in XXXX, and XXXX. I had already paid off 2 of those accounts and will provide a letter of proof that these accounts were paid. 
I have enclosed the FTC Fraud Alert for the 4 accounts, death certificate, Letter from XXXX XXXX, Bank statement showing XXXX XXXX being paid in full for {$380.00}, and XXXX XXXX  being paid for {$280.00}
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I had sent an Monthly Payment for my Mortgage Payments to the Wells Fargo Home Mortgage from my Checking Account at Wells Fargo Bank in XXXX TX. This was a regular thing for me. This instance happen in XX/XX/2012. Eversince then Wells Fargo Home denies receiving it and Bank says they have sent it. They have Slept Interest, Late Charges and my XXXX payment to close XXXX and they constantly harass me to get this money from me. Can Your Agency help me get the redress from this Big Bank and save my Credit.
Consumer complaint received 2019-02-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

Dear Sir/Madam The following companies bellow, have respectively put a collection notice for two different amounts on XXXX XXXX dated the XX/XX/2019 Claiming I owe this debt that I have no recollection, nor any business transaction with said companies. If this was an old dept that was from years ago, I would like to know why now? why does it show up on my credit report a week ago without any notice. I am in the process of buying a house and now my credit is damaged, down by 27 points due to this unexpected reporting. These two companies have to show proof of contract with my signature, that prove I have any direct transaction with them respectively. I never received any communications with them via mail nor have I received any phone calls discussing any old dept. To your knowledge there has never been any correspondence from original creditor nor these collection agencies, that show in writing any amounts due. This is the first time I see these collections that showed up in my records last week. I need these two companies out of my record as they have in my opinion broke some state laws or statutes. 

Her are the two companies in question. 
Creditor Information *Creditor Information CAPIO PARTNERS XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Collection amount {$1200.00} *Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Collection amount {$580.00}
Consumer complaint received 2019-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XXXX.I am being turned down for lines of credit do to all of these inquiries on my report..
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AZ)

Equifax has been good about real investigation and having items removed. 
The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! 
Kind Regards, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (NY)

In an attempt to get the pay off figure I wanted to know who held the note for chain of custody. All so my personal information was shopped ny the bank and or dealer to several third party agencies without my express written consent. I was given no opt out paperwork within the rescession period and to my knowledge my agreement is being used as security that also fall within XXXX violations because full disclosure was not given as to the performance of the contract and would have my personal information
Consumer complaint received 2021-11-05
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: CCS Financial Services, Inc. (PA)

Reviewing my credit report I found a collection account for an alleged debt I do not owe. This account was created in my name and attempted to be collected on which is identity theft. Outside of that there would have been no written consent for this to be furnished on my credit report under 15 U.S.C 1681b ( 2 ). I am deeply distressed by the defamation of character this has caused.
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (NJ)

For the XXXX time, McCarthy Burgess & Wolff is attempting to collect a debt on behalf of the XXXX XXXX XXXX that I do not owe.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

The amount in questions has been paid. Charge created from a Tenant. In accordance with the fair credit reporting act, the list of accounts below has violated my federal protective. Consumer rights to privacy and confidentiality under 15 USC 1681. Account name ( s ) : XXXX XXXX XXXXXXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 US C1681, section 604 A Section 2 : States a consumer reporting agency, can not furnish the account with them out without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of conviction of crimes, which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.
Consumer complaint received 2022-01-04
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)

Numerous and unaccounted for inquiries on my current credit reports which I have no knowledge of and have pursued this with Credit agencies without success. Could you please present me with a solution for eliminating these inquiries ( 12 ) from my credit report. Derogatory remarks which are directly related to a worldwide disaster in which I had no choice due to a pandemic, is this how our Government treats it's citizens. Thank You XXXX XXXX
Consumer complaint received 2019-02-25
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: CHECK INTO CASH INC. (AL)

I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XX/XX/XXXX.I am  being turned down for lines of credit do to all of these inquiries on my report..
Consumer complaint received 2016-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (TN)

I get frequents calls from collection agency asking to paid a bill that I do n't have any idea about it. I do n't have any record or bills about this company. I am not keeping answering calls from this collection agency who tried to scared me and intimidate me on the phone.
Consumer complaint received 2015-06-08
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: CNG FINANCIAL CORPORATION (CA)

This debt is from 2011, a loan from a check cashing company. I became XXXX in 2011 and was laid off not too long after that, When I went into the check & go store, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.