davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (IL)

When the housing market took a dive my family and I was affected. We were told to contact the State 's Attorney 's office which in my state of Illinois is XXXX XXXX. We submitted documentation of what happen and to no avail which now is years passing nothing has happen. I kept all original documentation also, email them and no-one has responded. The problem is when things are on your credit you ca n't get any assistance. The lending company we were with was Option One a predatory lender of XXXX XXXX who to this date is still in business. Also, in the state of Illinois I thought a house could n't be sold if there were liens against it. Well that property was sold and now the XXXX mrtg or whatever was taken out against it has been transferred to someone else called XXXX XXXX and it is on the credit and is ruining everything. I have in my possession letters written to modify the mortgage also, there was an offer and it was denied which forced a foreclosure to the home. It 's very hard to move forward with your credit in a disarray. Any help or direction you can provide for my family will greatly be appreciated.
Consumer complaint received 2022-02-08
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. (MI)

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2700.00}
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I did a credit card deferral since XX/XX/2021 though XX/XX/2021 ends on XX/XX/2021 and Bank of America closed my account as a wrongful error and the customer service will not help me resolve my issue due to a error on my report and i paid my credit card on XXXX the XXXX
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Consumer complaint received 2024-02-15
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. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

To whom it may concern : We recently contacted our Mortgage company on XX/XX/XXXX of this year XXXX. I needed my interest statement for TY XXXX and XXXX, they did provide. My husband and I have been considering refinancing our existing mortgage. One of the lenders in whom we spoke with asked us for a recent Morgage statement. I proceeded on XX/XX/XXXX to log into our Morgage Company 's website to obtain this information. To my surprise, I was unable to login. XXXX XXXX XXXX without hesitation, I assumed the kids, phones, tv was making it difficult to log in and I'd try again in my office in the am. I spent the majority of the next day trying every avenue of the web looking up our Morgage Comp. I referred back to our " large '' file of paperwork to find a phone number. I made my husband aware of our difficulties and gave him several numbers as well to call. To our surprise with both of us attempting to contact them all lines have been disconnected. We then preceded to go into panic mode. I then emailed the lady in whom last emailed me with our interest statement and that too came back undeliverable. How are we to make a mortgage payment in XXXX? Do we contact an Atty? We're lost and so here I am writing to you- Please advise, Our Mortgage Company has disappeared. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company : SN Servicing Corporation XXXX Bounced back email undeliverable : XXXX and Email : XXXX Website : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OR)

Transworld Systems Inc continues to call the above number, 1x to 2x a day after I communicated to them that there is no one at this number by XXXX XXXX ( spelling?? ). They continued to call daily for 2 weeks after I communicated this to them. I spoke with a XXXX XXXX at Transworld today XX/XX/2017 and again answered the same question that there is no one here by the name they are asking for and to stop calling this number. I work nights so the continued phone calls are most disturbing and a form of harrasment in my opinion.
Consumer complaint received 2016-05-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$840.00} for a charged off XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper left side of their correspondence to me, dated XXXX XXXX, XXXX. PRA has never extended credit to me. 

On XXXX XXXX, XXXX I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, XXXX, again stating they purchased the account, the balance was {$840.00} and that the seller, XXXX XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, XXXX I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX XXXX reported on my personal credit reports is {$770.00}, {$66.00} less then PRA is trying to collect. I followed up with a letter to PRA, dated XXXX XXXX, XXXX, informing them of the discrepancy including copies of the original account from my credit reports. They responded with a letter and XXXX random XXXX XXXX credit card statements. The most recent of the XXXX had a balance of {$660.00}. Their letter simply states they had reviewed the attached documents related to this account, which establish its validity. What? They completely ignored the balance discrepancy. XXXX XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OH)

I had XXXX as my mortgage company and made payments ot them and only some of the payments were submitted to principal and the rest was held in an account so that it did n't go to principal. The interest was paid and then a small amount of principal. Call regarding this sent a complaint to XXXX XXXX but nothing ever happened. The company is terrible and took from people when setting up the mortgages.
Consumer complaint received 2015-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

IndyMac/ One West / Douche Bank committed fiduciary practices and illegal XXXX signing. 
I was paying {$5000.00} a month for a {$420.00} dollar loan. When I ask them to restructure my loan to reduce the monthly payment and receive a lower interest rate, they told me the only way would be to default on my loan. At the time I owned a transportation company that was doing well until XXXX and the gas prices started to increase and airlines were filing bankruptcy. In order to adapt to the changes, I needed to restructure the business. After questioning IndyMac 's offer to default on my loan to reduce payment. They convinced me by telling me nothing will be affected, and I would only have to default on XXXX payments, in order to receive a loan modification. Well here I am about to lose my home that I worked so hard for. My business was ruined after I missed the XXXX payment. As soon as my creditors found out I had missed my payment, that was the beginning of the end for my business. I lost everything because of my lender, and have been fighting for my life, my whole world changed and my wife and children have suffered andsacrificed to try to stay in the home they grew up in. I even tried to hire a attorney from The XXXX XXXX XXXX XXXX who ended up in receivership after one and a half years. One week before they told me that I had a 90 % chance of recovering damages from a tort litigation law suit in my name that is still filed in NJ court system. I received a email from the Florida district attorneys office informing me that myself and XXXX XXXX of there clients have just lost XXXX XXXX dollars each, plus monthly fees totaling millions to these criminals. They were a legitimate law group before I gave them our last savings, including my Son and Daughter 's college savings and then they screwed us. I even checked them out with Congressman XXXX office and Senator XXXX XXXX office. Indy Mac and company ruined my life, business and my family 's future. This is the short version, I was also audited by the IRS and XXXX after the default and had to file Chapter XXXX lost my business that I worked and sacrificed so hard to build. I have worked form the age of XXXX with my family business and was thought to work hard and be honest. With all of this happening and more my father is XXXX and my mother has XXXX. I cant make this up, I just turned XXXXyear old and have been fighting every day for the past several years. 'PLESE HELP ME SAVE MY FAMILY ' I am tired and frustrated I have worked hard all my life, XXXX trades and always tried to teach my kids about being helpful, respectful, and if you work hard good things will happen. I have XXXX great kids who are doing well academically my daughter is XXXX and my son isXXXX I have nothing left for them but hope. 
Thank You
Consumer complaint received 2021-10-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I will attach a letter further detailing what went on, but basically, I bought a new car, the dealer never terminated the insurance with the old car, my new insurance guy said to ignore it as it will automatically be taken care of. I did that. Then months later I was informed the bill, which I don't owe, was sent to a credit collection agency and they've put the false debt on my credit report, thus damaging my credit. 

This is the 2nd time XXXX has screwed me over which is why I'm taking this issue to you after having a 2nd effort with the XXXX to resolve this new issue unsuccesssfully. 

I have provided ample proof I do not owe this debt and resources for them to call to verify which they have chosen not to do. I do not owe this debt and want it off my credit report now.
Consumer complaint received 2016-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (TX)

The debt collector calls everyday repetitively all day on a debt that I do not recall. The amount they are requesting is XXXX from a XXXX and XXXXfrom payday XX/XX/2009. 
# XXXX Fax # National Credit Adjusters Contact # XXXX
Consumer complaint received 2016-02-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kansas Counselors, Inc. (MO)

I was checking my credit and saw it decrease drastically and there was an account in collections claiming I took an ambulance to the hospital. I called and sent them a dispute after I was informed that was the thing to do. After a month passed, AFTER I 've mailed and faxed my dispute letter, Kansas Counselors , Inc are still stating they have n't received my dispute letter. I mailed and faxed the copy with the information they gave me. I 'm pretty much at a standstill on what to do.
Consumer complaint received 2023-03-17
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. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena.

2. In accordance with the written instructions of the consumer.

3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; Use of Consumer Reports for Employment Purposes Section 604 ( b ) ; 15 U.S.C. 1681b ( b ) Section 604 ( b ) has specific requirements for persons, such as financial institutions, that obtain consumer reports of its employees or prospective employees prior to, and/or during, the term of employment. The FCRA generally requires the written permission of the consumer to procure a consumer report for employment purposes. Moreover, the person must provide to the consumer in writing a clear and conspicuous disclosure that it may obtain a consumer report for employment purposes prior to procuring a report. 
Prior to taking any adverse action involving employment that is based in whole or in part on the consumer report, the user generally must provide to the consumer :
Consumer complaint received 2017-04-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Citi Management Group, LLC (OH)

I and my mother have been getting calls from a man at  XXXX . He says his name is Mr  XXXX  and he left a number  XXXX  ext  XXXX . He is saying I owe a debt but will not say to who. He is very loud and angry and even said " you are  XXXX   years    old.  You are too old for this. '' He called my work phone twice today and asked to speak to my supervisor.
Consumer complaint received 2016-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

On XXXX/XXXX/2014, we paid {$2100.00} on Ocwen 's website. This payment was deducted from our checking account on XXXX/XXXX/2014. We also signed up for automatic withdrawal to start on XXXX/XXXX/2014. 

On XXXX/XXXX/2014, an unauthorized withdrawal of {$2100.00} was made by Ocwen from our checking account. This caused our account to be overdrawn and charged a {$35.00} fee. After contacting Ocwen they reversed their mistake by redepositing {$2100.00} back into our account. 

On XXXX/XXXX/2014, Ocwen made another unauthorized withdrawal for {$2100.00}. After contacting Ocwen, we were sent a check for {$2100.00} which we received. 

Since then, despite giving Ocwen all the documentation from our bank they have asked for, Ocwen has been unable to locate or acknowledge they have {$2100.00} which was our original XXXX 2014 payment.
Consumer complaint received 2015-06-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (CA)

I see that on my credit report I have a collection accout for {$1800.00} for GE Money Bank in which I dont owe a debt to a GE money bank I have received no correspondece I reported this to the credit burea as a result the open collection is now closed but closed with a balance of {$1800.00} I have never had a creditor on my credit with the name GE money Bank
Consumer complaint received 2015-10-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AFNI INC. (CA)

As of XXXX XXXX, XXXX, AFNI , Inc has failed to remove their Collection Claim Repor to Credit Reporting Agencies for my disputed and expired XXXX XXXX, XXXX XXXX Bill of {$220.00}. 

AFNI 's Claim ( Account # : XXXX ) expired XXXX under California Statue of Limitations XXXX XXXX & XXXX ( commencement of action within four years upon any contract ) AFNI , Inc 's Debt Verification : XXXX XXXX, XXXX XXXX XXXX Account Number XXXX '' Amount Due '' / " Quick Bill Summay ''
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 convictions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-10
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2018-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2017 I was notified by a credit monitoring service that your agency placed an account on my credit files for collection. I have not received a dunning notice or had any communication with Commonwealth Financial Systems, which is a direct violation of the FDCPA Section 809 ( a ) because your agency never contacted me within 5 days of initiating collection activity against me. More so, it is also a direct violation of Florida Statute 559.715 because I was never given a written notice of bill assignment at least 30 days before any action to collect the debt.