davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

In XX/XX/XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an HSBC account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XX/XX/XXXX. The last one being XX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe XXXX XXXX XXXX has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. XXXX XXXX XXXX has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

XX/XX/22 I informed all three bureaus to remove my fraud alert by mail and I enclosed all proof of identity documents. They still haven't removed the fraud alert. 

I've also called the various bureaus multiple times to have this removed over past 2 months and no bureau removed it. 

I didn't even ask for a fraud alert. 

They just need to remove it. I already sent my ID, SS card, and proof of address to them a week ago.
Consumer complaint received 2022-09-08
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. (WA)

The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX Account has reported incorrect amounts, payment history and information on the account. The XXXXXXXX XXXX company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my XXXX report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX Acct. # XXXX, and XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2017-09-23
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: TENET HEALTHCARE CORPORATION (FL)

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Syndicated Office System
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-04-25
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. (TX)

Spoke with Transunion representative  XXXX  for my case file #  XXXX  and she did not assist me in removing Inquiries that I have not place on my credit file :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (GA)

OCWEN LOAN SERVIC  E,   XXXX   XXXX   XXXX  FL.   Paid {$2000.00} from  XXXX  to  XXXX   XXXX  for  Ocwen 3  month payment pla n Agreement   XXXX / XXXX / XXXX  paper signed for payment plan. late  XXXX  another paper was signed to accept  Modify was ap prove by  Ocwen Loan  service. paid by ACH wire on  XXXX .      Ocwen Loan Service .  XXXX   XXXX  letter saying your in default and modify not approve.   increase payment from {$500.00} to higher amount. This has been going on Since  XXXX  to  XXXX  payment plan is not working they are wrongfully taken my funds. I have file many complaints On wh ole two y ears of payments not posted, mail copy sent copy in  XXXX , this still not fix by  Ocwen..Statements  WAS mail  8 time in las t 5 years to fix.     My New home in  XXXX  was bought  1st  home b y  XXXX   XXXX   th is for Year , then transfer t o Homecoming,    GMA  C, Ocwen t ook over  XXXX . No w Ocwen r eported to agency that  Ocwen m y loan since  XXXX   XXXX  Which  is false Agenc y said it was reported by GMAC person ..I wanted  my funds b ack if OCWEN is not modify m y loan.     THIS OCWEN PROBLEM HAS BEEN GOING ON NOW FOR 6 YEARS. OF FALSE INFO B Y OCWEN LOAN SERVICES. NOT APPLYING PAYMENT, CHARGING FOR SENDING SOMEONE TAKE PICTURE OF HO USE FOR  XXXX  TO  XXXX , MISAPPLY PAYMENT FOR YEAR AND HALF. MY ACCOUNT STILL NOT FIX. WITH THE CORRECT AMOUNTS : AFTER SENDING STATEMENT  XXXX  TO  XXXX .      Ocwen  Email :  XXXX   XXXX ,  XXXX  Loan Number :  XXXX  Property Address :  XXXX   XXXX   XXXX    XXXX    XXXX , GA  XXXX  Dear  XXXX   XXXX  :  OCWEN receiv ed a payment on  XXXX / XXXX / XXXX  for the amount of {$500.00}.   Sincerely, OCWEN  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ( Do not send correspondence or payments to the above address. ) Dear  XXXX , We have noted the account with the information you have provided. The Home Affordable Modification Prog ram ( HAMP ) Strea mline third trial payment was received on  XXXX   XXXX ,  XXXX  and the trial modification plan is now complete. Please allow time for us to finalize the modification.     With regards to your concern about the Tax disbursements and the transaction history, we apologize for any inconvenience this matter  may h ave caused. We will send you a copy of the payment history and you should receive it by email within  three d ays.     To formally dispute your transaction his tory with Ocwen, plea se send a written request along with any supporting documents t o our Research Departm ent.The fax number for o ur Research D epartment is  XXXX   XXXX   XXXX   XXXX . You can also send your correspondence by mail to the following a ddress : Ocwen Loan Servicing, LLC  Attention :  Research Departmen t  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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: EQUIFAX, INC. (CA)

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX XXXXXXXX XXXX account XXXX  account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX  XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX Also the following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (IL)

Dear sir/madam I had a credit card account with CHASE BANK, Due to some personal issue I was unable to make my payment for some time but later in the year XXXX a collection agency sent me a letter on behalf CHASE BANK, The collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until now CHASE BANK still have it on my credit report that I am still owing the debt. This XXXX XXXX as I tried to apply for credit card, there I found out that CHASE BANK still have it note on my credit report that I am still owing them debt I already paid. I attached a copy of the letter sent to me from CHASE BANK after I applied for a credit from chase this XXXX XXXX and a copy of the note on my credit report regarding the payment.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Godwin-Jones & Price, P.C. (VA)

Hello, I was a tenant at XXXX XXXX in XXXX, Virginia, with an excellent record for several years. Even when recovering from a XXXX and living off savings to heal, I remained current with my rent payments. However, around the time COVID appeared and I was trying to interview to start working again, my savings had dwindled. I had communicated with management at the property and let them know I was waiting on my tax refunds in XX/XX/2020 and would be a few days late with the rent. They chose to take me to court for just that one missed payment. The shutdown hit a month or so later, and I was communicating with them throughout it all. Fortunately with the moratorium on evictions in VA, I was able to stay in my home. When that moratorium was lifted, the community promptly evicted me in XX/XX/2020. I still wasn't working and therefore was basically homeless, though some great friends opened their homes to me until I was offered a position in XX/XX/2020. Once I started working again, I have been steadily paying the balance down to what I owe this entity through their attorney. Even attorneys I spoke with for advice throughout the situation, and the one collecting the debt, told me they could tell how I managed my money well and that the management company was very unethical in their dealings with me. My purpose today in contacting you is to find out if there's any way that this debt can be forgiven or at least reduce the attorney 's fees that they've now tacked on. When I started paying the debt earlier this year, the attorney told me that my balance was around {$6000.00} and that she had not even received the move-out statement from the community. I made a payment earlier this week - and the attorney commended me for the fact that I was making substantial payments, even while paying to stay in a hotel and keep current with other bills. My credit report just started reflecting this debt ( with an additional amount for the attorney 's fees ) although I incurred it and was evicted almost a year ago AND during a period in which a lot of people were experiencing this situation. The management company ( which was XXXX XXXX XXXX & XXXX at the time I lived at XXXX XXXX was never willing to work with me, ignoring all my requests for help and now are dragging their feet in providing up-to-date information about what I actually owe them. Any advice you can give on how to settle and put this behind me would be greatly appreciated. Thank you.
Consumer complaint received 2017-09-23
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: EQUIFAX, INC. (CA)

During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. 

They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. 

They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports.
Consumer complaint received 2017-09-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank, the original creditor of Gap credit card sold an " unknown '' old debt to a debt collector XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). I closed this account in XX/XX/XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called Gap card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

XXXX turned it over the XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. XXXX XXXX  sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XX/XX/XXXX and all of a sudden they called me early this year XX/XX/XXXX to tell me that I owe them. After 5 years??
Consumer complaint received 2017-07-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MD)

I was pressured by a third party to get this loan with guaranteed job placement once graduated. I am thousands of dollars in debt. Navient has a class action law suit. The penalties are through the roof. I believe that this was fraudulent activity
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

I have no idea what this is?? 


I have asked this company and the credit bureau for VALIDATION OF THIS DEBT, yet non has been provided. 

1 I have never had an account with a company named : XXXX XXXX XXXX 2. They are reporting on XXXX date last active is XX/XX/XXXX and on XXXX  XX/XX/XXXX. 3 years difference!!!! 

3. If XX/XX/XXXX is date last active, why is there no payment History?? 


This is not my account please Remove Immediately!!
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

i am sending you a copy of my payoff loan from XXXX XXXX XXXX. the payoff check was cashed by Ally Bank on XXXX. Ally Bank only applied XXXX to my account instead of the full amount of the check {$18000.00}. please correct this error by Ally Bank and close my account. ally Bank has already affected my credit worthiness as i have dropped XXXX points on my credit score which they also need to correct by sending credit bureau that this account is closed and paid in full. i was told Ally Bank that this would be cleared in 10 days on XX/XX/2022. well its been 10 days. i am willing to report this matter as a fraudulent act by Ally Bank as they still have not credited my payoff amount to my account and closed this account. also since they have not sent paper work to California XXXX. showing the new lien owners as XXXX XXXX XXXX they are in violation of that procedure by the California XXXX They need to correct their accounting error and apply the full amount and close my account. they need to contact the credit bureau and clear my credit report to show i am in good standing with my creditors. send the proper paper work to California XXXX to transfer lien title to XXXX XXXX XXXX, I have been dealing with this since XX/XX/2022 i have sent them proof of the the payoff check many times and have chatted with someone on their web site many times i have called and repeated their error to someone many times No results as of XX/XX/2022
Consumer complaint received 2017-09-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX, the original creditor of XXXX credit card sold an " unknown '' old debt to a debt collector XXXX XXXX  XXXX XXXX ( https : //www.portfoliorecovery.com/ ). I closed this account in XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called XXXX card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

Portfolio turned it over the XXXX XXXX XXXX XXXX XXXX  located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for Portfolio Recovery , Associates and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. Portfolio recovery sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XXXX and all of a sudden they called me early this yearXX/XX/XXXX to tell me that I owe them. After 5 years??
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian, once again, makes it impossible to deal with them online, and insists that every service they do n't find sufficiently lucrative be conducted by snail mail. Their excuse is specious : they ask 4 questions to " confirm my identity '', two of which I can only answer " none of the above ''. They are typically about bank or merchant accounts. They offer 4 names each of banks or merchants that I am supposed to have an account with. I never have heard of any of these merchants or banks. I know from experience that this is not due to somebody using my name to open credit accounts I know nothing about : it is due to Experian either disguising or entirely making up the names of the banks/merchants so they do n't have to do business with me online. This happens usually when I order my annual credit report online. It has now happenend for my request of a security freeze after the XXXX hack. I tried using their application to upload documents, tried to upload my drivers license, to prove my identity. It does n't work, gives me an error message that only pdf 's are accepted, when I was trying to upload a pdf.