davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Advanced Collection Bureau, Inc. (FL)

ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Fl. 
XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ADVANCED COLLECTION acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Analysts of MN, Inc. (MN)

I opened my credit report and found this collection PROFESSIONAL CREDIT ANALYSTS, which I was never notified of, it is an account that is reported without validating and I am being affected in my credit, they can not report an account without notifying me.
Consumer complaint received 2017-02-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Since regulatory action was taken against this agency in XXXX 2015 by the CFPB for inconsistent information, the validity of any alleged debt produced by this organization should be called into question. An attorney has reviewed any of my alleged debts and has advised me that I am judgment proof. However, this company decided to obtain XXXX XXXX XXXX to collect on an alleged debt owed to XXXX Bank/XXXX ending in XXXX. They proceeded with a XXXX XXXX XXXX, NJ, XXXX for a total alleged amount of {$2000.00}.
Consumer complaint received 2022-02-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, I wrote a verification letter to all three credit bureaus. both XXXX and XXXX responded and deleted the unverified records. Transunion did not respond. I sent my verification letter on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not receive a response or notice to investigate the letter. I reach out to the creditor of the accounts that I requested Transunion to verify and the creditor couldn't verify which means Transunion should delete the account just like XXXX and XXXX. Transunion is breaking the fair credit reporting act and it's affecting my personal life
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Hello, my name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, these accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts.
Consumer complaint received 2016-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southern Management Systems Inc. (NY)

I finished my XXXX to XXXX lease this company is trying to state I owe when I do not. I disputed and received some stuff but it does not support the data they are trying to state I owe for. First they state I owe XXXX XXXX which I rented from XXXX XXXX and finished my whole lease. Please help
Consumer complaint received 2015-08-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (TN)

Flagstar bank did not pay my home owners insurance from escrow account for 2014. The only way I found that out, having to file a claim on house damage. Instead of assisting to get the damage fixed, they assigned me forced insurance, and I have been denied from their insurance company, while I would have had it taken care of with my original insurance company. Now, no one will answer e-mail or phone calls and my house has XXXX of dollars in damage.
Consumer complaint received 2016-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (FL)

DIVERSIFIED ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DIVERSIFIED or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DIVERSIFIED or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I have spoken to Navient Student loans about my upcoming payment increasing. I am trying to get ahead of the issue and get the opportunity to stay in good standing with Navient on my student loans. They are telling me that there is nothing they can do to lower my loans, so, it ' like setting me up to fail and go into default. There should be some kind of program that they offer ( since they blame every decision they make on the Department of Education ) to allow a student an opportunity to pay less, even it's for a dated time. I am going through a hardship and if I am forced to make a higher payment that puts my housing in jeoparady, transportation in jeopardy, and then my job. I am not asking not to pay, I'm just asking for my loan payment to stay the same for a little longer until maybe I come up for a raise next year. Or something that could assist me to be able to increase my payment some. They make it difficult for students to NOT default. They don't really care if they survive or not, but, in order for a person to be able to stay in good standing, as myself, we also have to survive. Why is it necessary to have such strigient guidelines, it helps no one if the person goes into default. So, I am asking for a review of my loan.
Consumer complaint received 2015-06-18
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: FIRST NATIONAL BANK OF OMAHA (NE)

As a new home buyer trying to purchase a XXXX ( Seller ) through First National Bank of Omaha ( Lender ). Neither Seller/Lender communicated clearly what need to be done to locking in a interest rate. In addition, It appeared that Lender intentionally delayed the loan approval process to go beyond the XXXX day lock in period. 

I had just recently been approved by the Lender for a mortgage that fell through because of the appraisal, but they continued to come up with reasons for delaying the new loan request. Also, between loans they where inconsistent on how to lock in the interest rate. The XXXX loan was through a form, the new loan with Seller needed to be locked in via email. 

Now due to my contract with Seller, I have no options to protect myself from this Lender and have to continue the process no matter what the Lender decides to do, even at closing. Of course, I 'm sure the Lender was completely aware of this when I tried to dispute my case with upper management for a reasonable resolution.
Consumer complaint received 2015-08-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (LA)

I recently met with an attorney regarding errors on my credit report and learned that XXXX XXXX XXXX is incorrectly reporting mortgage account information on my three credit bureau reports. My last payment on my XXXX XXXX XXXX Mortgage was dated XX/XX/XXXX ; therefore, the status date on the account was XX/XX/XXXX. This account should have been removed from my three credit reports XX/XX/XXXX.
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Phoenix Recovery Group (TX)

The other issue is that they did not provide enough information to verify the debt. ( Signed Lease Agreement ). It has been more than 30 days since I requested the information. ( XXXX/XXXX/16 ) Debt collection agency ( Pheonix Group ) is attempting to collect on alleged debt.
Consumer complaint received 2024-02-25
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: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NH)

Citi refused to generate my credit card statement for the month of XXXX. My last statement was generated on XXXX XXXX, and then I requested a change of statement date on XXXX XXXX, when a Citi rep told me that the request would n't affect XXXX ( 2015 ) statement generation. Now, Citi has refused to generate a statement for the month of XXXX, saying that the new statement will only be available on XXXX XXXX. 

As a result of this, I 'm not going to have a statement for the month of XXXX, and thus, I wo n't receive any signup bonus ( XXXX points ) that I was promised. I was planning to use the signup bonus ( worth {$660.00} ) to make a travel booking, and because of incorrect information given by a Citi rep, I will have to make alternative arrangements. 

When I pay {$450.00} annual fee for a credit card, I expect better service. Citi reps are very unhelpful.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IN)

Someone in XXXX Arizona is using my name and she is spelling it wrong and using my social security number! She is spelling my name XXXX! I spell it XXXX! The credit bureau is spelling my name like that now! This other person has XXXX bills on my credit report! I need to have those bills on my credit report taken off and the credit bureau needs to get my name spelled right!
Consumer complaint received 2016-07-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (GA)

I took out a Spot Loan in XXXX XXXX. The loan amount was {$800.00}. I received a payment schedule detailing that the loan would be completed in XXXX XXXX, XXXX. Looking at my online account balance I still show {$610.00}. My " scheduled '' last payment is on XXXX XXXX and I 'm not even close to paying out this loan. 

I sent an email to Spot Loan for a copy of the terms and conditions of my loan and have yet to get a response. In my opinion, I have already paid more than the loan principle plus the interest. According to the payment schedule, I have already paid {$2100.00} in interest and fees.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that XXXX XXXX XXXX will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, XXXX XXXX XXXX decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that XXXX XXXX XXXX does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX XXXX account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else. 
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX  credit report. 
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX. 
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX is hurting my Credit history since I had no transaction with this company. I don't know how they got my information, this account was closed with a balance over eleven thousand dollars. I am receiving bills and threatening letters from this company.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

To keep property from foreclosure we made a payment of {$9300.00} on XXXX XXXX, XXXX. I have made the mortgage payment every single month since then. Ocwen says that there were additional fees after we paid the {$9300.00} of {$970.00}. I dispute that because they would not even accept the cashiers check unless it was for the FULL amount due. However, even if you count the {$970.00} and the 2 1/2 weeks insurance they say we owe from XXXX XXXX - XXXX XXXX, XXXX it still would NOT come out to {$5000.00} that they say is owed now. 

HOW CAN THEY TAKE MY MORTGAGE PAYMENT AND APPLY IT TO THEIR BOGUS CHARGES? 

I HAVE NEVER MISSED A PAYMENT SINCE XXXX XXXX They have ridiculous fees like " Property Inspection Fees '' do they come out and inspect the property? NO they do n't. And Certified mail.. really? They show that they send these out every two weeks ... .and charge a lot for them. I do n't get those. " Title Search '' for {$520.00}, Why would they do this? I am not buying the property again or refinancing it. And endless other needless fees and charges ... endless.. 
They did not accept my Insurance Agents faxes that she sent 3 different times even though we called and got the phone number to send it to. We had no way of proving that she sent them even though she did. It took months to get them to acknowledge that we had insurance and in the meantime they charged us for the insurance and additional fees. 
So, because they applied my mortgage payments to their padded fees and taxes, the record shows that I am 2 months behind in my mortgage payments when I have NEVER missed a payment since XXXX. 
In reality, the only thing that I possibly owe for is the {$970.00} of fees that came in after the XXXX XXXX payment. All the rest is their charges and fees that they have scammed me with. I called and tried to settle this many times, and was so frustrated that almost had a nervous breakdown. Then I just had to let it go until I could handle it. Seriously, dealing with people from XXXX who I CAN NOT UNDERSTAND WHAT THEY ARE SAYING and they can not possibly even begin to understand what I am talking about or relate to me in any way. Never speaking to the same person and not being able to have an extension to talk to the same person. Not being able to talk to someone here in the US. AND TELLING THE SAME STORY OVER AND OVER AND AND OVER AND OVER AGAIN until you give up. It 's a form of mental abuse. MENTAL ABUSE. Endless XXXX. 
I want resolution. I do not owe all the endless fees and charges. I had home owners insurance and if they do n't accept my proof, it is not my fault. They are the best scam artists in the world .... claiming not to get the faxes or phone calls. 
I paid my mortgage every month. I paid for homeowners insurance. They need to credit me for all their charges. Not even to mention that they turn me in every month to the credit bureau for something that is false. I am not behind in my mortgage payments or insurance. PLEASE RESOLVE THIS. Thank-you.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX is reporting XXXX wrong late payments in my credit report, so this is a mistake that is affecting me get a new credit or other financial products ... these late payments was on XXXX, XXXX, XXXX, XX/XX/2020, ,I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.