davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have contacted XXXX XXXX several times about this item. It was included in my Bankruptcy and should not be showing up on my credit bureau. Attached you will find my Bankruptcy paperwork.
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2016-04-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Johnson Mark LLC (OR)

I had a credit card debt from XXXX with XXXX XXXX. I was in an XXXX situation resulting in my having XXXX for over 10 years. XXXX XXXX sent the debt to Johnson/Mark Attorneys for collection of the debt. I offered them my whole tax return in XX/XX/XXXX, in the amount of {$1000.00} + dollars, which was twice the amount I owed on the XXXX XXXX acct. Johnson/Mark company refused this to settle the debt. I told them I had a mental health issue also, and please take this offer to settle the account. They said they would only settle for {$2400.00} dollars. They sent me a letter that looked like a legal document from XXXX Court ( XXXX XXXX, Oregon ) where I have not lived since XX/XX/XXXX. They just began to garnish my wages from my new job. I want to stop this garnishment because I suffered from a XXXX for years and did what I could to settle this with them in XX/XX/XXXX. Please call me or let me know if there is anything I can do at this point. I do not have money for an attorney. I live in XXXX, Oregon. Thank you
Consumer complaint received 2020-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX PHH Mortgage Regular Mail : PHH Mortgage Services Attn : Loss Draft Correspondence XXXX XXXX XXXX XXXX, OH XXXX Overnight Mail : PHH Mortgage Services Attn : Loss Draft Correspondence XXXX XXXX XXXX XXXX, OH XXXX Re : PHH Mortgage On XXXX XXXX my primary residence was badly damaged from the creek fire. PHH mortgage which services my mortgage account obtained an insurance company to cover the loss and issued a payment for {$380000.00} to rebuild. I obtained a contractor XXXX home builders along with XXXX and XXXX XXXX XXXX and XXXX XXXX. Permits where obtained and construction started in XX/XX/XXXX. Around XX/XX/XXXX the project was halted due to a correction discovered by the County inspector. The project has since been at a standstill since then and PHH mortgage which has the remaining {$190000.00} in an escrow account is refusing to release additional funds to make the necessary corrections in order to complete the project. I have been reaching out to them since XXXX XXXX in order to explain the situation and have a small portion of the funds released to get the correction complete and get us over the 50 % status in order to get a larger portion of these funds to move forward. I have hired an attorney XXXX XXXX to handle the matter but it has been a huge financial burden for me. I continue to make monthly mortgage payments for my house while living elsewhere. I can not continue much longer as things are and need assistance urgently. 
Having lost all my personal belongings in the fire. Becoming homeless overnight and struggling to keep my job and sanity. If your office can assist me with this matter it will be very much appreciated. I can be reached via email and phone and looking forward to a response. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

ShellPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX The investor, XXXX XXXX, is refusing to honor the servicer 's, ShellPoint 's, value of XXXX and insisting on receiving XXXX minimum net. This would make the purchase price XXXX ***** The investor is requiring the buyer pay XXXX OVER AND ABOVE FAIR MARKET VALUE for this property. 

The agent had sent market comps to Shellpoint, using a price per square foot basis to reach the purchase price of $ XXXX. Shellpoint originally used comps that were NOT comparable- they were for much larger homes that were in far better condition. After a value dispute ShellPoint lowered the value to XXXX. The investor, XXXX XXXX is refusing to honor its servicer 's value. XXXX XXXX is demanding that based on their own comps. 


The investor is XXXX XXXX. The servicer is ShellPoint. The CFPB 's role is to protect consumers. This is a clear cut case of the investor and its surrogates, aka servicers, attempting to extort the buyer by demanding a sales price higher than anything that has currently sold in the same condition in this community with the same square footage. 

We want to reiterate that XXXX XXXX and its surrogates, aka servicers, forced the homeowners from this property telling them they no longer owned it and converted this property to a zombie foreclosure. Please review our XXXX CFPB complaint ( filed XXXX/XXXX/16 ) again. NONE of these issues have been resolved in any manner whatsoever. 

XXXX XXXX and their surrogate 's actions have caused financial harm to the sellers in the form of XXXX dues that they are liable for under California law. This is not to mention the emotional toll this is taking on our elderly sellers living on a fixed income, who are being continually swindled by XXXX XXXX and their surrogates. It is quite possible that XXXX XXXX and their surrogates have violated multiple state and federal laws : 1. Illegal eviction 2. Constructive fraud 3. Illegally telling a homeowner they had no retention options on multiple occasions ... ..among others ... .. 

PLEASE remember that XXXX XXXX has already settled in the amount of {$5.00} BI dollars for LOAN FRAUD.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/2021 I purchased GYEN coin which were deposited into my Coinbase account. Within a few days, the price of GYEN went up and at that time I sold all my GYEN for over {$550.00}. Almost a week later, Coinbase confiscated the profits from that trade which were still in my account by taking {$550.00} worth of coins in my account and sending to themselves. They have stated there was an error they corrected and that this problem, including my complaint, has been resolved internally and Coinbase has not communicated any further with me. I want my money back which Coinbase has robbed me of.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (AR)

I reached out to the company and ask them to submit signed documents to me about accounts on my credit report. This is a big deal for me. They are suppose to respond in 30 days and its been well over 45 days since ive received anything from a letter that i sent in.
Consumer complaint received 2017-06-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

My loan was charged off by USAA back in 2016. I have reached out numerous times and placed on 45+ minute holds in order to gather information about my charged off debt. I have been transferred to a department by the Member Debt Solutions team to provide me information, as well as tried to email and call   XXXX   XXXX   to see if he could route me in the appropriate direction.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out
Consumer complaint received 2020-08-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (GA)

GC Services Limited Partnership took out a debt collection for an auto loan. They sent me a letter dated XX/XX/2020 stating that I owed a balance to their agency, which is correct. However, since I received the letter notifying me of the amount due, they continually and repeatedly called both my personal cell phone number and my mothers cell phone. When calling my mother, they stated they were a Law Firm calling about my collection. She hung up and blocked their number. They then continued with persistent, annoying, and harassing phone calls that would begin as early as XXXX XXXX ( EST ) and continued throughout the day. I normally do not answer unknown/spam calls. When I would use call filtering to block their number, they would use another phone number from the same area code to call immediately after I declined the first call. I got calls from several local area codes throughout the day, as frequently as 3 or more times a day. ( Examples of numbers they attempted to use to contact me : XXXX, XXXX, XXXX, XXXX ) When I would answer, they never stated the company they were calling from or even stated their intentions for the call. I had already set up an online account to pay GC Services on a set schedule and they still continued to harass me multiple times daily about my outstanding debt. Their corporate number listed on the letter I received also never called me. Only random phone numbers from area codes nearby. I called on XX/XX/2020 to inform them that I currently lived in a different time zone and that I wished to not receive calls at XXXX ( PST ), which, in one week, they managed to call me at XXXX, XXXX, XXXX on multiple different days. I have phone records and time stamps to prove that. The representative stated she would make a note of it on my account. Since then, no further calls have been placed as of yet.
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (FL)

Me and my wife decided to rent and apartment but we couldnt take it, so after a while we received a call from southern management services a collector in XXXX FLORIDA, and my wife paid in two payments the amount owed of a total of {$1200.00}, her credit is fine but it is still showing on my side.
Consumer complaint received 2018-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, WA XXXX XXXX ) XXXX This company says I owe them {$1800.00} for damages when my wife moved out of XXXX XXXX XXXX XX/XX/2016. The original amount was {$1700.00}. This is listed on both of our credit reports as individual accounts. I sent Debt Validation letter. They only sent a itemized copy of a bill. There were no " original contracts ''. They also inaccurately report this account as open which is very damaging to our reports. An FTC opinion letter clearly states that mere itemization does not constitute debt validation, therefore they are in violation of the FDCPA. In addition, the Highest balance is {$1700.00} and the balance is {$1800.00}. How can that be?? It has multiple inaccuracies. I have attached their attempt at validation of this debt.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (PA)

Ability recovery has erroneously re-aged a debt reporting on my credit files after request for validation and dispute. 

I filed an initial complaint with CFPB in XXXX of XXXX on lack of response to a debt validation request from Ability Recovery Services LLC for a debt in the amount of {$730.00} originating from XXXX University. After receiving the validation information sent from Ability Recovery Services I filed a dispute for erroneous information. The date of the original account on the letter they sent me reads XX/XX/XXXX. The debt was being reported to the credit bureaus as having an opening date in XXXX. 

Instead of correcting these dates the company has re-aged the debt to XXXX in violation of the Fair Credit Reporting Act! 

This type of predatory action should be stopped.
Consumer complaint received 2022-10-05
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2017-07-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I opened a XXXX store credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.
Consumer complaint received 2020-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

ON XXXX XXXX I CALLED MY BANK TO WIRE MONEY TO AN ESCROW COMPANY, THE REPRESENTATIVE NAMED XXXX FROM THE WIRE DEPARMENT WAS VERY RUDE ASKING ME THE SAME QUESTIONS OVER AND OVER, SO I ASKED TO SPEAK TO A SUPERVISOR THE SUPERVISOR ASKED ME TO UPLOAD THE WIRING INSTRUCTIONS THROUGH EMAIL AND I DID.THE VERY STRANGE THING ABOUT THIS REQUEST IS THAT THEY HAVE RECORD OF THE WIRES SENT BEFORE TO THE SAME ESCROW COMPANY THAT PREVIOUSLY I HAVE SENT.WITHOUT ANY NOTICE THEY BLOCKED ACCESS TO MY ACCOUNTS INCLUDING MY CHECKING ACCOUNT MY SAVINGS AND ALSO MY CREDIT CARD.WHEN I CALLED FROM XXXX I DID NOT HAVE ACCESS TO BUY WATER OR GROCERIES TO EAT NAVY FEDERAL DECIDED TO TELL ME THAT MY ACCOUNT WAS UNDER REVIEW.I ASKED WHY AND THEY COULD NOT GIVE ME A REASON OR HOW LONG FOR THIS REVIEW. I HAVE NO ACCESS TO MY FUNDS I RUN A BUSINESS AND NEEDS THESES FUNDS IMMEDIATELY I HAVE CONTRACTS PENDING.
Consumer complaint received 2020-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I submitted a dispute with XXXX, Experian, & XXXX regarding information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Consumer complaint received 2017-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (IL)

I first received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX of 2017, their letter which is attached was dated XXXX/XXXX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XXXX/XXXX/2017, which clearly shows they totally ignored my letter which they received on XXXX/XXXX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking XXXX XXXX XXXX XXXX XXXX XXXX. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able to make any communication on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXXs also violating the FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.
Consumer complaint received 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams, Rush & Associates, LLC (IN)

William and rush associates offered me the pay for collection deletion. I paid off the collecion and and they sent me a letter that the account will be deleted from my credit report. And the account is still on my credit report effecting my credit score.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Two banks CITI and XXXX XXXX XXXX are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.
Consumer complaint received 2022-09-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. XXXX responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from XXXX or Equifax regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to XXXX and XXXX requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both Equifax and XXXX. I have attached all of my documents.
Consumer complaint received 2018-07-01
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 — Their investigation did not fix an error on your report
Company: Deatrick & Spies PSC (IN)

XXXX XXXX  company closed and sold my account over to Deatrick and spies in XX/XX/XXXX Ive been making monthly payments to deatrick and spies since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact Deatrick and Spies about it. But every time i try to discuss this matter with Deatrick and Spies they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed
Consumer complaint received 2018-07-01
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 — Their investigation did not fix an error on your report
Company: Eagle Financial Services, Inc. (IN)

Eagle finance company closed and sold my account over to XXXXXXXX XXXX XXXX in XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And Eagle Finance has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXXXXXX XXXX XXXX about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact Eagle. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If Eagle Finance no longer owns my debt, the late payments being reported from them need to be stopped amd removed