davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

This account is not mines. i have filed paperwork with he AG of Florida and filed dispute with company. company did not contact me prior to adding this account to my report. 


XXXX Account number XXXX Recent balance {$3700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3700.00} past due as of XX/XX/XXXX. 

XXXX FL XXXX XXXX, FL XXXX XXXX Address identification number XXXX Original creditor XXXX - XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$3600.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual
Consumer complaint received 2017-01-06
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Seterus, Inc. (FL)

Seterus continues to contact me after many months ago I notified them via the CFPB to stop contacting me until they can provide legal documentation regarding their servicing of the account. They have provide every document except anything that is any way legal and regarding the ownership and servicing of my mortgage. I have asked them several times to stop harassing me and have asked for the proper documentation multiple times as well and they continue to do nothing but harass me. 

I would also like the add that I never provided anyone my cell phone number regarding this account. XXXX 'farmed ' the number but assured me via the CFPB that they had removed the number from the account so I would also like to know how Seterus acquired my well protected personal phone number?
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

they call my consumer cellular phone at least twice a day, every day, sometimes in late evening. I only know it has to do with debt collecting because I checked the numbers involved. 
XXXX numbers ... same tactics. 
XXXX XXXX
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (FL)

Certified Mail Return Receipt required BY EMAIL Monarch Recovery Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Email : XXXX XXXX : XXXX XXXX Account Number XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX. I do not owe the amount alleged by you. 

Never received documentation to validate the debt, remove the item from the credit report all of them. 

Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. 
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. 








XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. 


Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. 

If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. 

LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. 

Sincerely, XXXX XXXX XXXX. XXXX, XXXX, XXXX and XXXX
Consumer complaint received 2015-04-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CO)

PNC Bank can not provide me my 2014 Tax Forms. " There is nobody in our call center that can help you. '' I have now talked with PNC Bank 3 times, where they state that they have submitted the request to change my address and send me my tax forms. As a result, my parents receive a " Password Change '' letter in the mail at their address, which has NOTHING to do with MY address or MY online information. When I talk with anybody from PNC Bank, they recite my OLD ADDRESS which I have changed 3 TIMES!!! Finally today I pushed to get on the phone with the manager 's manager, who put me in touch with the Retail Escalation team. This person was at least able to send me a form via email through a " loophole '' which shows my tax information, and has committed to calling me whenever she is able to get my address changed " in the system ''. Note that when I log into my account online, my address shows as updated, but somewhere in the tangled back-office systems of PNC Bank, my address will not update as expected. I have now also provided a hand-written note requesting my change of address, signed and dated as of today, for proof of my address change. What will be great is when my parents receive a change of address form sent to their home ... 
This is the most rediculous process I have ever been through, and I can not express how dissatisfied I am with PNC Bank. I will be doing everything in my power to get my auto-loan, Home Equity Line of Credit, and Checking Account CLOSED and moved to another bank as soon as possible.
Consumer complaint received 2020-10-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (NV)

This is in regards to the Guild Mortgage Branch below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX NMLS ID # XXXX Branch Manager : XXXX XXXX On XX/XX/XXXX I contacted XXXX XXXX based on referral of my real estate agent so I may refinance my two homes, one in XXXX and the other in XX/XX/XXXX At first XXXX was great, very communicative and great to deal with. I would say roughly XX/XX/XXXX was when communication became really bad. I would call or text/e-mail to not get a response or if I got one, would be a day or 2 later. I was told several times that we would be closing on the properties in a week or two. Those weeks became months. I waited on the order for the appraisals and reminded him many times to just not get a response. I finally got an appraisal done on the XXXX home on XX/XX/XXXX, a full 148 days later all while not hearing a thing about the refi in XXXX. 

After being fully frustrated I reached out to the branch manager,  XXXX XXXX in hope to solve this. She transferred me to XXXX XXXX to take over my account which was roughly XX/XX/XXXX. Just like XXXX, the communication was great but quickly dropped off. I was now told from XXXX that I would close the end of XXXX which then turned to the first week of XXXX which then turned to XXXX. The XXXX appraisal was completed XX/XX/XXXX after several requests for it. 

It is now XX/XX/XXXX, I sent an e-mail stating my frustration on XX/XX/XXXX. I have not heard anything back for three weeks. I reached out to both XXXX and XXXX last week to not get a response. I am now at 207 days since I first talked to XXXX. 

Through the process or dealing with XXXX, I would get a random call here and there from XXXX asking for information. My understanding was XXXX was not working on my account anymore yet it seems XXXX was just taking up the communication aspect. It would seem they never were on the same page and I had to send my documents multiple times. I also had to have my credit pulled a second time because they dragged their feet so long, my last report expired, which in turn cost me points on my report. 

This refinance has not only wasted my time but cost me money as well. I paid {$650.00} for the appraisal of the XXXX  home and even kept my XXXX  home out of forbearance which could have been saving me money in this rough time. The point of this was to save money monthly because of the hardships the economy and myself are suffering right now yet I haven't saved anything and only gained a lot of stress and spent money.
Consumer complaint received 2022-02-14
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: DISCOVER BANK (NJ)

Someone has gotten a hold of my personal information and made three inquiries to credit card companies without my approval. On XX/XX/XXXX an inquiry was made and an account established with CRB upgrade. I have reached out to this lender and let them know. On XX/XX/XXXX two inquiries were made one with Discover financial and one with the XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries or accounts and have already filed with XXXX XXXX my file number is XXXX
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

Had a XXXX lien on my XXXX home XX/XX/XXXX, been removed mo. ago, In XX/XX/XXXX Chase started taking monies I guess from my escrow acct totaling to date $ XXXX litagation fees. XX/XX/XXXX was told after {$540.00} taken NO more would be taken. Local bank again on XX/XX/XXXX made a call was told they would get back in 3 days, Nothing yet as of XX/XX/XXXX. Never received any notification, what charges would be, where they were getting , what happened w/case, my mort went up {$100.00} a mo, so they could take more $ from me w/no explanation. Plus do n't they already have lawyers on staff..
Consumer complaint received 2016-06-02
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VIRTUOSO SOURCING GROUP, LLC. (KS)

Enrolled at XXXX College in XXXX Colorado, in XXXX of 2009. I did not attend XXXX class or use any resources of the college and tried calling XXXX.. A counselor or student advisor at the time.. To tell her I am not attending and drop me from the school ... She never called me back or responded and I was unable to go to the college in person at the time.. Therefore XXXX College went ahead and charged me at the time {$4900.00}. That debt is now with a collection agency and now the total due is {$6300.00}. I never accepted the debt. The collection agency now has called me over and over and at unusual hours. Past regular business hours. They 've called my father recently.
Consumer complaint received 2015-05-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending (MI)

In 2011 I register to XXXX XXXX in XXXX Michigan, I was told when I was in school and pay the monthly amount of around XXXX $ that my payment will be lower after I graduated. I graduated and after 6 months someone from XXXX XXXX called me and request that my monthly payment would be XXXX {$.00} I never got a job with what I graduated for and hardly making the payment of my loan.I tried putting my federal loan in deferment for two years now. I do n't want my credit to be damage. I 'm just hopeless.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX  and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX  has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX acc # XXXX, ( XXXXXXXX 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.

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 record of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX  XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-14
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (NY)

I had 3 private XX/XX/XXXXloans from XXXX that were originally through XXXX XXXX. I was sued inXX/XX/XXXX Myself and my father were threatened with tax liens on my parents home and back account freezing which forced me to begin to pay the XXXX XXXX XXXX XXXX department to avoid harsh penalties. My husband lost his job leaving me unable to continue to pay the loans off. The collections agency continued to try and get payments but refused anything I offered saying it wouldn't be enough on the principle balance. I do not feel these loans should have legally been able to be collected in the first place due to the statue of limitations being reached but I was scared because of what I was being told. I eventually was able to settle and get a payment plan but only after I had to get a lawyer to communicate with XXXX and XXXX. The payments that were settled on were still very high, and I was able to squeeze payments out for about 2 years but when Covid hit my husband lost his job again. I do believe the initial loans were predatory to begin with as the XXXX XXXX accounts office only handed private XX/XX/XXXXloan information out for one bank. I was the first person in my family to go to college so our education on the financing piece was not great at that time. We were not given any support on understanding at that time. We were told that it was our only option if I wanted to go to school there. I am hoping that something can be done, since I do not feel the bank or collection agencies had a right to collect the payments to begin with.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient is calling mulultiple times.a day. When I speak with them they rush me off the phone or force me into forbearance. Loans have Tripled since I took them out and the interest is crippling.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (IL)

I completed a balance transfer with Chase on my XXXX Chase card. The amount was to be interest free for the period. I would regularly use the card to make purchases beyond that transfer amount, and upon receiving a billing statement, would overpay to account for the charges where interest would be applicable, plus the minimum due to account for the balance transfer. Despite these overpayments, Chase is charging interest on the purchases, despite their cost being more than covered by each payment. For example, I made {$200.00} in purchases in XXXX, had a 0 % balance of around {$9000.00}, and made a {$500.00} payment to account for all charges and minimums to pay down. There were no additional charges on the account, so I effectively paid off the interest-bearing piece of the statement plus {$300.00} additional. They charged me {$36.00} in interest anyway. I have XXXX other credit cards and none do this. Their language is deliberately vague and does NOT state that this is the case, but claim that one phrase about there being ANY balance on the card, 0 % or not, means they charge interest on any and all purchases regardless of whether they 're paid off each period. I ended up paying the card off in order to cut all ties with Chase but they 've collected hundreds in interest from me despite all efforts to pay off what was owed.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TX)

I have proof that the company I work for made a banking error in our payments and I get paid every XXXX and XXXX of the month. XXXX  XXXX was not only given a letter to revoke security interest and liens and repo but I explained to them that I would have made a payment on the XXXX if I had been paid but my job made a mistake. Instead they reported that my account was 30 days delinquent and it is not! I have to move at the end of the month and I need this correct ASAP. Please remove this delinquency as soon as possible. Its not supposed to be on there.
Consumer complaint received 2015-10-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I have money unexplainably being deducted from my account without trace of any transactions. My balance simply changes without any withdrawals taking place. Then when I call the bank 's customer service they say that everything adds up and they do n't know how it might have happened. It has happened more than once and the first time they refused to investigate and so did the police claiming I did n't have " physical Proof ''. This time I do have a screenshot of what my balance was just yesterday and without any trace of where the money went, I wake up with {$180.00} less in my account and it keeps happening! XXXX/XXXX/2015
Consumer complaint received 2015-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AE)

I refinanced my house in 2013 with Homeward which then sold the mortgage to OCWEN who then sold the mortgage to XXXX who has now merged with XXXX. That 's XXXX moves in XXXX years, an average of XXXX move per XXXX months. Each of these changes requires hours of work on the consumer 's part to insure that their mortgage payment is going to the correct company. Why are they allowed to get away with this? It is out of control!
Consumer complaint received 2021-10-09
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: Fairway Independent Mortgage Corporation (TX)

For one i have multiple. Inquiry within the grace period. That all should be counted as one. 30 days i do believe. Or 15 either way it's in that time period. Secondly I've only approved one to run my credit. The others should not have ran my credit so. Idk why i have 3 others. I need these removed immediately because now it is affecting my credit and makes it look like I am searching for more credit when I'm not I'm trying to build my credit and this is messing with it I only approved one not four
Consumer complaint received 2019-02-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with Transunion on XX/XX/XXXX and on XX/XX/XXXX Transunion notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. XXXX XXXX XXXX is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (PA)

There is a judgment on my credit from XXXX XXXX XXXX XXXX in XXXX XXXX, MD. I paid off this judgment on XXXX/XXXX/2012, but it has remained on my credit even after speaking with the attorney 's office who accepted my payment on behalf of the XXXX XXXX XXXX. They have n't updated the major credit bureaus of my pay off thereby causing a severe negative impact on my credit.