davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (IL)

Dear Phh or Ocwen loan com, I went to XXXX XXXX for a service. It was not for a loan modification which I never requested of them. they were unable to provide the service and I asked for a refund, which they did. I have a copy of the check given to them and a copy of the refund to me through XXXX XXXX XXXXXXXX. I didn't recognize until later that my loan was changed and split. I'm paying XXXX and I'm currently paying on the XXXX amount of the loan until XXXX and then they'll have me set to pay XXXX until. I never signed any paperwork giving consent to change my loan status for a loan modification. I was in jeopardy of being late or behind on the loan and it was no reason to ask for a loan. I saw where they had pulled my name from previous paperwork and copied it to appear that I signed for a loan document. This is designed to take my property. I've paid XXXX monthly for years now. This has been a misery too my life, worrying everyday how I've been duped. I've been caring for a parent during this time and things have changed and I'm ready to resolve this matter once and for all. I never received any paperwork asking me to approve, only by a monthly statement letting me know that my loan had been changed. I'll contact the lawyer 's office so they will know it as well and I have proof that I didn't pay for this result or request this change in my loan. I'm looking for my loan to be restored to its original payment form and loan going Forward! I was doing well on this loan on my way to total freedom in XXXX, if I Iive!
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stenger & Stenger, P.C (MI)

I do not owe this judgment. this company was sent a letter and never responded to my letter. They filled a court order that I knew nothing about, and now garnishing my employment check. This company is a fraud. STENGER & STENGER WAS SENT A LETTER BY CERTIFIED THAT THEY RECIEVED AND NEVER RESPONDED.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

This is in follow up to a previously filed complaint with the CFBP, complaint # XXXX as well as complaint # XXXX. As noted in the previous complaints, the request to remove PMI was submitted XX/XX/XXXX and all the requirements to remove PMI were met. There was an error in the appraisal that stated the value of the property was significantly less than the actual value and CMC Funding ordered another appraisal at their expense. This delayed the review of the PMI removal request by 5 months, which CMC Funding issued a notice stating PMI was canceled XX/XX/XXXX. This resulted in 5 months of overpayment for a total of {$240.00}. I am requesting that that amount be refunded to me.
Consumer complaint received 2022-07-19
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. (TX)

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXXXXXX XXXX XXXXXXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account Number : XXXX To Whom It May Concern at SANTANDER, I believe there has been a mistake involving my account that suggests I owe a debt under false pretenses. This error has led to negative information about me being shared without my permission, harming my financial reputation. 

I understand that financial institutions are not required by the Fair Credit Reporting Act to report negative information to credit agencies. I have never given consent for my private information to be shared with third parties without my agreement. 

It appears that my personal information was used without my permission, negatively affecting my credit. This action seems to violate my rights and I suspect it could be considered a serious legal matter. 

I request SANTANDER to show evidence that I agreed to have my private information shared. If there is no such evidence, it suggests that my information was used wrongly to damage my reputation. 

Additionally, if my account was reported as a charge-off or in collections, I ask for : Proof of the debt, Audits and certifications related to the debt in line with legal and financial standards, Any errors in billing or documentation related to my account.

If you can not provide this information, I believe there has been a violation of my rights. I formally withdraw any previous permissions that may have allowed my information to be used without my direct consent. 

This letter is to ask you to correct the misinformation by removing the negative information from my credit report, setting the account balance to zero, and updating my account status to " Paid as Agreed. '' This is my final effort to resolve this issue before considering legal action to ensure all involved are held accountable for this misuse of my information. 

Sincerely, XXXX XXXX All Rights Reserved without Prejudice
Consumer complaint received 2022-07-19
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. (TX)

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXX XXXX XXXXXXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (IL)

On XX/XX/2022, I paid {$2300.00} to Synerprise Consulting to settle two collections debts on my credit report originating from XXXX XXXX XXXX. I was told by the creditor this satisfied the debts in full and that both items would be completely deleted from my credit report. I have proof from my bank statements showing I paid these debts. Both items are still showing unpaid, and both items are still on my credit reports.
Consumer complaint received 2024-03-12
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: DISCOVER BANK (KS)

I received a 3rd party collection letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector. Regarding an alleged account with Discover Bank Credit Card. The 3rd party debt collector has no written consent to have my personal info, let alone use of it. This is in direct violation of the FDPCA and the FCRA and US Codes.

Discover Bank Credit Card has not received consent from the consumer to transfer any personal info, nor have they requested consent or Noticed the consumer. This is in direct violation of the FDPCA and the FCRA and US Codes. 

XXXX XXXX, while sending a letter as a debt collector, provided nothing to show I gave consent to Discover Bank Credit Card to transfer any information to XXXX XXXX. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to use of personal information. This is covered under XXXX XXXXXXXX XXXX Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit. which is exactly what XXXX XXXX is doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped 5-11 I felt they were NA 12. Electronic signatures 13. any financial numbers!! 
I am not being dismissive, I'm not angry but I have been down this road before. I will pay anything you can legally prove I owe, and/or produce the original contract with wet signatures not a copy of a contract or a " thorough careful review '' or an analysis of the account.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (FL)

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (FL)

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America ATM at XXXX location ( XXXX PA ) " froze '' when I was making a {$3900.00} check deposit on XX/XX/2021 - held my check and did not complete the deposit - bank managers and customer support can only create a claim and " escalate '' it, whatever that means - but CAN NOT and will not provide a clear path the resolution or provide help for me to get the funds so I can pay my bills, buy food, etc. 
They are telling me on recorded messages resolution can take up to 45 days and support reps tell me I just have to wait. 
POOR customer support after being a 21 year customer - not that that should matter as every customer should be treated better.
Consumer complaint received 2024-03-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (OH)

Dear Sir/Madam, I am writing to bring to your attention a serious discrepancy that has been identified in the reporting of a charge-off account on my consumer reports. As a diligent consumer, I have discovered conflicting information regarding SEVERAL ITEMS associated with this account, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. There are inaccuracies with - *charge off amount *Date updated amount *Date closed *delinquency date ( s ) *high balance amount How could one possibly verify the validity of such a report wit so many inaccuracies!

The FCRA mandates that consumer reporting agencies must maintain accurate and complete consumer credit information. Section 1681 of Title 15 of the United States Code explicitly states that consumer reports must present a consumer 's credit profile in a manner that is consistent across all consumer reporting agencies. However, the conflicting last payment dates provided by your agency create inconsistency and inaccuracies in my consumer report, thereby violating my rights under the FCRA.

Furthermore, this discrepancy not only constitutes a violation of federal law but also undermines my ability to assess and manage my credit profile accurately. As a consumer, I have the right to access reliable and consistent credit information, free from errors or discrepancies that could adversely impact my financial well-being.

Therefore, I am formally requesting that your agency take immediate action to rectify this violation of the FCRA by ensuring that my consumer profile is consistent across all consumer reporting agencies. Specifically, I request that the item be removed from my consumer report on all reporting agencies including the primary three, ( XXXX, XXXX, and XXXX ). Also, to include secondary and tertiary reporting agencies. 
as its inaccurate reporting has caused undue confusion and detriment to my creditworthiness. This request is made in accordance with my rights under the FCRA and other relevant consumer protection laws. 

I expect a timely response to this matter within XXXX  days and prompt removal of the credit in my consumer report. Failure to take appropriate action to address this violation of federal law may result in further legal recourse to protect my rights as a consumer.

Thank you for your attention to this urgent matter. I trust that you will act swiftly to rectify the inaccuracies and ensure compliance with the FCRA. 

Sincerely, TM
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (NY)

I sent a verification letter to the account that appeaed on my account. In the letter was a request for information on the debt when it was owed how much was owed from the original creditor so that we could move forward with the account, this was mailed on XX/XX/XXXX and still have not received a response regarding the debt.
Consumer complaint received 2022-01-18
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: Southern Auto Finance Co (FL)

Safco XX/XX/XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/XXXX No action taken yet I do Not recognize the hard inquiries on my account i may have an idea on whos using my information
Consumer complaint received 2015-04-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our mortgage was finally modified on XX/XX/XXXX after a 2 years of struggling to get approved from XXXX XXXX XXXX and in great THANKS to your involvement. Our original mortgage was thrown into default by Bank of America force placing a XXXX flood insurance on our loan for no just cause, we called them to cancel it and got a run around every time until finally between adjustment rates and over due fees and additional unnecessary insurance we fell behind. Now conveniently enough SLS has given back the servicing rights to Bank of AMERICA and we just got a notice from Bank of America that our mortgage is going from {$2300.00} to {$3500.00} as of XX/XX/XXXX 
Our nightmare is going to start all over again unless you help us! My husband is on a fixed Social Security XXXX and we on a strict budget with all our expenses. XXXX XXXX Servicing paid XXXX Homeowners Insurances and I called Bank of America the XXXX time on XX/XX/XXXX and spoke to XXXX at XXXX extension XXXX, she explained to us that their system takes about 15 to 30 days to update and to keep calling every week to make sure they have the XXXX files already in their system, without they can not assist. As of yesterday XX/XX/XXXX they still do not have records showing the homeowners Insurance payment history updated and we are in a time crunch for XXXX 's mortgage payment to take effect. I understand we 60 days for changes to be fully in place with the transferring of servicers ' but this is all an unnecessary evil happening all over again. 
Attached are the Escrow Statements sent to us by XXXX XXXX Servicing, XXXX escrow statement is from XX/XX/XXXX and then the XXXX escrow statement is dated XX/XX/XXXX. On each individual statement you see a Homeowners Insurance Payment, I found this convenient for them so it looks like its only been paid to XXXX Insurance company and also found having XXXX Escrow statements within a 2 month timeframe a bit odd as well. Bank of America is XXXX again our servicer, we are very happy about that because we believe XXXX XXXX XXXX is a debt collector and knows nothing about servicing home mortgage loans. It 's a very scary world out there for these homeowners dealing with modifications and if you are not scanning all your correspondence you will once again be at risk of losing your home. 
We as and plead for your assistance, I ca n't lose my house because of bad record keeping on someone else 's part, a part that they are responsible to keep track of.
Consumer complaint received 2021-04-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/XXXX, I contacted American Express to resolve the issues previously reported with this agency in regard to contacting me, and offer a settlement to avoid possible litigation. The letter specifically states that it is " not a validation request ''. Please see the attachment titled " SettlementOffer21821 ''. Rather than resolve this matter, American Express, continued to respond as if the letter was a validation request, or " dispute ''. Beginning on XXXX, XXXX, XXXX, American Express, first sent an improper message stating that it wanted to contact me, via email, in regard to a " dispute '', but the address wasn't working. Then on, XX/XX/XXXX, American Express, wrote to state that in " response to my inquiry '', their alleged account is in internal collections. Finally on XXXX, XXXX, XXXX, American Express, contacted me to state that they have not finished investigating " my inquiry ''. Please see the attached document titled " 321violations ''. Of course, there is no inquiry, or intended dispute at this time, and these responses are improper. Again, I contacted American Express in hope of reaching a settlement agreement without intervention. These messages are further violations of past complaints in regard to American Express dubiously bombarding my mail box with its alleged and unwanted documents, rather than providing a proper response in hope of resolution. I contacted American Express in XXXX to stop contacting me under the Fair Collection Acts. This complaint is not a validation request, or intended as an admission or denial of any debt.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (NJ)

I have been going back and forth with this company for over six months. The last complaint they agreed to change the account status as fraud. Upon a check of my credit report it still remains. If its updated as fraud, while is it still on my report. I do not have anything associated with this company. I showed them a prior settlement with another company. All they can suggest is make a police report for something that happened almost 5 years ago. The police report will be fraud on this companies part. All I want after 6 months is it closed and deleted. Next steps will be civil litigation over {$50.00} bucks that they probably invested to buy this fraudulent claim. I am not going to pay something I don't owe. Sorry if they don't close and delete then I will file my own civil claim.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I am missing $ XXXX worth in ACH deposits with chase. One from XXXX. And several from XXXX Chase has done nothing to help when its very clearly an issue on their end. They will not help and have just been sending me in circles. Chase free up my money so I can close my account with you guys. Im am very upset One was delivered XX/XX/XXXX for {$2200.00} chase cant find it and will not help. 

I went to the branch for a signed and stamped letter stating that this transaction has not been been found or a statement for XXXX. The teller told me she couldnt do this for me no matter what I call chase just now and he tells me they can do this no problem No one knows what theyre talking about, all the reps say something completely different and no money to be found
Consumer complaint received 2022-06-09
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. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX, XXXX Account # 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 2023-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (NJ)

Upon researching my credit report it looks like Contract callers is trying to collect a debt in a state where they are not authorized to do so, also I never had any dealings nor signed a contract with Contract callers nor did I give them permission to use my information and report it to the CRAs under 15 USC 1681b permissible purpose this account should be immediately deleted I was able to send a verification of debt on XX/XX/2023 attached ( exhibit 1 ) I then checked XXXX and they verified that Contract callers is not authorized to collect in the state of NJ ( exhibit 2 )
Consumer complaint received 2022-01-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am a victim of identity theft. I signed up for XXXX credit alerts and found the following inquiry that was just made that was not made by or authorized by me. The inquiry was from Bank of America and it was made on XX/XX/2022.