davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO. (AL)

I cosigned with a ex- girlfriend back in 1999 for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Ala . Within 2-3 months, I had to take the car back from her and return it to dealership. I didn't hear anything about me owing anything after that, Until My Ex had passed away, Then I started to get a lot of threatening phone calls and letters, At home and work! The law firm XXXX XXXX XXXX in XXXX, fAlabama told me that because they could not collect anything from my ex-girlfriend, That I had to pay something like 10 to 12 thousand dollars, Plus around 8000 in Interest!!! So I tried to pay around 200 - 250 a month!

And I have been paying at least 100 a month since they said they were going to sue me a few years ago! I have requested numerous times for them to send me a correct balance, And a running log of what I have paid them, And what is actually owed on my account!!!! 

They have never responded to my request! 

They have filed a garnishment of my wages in the XXXX County Courts ( Mobile, Alabama XXXX I was never served court papers, And I found out only by getting a simple letter from the court in my XXXX. XXXX, After the courts had the garnishment approved. 

So, I never had a chance to to court And present my case in front of Judge or Jury! 

I believe this was simply some old debt, That they bought from another company, And threatened me to pay, Without me even speaking to the original creditors, XXXX XXXX XXXX, dba Ford Motor Credit ) I truly think this is " Unjust '', And I have asked them a number of times, Just to take me court, And let 's see what a Judge says about this old debt! That I believe was charged off by XXXX XXXX, dba Ford Motor Credit years ago!!! 

I have other means to resolve this issue, without your help!!! 

Collection Lawyer Contact : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Alabama. XXXX ( XXXX ) XXXX I'm currently not working, And homeless, I staying between the XXXX XXXX in XXXX, Alabama, And sleeping in my XXXX, And the XXXX XXXX! 

This collection lawyer, Has been threatening me about this car that I returned to the dealership over 20 years ago, For at least 18 years, And I thought by trying to pay this old debt was the right to do, This is the only reason I made any additional agreements to paying anything to them!!! I was mislead about this car loan debt, From the very beginning. 

The sticker price on this car was only 8 to 9000 dollars, Brand New car, Back in 1999! 

I have never got a statement, or running balance from XXXX XXXX XXXX, After many requests for one!!!!!

I hope you and your company can help me investigate this issue, That is definitely not fair to me, And probably many more consumers in this country!

Thank You, & God Bless!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Alabama XXXX ( This is where I receive my mail, Because of being XXXX ) Email - XXXX Phone # ( XXXX ) XXXX Thank You!
Consumer complaint received 2022-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

1. XX/XX/XXXX : I submitted employment verification to FedLoan for employment at XXXX for period XXXX - XX/XX/XXXX. 2. XX/XX/XXXX : I received an updated count for payments which did not reflect either XXXX as an employer or the period of employment from XXXX - XX/XX/XXXX. 3. Instead, an employer XXXX XXXX XXXX XXXX  ), for which I worked XXXX, was listed a second time for period XX/XX/XXXX - XX/XX/XXXX. 4. I did not work for XXXX XXXX XXXX XXXX. During that Period, I was employed by XXXX XXXX in Pennsylvania. 5. So instead of adding a year of employment history for the period which I was in repayment, which would give me more time towards eligibility for XXXX under the waiver, I was given 1 month. 6. I checked the FedLoan website, was able to see a copy of my employment verification form, and verified that I submitted the form from XXXX correctly. 
Thanks
Consumer complaint received 2020-10-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

Horrific experience with Mortgage Loan process with US Bank!!! 

On XX/XX/XXXX, I've processed my refinance loan application with US bank and I was promised 45-60 day closing and a particular interest rate. I've submitted all the pertaining documents no later than a day and I've done this several times through out the process. Today is day 92 and I was just informed that my loan would take another 10-15 days to close. US bank has also pressurized me to open a checking account with in a day as they were going to close my loan shortly. It has been more than 30 days since that has happened and after repeated requests by me, US Bank till date has not responded. 
This is the most horrific experience I ever had, the practices employed by US Bank is no less than predatory lending. False advertisement and terrible lending practices. 

I would like CFPB to investigate this and save customers from this distress during these already stressful times.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The DeGrasse Law Firm, P.C. (TX)

Someone from this company has called me several times after being told to stop calling. The person then began to use abusive language and call me names that was uncalled for. I'm not a XXXX, XXXX, XXXX, or a XXXX. 
This company calls every day. This has stop. The person has even threatened to come to my home. I am in fear for my safety and have alerted my local police.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (CA)

The XXXX '' XXXX tv I purchased from XXXX no longer works after having it a year and half, my XXXX/American Express failed to disclose limited purchase protection when affiliated with XXXX. AM/EX rep stated their " hands were tied '' to what the television 's manufacture repairman investigation concluded as to the cause of damage and its coverage. The rep also said if I had paid through my regular American Express the television would be fully protected and my money reimbursed. Additionally, I paid for extended warranty on the XXXX Tv and still was not honored. The manufacture 's repairman asked me to complete the online form explaining the XXXX problem with a photo picture of the television screen on. The next day the XXXX repairman based his conclusion on the photo image and accused me of damaging the screen without physically inspecting the tv.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right, And lists of unauthorized inquiries 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 records of convictions 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 2019-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have several cards with Comenity Bank, for the month on XXXX and XXXX I have made my payments, but I keep getting calls saying my payments are not being accepted and Im getting charged late fees, Comenity has been having an issue with their system where you can not access it to make payments online or by phone. But will call you and tell you that you have a missed payment and the amount is now doubled.This issue has caused me over drafts from them going into my account several times and even my credit scores has been affected by this
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Northern Alliance Management, LLC (CA)

This collection agency, repeatedly calls my husbands number and sons number. To inquire about me after being told repeatedly to stop calling. They call from a ( XXXX ) XXXX and say to call another number which is XXXX ( XXXX ) XXXX. To resolve this issue.
Consumer complaint received 2024-02-15
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. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-16
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: CBC Companies, Inc. (CA)

The issue was that your company gave us wrong information in regards credit score I had to open an investigation with the Credit Bureaus contact them to find out that your company told us was extremely low we are talking about a credit score XXXX to be lowered supposedly 200 this outrageous. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.
Consumer complaint received 2017-03-06
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

We the American people will rise against you Ocwen XXXX, and we will bring you XXXX down. Ocwen XXXX can not control themselves, full of greed living in another planet. Totally incompetent! 

Ocwen Loan Servicing LLC, N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years, defendants engaged in a pattern of misconduct by refusing to accept plaintiff 's mortgage payments in order to claim default and file frivolous foreclosure actions against him. The first count surviving dismissal alleges that plaintiff made mortgage payments and paid insurance premiums over a lengthy period of time without receiving proper credit, defendants failed to pay real estate taxes funded by plaintiff 's mortgage payments, and defendants charged plaintiff for insurance premiums that were improper and never credited. Moreover, plaintiff could not challenge the alleged amount due because defendants dismissed the foreclosure action. The appellate panel found that this count alleges valid claim for an accounting and reversed the court 's order dismissing it. The second count surviving dismissal alleges that defendants engaged in a course of deceitful and unconscionable conduct in their efforts to enforce and collect the sums due under plaintiff 's loan. The actions alleged included failing to accept and credit plaintiff 's mortgage payments in order to falsely claim he was in default, and demanding payments for premiums and other purported costs that were improper. Those allegations were sufficient to state a claim under the Consumer Fraud Act that defendants engaged in unconscionable loan collection practices. The panel reversed the court 's dismissal of that claim. The panel noted that, despite defendants claims otherwise, loan collection efforts undertaken by the " lender or its assignee '' fall within the protections of the CFA.
Consumer complaint received 2015-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (TX)

Southwest Recovery Services was paid for an outstanding rental debt that had been paid upon the agreement between myself & the collector that the debt be permanently removed from all XXXX credit bureaus XXXX. They have failed to take any action, which has resulted in difficulty for me to secure housing.
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ONLINE Information Services, Inc. (FL)

I owe for a past due utility bill from XX/XX/XXXX. I received a notice XXXX XX/XX/XXXX that I owe {$90.00}. I responded back XXXX XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX XX/XX/XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (UT)

I switched from XXXX XXXX XXXX to XXXX in XX/XX/XXXX. I was contacted by a collector from XXXX XXXX XXXX XXXX in XX/XX/XXXX that I had an outstanding balance of {$1200.00}, I informed them I was disputing the debt and then contacted XXXX XXXX XXXX directly. I spoke with an XXXX XXXX XXXX agent and we worked through the charges and identified some major discrepancies in the charges. I was told they would look into the charges and escalate. I received no communication until I was contacted on XX/XX/XXXX by Sequium XXXX informing me that I still had an account with XXXX XXXX XXXX that had a balance now of {$1700.00}. I informed the agent that was disputing the debt and would be contacting XXXX XXXX XXXX directly. I asked that they send me an official letter since I wanted to make sure it wasnt a scam. I received the letter on XX/XX/XXXX and was dated XX/XX/XXXX. On XX/XX/XXXX, I was informed by the credit bureaus that I was reported as having a collection account with Sequium. I am disputing the debt and it is my understanding under my rights as a consumer to dispute and have 30 days to do such before they report anything and negatively affect my credit.
Consumer complaint received 2024-02-15
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case, from a FTC Report with # XXXX. Please find the ATTACHED documents to assist in the removing of the pieces of erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : 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 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 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 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 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 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 XXXXTRANSUNION 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. 
I want these items deleted from my credit report effective immediately. 
I am attaching proof that the Consumer Financial Protection Bureau ( CFPB ) has admitted that I was in fact a victim of this XXXX XXXX breach and XXXX has deleted the accounts below, see attached complaint response from CFPB and XXXX.
Consumer complaint received 2020-10-16
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: Credit Karma (RI)

Credit Karma had an offer to check for a mortgage refinance with XXXX XXXX by XXXX XXXX. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by XXXX XXXX. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.
Consumer complaint received 2015-10-18
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NY)

I have a Rushcard and since XXXX XXXX 2015 I have not got access to my funds and it 's saying I have XXXX balance and I do n't even got a card to spend my money, they keep saying they do n't know when it 's gon na work and I have to miss work due to no money my daughter has no pampers and I got a eviction notice as well
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (PA)

Over the last 3 years I have went through several hardships. XXXX full term layoffs on unemployment and a divorce. I've been working with XXXX to retain my home and get a principal reduction and modification. I have been going through this process only to be denied for amount and time delinquent that I find at fault the the mortgage company PHH. On numerous occasions over the last 2 years they used the 60 and 90 day periods between XXXX visits not requesting a single document. Then several other times only requested statements, and stubs the things that go stale. After 2 years they deny my claim after building a huge file and say I can appeal. 3 months later I won the appeal and just received a trial that the payment is substantially higher than the original payment. No information on anything or why its so high. They sent paper work numerous times about an appraisal to revalue the house and nothing. My credit counselor advised me to write and see if there is anything you can do to assist me. I got my own appraisal and the house is worth almost $50,000 less than the loan. Several references show the house being worth XXXX. The loan is XXXX. On top of the payment being higher than ever.  Please assist. I would really like to keep my home. I've obtained great employment time and time again. Have done everything asked from me and won the appeal. Only to have the payment raised substantially.