davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (MA)

Company  is reporting on all   XXXX  cr edit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have  (   XXXX   ) late pays on    XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.
Consumer complaint received 2015-09-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

ocwen refuse to give us a modification. they foreclosure. sale date XXXX/XXXX/2015. 
we were approve for a short sale on XXXX/XXXX/2015. and Ocwen file foreclosure sale date of XXXX/XXXX/2015. they refuse to cancel the sale date and refuse to work with us on our modification/ we do not want to lose our home because we have no where to go. 
we need your help to stop the sale.
Consumer complaint received 2015-07-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MA)

My Loan was transferred from XXXX XXXX XXXX XXXX M & T bank on XXXX/XXXX/2013 after never missing a payment but we had applied for Modification and they did n't tell M & T, I had perfect credit or M & T would not have bought the loan. We sent the first payment in XX/XX/XXXX from my billpayer company at my bank. Which I have the check and the statement proving it cleared. They have reported the payment as a bounced check and ruined my credit. I have a letter from them stating XXXX took the money from them. Because of XXXX mix up. Does a bank get to lie about you make up lies about your payment charge you thousands in fees and ruin your credit due to an error in paperwork between the to banks. I am XXXX and being bullied by this bank Is there anyway you can help??
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK (AZ)

My wife and I have our mortgage through TCF Bank. Five years ago, we were offered a low interest payment, which would end in a balloon payment of {$160000.00}, due XX/XX/XXXX. They were never clear about what would happen on the balloon date, as we would not have that much money. Finally, they offered a reasonable new loan, effective XX/XX/XXXX Now, just one day before XX/XX/XXXX, we were told that our loan is on hold. I relied on their promises in good faith ; now, I fear they are trying to somehow trick us into a foreclosure.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: VW Credit, Inc (CA)

On XXXX XXXX, 2015 Volkswagen sold me a XXXX Volkswagen Jetta " Clean Diesel '' for {$24000.00}. This vehicle was sold using fraudulent inducement by Volkswagen - the car contained a emissions testing defeat device and violates Unites States and California laws for vehicle emissions. Volkswagen has admitted to cheating on emissions tests and intentionally installing the defeat device. 
My car purchase was financed by Volkswagen Credit, also known as " VW Credit '', which is a wholly owned subsidiary of Volkswagen Group of America. The vehicle sales contract was based on fraudulent inducement and the sales contract should be rescinded. I have sought formal rescission of the contract through legal means. I have contacted VW credit and requested that loan payments for the vehicle be suspended until resolution regarding the sales contract is obtained. The VW Credit representative I spoke to denied any request for suspension of loan payments and threatened to report me to the credit bureaus for any late or missed payments. VW credit offered no other means of resolution despite holding a car loan contract based on fraudulent actions.
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

I was alerted by one of my credit card company that someone tried to use my card at a local gas station. I followed through with this credit company. I also received a call that someone tried to open a credit card in my name, the phone number my husband was given was to a DES office ( Department of Economic Services ), the area code was XXXX, not a XXXX number for a return call. I than received a call from a bank that a credit card and charge was made to a new account. I than did a credit report and found different spelling of my name, different address, and phone number.
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

I received a letter from my Chapter XXXX Trustee that stated that Ocwen was paid {$530.00}. I reviewed my payment history, and it does not look like Ocwen Credited this amount to my account anywhere. I am attaching a copy of the letter so that you department can review it to validate my claim.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (LA)

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (VA)

XXXX XXXX has been difficult to work with from the beginning. My girlfriend was the primary person on the application and she tried returning the product less than 5 days of having it. She called the salesmen and the company in XXXX and they told her too bad she had to keep the product even though the loan was " secured ''. My girl friend left her job because they were calling multiple times per day and her manager was mad that she was receiving personal calls at work. They threatened to garnish her wages and told her that they would make her pay either way. They have not updated any information on my XXXX report since XX/XX/XXXX. I pulled a report from XXXX on XX/XX/XXXX it showed a balance of XXXX in XX/XX/XXXX. However, on the XXXX report pulled XX/XX/XXXX they show a balance of XXXX. XX/XX/XXXX I had a XXXX  report pulled and it shows the reporting XXXX dollars from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX had court case was finalized against my girl friend for this account in the amount of XXXX but on my report XXXX dollars. We have received no more letters or correspondence since then. My XXXX XXXX report is showing this account currently listed as Castle credit and has not been unpdated since XX/XX/XXXX. My XXXX XXXX  report is listed as XXXX XXXX. I have disputed this information because this account because no similar accounts even show up on my XXXX account. My girl friend is showing the Castle Credit on her XXXX and XXXX XXXX on XXXX but not on XXXX.. Per my bank it is illegal for both accounts to 1. choose which report they are going to report to and 2 have 2 companies reporting for the same account with different amounts.
Consumer complaint received 2017-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion  XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX    XXXX    XXXX . Box  XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.     XXXX   XXXX   XXXX   XXXX   XXXX   The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15 U.S. C.  1681c-2 (  b ) .III. A. Blocking Information in Credit Reports under  Sections-605B and 623  ( a ) ( 6 ) Under section  605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Consumer complaint received 2022-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

The Credit Bureaus have failed to conduct a proper investigation in order to correct the following erroneous information being reported on my XXXX XXXX. I have read that the Credit Bureaus are required to required to validate these accounts in line with the FCAR section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have been sending letters to addressed to the Credit Bureaus requesting that they conduct proper investigation and correct any erroneous reporting they can find. But despite all my efforts to correct my Credit Report, the Credit Bureaus seem to find entertainment in seeing a consumer struggling with their Credit Reports. I am now submitting this complaint requesting another investigation to be properly conducted this time and correct all erroneous reporting on my XXXX XXXX. Specifically, I need the following account corrected now : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

The Company PHOENIX FINANCIAL SERVICE has been calling my job and my personal cell phone repeatedly. I have advised them NUMEROUS of times that the medical bills that they are saying that I owed was already PAID for by my MEDICAID ( even provided my Medicaid ID number ). I also have evidence from the three Credit Bureaus that this was paid and already taken from off of my credit reports. Its for {$1200.00} and {$34.00}. I have sent letters repeatedly showing them that it was taken care of and paid for by Medicaid. Today I got a notice that they added this back to my Credit which made my score dropped nearly 100 points. They are stating that they are also Lawyers and laughing when I am telling them that I have proof this is paid for. I work for a XXXX XXXX and would like to take legal action if this is not removed from report and that they also need to stop calling me a harassing me. I am at work right now, but I will upload and send in all proof that this was taken care of no later than tomorrow. 

This is the Companies Information PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX XXXX '
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (VA)

I am in XXXX army XXXX and I have dropped XXXX classes of XXXX University XXXX thru the XXXX Portal XXXX. In this case, The XXXX University XXXX XXXX XXXX shall get paid for the 75 %. XXXX can not collect the full amount because I droped the class before the deadline. But after XXXX took the 75 % which is {$1100.00}. XXXX tried to collect addition {$370.00} from me personally. This was wrong claim because I have drop the class at its 75 % point. Now XXXX is using a company called Reliant Capital Solution ( RCS XXXX to get {$480.00} from me. RCS wanted this to be paid by XXXX XXXX 2015 with fees and interest. The claim is wrongful because I have dropped the class at its 75 % point. The fees and interest % is also so high that is over the Service Member Relief Act. Please help a solider in this wrongful claim and harassment.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NV)

I discovered XXXX inquiries on my credit report that were unfamiliar to me.

I contacted each financial institution and each informed me that they were not done by me.

Here is the list of each company that verified that it was not me that inquired for the credit cards. 

XXXX XXXX phone number XXXX XXXX XXXX phone number XXXX XXXX Barclays Bank phone number XXXX
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

On XXXX I fill for Bankruptcy Chapter XXXX at United States Bankruptcy Court for the District of XXXX XXXX . My Creditors ( the ones appear on my Credit Report stated " ..Debit included in/or discharged through bankruptcy Chapter XXXX.. '' on XX/XX/2020. I do not disagree. Only one Creditor did not proceed same way XXXX XXXX XXXX XXXX XXXX XXXX. 
I came to talk after a few attempts ( only record on other side ) within a men XXXX ( XXXX ) to ask why the Institution does report late payments when that Personal Loan were included on Bankruptcy? His answer were " Loan not paid yet ''. Strange are after that call came to appear on my Credit Report " Charge-off ''. Is that legal? I read articles that Experian post periodic and I remember to read that charge-off come to appear 180 past due, this one only 90 days and on following month came appear charge-off. 
The effective date of confirmation of the Plan by the Federal Bankruptcy Court are XXXX. 

On my Credit Report also show " Accounts ever late 12 ( twelve ). Why that appear when all creditors report on XX/XX/2020 the debit are included on bankruptcy chapter XXXX? They not report nothing on the following months.
Consumer complaint received 2015-12-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quad Corporation, Inc. (IA)

A default judgment was taken against me while I was dealing with my child 's injuries ( emergency surgery, XXXX XXXX XXXX ) from a devastating car accident. The judgment was for {$1400.00}, but I only owed {$380.00}. I paid the {$380.00}, but think it is unfair that they sued me for over XXXX times the amount I owed.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (AZ)

I sent a letter to a bank where I had a checking account. I had moved and wanted to close the account and have them send me the funds. Instead of sending them to my new address, they sent them to my old address. Now they are unwilling to reissue another check.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2015-10-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Autovest, L.L.C. (AL)

I was sued by Autovest LLC on an alleged loan. 
Autovest is a debt collector. They knew that the debt was beyond the statue of limitations. 
This company has had me in court for over 2 years and has tried to garnish my wages over a time barred debt.