davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX  is reporting a XXXXXXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.
Consumer complaint received 2020-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

My mortgage loan was transferred from XXXX XXXX  to PNC mortgage as of XX/XX/2020. Prior to the transfer of my loan XXXX reviewed my escrow account and confirmed there was a shortage which caused my mortgage payment to increase. It was confirmed my homeowner 's insurance premium had significantly increased but Prior to the transfer of my mortgage I had my home owners insurance reevaluated and the premium significantly decreased as well. I reached out to PNC mortgage on XX/XX/2020 and was advised my escrow account would be reanalyzed and I would receive a new coupon book in the mail or I was able to go online and see my review and new mortgage payment amount. A week went by and I enrolled online and confirmed my payment still reflected the same amount. I made contact again with PNC mortgage and was advised no request had been completed and was also advised they didn't have access to my escrow analysis review previously done with XXXX XXXX  and they needed this information in order to reanalyze my escrow account. I sent my homeowner 's insurance declaration page and the information on property taxes in order to have my escrow account reanalyzed. I was advised the requested documents would take a couple of days to view and the information to be updated. I called again and was advised the request for reanalyzing the account was never submitted again. The request was submitted. After another attempt I was advised I would have s supervisor call me with the updated information on my new mortgage payment and would be able to make my XXXX payment at that time. I received a call from a manager and was then advised they were not able process my request and would follow back up with me XX/XX/2020 I went ahead and made my XXXX payment at the higher amount to get it taken care of. I never heard back from the manager who confirmed she would be the one working on the matter and she would take care of it. I called PNC  mortgage XX/XX/2020 and requested to speak to a manager and my request was denied. I was then told my request would be escalated when told I would reach out to the XXXX XXXX XXXX, the representative stated a manager would reach out to me within 24 hrs I have not been contacted by anyone at PNC mortgage as of today XX/XX/2020. Also as of today my escrow account has not been reanalyzed and my payment remains the same. I feel like PNC mortgage has taken advantage of ever aspect possible in this matter from being promised certain things and not following through with them. The lack of knowledge of Representatives I had to speak to is an understatement. Each and every time I called I was told something different and I always did and sent everything I was being asked for.or provided everything I was asked to provide.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There was a fradulent purchase made with my CAPITAL ONE credit card. I tried to file a dispute, and was told that I did not provide enough evidence to have this charge reversed. XXXX XXXX XXXX fradulently used my card to order an appraisal from XXXX  XXXX XXXX, however, I never authorized this charge at all. There is nothing in documentation that indicates that I authorized this charge. This is absolute fraud. 

Case Number : XXXX
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, incorrectly entered XXXX new entries that they were not there on the XX/XX/XXXX report and all XXXX are incorrect the XXXX liens were released in XX/XX/XXXX Docket # XXXX and XX/XX/XXXX Docket # XXXX See Attached IRS refunds of all penalties and interest Also the XXXX has been illegally reporting me and file a Judgement on a wrong account that is not mine and is over XXXX years old all of it must be removed
Consumer complaint received 2022-11-23
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: SYNCHRONY FINANCIAL (GA)

Ive sent multiple cease and desist letters to SYNCB/TJX COS already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia [ XXXX ] SYNCB/TJX COS XXXX XXXX XXXX XXXX, FL XXXX XXXX : SYNCB/TJX COS account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by SYNCB/TJX COS , ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation *Zero out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing XXXX, XXXX XXXX at XXXX. ) Respectfully, XXXX XXXX
Consumer complaint received 2020-03-06
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. (CA)

I was made aware of an account on my credit report that does not belong to me. The accounts name is XXXX XXXX XXXX XXXX XXXX opened XX/XX/2016 {$6000.00}. I have no idea who is responsible for opening this account but I did not give anyone permission to open it in my name. I filed an FTC report as well as a XXXX XXXX police report which I have attached to this complaint.
Consumer complaint received 2016-07-13
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TN)

I have disputed this debt with XXXX and AD ASTRA.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.Ad Astra only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.
Consumer complaint received 2022-11-23
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-15
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my XXXX venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$84.00}
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

LexisNexis XXXX # : XXXX Case # : XXXX Bankruptcy Record 1 is showing a record source of MO FEDERAL BANKRUPTCY XXXX. Attached letter from MO FEDERAL BANKRUPTCY shows the court does not verify such info. I would like the record removed from my report.
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ME)

Caught up in the sub-prime mortgage and the housing market crash, my mortgage has been tossed around to finally land with Ocwen loan servicing for XXXX. Due to the loss of employment XXXX for my boy friend, who contributes to half of the mortgage payments, and my job loss a couple years after, we have fallen behind in our payments. Starting in XX/XX/XXXX, Ocwen started refusing partial payments from me and ( sort of ) started the modification process that has been going on since XX/XX/XXXX and continues today. 
To summarize, from a time line I have compiled on my mortgage situation, I offer the following information : Summery : XXXX Modification Packets sent to Ocwen between XX/XX/XXXX - XX/XX/XXXXXXXX phone appointment re-scheduled by Ocwen XX/XX/XXXX-XX/XX/XXXXXXXX ( possibly more ) requests for additional information on my second employer. 
XXXX Relationship Manager changes. 
When speaking to modification representative as well as the weekly auto-calls, the service representative does n't seem to know any information on current correspondences or that I am already working on modification. 
Over this time the late fees, photographing the property ( which is only an image of the corner of our garage from the road ), un-realistic property value comp and a random fee for modification request back in ( I believe ) XX/XX/XXXX, that was not stated on any of the forms has been added to my debt to Ocwen. 
The big hold op for Ocwen seems to be my second employer which is a 15 week teaching position. After sending Ocwen my teaching contract, copy of the last pay stub and a letter from myself explaining the payment schedule, Ocwen tells me it is not enough and has to review it. Now on my last phone conversation with Ocwen, they said the information I had sent in regards to the teaching position does not fall into the government guide lines. Ocwen has put off another modification phone appointment so they can review the information yet again. Mean while, my anxiety and anger increases, I can not make any repairs or improvements on the house and myself and my bot friend can not get on with our lives without fear. 
Every time Ocwen requests a bit of information it is not always what they really need. They seem to communicate with out clarity. So I may send what they asked but dates will be wrong and then I have to fix that information. And so it goes around and around. I have gone through a local agency, XXXX XXXX ( XXXX XXXX ) who were a big waste of time and not helpful. I also talked to a finance councilor, who after giving them all the information the Ocwen has, told me that we should be all set for a loan modification. 
A friend led me to your organization and I trust you can help. Thank You. XXXX XXXX.
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (PA)

Please see CFPB case # XXXX - I am submitting this complainT today to show that Dovenmuehle Mortgage company made charges to me based on fraudulent documents - Please find attached documents submitted by Dovenmuehle stating that I agreed during closing to pay for inspection fees - and they have provided fraudulent signatures - my father XXXX XXXX XXXX was never a party to sign anything - NO CLOSING took place, only an assumption/transfer of the mortgage for {$30.00} paid by XXXX XXXX XXXX - Please note on Dovenmuehle 's fraudulent documents, there is white-out on the copy which voids documents - XXXX XXXX ( XXXX ) XXXX the XXXX are signed differently. There are XXXX different dates on the fraudulent document with the signatures XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - Please look at notary seal - there is white out and the date is unclear. I have attached the True documents from XXXX, Pa Records department showing the deed was between XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX ONLY - NO transfer tax was due only a cash {$30.00} paid for recording. I know I never signed this fraudulent document where XXXX or Dovenmuehle can claim I agreed to inspection fees - yes my account was late and due only ordinary late fees but my account was current. Please investigate further - if these documents appeared out of the blue for me in favor of the mortgage company making excessive charges they are also being attached to other mortgagees. Please investigate. These fees I NEVER agreed to I NEVER had a CLOSING - I assumed my siblings old mortgage NEVER signing anything new I NEVER NEEDED another refinance or loan modification - NEVER ANY NEED for me or my PARENTS TO SIGN THIS FRAUDULENT DOCUMENT. Also, please note, I have attached a copy of my XXXX XXXX form provided by XXXX XXXX - XXXX XXXX XXXX ( XXXX ) XXXX is not listed..
Consumer complaint received 2020-03-07
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. (CA)

On XX/XX/2020 I provided my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intended to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the remaining unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand any and all of the following accounts be removed from my credit report
Consumer complaint received 2022-03-15
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.
Consumer complaint received 2022-11-23
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. (VA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX