davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP (FL)

From XX/XX/XXXX to XX/XX/XXXX US Bank National Association has committed and is solely responsible for multiple violations of the FDCPA. Attached is material documentation to support my statements below : 1 ) I have no contractual agreement or loan account with US Bank 2 ) I owe US Bank no monies. 
3 ) US Bank paid " no value '' for anything they presume legal rights to claim that I am in possession.

3 ) From XX/XX/XXXX to XX/XX/XXXX US Bank has sent, by USPS, documents/communications directly to me misrepresenting a " debt '', offers to modify that debt, then consistently " XXXX '' me when I respond to their offers. 
4 ) In XX/XX/XXXX, I was informed by a US Bank representative via telephone that the " account is closed '' when I called about technical difficulties that occurred for several days when I tried look up the account online.

5 ) 60 Days allotted to US Bank to respond to any complaints they receive from me is NOT acceptable and is another stonewalling tactic on US Bank 's part to plan another " escape '' from answering these direct allegations. 

US Bank National Association 's repeated Violations of the FDCPA 1 ) Attempts to seize property for a non-existent debt 2 ) Attempts to collect debt not owed by material misrepresentations 3 ) Attempts to seize property to steal the equity therein 4 ) Contempt of Court by failure to obey a XXXX Federal Court Order for a Mortgage Modification Mediation to validate the debt and modify it. 
5 ) Violation of XXXX XXXX Bankruptcy XXXX in XX/XX/XXXX. In XX/XX/XXXX, US Bank allowed employees attorneys of a law firm to file a personal injury lawsuit to collect foor a " non-existent '' loss for a bankruptcy XXXX non-existent debt. 
6 ) Written notification about debt - I have bbeen disputing this in writing since XX/XX/XXXX. 
7 ) False statements or representation ( trying to collect any amount ) 8 ) Took negative action by legal action abusing State Court Judicial officers and procedures.

9 ) Threatened t seize property by getting a State Court Judge to set a sale date of my property for XX/XX/XXXX.
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage was sold to Mr Cooper Mortgage Co. After setting up my automatic withdrawl for payment with them, they proceeded to take multiple payments ( 3 ) out of my account the first month. It took several calls and numerous months to fix this simple issue. 
Secondly, I made several extra payments in order to pay my loan off quicker. I paid my 15 year mortgage loan ( # XXXX ) off in approximately 50 months. In late XXXX of XXXX I called to get a payoff amount on my loan. The representative told me there would be a {$35.00} charge to get that information. I laughed and said are you kidding me? Out of principle I did not get the exact payoff amount. Instead I chose to just pay as I recall about {$88000.00}. on the balance of roughly XXXX Assuming interests and escrow balance would wash out the following month. If I owed a few extra dollars than Mr Cooper would adjust my account and I would pay it the following month. Likewise if Mr Cooper owed me than a check would be issued to me. I waited several days and went on line to check the updates made to my account. A message instead came up on my account and said CONGRATS YOUR LOAN HAS BEEN PAID IN FULL. No numbers or statements were available for me to review. I called Me Cooper and they told me on at least 5 different occasions that the balance was XXXX. No money was owed to either party. Two supervisors even stated this to be the fact. I let them know this was impossible. After all there was a couple thousand dollars in my escrow account at the time of my final payment. I thought about calling an attorney but thought better to allow this company to rectify the matter. Again upon calling i was told i owed nothing nor would i be refunded any dollars. I told them that's impossible. I randomly picked a dollar amount and made that last payment and it worked out exactly to XXXX. Sounds a bit fishy to me. I received a letter date XX/XX/XXXX from MR Cooper. It contained my loan number, full name and property address. It also contained a Customer Service number to call. I called it and made reference to the statement in the letter that Payments and interests were not properly applied to my balance and that I would be receiving a check under separate mailing for the difference. No amount was given nor was there a date or timeline. In fact the representative told me he saw no record of any such letter. The hits just keep on coming!! This seems ridiculous to me. I paid my loan off in the end of XXXX of XXXX and I am still dealing with this inept company. They should be fined and reviewed for other errors. I am sorry to complain but I need your help
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX : Absolute resolutions Open Balance : {$6700.00}
Consumer complaint received 2022-04-01
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 following account is not mine XXXX Account : XXXX The following account is not mine XXXX Account XXXX Please remove from my credit report I disputed collections and still showing on my report please assist.
Consumer complaint received 2020-06-03
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. (IL)

XXXX  ; XXXX  and Transunion should not be reporting lates in XXXX and XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus  Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and  these lates need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-26
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 have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (NJ)

To whom it may concern, last year I was at a car dealership looking to finance a new vehicle. I informed the car the salesman that my credit at the time was in fair condition and that I did not want to get my credit pulled multiple times, which would result in a lower credit rating. The car salesman reassured me that they would only pull it once. Come to find out, I ended up having more than XXXX hard inquiries on my credit report throughout XXXX, equifax XXXX XXXX.These are the hard inquiries that were added on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

EQUIFAX IS REPORTING AN ABSOLUTELY FRAUDULENT AND UNKNOWN ADDRESS ON MY CREDIT REPORT< IN A TOTALLY DIFFERENT STATE> THIS IS THE INCORRECT ADDRESS SHOWN ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX???? 
NEVER BEEN THERE AND THERE NEVER LIVED THERE! RIDICULOUS! 
THIS ADDRESS SHOWED UP OUT OF NOWHERE ON MY CREDIT REPORT ON XX/XX/XXXX, AND I BELIEVE THIS IS A RETALIATION ATTEMPT BY EQUIFAX TO PURPOSELY MESS UP MY CREDIT REPORT, DUE TO THE FACT THAT I HAVE BEEN DISPUTING ACCOUNTS WITH EQUIFAX RECENTLY! 
EQUIFAX EVEN JUST SENT ME A LETTER TO MY HAWAII ADDRESS ( SEE ATTACHMENT ) I DISPUTED THIS ADDRESS WITH EQUIFAX AND SENT THEM A COPY OF MY HAWAII DRIVERS LICENSE - YET EQUIFAX SAID THIS FAKE FLORIDA ADDRESS IS VERIFIED- WHAT A FRAUD AND VIOLATION OF MY RIGHTS- I WILL CONSULT WITH MY LAWYER AND CONSIDER A LAWSUIT, IF THIS FAKE ADDRESS IS NOT REMOVED IMMEDIATELY!
Consumer complaint received 2022-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Uplift, Inc (CA)

I have requested that Uplift stop autopay on my XXXXXXXX XXXX XXXX through email. Uplift has refused. They are stating that I must call or use the chat feature. There are two issues with Uplift 's request. 1. Chat feature will not work, and states I must call. 2. The call-in wait times are 75+ minutes. Uplift falsely states that it is the policy that they must read a disclosure. When I started auto pay, I did not get a disclosure ; why would I need one to stop autopay. XXXX  rules are apparent that a merchant must comply with when a cardholder requests to be stopped billed. They violate these rules.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

In XXXX of XXXX, Usaa bank and their " perferred partner '' XXXX XXXX XXXX pushed through a loan on a truck that was falsely advertised and in the contract was stated as a limited when it is infact not. The original loan assessor had declined the loan stating the vehicle was not at value and did not have advertised items. After 24 hours and a conversation I was not priviledge to the loan officer and the sales associates came to an agreement and the loan was granted. I became extremely skeptical about this but a new loan officer was attached to my account and I was sold a truck that is not what the sales company stated it was inorder to get the loan approved I believe the loan officer and the salesman came to an arrangement on the contract allowing it to go through. The truck is worth maybe 2500 in current condition and I am stuck with a XXXX loan. This loan was based on the trucks condition of good or very good when at best its poor. Stated there would be a new timing belt which couldnt be verified due to replacement sticker not being on case and without opening the case I'm having to trust their word. The lift was done incorrectly the power steering rack doesnt operate correctly, does not run perfectly, had tears in seatbelts, there isnt a tow package on the vehicle which was stated in thr loan, non alloy wheels, no bluetooth XXXX, and basically 80 % of the actual advertised truck condition was a lie.I tried asking what changed and why they approved the loan when I realized they forged documentation stating the truck was limited and it most certainly isnt. I havent been able to get either company to take responsibility and they both stated to take them to court.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (ID)

Discover Card has duplicated and, in one case quadrupled, charges on my account. I have called four times over three and a half weeks to resolve the issue. Each time getting transferred and left on hold. Discover says they are aware of the problem and working to fix it. The last person that I spoke to said she would fix it right then. Its been over a week and has not been fixed. Im currently on hold with them for the fifth time about this same issue. The charges add up to hundreds of dollars that has put me over the credit limit which was reported to credit bureaus and affecting my great rating. They are charging interest on these charges. Charging me double and quadruple for a single purchase is theft. I have notified them and asked them to fix it multiple times for three and a half weeks. They continue to charge and are not fixing it. My autopay accounts are getting declined because of these duplicate charges running my balance over the credit limit. 
The charges range from XX/XX/XXXX through XX/XX/XXXX. There are 13 duplicate charges and one quadruple charge totaling hundreds of dollars.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was given payment assistance for COVID 19 in XXXX and XXXX. I was told no interest charges would be assessed in XXXX and if I needed assistance in XXXX to call back in again in XXXX and request it again. I requested assistance in XXXX for my XXXX payment and was told that it had been processed and no payment was due, at no point was I told that interest charges would be assessed for XXXX, and I was not charged any interest in XXXX. So when I got approved for XXXX assistance no interest should have been charged either, I wasn't told I would be charged interest!! So I got my statement today on XX/XX/26 and I was shocked to see interest and in fact in was 35 more than in previous month even though my balance was lower!! So I Called and spoke with XXXX on XX/XX/26 who said that he would he would adjust the interest charges for me since I was not told the charges would be assessed in XXXX, Also he states that he could not figure out why interest was higher because the APR prime rate was lower this month than in previous month and my balance was lower!! So he would adjust it and waive it, when he tried the system would not allow him to waive the XXXX in finance charges or whatever they were and then got very stern and said it wouldn't let him do it so was there anything else he could do, really? Your system wouldn't let you fix the error so you basically just try to pass it off like it didnt happen!!! Then I get transferred to a manager named XXXX who was even worse who states that Cpaital one decided late XXXX to change the policy and start charging interest and she couldn't do anything and basically this was how it was and she couldn't waive the fees that the system wouldn't allow her to do anything either. She basically has the same authority as the previous agent and I asked even though I wasn't told that I would be charged interest and had been previously told interest was waived now you change the policy without telling me verbally or in writing that im out of luck!! She basically tells me because capital one changed the policy there is nothing she could do. Even though my balance is lower and the APR is lower my finance fees are higher than in previous months, how is this even possible!!! She wasn't even trying hear me out on this!!
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (KS)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX ADDRESSES : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX A XXXX  XXXX XXXX : XXXX AND XXXX XXXX XXXX KS XXXX ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX EMPLOYERS : XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX  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 2022-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (OK)

I was contacted by what I now as an imposter of LendingTree. This individual called themselves XXXX XXXX, and said they were a senior loan manager. They reached out only by text and phone. They had my information already. These events occurred on XX/XX/XXXX around XXXX pm. They called in the morning several times under a XXXX, then texted from a XXXX, telling me I was prequalified for a loan and to call XXXX. I ignored it because I didnt associate the number with the one calling me incessantly until I talked to that individual. They stated they are XXXX XXXX. They had my information, said my requested amount of XXXX was approved, needed to verify my account which they then got access and moved money into my account and around between my savings and checking. Then stated I did not qualify for the loan, that XXXX or something needed to be paid back once the transactions completed. I got off the phone with them realizing I stupidly fell for a scam, so I immediately reported to the real LendingTree so they could be aware of an impersonator of their brand. I then contacted my bank to close my account. I also am working to report this action to the credit bureaus, XXXX, XXXX, and XXXX. I wanted to report it here because I am now receiving text threats which state I will be reported for money-laundering because I have not answered their calls. Which ironically they never leave a voice message and I assume that is because they dont want to be identifiable. I screenshot the texts I received from this individual. I dont want to be criminal charged for anything because Ive never been in such a situations. Im a law-abiding citizen and I dont want anyone else to fall victim to such a scam now or in the future.