davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  account : XXXX XXXX XXXX # XXXX, and XXXX XXXX # XXXX, and Child Support # XXXX. Has violated my rights. 
15 USC 1681 SECTION 602 A. STATES, I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1692d-HARASSMENT OR ABUSE ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONSEQUENCE OF WHICH IS TO ABUSE THE HEARER OR READER. ( CAUSING MENTAL ANGUISH ) 15 USC 1692 b. ACQUISITION OF LOCATION INFORMATION.

ANY DEBT COLLECTOR COMMUNICATING WITH ANY PERSON OTHER THAN THE CONSUMER FOR THE PURPOSE OF ACQUIRING LOCATION INFORMATION ABOUT THE CONSUMER SHALL- ( 2 ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT TITLE 15- COMMERCE AND TRADE CHAPTER 94-PRIVACY SUBCHAPTER I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION SEC. 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION 15 USC 1635 ( a ) DISCLOSURE OF OBLIGOR 'S RIGHT TO RESCIND, AND ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION.
Consumer complaint received 2022-06-20
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. (IL)

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 XXXX has me at a score around XXXX. 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AR)

After exempting my property via U.S Bankruptcy court in the XXXX District of ARKANSAS, with magistrate XXXX XXXX presiding over the proceedings, the De Facto lender JP MORGAN MORTGAGE ACQUISITION CORP is still committing fraud against my estate at XXXX XXXX XXXX XXXX, XXXX, arkansas XXXXzip exempt, by mail fraud with law firm XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX Phone ( XXXX ) XXXX, with reference to deb collection activity for a securitized and unregistered mortgage backed security instrument via the company and parties allonging, inability to file a UCC1 secured claim against my property. Hence, the filing of UCC1 would prove mortgage fraud, the mortgage itself becoming an investment instrument and not a debt instrument. Please advise JP MORGAN MORTGAGE ACQUISITION CORP to follow GAAP POLICY FAS133, FAS140, UCC2-302 rescission of signature and unconscionable contract, UCC3-305 defense & recoupment to set off for promissory note that was tendered, refused & discharged by JP MORGAN MORTGAGE ACQUISITION CORP on closing date of XX/XX/XXXX associated with my real property located at XXXX XXXX XXXX XXXX, XXXX XXXX arkansas XXXXzip exempt, and have them to disclose their full accounting bookkeeping entries form OMB FEDERAL RESERVE FORM FR_2096 prospectus to I, the natural person and secured party to the Estate of I, the natural person and secured party of Estate to I, XXXX XXXX XXXX with the recoupment of tendered notes generated by the tendering, refusal and discharging of promissory note and also the recoupment of derivative notes generated by the mortgage backed security UCC2-302 to I, XXXX XXXX XXXX, natural heir , real party and secured claimant to estate. 
H.R.2938 - 116th Congress ( 2019-2020 ) : Honoring American Veterans in Extreme Need H.R.8354 - 116th Congress ( 2019-2020 ) : Servicemembers and Veterans Initiative Act of 2020
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

We inquired about refinancing our home mortgage with Truist Bank aka SunTrust or BB & T who was our lender at that time. Interest rates were going down and were told it wasnt a good option for us and it might not be possible. So we worked with a different lender and refinanced lowering our interest rate by nearly two points. We closed with the new lender and the loan with Truist was paid in full and we received conformation of this via e-mail from Truist and were told it would be 7 10 days and the Escrow Balance would be processed and sent to us. Two weeks later I called after we received the monthly mortgage statement in the mail showing a XXXX balance and the escrow amount owed to us, Our Money, Not theirs. I have called their customer service line and spoken with representatives and requested a supervisor once a week for six weeks and have now been provided an escalation case number. They claim to have sent my escrow funds to me on XXXX XX/XX/2021 yet it still has not arrived and they claim they cant provide me written proof or documentation that they ever sent the check. Their current claim is that covid is slowing mail delivery and thats why my check has not arrived in the past 16 days. On Monday XXXX XX/XX/2021 I sent a check via snail mail from CA to MD and it arrived Wednesday XXXX XX/XX/2021 so this can not be true. They have now exceeded the duration to return my escrow funds to me as required by federal law as the refinance closed at XXXX XXXX XX/XX/2021. Truist Bank aka SunTrust Bank or BB & T is known and documented as being a lender that holds money owned to clients and customers so they can earn interest on those funds as long as possible and delaying the lawful return of customer and clients funds to them not only to gain the interest but to deny and prolong the time when the owner of those funds has access to them almost as a form of retaliation for changing service providers. Their actions are not only unlawful and criminal they are unethical.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cadence Bank (MS)

I was denied a mortgage loan. I started the application process on XX/XX/XXXX. The loan closing date was moved to XX/XX/XXXX. The reason for denial of the loan from BancorpSouth was sited as my current position of XX/XX/XXXX fellow has an end date of XX/XX/XXXX. I have worked steadily as a XX/XX/XXXXfor the past ten years. I started my current job as a XXXX XXXX  fellow in XX/XX/XXXX. I applied for a conventional loan with 20 % down. My credit score, assets, and wages were satisfactory. BancorpSouth was aware of my current job when I applied for the loan on XX/XX/XXXX. I received a call from XXXX XXXX, loan officer, at XXXX XXXX XX/XX/XXXX stating that BancorpSouth would not approve the loan for the above stated reason. I spoke with her on XX/XX/XXXX XX/XX/XXXX to assure that the loan would close on or before XX/XX/XXXX because the initial closing date was changed due to BancorpSouth. I was told that it would surely close before XX/XX/XXXX by XXXX XXXX. I paid for the appraisal through BancorpSouth. The appraisal was satisfactory. XX/XX/XXXX is the day before XXXX ; the next day, XXXX, which is a holiday, the bank would be closed. I was told on Wednesday, XX/XX/XXXX at XXXX XXXX that BancorpSouth would not approve the loan. The closing date was scheduled for XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-12-02
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)

I'm a victim of identity theft someone stole my identity and did some really bad things using my personal information they open Accounts without my consent stole money from my bank Accounts and now this, please help me Resolve this matter ASAP thank you
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC (SC)

My wife is shopping for home loan pre-approval and provided information to XXXX XXXX NMLS ID # XXXX ( XXXX ) XXXX XXXX and provided my S.S. Number which she copied incorrectly. XXXX took it upon herself to pull my credit via other means as she did t have to correct XXXX number. Also, when I had a conversation with XXXX XXXX I specifically asked if the credit pul would be a hard inquiry, which she informed me it wouldnt. I called to speak with her and she became irate yelled at me and then hung up on me. I would like the situation rectified as my XXXX XXXX has decreased because if this.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (PA)

I writing because I pull my credit on XX/XX/XXXX found out about this collection from Plaza Services Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter Plaza Services they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 
1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 
2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 
3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b XXXX FTC opinion letter XXXX from XXXX. 
Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PRA failed to validate the debt or establish that the debt is associated with me. As. PRA knows the XXXX statement provided is insufficient to either validate the debt or associate it with me. 

I never set foot in a XXXX - anywhere. 

And PRA lies when it says that the challenged information is not a reinsertion. A conclusory statement that they " can find no records " is insufficient. 

XXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Embassy Loans (FL)

XX/XX/2020, spoke first with XXXX then several other employees with this in mind I was a prior customer and had a few questions about this debt cancelation insurance??. And why my past contact was for 12 months then as the new one I was almost ready to sign notice 14 months?? When asked the store was really almost believable but this time as wasn't desperate for the loan being Covid-19 and the hardships every American has trying to scam one isn't going to be taken lightly ... .I have fully covered auto insurance they still added that extra debt cancelation fees cost of even making payments is needed attention by every one ...
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (CA)

credit collections is wrongfully reporting a collection on my report and is NOT willing to cooperate to either accept payment in lieu of resolution or delete it because they don't have it on their records and can not find any account in their system that matches my personal information My numerous attempts to resolve this issue with credit collection services went either ignored, or they start calling me for collections harassing at work, home and relatives. However when I tried to pay to get this over with they told me they do Not have this account and I have to call XXXX XXXX, don't even know who they are but have no number or account for me to call, AND they keep reporting this account on my credit report. When I dispute this with the bureau, the process of harassing calls starts again ... this is ridiculous and illegal!
Consumer complaint received 2021-02-27
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: EQUIFAX, INC. (FL)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX  XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 
In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NJ)

Ive had a credit card account with discover since XXXX. Since then I have attempted to increase the credit limit three times, two of the most recent time being this year. Each time, I am told my credit limit cant be increased but I can not understand why. When I first received the credit card, I was a XXXX XXXX with no job. Albeit now I am a working class member of society making solid income, have a solid credit shore, and I pay each statement on time, so I can not understand why I have not been granted the increase. It makes absolutely no sense. The small limit that I have can barely manage emergencies which is why I dont really use the card. But as soon as I stop using it, I receive an email telling me Im offered 0 % interest for the year. It makes no sense Discover!!!
Consumer complaint received 2022-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I've had account with Navient from XXXX XXXX since XXXX. I made payment agreement with them XX/XX/XXXX to pay XXXX XXXX XXXX XXXX XXXX. They require {$50.00} to do the agreement with them. XXXX and XXXX of this year they charged me {$8.00}, {$28.00} and {$110.00} for XXXX and {$110.00} so far for XXXX and this breaks the agreement. I never authorized the extra funds to be withdrawn from my bank account. I tried to reach out to Navient and they just give automated reply saying they have higher than normal requests to deal with and I can't get anybody. I got on the agreement plan because of my income and I can not afford to be getting over {$100.00} in fees from Navient especially when it is not authorized. I don't know what to do and I don't know if they will refuse to refund the money they illegally took from my bank account. I need my money back ASAP. 

The agreement with Navient is set up as auto payments for XXXX XXXXXXXX so they have my bank information and they just decided to withdraw more money without my consent. 

I am really scared that because Navient has my bank information they will withdraw funds that I can not afford and are unauthorized which is what they are doing. I need help!
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (ME)

I am unable to withdraw fiat or crypto currency from the platform Binance.us ( user ID : XXXX ) suddenly and for no apparent reason. I was able at least as of : XXXX XXXX USD XXXX. 
I have over XXXX dollars that I very much would like to transfer into my bank account. This issue is negatively impacting me financially and causing hardship. 

When I try to withdraw either XXXX or crypto, I am given a message that says " Withdrawals suspended due to risk management ''. I have done nothing to warrant a suspension. I have no negative balance, and none of the common issues described on the support site apply to me. One day it was working fine, the next it was not, with no changes made. I appear to not be the only person experiencing this issue when investigating forums such as XXXX. 

I have issued a ticket ( # XXXX ) with the company some time ago and have not received a response. Essentially I feel like my money is being held XXXX, and I have not been given any indication why. This has been going on for multiple weeks. I have tried to no avail at least once each day to withdraw funds. 


This is not an issue with my banking institution ( XXXX ).
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (CA)

Rent Recovery Solutions says I owe them {$910.00}. I already pay this debt off to them back on XX/XX/XXXX of XXXX. I sent them a cashiers check in the amount of {$5100.00}. I then received an email from them saying that I owed XXXX dollars, and that my account was now closed. I received this notification on XX/XX/XXXX of XXXX. The debt was removed from my on-site rental history report as well as my credit report. In XX/XX/XXXX, rent recovery sent me another bill in the amount of {$910.00}. Since we had already negotiated the original debt, and I paid off the agreed upon amount, they should not be saying I owe them money again. About two months ago, I submitted a dispute describing the situation, onto the on-site rental website. I heard back and was notified that the debt was valid, according to XXXX. The notification also said that if I did not agree with the decision, that I would need to talk directly to Rent Recovery Solutions for Resolution. I first started calling Rent Recovery Solutions about four weeks ago. Every time I called, no one was able to figure out why I owe for the {$910.00}. They said that I would need to talk to the woman who was assigned my case, Miss XXXX. I called repeatedly over the next couple weeks, and Miss XXXX was never there. I asked to be forwarded to a supervisor, and they transferred me every time. This went on for two weeks, and every time they forwarded me to a supervisor it went straight to a voicemail. I would leave an in-depth explanation of why I was calling, and I would played that they called me back soon as possible. I have never received a phone call back from them. My husband also has this debt on his on site rental report. He needs to move in with me into my apartment I live in now, but he can not be added to the lease as long as this debt still shows on his on site report. If he is not on the lease, I am not allowed to have him live with me. He is in ill health and needs to live with me now more than ever. It is as if Rent Recovery Solutions is holding my life hostage by not helping me resolve this situation in any way whatsoever.