davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
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. (WI)

I started this complaint process XX/XX/20. The most recent correspondance from Equifax dated XX/XX/20 stated an investigation was performed and the results mailed to me. I still have not received their response. I am now going to attach the letter that XXXX XXXX  mailed to me and also Equifax requesting the hard inquiries in question be removed.
Consumer complaint received 2023-09-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

I took out a loan in XXXX of this year. To be paid back by XX/XX/XXXX. Payments are no weekly and I am able to request for payments to be placed on the back end of my loan if I am struggling to pay. This company is attempting to pull XXXX payments from my checking account without authorization. No one told me that I would be making XXXX payments when I spoke with an Advance America representative in the store. No one stated they will still pull from my account even though Ive made arrangements. I have attempted multiple times to remedy this issue with this company but they state, we can not accommodate your request They are causing extra fees to accrue causing mw more mental anguish.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Discover Bank/Discover Fin Svcs LLC RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 
Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

If you have any questions concerning this request, please contact me at the above address or at XXXX
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (AZ)

I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX extoriton scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT.

contacting creditors and posting incorrect purchase dates on debts bought.

refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved.

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.
Consumer complaint received 2019-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

Citibank processed incorrectly an international wire transfer of $ XXXX. I immediately ordered a cancellation. Due to an internal miscommunication error at Citibank - expressly recognized by a Citibank employee - the operation was not cancelled. Instead of reimbursing me immediately for their mistake, Citibank keeps saying they are trying to recall the unauthorized transfer but every time I call, they estimate longer and longer for me to receive my money back. The estimate to recall the money has gone from a firm 3 days to perhaps 90 days. Meanwhile I'm out $ XXXX and the currency has fluctuated significantly to my loss. Citibank now even fails to return my calls.
Consumer complaint received 2019-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

What happened was : I got here 3 years ago. 
My family was looking for an other place to live. 
When I was working, I saw someone came to the store all the time, and I Saw she is XXXX like me, we start to talk, but she speaks English and I didn't, she told me she will rent a big space so we can live together. 
She took me somewhere to show me an office ( XXXX XXXX ) XXXX XXXX XXXX, and she said that's where we are going to live. When I called my brother he was affraid for me, cause I just got here, he didn't want someone to abuse me. He said you don't really know the lady, if something happens to you, I won't know cause it's too far away for me, I just got an apartment for you close to your kids school, the same day I went to my brothers apartment with my kids. I went to the office to let them know that I got somewhere else to stay, so I won't be with the lady in this place.they told me ok, I will take your name off.so the office know that I never live there. I told them that as soon as I get it, before their apartment was available. 

I am surprised on XX/XX/2018. I received a letter from the creditor : XXXX XXXX XXXX XXXX XXXX XXXX Attn : leasing office XXXX XXXX FL XXXX For the amount of {$4500.00} The office know that I wasn't there. 
They know who exactly they supposed to go after, why they choose to go after me? is it because I didn't understand English too much and I can not defend myself? When I went to the office to tell them why they do that to me.the office told me that she brought a guy to sign for her after I took my name off, and the guy come back to take off his name, so the office told me that's why they keep my name in case the lady does not pay so they will have someone to go after, the office retain my info with out my consent to go after when things go wrong for the lady, why they are protecting the lady, I don't know, why the office didn't retain the guy info to go after him too, I don't know, but the office knows, I got the of the person that I talked to.hepl me out please, cause I need justice. I didn't have any contact with them. 
Thank you.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I disputed this XXXX XXXX XXXX  account from my credit report about 3 years ago that appeared as some joint account. To my surprise Equifax has reinserted it to my credit report with out no warning also they didn't give me a letter 5 days after reinsertion. which is in clear violation. I feel like this was an attack on me due to me first contacting the CFPB last month about another issue. Now they are targeting me and if this doesn't resolve it I will definitely file a lawsuit against them here in XXXX County because of this. 

In accordance with the requirements of the FCRA as stated below, *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX XXXX  now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX acct # XXXX XXXX XXXX : XXXX XXXX *
Consumer complaint received 2022-07-25
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 sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

XXXX XXXX XXXX XXXX XXXX/Carrington Mortgage Service is denying me a loan modification. I have had a medical hardship which temporarily reduced my income. They say that an investor or group of investors wont approve my loan modification request even though I have enough income to pay my monthly mortgage payment and had been paying a payment each month demonstrating my ability to pay. Apparently XXXX XXXX XXXX XXXX XXXX XXXX  is the trustee for the investors. I would like both of these companies to be contacted about my complaint. I believe Carrington is a dishonest servicing company based on the misinformation they have given me and failure to provide responses in a timely manner as required by law. My second major issue is they have failed to have a face to face meeting with me or respond to my letter requesting that. I spoke with them on XX/XX/XXXX and they verbally tried to discourage me from a meeting, saying the meeting would do no more for me than what I could do by phone. I pushed for a response to my written request and was placed on hold while a manager was contacted. I could not speak to the manager and was told the same thing again and also that I would have to drive 200 miles for the meeting that they would not come to me. I said fine, I continue to request the meeting. The gal said she would give another message to her manager and they would call me but if I didnt answer wouldnt leave a message. I do not know who my actual mortgage holder is and can not make any headway with Carrington in order to save my home. I have a substantial amount of money to pay towards the past due, but they refuse to negotiate. The only option they have given me is to pay XXXX on the XX/XX/XXXX but they cant guarantee they will accept that after that or tell me how long I have to pay that amount. I almost have that total amount and will have it on the XX/XX/XXXX and will attempt to get them to accept it. They are shady and dishonest and havent been following their own information and timelines they provide in writing. The servicer also changed the terms of my original mortgage holder and started refusing to accept late payments on different terms than the original mortgage holder did. They also failed to pay my taxes on the property for one of the parcels and then when I found out they raised my monthly mortgage payment to make up for their mistake. I would also like a copy of the note or deed for my home that shows who supposedly owns it now. My mortgage had changed hands so many hands I no longer no who I actually owe the money to and how to contact them. I really need help dealing with them.
Consumer complaint received 2019-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (TX)

In the contract and statements it says after the XXXX a late fee of XXXX will be charged. But now the 10 day late letter already has the XXXX fee included. If the statement says after XXXX this will be charged that's illegal to charge the fee after day 1 and with the 10 day letter. I've also filed a complaint with the Texas State Attorney Generals office. The debt collection practices are inconsistent and confusing. I'm sending another complain to the CA SAG office. My monthly payment is {$810.00} and that should stay {$810.00} until after the XXXX of the Month. As you can see from the statements the 10 DAY LETTER already has the late fee assessed. But legally this is bound to the statement on the statements that " LATE FEES ARE ASSESSED AFTER 15 DAYS ''. They can not send me a 10 day past due notice with the late fees already assessed. I've also reached out to other Sofi members who have seen the same thing with this company.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

XXXX XXXX XXXX XXXX said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX XXXX veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX XXXX XXXX XXXX said i was 160 days late on my loan during a time in which my loan was in deferred status while i was awaiting approval for XXXX XXXX  veterans loan forgiveness and if approved it backdates from the date of XXXX which was before i even went to school so i placed my accounts in deferment XX/XX/2016 lasts for 6 months then i added another one around XX/XX/2016 so i couldn't have been late and after that i was approved for the loan forgiveness but the negative marks still are there i disputed it roughly 6 times with the 3 credit bureaus and within a week they came back as it was verified i asked how they never responded. so i disputed it with navient and was told they couldn't delete the late payments only the bureaus could which is a lie.
Consumer complaint received 2020-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (FL)

Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as American Express and XXXX XXXX XXXX, XXXX. I am writing you for assisting having American Express 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an American Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie American Express trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing American Express that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named XXXX. I have attached XXXX XXXX XXXX ', XXXX, XXXX 's, and American Express 's contact information with this letter. I ask for your help addressing this matter with American Express, XXXX XXXX XXXX, XXXX, and XXXX, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-02-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I started to file bankruptcy. Before I finalize the discharge I talked with a bank manager at my branch about my personal credit line over draft of XXXX attached to my checking acct, I was told that anything or over draft that at the time was not going to have any effect with filing BK and will remain open as I continue paying my monthly payment I will have access the use of this acct. So my BK was discharged XX/XX/XXXX. I was notified by letter two years later XX/XX/XXXX after BK Chapter XXXX discharged that they noticed I filed BK Chapter XXXX and they were closing the use of my overdraft personal credit line protection due to BK filing discharged if knew that they were going to close my acct anyways I would have continue making payment to it for the next two years after bankruptcy never late and always making a payment, at the time so since I was told one thing by bank manager in XXXX XXXX XXXX XXXX handling my acct and two years after discharge a totally different scenerio With letters attached. Im not going to pay off and should be not a open negative acct since I could have added to my BK. This is not fair and I want to be compensated for bad open neg acct by how it is reported taken off My credit report and discharge on my BK or just forgive debt, or reopen acct for use and I will pay it off if they reopen it these are the options and as fair consumer finance operation and integrity of Rabobank and our Government It should be resolved, without it stressing me out or my credit report. Thank you and I wait your response XXXX XXXX