davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: The Savings Group, Inc. (AZ)

-- Applied via RateGenius.com for an auto loan refinance on XX/XX/2022. Application ID XXXX. 

-- On XX/XX/2022 I received two hard inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX without my authorization. These two companies are network lenders with Rate Genius. 

-- Per XXXX website & FAQ section, they will NOT allow lenders within their network to check your credit via hard inquiry. They will provide their network lenders with the information obtained via Rate Genius hard inquiry. Network lenders will NOT pull hard inquires. 

-- XX/XX/2022 I received a piece of mail from XXXX XXXX stating my application was denied and clearly lists Rate Genius as the dealer. 

-- Only Rate Genius was authorized to do a hard pull on my credit. One company. These other two inquiries are unathorized and are a violation of my rights under FCRA 604 and violation of my rights to privacy. I now have 3 hard inquiries on my credit. 

-- Monday XX/XX/2022 I reached out to RateGenius and requested copy of any documents authorizing a credit inquiry from myself specifically to *XXXX XXXX XXXX XXXX* and *XXXX XXXX* signed on my behalf so I may verify its validity and Rate Genius will not provide any supporting documentation. 

-- XX/XX/2022 I mailed letters out to XXXX as well for XXXX XXXX XXXX XXXX and XXXX XXXX in attempt to remove these unlawful and unathorized inquiries.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

When COVID - started in XX/XX/XXXX, I contacted my mortgage company SPS Portfolio Services to ask for COVID mortgage assistance. They sent me letters and allowed me to skip my mortgage payments. 
In XX/XX/XXXX I asked the mortgage company to help me with a modification, so I could start making payments and they offered me a few more months of forbearance until XX/XX/XXXX. 
I started an application process for the modification in XX/XX/XXXX and I was waiting for the paperwork to go through so I would would know how much my payments are now. 
They told me the payments would be added to my balance at the end of the loan. I talked at least 15 different people who confirmed this. I have the names documented. 
Now, they have told me that the modification is denied and I have to pay the past due amount of $ XXXX which I do not have. I dont understand since I am a XXXX  and XXXX XXXX XXXX. I believe they are taking advantage because I am XXXX. I have been able to pay my payments of {$1600.00} per month which were my payments before forbearance but I have not paid them since I do not have anything in writing. Please help me get this resolved so I dont lose my home which has alot of equity.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom it may concern : On XX/XX/2020, I completely paid off Bank of America credit card account through an online payment, called in confirmed with agent of bank of america that entire balance was paid off. Bank of America then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by Bank of America, I called and verified online that the entire bill was paid, Bank of America closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as bank of america confirmed account was paid. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (MA)

On or about XXXX XXXX XXXX XXXX, XXXX. sent a payoff check for a partial claim mortgage payable to HUD but delivered to Novad Management Consulting in XXXX XXXXXXXX. As of XXXX this check has not been cashed and the mortgage has not been discharged. 
On XXXX, I, XXXX XXXX spent 3 and 1/2 hours on hold with Novad to speak to a person named XXXX and all she could do for me was submit a escalation to management to see what happened with the package. I was told I would get a call back and as of XXXX no call back. 
On XXXX, I emailed the XXXX to submit a request on what happened to this payoff and no reply as of XXXX. 
This in an urgent matter and Novad is not getting back to us.
Consumer complaint received 2020-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK (MN)

UDAAP Violation : I told them when originally signing up that I needed a loan that I could pay every other week automatically. They said that they can do that, per my loan officer. After I got approved, it was found out that I could NOT. I contacted them again saying I no longer wanted the loan and that they deceived me ( all of this MUST be on their recorded lines ). They had a manager call me and tell me " Oh, well, you can still make those bi-weekly payments, but you have to wait for the statement to arrive in your email '' [ FYI-never received ] " ... and then once that shows up, you have to contact us to make two payments every month. '' Not only was I misled into thinking I could pay it every other week, I have to call them just to make my payments. Additionally, I found out it costs money to pay them directly. This is a complete scam. Fast forward a couple years, they put the debt into " Write Off as P & L '' status, which I understand ruined my credit. Couple months later, they are putting it into collections. Now, I have VERY aggressive people asking me if I can pay them {$570.00} minimum or I will have to go through bankruptcy. This is XXXX XXXX in MN. Debt Collection Company. This whole thing is backwards. I know this is a Deceptive practice and I did pay this for about a year, but they also wrote it off on my credit report as P & L -- now they are collecting. The company did not help me. I need help and the collection agency just wants to berate me for money in a demeaning way. It is dehumanizing and unethical, not to mention the whole thing was caused by one man who told me I could pay bi-weekly and then the company made it nearly impossible for me to do so! What do I do?
Consumer complaint received 2020-12-19
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. (IL)

Have tried to resolve this matter with Equifax on numerous occasions to no avail, Since I am currently in a lawsuit with XXXX XXXX  for violations of the FDCPA, Equifax Is also liable under the provisions of 15 USC 1692k which is civil liabilities, and are also liable To the same amount as XXXX XXXX  is in this judgment, I have sent a Police Report, UCC 11, Affidavit of Truth, a FTC Identity Theft Report, and letter to Equifax with no response other than this account was validated. Equifax has shown no evidence of this or the method used To validate this alleged Debt, Equifax has ignored the State of Illinoiss Secretary of State Office And the City of XXXX Police Departments document as to this Identity theft report and has Still reported this account as verified accurate which is also a violation of the FDCPA laws of this State, as a Federally protected Consumer, I demand this matter be resolved and also to be compensated by EQUIFAX for this Infraction.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (OH)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

Withholding a transfer to my account. Verified and then they said I need to send a photo of social security card paypal XXXX. 
Now my account is locked
Consumer complaint received 2020-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/2020 I received an automated email ( attached ) from PayPal stating that I had authorized a transaction to XXXX  XXXX  in the amount of {$1200.00}. Because I knew I did NOT authorize this transaction, I immediately called PayPal in which I wasnt able to get through so I attempted to submit a dispute through their Resolution Center which was also unsuccessful because the payment was still pending. I initiated contact with PayPal through their messaging system in which I have told them several times I did not authorize this transaction. With no success through PayPal I contacted my bank to stop payment on this transaction. In addition, I changed my PayPal password and removed all credit/debit cards ( notification attached ) linked so it wouldnt happen again. I wasnt able to remove my bank account or report the unauthorized transaction through PayPal until the transaction was complete. As soon as the transaction was  complete I submitted a dispute through PayPal Resolution Center. I have since made several attempts to contact PayPal via the phone and have messaged them using their messaging system all of which have been unsuccessful. I received notification PayPal has concluded that this was an authorized transaction ( email attached ) I dont have a XXXX XXXX account, I never have, I have also never made a XXXX XXXX payment ever, so I am unsure why they wouldnt believe me when I say I did not authorize this payment. I have also tried to dispute it with XXXX XXXX but they said they need a phone number associated with the transaction and of course I dont have that, all I have is the information I received through email when the unauthorized transaction was made. In addition, on XX/XX/2020, I received an email ( attached ) stating there was suspicious activity on my account and my account was suspended. Another reason I dont understand why they conclude that the transaction was authorized. PayPal has emailed me several times reminding me I have a negative balance on my account and that they will soon report, if they havent already, to my credit report. I have called the collection department in which they conveniently answer the phone but say they can not assist me with disputing the transaction, they can only assist with collecting payment. I have good credit and dont want to ruin it for unauthorized transaction through PayPal. I would also like to deactivate my account as I will never use PayPal again after the terrible service I have received.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

sent by certified mail they keep telling me they wont re investigate experian is reporting a bankruptcy experian is not complying with the method verification and the fcra law or following the procedures required by law that protects me they are suppose to reveal such if information and if incorrect delete such information they keep telling me that they dont validate info and its already been validated ( Date ) ( Credit Bureau Name ) ( Credit Bureau Address ) RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX XXXX is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, ( Your Full Name printed or typed ) ( Social security number ) ( Address )
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NY)

I recently got a new phone still have same number I log in to the app then it ask to verify number I cant receive sms I have contact company but only automated responses can you please help thank you phone number is XXXX XXXX XXXX email address XXXX XXXX
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

SANTANDER CONSUMER USA was sent three letters via certified mail requesting verification of debt, explained there was no debt and that this is fraudulent if they can not prove such debt. SANTANDER CONSUMER USA was served an affidavit via certified mail on XX/XX/XXXX tracking # XXXX to XXXX XXXX XXXX XXXX XXXX, TX XXXX delivered XX/XX/XXXX for VALIDATION OF DEBT, to verify amount was not written off and reported as loss and covered as paid by insurance, that they are true holder in due course by furnishing the original contract that I rightfully requested per Texas Administration Code Title 22 Part 22 Chapter 501 Subchapter C ( a ) ( 1 ), to send me the accounting and True Bill not a statement, and if they could not due such to remove reporting from all 3 major credit bureaus or they would then owe me {$25000.00} for reporting inaccuracies to credit bureaus and {$10000.00} per month following dishonor in 30 days as required by law. SANTANDER CONSUMER USA did nothing and continued to report. An affidavit of notice of dishonor was sent XX/XX/XXXX certified mail no XXXX delivered XX/XX/XXXX stating they are now in my jurisdiction and musts remit payment for fraud and dishonor. No response. Sent a third and final Affidavit of Truth and Consent to judgement on XX/XX/XXXX certified Mail No XXXX delivered XX/XX/XXXX and no no such response. Stated if no response to this third request that they would then in fact agree to default judgement for fraud and agree to debt being invalid and fraudulent. This is a fraudulent company defaming my name and causing harm to me for obtaining credit, homes and much more and have already admitted by silence administratively that I do not owe them anything, there is no such debt nor eviction against my name and that they are trying to commit fraud. A judgement will be filed against them soon and I am filing a complain so they are made aware of this since they have been ignoring all of my written notices and affidavits I have sent to them.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (NY)

I am requesting the correction of a 30 day late on my credit report. As always, we sent a check as payment for XX/XX/2020. It showed that the check was received on XX/XX/2020, and the funds were withdrawn from my bank account on XX/XX/XXXX, please see attached. 

See attached copy of the check and bank statement. I am NOT SURE WHY the check was returned after it was cashed, and I believe its a bank error on your part. 

The check was cashed on XX/XX/XXXX, and as you can see there were plenty of FUNDS in the bank account for the check to clear. I was also enrolled in a forbearance plan, and despite being on forbearance I continued to make timely payments. 

XXXX XXXX failed to reach out to me to inform me that it was returning the payment. I have never been late on this loan, and this late was assessed to your company error. I am requesting an expedient correction of this error.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (TX)

I filed a dispute with the credit reporting agencies in regards to alleged identity theft on my credit reports pursuant to section 605B of the Fair Credit Report Act. I never received any notifications in regards to the investigation results and still have yet to receive any response.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX Please Remove Late payment account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX In accordance with the fair credit Reporting acreshvergent Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end 403 consumer credit plan as late for XXXX and purpose. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (NY)

Please help me! I feel I am being taken advantage of by XXXX and XXXX XXXX and North American Recovery Inc. I had an account with XXXX Bank. That account was closed. I did not think there was a balance once the account closed. I have never been notified about this account. I never had the reason to look into my credit until now because I received a letter from the attorneys office about this debt. 

I have opened a dispute with the credit bureau as well as XXXX Bank, N.A.R. Inc & XXXX and XXXX XXXX. I feel this debt should not have gone to an attorneys office. I never received written notice or final notification. 

Every time I ask for additional information I just get a rude response. Calling XXXX and XXXX they keep transferring me to different departments giving me a hard time. 

Please help me get this account validated and authenticated. The balance is {$4800.00}. 
Ref. # XXXX - XXXX XXXX XXXX XXXX I have requested billing statements to verify debt as well as if they ever sent legal notices notfiying me this account was sold to XXXX.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through 15 different banks. 

Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report : 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 2020-05-19
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: Experian Information Solutions Inc. (CA)

I mailed off an Identity Theft Affidavit to Experian XX/XX/20. There are fraudulent accounts reporting on my account. Ive sent them numerous of letters and also sent in a police report. They have not ceased reporting or conducted an proper investigation with a signed binding contract from me. They are violating my rights as a consumer! I have attached my FTC complaint which includes those fraudulent accounts appearing. I also filed a XXXX  complaint as well