davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (VA)

I had an unauthorized inquiry into my credit from PayPal Credit. I have since called PayPal Credit to remove the account. It was opened based on a former address. 
XXXX/XXXX/2015 Date of Inquiry : XXXX/XXXX/2015 Business Name : XXXX Address : XXXX XXXX XXXX Phone : XXXX
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC (CO)

Cavalry Portfolio Services L.L.C. put a lien on a home my husband and I are selling next month. My name has not been on the title to this home for most of the 9 years we owned it because I was afraid cavalry would do this. But a few months ago we put my name on the title. ( thinking cavalry 's long arm had shriveled back due to credit card debt expiration laws in this state being 7 years ... ) I called them and settled to pay XXXX so the home can sell ). But their practices have been illegal and abusive. 

1. They bought an old debt of mine from around XXXX from XXXX XXXX XXXX. I moved to XXXX in about XXXX and they had a lawyer in the state2. that shamed me into sending them XXXX via XXXX XXXX to settle the case. 

3. They never sent me a receipt for the money. OR reported it on my credit report. 

4. In the state of XXXX that debt should have expired. 

5. Now in XXXX they have placed a lein on this house which we are selling and their letter to the Title company states a date of XXXX. Which is falsified. This debt should have expired. 

6. Also, this home was NOT used to secure any debt with XXXX XXXX XXXX ( or Cavalry ). IT SEEMS that The lien should not be attached to this property legally should IT??? 

Also, in XXXX when they first badged me by phone they sent me a judgment. I was so ashamed ( newly married ) and afraid of being father abused verbally by them in court that I did not go. 

7. I wrote them letters explainable my situation, that I had become XXXX after selling a home in XXXX ( to pay all my credit card debt off!!! and I did pay around XXXX to citicard, etc., but I kept XXXX XXXX XXXX because the interest was XXXX percent fixed. But alter selling my home I became XXXX and could not do simple paperwork and the XXXX XXXX XXXX card never got paid. Of course Cavalry did not care about anything but making money from me. ( I NOW know ... ) 8. According to Cavalry 's RANDOM and undocumented BOOK-keeping -- - that old XXXX dollar debt they bought from XXXX XXXX XXXX around XXXX -- has ballooned ( after their 'legal fees ', 21 % DEFAULT interest ' etc. to almost XXXX! 

I attach images of the paper work. to substantiate my claims. Thank You.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

In XXXX 2015, I filed a FTC complaint regarding multiple collection phone calls for an account that I did not open. The investigation was complete ; it was verified that I did have an account with XXXX and did not owe them any money. Today, I received a call from a collection agency regarding a XXXX account. Today, I contacted XXXX and they did verify that an account was opened in my name in XXXX 2015 and it has been placed into collections. My issue is that customer service has repeatedly provided me with the incorrect information, and was withholding information that I requested and facilitated account fraud. I believe that this issue could have been resolved months ago.
Consumer complaint received 2016-04-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CNG FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with check n go, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I WAS UNDER LOAN MODIFICATION REVIEW TO BE CONSIDERED FOR A TRIAL PAYMENT BUT I JUST FIND OUT TODAY OVER THE PHONE THAT THEY DO NOT HAVE ANY PAPER WORK ON FILE I DO HAVE POST OFFICE RECIPT AND BACK ON XX/XX/XXXX THEY TOLD ME OVER THE PHONE TO WAIT FOR THE TRIAL PAYMENT AND NOW THEY SAID THEY DO NOT HAVE ANY MODIFICATION OPEN AT ALL THAT THE LAST ONE CLOSES BACK ON XX/XX/2014 THIS ANLAWFUL PRACTICES ARE GOING ON SINCE THEY BECOME THE COLECTORS ON THIS LOAN, ALWAYS ON A DUAL TRACK AND DECEPTIVE PRACTICES, MISLEADING ME OVER THE PHONE I NEED YOUR HELP TO SAVE MY HOME
Consumer complaint received 2016-01-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC (LA)

They called my work repeatedly after I asked them to stop. Called my personal phone at all hours of the night leaving rude messages threatening to take legal action. I called them back, very rude customer service. They told me they would settle for a ridiculous amount of money that I do not even owe. We finally agreed upon a settlement of {$800.00} when I spoke to them XX/XX/XXXX, when I spoke to them again after XXXX they changed the amount once again. They went from {$1400.00} to {$1000.00}. They have agreed to let me pay {$1000.00} only if I make two large payments of {$500.00} in XX/XX/XXXX and XX/XX/XXXX. I told them I do n't have the money they said to borrow it from someone.
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RGS Financial, Inc. (MO)

RGS Financial of XXXX XXXX showed up on my XXXX credit bureau on XXXX XXXX, 2016 for {$120.00}. This caused my credit score to drop by XXXX points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by XXXX County, XXXX Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-12-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (GA)

Co signed a loan for an individual in XXXX customer then defaulted and the car was auctioned then I settled in XXXX with this company Santander for XXXX and they have not applied the XXXX to the account and now I am being harassed and the account is reflecting on my credit. This original debtor is deceased as of XXXX XXXX and I have sent them the proof of the payments I have made to them. The deceased individual estate should have taken care of all debts what can I do?
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

CitiCards payment processing process violates XXXX because of their unfair deceptive and abusive practices. I tried to process a payment online on their site on XXXX, and because there was an online issue with selecting the XXXX as the payment date, they had me call in to make a payment over the phone. The phone rep was unable to assist me and did n't explain as to why which I thought was very deceptive. I went back online on the XXXX and had no choice but to elect the XXXX as the processing date. Now my payment is late and there is a late fee associated because of your unfair deceptive and abusive practice. The late fee will also affect my APR which is also unfair. The payment site should have transparent disclosure on the processing payment site and not deceive their customer.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (SC)

Navient-Private Credit ; XXXX. XXXX XXXX ; XXXX, PA XXXX. Loan XXXX. This is probably the XXXX time reporting this Co. They are constantly calling at least XXXX times a day even though the primary borrower has contacted them to make some paying arrangements but they completely ignore the primary borrower and call the co-signer. Today XXXX XXXX, 2015 I received at least XXXX calls and told them I had contacted the primary borrower and they kept calling until XXXX.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a student loan account that is consolidated now, but used to be XXXX separate loans corresponding to semesters spent in college. I have a 90 day late on my credit report for each of these Closed accounts. The servicer at the time is no longer in business. I have called the National Student Loan Data Center as well as the current servicer and they have no record of me ever being behind on any of those loans while separated or consolidated. I feel that it is unfair that this is being reported on my credit because the information is inaccurate, and it is preventing me from getting a mortgage.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have lived in the XXXX County area most of my life, and I want to continue to live here and do so in my home. I have seen many good times, and recently I 've seen rough times. Unfortunately, I may be forced out of my home by my mortgage note holder, Select Portfolio Servicing ( SPS ), since they have been uncooperative and even deceptive when I try to work out a solution with them. 

My hardship began in XXXX when unfortunately my father passed away and 8 months later my daughter ran away from home. This emotional turmoil tore my family apart, and then my XXXX collapsed in XXXX. In XXXX, my husband and I got divorced ; and to top it off, I even lost my beloved dog in XXXX as well. The combination of all these events is what caused me to fall behind on my mortgage. 

When this run of unfortunate events began in XXXX, I reached out for help and was offered a rather unfair trial modification. I decided to go forward with in order to keep my home, but I was denied for a permanent modification once I completed the trial period due to missing documents that I had submitted many times to them. They kept making me start over with the process using the same reasoning for denial ( missing documents ), always taking my payments for three months before telling me they could n't move forward and that I had to start over. This continued for 3 years (!!! ) until they told me my arrears were now too high and I did n't qualify for assistance. It appears to me that this was their plan all along ... they had no interest in helping me, they just wanted to take my home away via foreclosure. I have being denied access to options that are supposed to be made available. They deceived me, lied to me, and frankly, stole from me while I was acting in good faith!!!!!!! 

Furthermore, I have serious issues with my property value. My property 's present value is below {$600000.00}, which is disturbing when you consider the purchase price we paid was {$1000000.00} with a {$90000.00} down payment. Plus, I 'm in what could be considered a predatory loan. I was somewhat forced into a 3-Year ARM with a high interest rate when I was looking for a 30-Year Fixed Rate loan. 

If I could get SPS to handle this fairly, I 'm sure I would be able to keep my home and make good on my mortgage. I do n't want or need a handout, but considering my financial recovery I am certain that there is a solution that I could qualify for. Is n't that what all this bailout money ( my tax money!! ) passed down from the government to these banks was for? Are n't these modification programs designed for people who had a hardship ( or in my case many hardships ) and have recovered and just need a little assistance restructuring their mortgage in order to move forward? 

I want Select Portfolio Servicing to stop the foreclosure process, review my loan in earnest for retention options, and stop playing games that prevent this problem from being solved.
Consumer complaint received 2015-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My Bank of America owned home mortgage was sold to XXXX and I was notified by BofA 10 days prior to the transfer not the required 15 days. 
Also, my mortgage was sold to a bank in TX, a state I have refused to do business with in the past and vehemently refuse to do business with now. Do I have any recourse to find a different company?
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

Due to website problems, XXXX identical payments were submitted to CitiCard on the same day. When I discovered the error- a Citi customer service rep offered to keep the overpayment & assign future credit, then - as I protested - agreed to 'try to get a refund authorized ' which would take a few days. 
Considering how vigilante CitiBank is for 'fraud ' and late payment - it seems absurd that a {$9800.00} same day double payment could not trigger an alert to me before it was " too late. " In addition, the website problem that contributed to the duplicate payment was additionally obscuring of my account. A $ XXXX payment- noted in the account summary, was not subtracted from Account Due total. Since I was eager to avoid high finance charges, I called customer service to be sure I was paying exactly the correct amount to qualify for NO finance charges forward. For over 25 years I have paid my credit card in full, but discovered that once late payment triggers " XXXX cycles '' of finance charges on exisiting purchases. 
If the website had shown my accurate balance due in a clear way- and if it showed an identical payment already made when the customer service agent manually entered the duplicate ( the website was not accepting my payment from my XXXX XXXX XXXX acct ) - this mess would have been avoided. 
Obviously, there is no incentive for CitiCard to monitor OVERpayments ; holding my {$9800.00} 'hostage ' is clearly a boon top them if thousands of customers are treated similarly. 
There is an easy technical solution- can you make them fix this? 
If you require documentation of my difficulties- I am happy to submit all records & names of customer service contacts. 
Thanks for your attention to this matter.
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Principal Group, LLC (FL)

This company has repeatedly called my cell phone and place of business. I have asked them to not call my work and to also send me in writing a letter about what they want. They refuse to give me any information unless I verify the last XXXX of my ss number. I have no idea who is on the phone and would like something in writing which they refuse to send. They continue to say that they are going to serve me with " notice '' and say that they will be by my house to which they never show up. They call everyday and I am so frustrated with them, if I owe a debt why do they refuse to send me anything in the mail and why do they not show up to serve me my legal documents when they say they are.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX Request for Account Removal Dear, Equifax I am writing to formally request the removal of XXXX XXXX Bank account # XXXX from your records. It is important to clarify that this account is not a charge-off. Additionally, XXXX XXXX XXXX  company has already received the tax benefits associated with this account. 

Given this information, I believe there is no justification for maintaining this account in your records. I kindly ask that you take the necessary steps to remove it. 

Please confirm the removal of this account at your earliest convenience. If you need any further information or documentation to process this request, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.