davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-21
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX XXXX is listed as a petitioner for the XXXX AS TRUSTEE SURF XXXX XXXX in a order for foreclosure of my property at sale for XXXX XXXX. ADDITIONALLY I SEE NOTHING LINKING XXXX TO XXXX AS A DEBT COLLECTOR. 

XXXX XXXX is a employee of a debt collector firm and is not associated with XXXX or XXXX. 

THE DEBT WAS disputed in XXXX. Servicing transfers give XXXX no right to pursue foreclosure. XXXX never reported this alleged loan to its shareholders for 8 years until XXXX sued me. 
XXXX is pursuing foreclosure for XXXX AS TRUSTEE of SURF XXXX XXXX,. there are several very illegal issues here and I face losing my homestead due to the lack of consumer protection in the non judicial foreclosure process in XXXX county. THE deed of trust is void due to the failure .assignment into a securitization trust occurred after the trust 's closing date so any subsequent alleged transfers were void and done to harass me and to try to perfect something that did not exist. 

FIRST - The debt was discharged in XXXX and XXXX - then a " servicer '' was granted relief from BK and in their petition attached there i no record of XXXX at all because it did not exist. the assignment recorded in XXXX may pass texas law for late file claim but it was done to fraud the court. It did not exist in a prior XXXX copy of note received in XXXX. 

THIS is discharged debt and void deed. The failure to take action through XXXX servicing transfers and 9 yrs is an extreme abuse as none of the servicers could provide a payment history of any kind. 

Back when XXXX had " servicing right they acknowledged there were no records from XXXX on any payments yet could not explain any change in loan amount of principal to the amount they claimed. 

the SEC cutoff date for submission to the trust was XXXX XXXX. NOW 10 years later a debt buyer is attempting to associate himself with a valid claim and has violated FDCPA rules against attempting to collerct a debt from me with dozens of statements claiming I owe past due payments. By failing to provide proof of claim. by executing a fraud assignment with XXXX XXXX XXXX when neither was a party to any alleged note and by continued property inspections of the home i live in for 20 years. 

They have reported to credit agencies a deficiency when none exists.
Consumer complaint received 2023-06-08
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: The Law Offices of Mitchell D. Bluhm & Associates (FL)

The following debts belong to my father who died from XXXX  in XXXX XXXX. His death certificate was sent to the original creditors and they sold his debts anyway to collectors who tried to collect the debt that's not mine for two years. My father live with me the last year of his life during that time stole my identity his name is XXXX XXXX XXXX XXXX and obtain credit cards services at the hospital and wrecked my life. A local XXXX XXXX XXXX judge has already dismissed two of the following debts has not mine when they tried to sue me yet they keep putting it back on my credit. The following is a list ( XXXX XXXX XX/XX/XXXX {$1600.00}. Disputed twice still on XXXX credit report ). ( law offices MBA {$2600.00} XX/XX/XXXX ) ( XXXX  XXXX. XXXX accounts. {$1300.00}, {$1400.00}. Cards obtained XXXX XXXX. Collection began XX/XX/XXXX. ( XXXX XXXX  {$4300.00} XX/XX/XXXX. Never applied or received the loan from these people never received funds ). ( XXXX XXXX  XXXX. XX/XX/XXXX {$760.00} this list of collections not my debt. They were all obtained by stolen identity yet they punished me now my good credit all these years. In comparison if you look at my legitimate accounts I have never had a late payment or a missed payment in 30 years. I paid off my student loans my home my car 's various different loans over the years without ever missing a payment this in contrast for the false information that basically has my life shut down now at XXXX XXXX XXXX. I'm appealing to you for help in this matter immediately as it is basically cause all doors for me and my wife to move forward in life just in our retirement time. Please help us I know I'm small and insignificant and probably not even worth a lot but I have a lot of faith in you thank you.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2017-09-07
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. (TN)

continously provides me with a bolden statement telling me to XXXX off-that Im not getting my files disputed wo my blood type ( provided ) starship name, etc. 

When I give this informaion they claim I have not provided enough to dispute ( XXXX XXXX seems to think so ) and dismisses my claim. 

then they try to claim I am frivilous. 

I am sending them to a lawyer for FCRA ACTION. 

I have given the bureaus stacks of paperwork and they continue to play this XXXX from months ago, unresolved.
Consumer complaint received 2017-07-31
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. (AL)

I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!
Consumer complaint received 2017-09-07
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)

XXXX, XXXX AND XX/XX/XXXX I PAID {$19.00} A MONTH FOR EQUIFAX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, EQUIFAX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc. (TN)

In XXXX, 2017, I began receiving multiple calls, daily, to my cell phone, from a company called DIVERSIFIED CONSULTANTS INC, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, claiming that I owe {$260.00} to them and demanding immediate payment over the phone. I told them I did not owe this for multiple reasons. I then wrote to them and demanded verification of the debt, for them to validate it, to show me how they arrived at the amount, when and what this was for, and the agreement I signed. They did not. We have not had XXXX XXXX here for at least eight years now, maybe longer. It did not work as advertised, it was a service failure, and we canceled and returned the equipment many years ago and the issue was resolved directly with XXXX XXXX. It was installed poorly, did not work properly, and we returned everything and canceled shortly after the install. We have not heard a word about this for many years. Suddenly, the harassing calls began, relentlessly. and I had to block the number to my cell phone from their multiple lines. Today, they have attacked my perfect credit reports at all three agencies. It has caused my credit score to drop significantly. They are claiming we opened this account in XXXX of 2017 in a fraudulent attempt to re-age what would be an expired debt if it were valid, which it is not.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

I applied for a loan of {$870.00} around XXXX 2017! I printed out a copy of the Loan Payment Schedule ... ..so that I would have a record of how much would be due, when each payment was due, how much was going to interest, how much was going to principal, and what my payoff would possibly be if I wanted to pay the loan off early.
I called after the first payment just to see what my payoff would be ( now remember I only borrowed {$870.00} ) at this point my payoff was almost double what I borrowed.
I called after my 2nd payment ... ..again the payoff was still almost doubled what I had borrowed.
Each time I called they could n't really explain in a clear manner what was going on, why the figures were so different, why they were getting much more than I had borrowed and why nothing they said was matching up with the Loan Payment Schedule that I had in my hand!
The reps put me on hold, I asked for supervisors ... ..the supervisors put me on hold, no one could give a clear definitive answer on how I would be able to pay this Loan off closer to the amount I had actually borrowed!!!
They constantly referred me back to the tiny print of the Loan agreement, they reminded me that the Loan accrued interest daily, which By The Way was over 500 % DAILY!!!!!!
I feel these people/this company are grossly unfair, customer service is almost non-existent, information about their loans are misleading, the numbers do not add up, the fees and payments seem to change daily, and you are not able to pay their Loans off anywhere near the amount that you actually borrow!!!!!! Also I found out that they ( this company ) is a federally recognized XXXX XXXX Tribe, but their businesses are not regulated by the Federal Government!!!! All I want is to be able to pay this Loan back close to the amount that I borrowed ... ..and not have to pay ridiculous exorbitant fees and interest! This Is Totally Unfair ... ... ... Right now as of XX/XX/2017 I have made 2 payments of {$370.00} of the {$870.00} My next payment of {$370.00} is due on XX/XX/XXXX ... ..I will have paid {$1100.00}! The Loan Payment Schedule has me set to make ( 6 ) payments to BPL ... .I will not need 6 payments to pay them back {$870.00}!!!! *Again my next payment of {$370.00} is due on X/XX/17, the ending amount at that time will be $ {$540.00}, which also shows that the beginning balance for XXXX 2017 will be {$540.00} ... ..I want to send them {$540.00} before XX/XX/XXXX and be done with BPL!! !! I JUST WANT BPL TO BE FAIR AND EQUITABLE WHEN THEY MAKE LOANS TO THE PUBLIC!!!! RIGHT NOW THEY ARE HORRIBLE!!!!! I would never advise " ANYONE '' to do business with BIG PICTURE LOANS
Consumer complaint received 2017-09-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA RECOVERY
Consumer complaint received 2017-09-08
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. (TX)

I have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. Equifax and XXXX refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit
Consumer complaint received 2017-09-08
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 have 4 XXXX student loans that are still being reported " past due '' after 2 months of being paid. XXXX and Experian refuse to update these accounts and show paid as agreed or atleast current. Please help me this is killing my credit
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with Equifax and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (TX)

I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Deville Mgmt. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$540.00}. This letter was sent XX/XX/XXXX and I have not received a response to date.
Consumer complaint received 2017-08-01
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. (SC)

I am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had fraudulant charges on a bank of america credit card I had. I have disputed this numerous times with all 3 credit reporting agency 's. XXXX has finally received confirmation from bank of america to delete this account off my credit report and remove it. However XXXX and XXXX are still reporting it. All they are doing is sending me copies of my credit report stating the account has been updated and verified as mine. I contact corporate office for bank of america and it has been determined that these charges were fraudulant and I would not be liable. I was told to re-dispute and bank of america will respond to delete off my reports. Like I mentioned earlier XXXX has deleted it off my report but for some reason bank of america will not send the same information to XXXX and XXXX to remove off my report. I do not understand this as the response should be the same for all 3 credit reporting agency 's. I contacted free legal advise and was told that if bank of america has deleted this account off the report after my dispute the response should be the same for XXXX and XXXX. I have been dealing with this for months now and having this on my credit reports is affecting my credit score. I am being penalized for charges I did not do. To top this off I thought my balance last year was at zero I had no idea my card was being used fraudualntly.
Consumer complaint received 2017-08-01
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} Fidelity Credit Acct # XXXX Bal {$2900.00}
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TN)

I got an American Express Server Prepaid Debit card based on the great things my husband said about them as an alternative to regular banking. I was planning to use it for some bill paying, and as a way to keep a little side savings account, with liquidity options in case an emergency might rise and I 'd need cash ( my bank has very small limits for our debit cards ). I 've seen my husband use his once when we were on vacation and wanted to buy some local crafts whose vendors would only accept cash, and he showed me how the Serve Card lets you withdraw {$750.00}, which is almost three times more than my bank debit card allows ( we live in a small town, and use a local independent bank, well, credit union really. I had n't used it that much, but began using it a few months ago, when, much to my surprise, they all of a sudden told me my card had been canceled, and not two days later my husband 's was canceled as well! He called American Express and spoke with someone, who told him that his card had possibly been involved in some fraudulent activity, and so his card had been shut off. He can describe it better, and he just submitted a claim for his card as well. I was too upset to call them, I had almost eighteen hundred dollars on that card! We had to borrow some money for our vacation last week due to the money that Amercan Express is withholding from us, and we most certainly did n't commit any fraudulent activiy with our usage of our cards! He ( my husband ) says we should contacty you and your agency to get help with at least getting our ending balances back. I 'd like them to re-instate my card also, how long does it take to find nothing? Sincerely, XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (WA)

Equifax recently had a data breach. They have a site set up to allow you to check if your data is breached and optionally enroll in credit monitoring : https : //www.equifaxsecurity2017.com/enroll/ when I put my information in, rather than validating if I had a data breach it immediately enrolled me in a credit monitoring service I do not wish to take part in, and presumably exempted me from a class action that I do not want to be exempted from.
You should not be forced to enroll to determine if your data was breached.