davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment XXXX XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXXt XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXXXXXX XXXX  XXXX Collection Account XXXXXXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXXXXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (OR)

I applied, was given XXXX choices in writing to 'lock in ' my mortgage rate on XXXX/XXXX/2016 1 ) I chose the {$1800.00} rebate %, the 'middle ' choice 2 ) AFTER I paid for the appraisal and incurred other closing costs I was told the 'rebate ' would be only {$300.00} 3 ) I complained and was told I could start over with a higher interest rate and another 'promise ' of a 'rebate ' in writing on XXXX/XXXX/2016 This is n't a choice, it was leveraged theft. If I started over I could be out more than the {$1500.00} they were taking from me. 
I closed on the refinance and am now complaining. 
XXXX XXXX
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Deceitful reps, inaccurate information, jacked up fees and undisclosed rates have significantly increased my loan balance. The availability and transparency of other payment options, military benefits, and other programs designed to help me pay back my loans were not readily available and convoluted and inaccurate when speaking with reps.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain 3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status.

4 if any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.

5. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Party Debt Collection Bond 6 Also send proof that you sent the legally required notices Followed by reporting this alleged debt to any consumer icies, including copies of the original notice and Any letter tracking your firm maintains. FTC XXXX XXXX XXXX makes clear that it debt parking without # XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This was a car load with XXXX XXXX XXXX in XXXX XXXX XXXX  account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home
Consumer complaint received 2016-09-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I believe my loan request was denied due to my age ... ..I 've been a member for over 14+ years, and attempted to obtain a consolidation loan ... .that 's key, as I wanted to return to the XXXX ... .the reason given after being put through several loops..it was denied!! I had a home loan that was paid off early, and when I got that, I owed more ... BUT was younger ... ..I was also lied to about a freeze ... no one else had this reaponse..I checked..
Consumer complaint received 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] LISTED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is from a previous complaint # XXXX. Bank of America took collection actions which included temporarily holding my direct deposit payroll funds from my checking account until the balance was paid in full. The Balance has been paid in full, but Bank of America has not released all of my funds that total more than {$3000.00} in intercepted payroll checks. My B of A account number is XXXX. I have attempted to contact Bank of America 's compliance department and was forwarded to a voicemail. I left several messages and sent emails to the compliance department.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

At Bank of America my Intellectual Property unprotected where XXXX Wire Transfer of amount XXXX XXXX XXXX XXXX XXXX thousands usd. XXXX  code in XXXX was on a way way less type amount XXXX which is at federal court where i sued these participants. At federal reserve bank even the documents that they receive of Escrow Account may not been an Escrow account. I was told I had to send money through money gram an XXXX XXXX to XXXX to different receivers some in XXXX I even won back {$14.00}, XXXX from these transactions which United states vs XXXX XXXX i got back this year XXXX. At bank of America the Bank Representative drew red flag 1 2 an alligator and swamp water upon this close account but was open during the input of wire, the consumer protection went out to investigate why the bank got the XXXX in recieve mode but not the documents of money but it show green of the wire. The bank representative also had me call back also all our calls should be redeemable from XXXX to after even that year not many calls. Even the agent who had documents and deprived me of actual money they commit fraud which other Crime happen to where the person was in XXXX XXXX bank where he Destroyed Important Papers the year XXXX and this was on world news and he was there not under is Goverment name he was under another id.So he went on planes to XXXX without his real id of usa federal prosecutor.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was reviewing my Transunion Credit Report and I confirmed that Transunion is still reporting my XXXX XXXX account still to be open. I paid this account in full 2 months ago and this is account is reflecting correctly on XXXX & XXXX as paid in full ( {$2100.00} - Never any late payments ). The dereliction of duty of Transunion to be reporting factual information on my Transunion Report is causing a negative impact on my credit worthiness and credit score and is a direct violation of the Fair Care Reporting Act.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My mortgage company increased my escrow payment more than they had to. I requested that they spread out my escrow increase over a longer period of time so that I could afford to make my house payment. They agreed to reevaluate and to get back to me with an updated payment. This was in XX/XX/XXXX. I did not have my updated payment information for my XX/XX/XXXX payment so I just sent in my regular payment amount. On XX/XX/XXXX, at the end of my grace period, I called Capital One, my mortgage holder, and asked them if they had my updated payment information. They were not able to give me an updated payment amount so I then asked the lady, her name was XXXX, since I was at the end of my grace period If I needed to make a payment over the phone to avoid a late fee. She informed me that because they were reevaluating my escrow amount I could wait until the end of the month to pay the balance and not have a late fee. A couple of days later I received notification of the updated escrow amount and I immediately made a payment on the balance due which they receive XX/XX/XXXX. I received my XX/XX/XXXX statement which shows they charged me a late fee anyways. I called XX/XX/XXXX to complain because they gave me misinformation over the phone, which a lady by the name of XXXX admitted to and then she proceeded to refuse to refund a late fee. The late fee is {$89.00} on a {$190.00} discrepancy in my escrow payment. I feel that I was intentionally misled or lied to by the representative on XX/XX/XXXX. She gave me misinformation and because they are not making good on their mistake I think that they were intentionally trying to charge me more late fees. I have an excellent payment history over the last 10 years with this bank of not making late payments. I had a couple of late payments towards the end of XX/XX/XXXX, including the one in question, which were both dealing directly with the problems I was having with them increasing my escrow higher than they needed to. In both situations they assessed a late fee even though I had paid my normal payment amount that I had been making over the last year. When I was on the phone on XX/XX/XXXX with XXXX I had the ability to make a payment over the phone that day and avoid the late fee. Because she told me that I would not be charged a late fee if I made the payment by the end of the year I decided not to make the payment on XX/XX/XXXX until I had the updated information. Had she just said that I needed to make a payment on XX/XX/XXXX to avoid a late fee that is what I would have done.
Consumer complaint received 2023-07-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

FAIR COLLECTIONS AND OUT Other Collection Agencies XXXX XXXX XXXX XXXX  XXXX, XXXX, MD, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Banks XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I was sent a letter by Phoenix Financial, in which they were seeking payment for a medical debt that I do not owe. After I asked for proof of the debt 's validity, I received a response from the creditor confirming the debt. However, the verification letter contained numerous inaccuracies, including errors in my date of birth, address, phone number, and other details. This debt does not belong to me, and I am not the individual responsible for it.
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (CA)

Had a title loan with Wilshire/WestLake financial paid down the intereste over 5 years. We were told we could now pay down only the principle 19 %, instead of the 98 % prior. 

After we made one payment in XX/XX/2016, on the principle, they wou not answer their phones and months later said they did not make that deal with us and said we had a ballon payment of {$1900.00} or they would repossess the car.. They did repossess the car, and we had to rent one throughout XX/XX/2016 Costing us over {$1000.00}. The car is still in reposession and has not been sold.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2017-03-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (DE)

In XX/XX/XXXX I tool out a payday loan with Check n go, some time has passed and I was making bi weekly payments fell on hard times and was not able to make the payment, the last time check n go attempted to collect a payment was XX/XX/XXXX which was returned. On XX/XX/XXXX Check n go out out of the blue without contacting me or giving them authorization took XXXX out of my bank account making it negative and resulting in overdraft fees from my bank. How can they skip XX/XX/XXXX and not attempt but on a random thurs ( XX/XX/XXXX ) not even a fri as scheduled randomly attempt without even contacting me? I am well aware of the consequences of defaulting on my loan XXXX credit hit, lawsuit ) but if they had not received payment in over 2 months how legally can they just try a random day to withdraw the money? I believe this is illegal and should be looked into!
Consumer complaint received 2023-07-13
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. (IL)

Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX, EXPERIAN, XXXX, violated my rights by reporting fraudulent accounts on my credit report that they maintain under my social security number. 
FCRA 1681 ( 1681 ) a ( 3 ) ( 4 ) b, are the responsibilities of the consumer reporting agencies. At this time, I am asking for the fraudulent accounts to be removed from my credit report.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (CA)

I have already submitted a complaint regarding Alleged Mortgage Servicer " XXXX XXXX XXXX ''. This is a separate complaint regarding the same company as I have recieved documents from a Trustee indicating that the XXXX parties are involved in conspiracy to break the law : Most immediately, Quality Loan Service Corporation XXXX XXXX XXXX has informed me that they will be engaging in a non-judicial Foreclosure while at the same time Select Portfolio Servicing is humoring me in the loss mitigation process. This indicates that XXXX or XXXX parties are engaging in the crime of dual tracking. Ironically, this falls on the heels where I have been proactive in threatening a lawsuit against XXXX for various violations including a complaint failure to answer a Respa Qualified Written Request.