davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

In Regards to case complaint # XXXX and attachments response from XXXX XXXX via cfpb, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX stated that, I XXXX XXXX , was given all proper documentation from XXXX XXXX legal counsel XXXX XXXX XXXX XXXX XXXX XXXX towards this alleged debt. XXXX XXXX stated, '' For your reference, Ive attached a copy of the XX/XX/XXXX letter we sent you attaching your Retail Installment Contract, Declaration Acknowledging Electronic Signature Process, and payment history, as well as the notices we sent you during and after your vehicle was repossessed and sold at auction. I am requesting specific proof about the mailing of notices before and after sale. I have been REQUESTING THESE DOCUMENTS from day one, I have never received anything by mail during the appointed time that your company and attorney claimed you sent to the address : XXXX XXXX XXXX, XXXX, CT XXXX. XXXX XXXX stated that, on or about XX/XX/XXXX, A NOTICE OF REPOSSESSION/NOTICE OF RIGHT OF REDEMPTION and so on WAS SENT TO ME VIA USPS CERTIFIED MAIL WITH TRACKING NUMBER XXXX. If you take a look at that tracking info it is unrelated to this case or issue. I will attach. According repo Laws, XXXX XXXX Violated the FDCPA. In addition, XXXX XXXX claim that Credit Acceptance Corporation is not a " debt collector '' under the FAIR DEBT COLLECTION PRACTICES ACT, WHICH THAT IS FALSE. AS PURSUANT TO 15 USC 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Also, lets set the record straight my signature and initials is not any where on that alleged " contract '', I have been requesting an original contract with my wet signature. Like I said when I request information from your Counsel they state they only have copies. They cant show me anything original, how is that valid? You stated that your counsel send me documentation or correspondence through mail where is your proof of that? That's all hearsay. I will be taking this case to federal court with proof all violations of my federal consumer rights.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OH)

I am a long time customer with US Bank. I recently went to add my son ( who also has checking/savings account with them ) as an authorized user to help build his credit history. I was told the credit card account was inactive even though my card is not expired and I have not been sent a new card. I have a XXXX balance on the card and I was told if it is not active for 12 months they close the account. 

Closing an account with long good standing of on-time payments would have a negative impact on my credit score. Furthermore, if they have already reported my card as inactive in their internal system without notifying me, before my existing card is expired, and even before they issued my a new card is deceptive because I have no idea what date they reported this and therefore have no idea when they started the 12 month inactivity rule. 

They are punishing customers for paying down their card to a XXXX balance and furthermore, forcing card holders to use the card to keep it active. I try to use cards responsibly and for emergencies it is wrong what they are doing even though they say it's in the agreement I signed. You not be punished for using credit cards responsibly. Is it legal for them to close an account because they're not making enough money off of you?
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (CA)

On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (MD)

Payment not received by XXXX XXXX for a payment at XXXX. 


Also held my money way past 10 day deadline on the pay off of the HELOC owed to them. 

Did not return my money until late XXXX after the first complaint was filed. 

I
Consumer complaint received 2022-10-31
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (FL)

Nationstar Mortgage LLC did not receive the promissory note from a party who was legally in possession or who had the legal capacity to transfer the note. Nationstar Mortgage, LLC has never been the owner of the note. Nationstar Mortgage LLC did not pay value for the note. Nationstar Mortgage LLC claims XXXX  was on the original mortgage and that the homeowners agreed to designate XXXX  as a nominee. XXXX  IS NOT on the mortgage anywhere and the homeowners DID NOT agree to designate XXXX  as a nominee. WHO TRANSFERRED the promissory note to Nationstar Mortgage LLC. Who was the custodian of the collateral file? How did Nationstar Mortgage LLC obtain possession of the promissory note? 

What does " new loan '', " no cash '' mean? 

Aurora Loan Services , Inc went out of business and did not have the authority to service transfer anything to Nationstar Mortgage LLC. Aurora Loan Services , inc had a cease and desist order against the company. A service transfer allows a servicer to collect payments for the LENDER. WHO IS THE LENDER? Who was Nationstar Mortgage collecting payments for? These are valid questions, as only the TRUE CREDITOR and legal owner of the debt should have received payments. A loan servicer is not the owner of the debt or the creditor. A loan servicer does not have the authority to bring a foreclosure action in its own name without the true creditor and owner of the note joining or ratifying the action. 

The balance showing due on the mortgage payments is incorrect. Our mortgage was paid off and Nationstar Mortgage LLC was collecting payments on a loan that had been paid in full. Your business records are incomplete and you are not capable of showing the amount owed or not owed because you can not trace the loan history back to the original lender.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Good Afternoon, Ive opened a dispute with the Experian credit reporting agency, issued on XX/XX/22 via USPS ( priority mail ). Within the declaration provided details of the incorrect information they were reporting that I was contesting. I provided substantial documents including my government issued state drivers license and social security administration card to reflect as evidence of the only personal information belonging to me. I must mention, that is the 4th attempt regarding this matter. This is the 2nd formal request to remove the addresses on file that they are reporting as they do not belong to me and I have never held residence to either. Additionally, I added to reflect the information that only belongs to me as reflected on the aforementioned documents provided to them. Experian is violating my consumer rights as they are reflecting addresses that do not/never belonged to me and refuses to remove these addresses and reflect the address that I only ever lived in the last 2 decades. Every other consumer agency complied with my request except Experian. This is legally wrong. Please launch an investigation into this matter and allow for the removal of the addresses that they are reporting.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (MD)

I have spoken with State Farm Bank four times in the past 11 months about the same issue. They are not sending my mortgage bill to me for payment. Everytime I speak with someone they say they are going to fix the problem but it doesn't get done. I have happened to remember to pay the mortgage a few times without receiving a bill from them. Then, around the middle of the month, I'll receive a late notification in the mail. I am totally frustrated with this and I'm tired of having to waste time calling them time and time again to request the bill be mailed to me so I can pay it.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

I hope this message finds you well. I am writing to contest the permanent limitation placed on my PayPal account, associated with the email address XXXX. I strongly believe that this limitation has been imposed in error, as I have not knowingly violated any PayPal policies or engaged in any unauthorized activities. 

As a long-standing PayPal user, I have consistently adhered to PayPal 's terms and conditions. I hold great value in maintaining a trustworthy and cooperative relationship with PayPal and am committed to resolving any misunderstandings or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough reevaluation of my case, examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal a misunderstanding or error. I am prepared to provide any necessary documentation or information to support my appeal. Restoring my PayPal account would not only alleviate the inconvenience I am currently facing but would also allow me to continue utilizing PayPal for secure and efficient financial transactions, as I have done in the past. 

I appreciate your prompt attention to this matter and kindly ask that you commence the review process at your earliest convenience. Should you require any specific documentation or details from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Convergent Resources, Inc. (OH)

I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them. 

Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CO)

CITIBANK has violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached its duties as fiduciary trustee by harassing me regarding this alleged debt. They have repeated called me 5 times a day, on weekends, in the evenings, and in the early morning which is extremely inconvenient and a violation of their cease and desist. CITIBANK received a written cease and desist letter on XX/XX/2022 and continued to call repeatedly violating the law.
Consumer complaint received 2022-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

XXXX I called CashNetUSA.com at least 4 times to get information about the program, I also asked for the APR amount on each of the times of the calls. Each representative I spoke to never stated that the rate is 325 % until I spoke with a representative on XX/XX/XXXX. 
On each phone call, they confirmed the rate will not be high rate such as a payday loan company that charges 35 %, and that there will not be any hidden fees. 
They also kept telling me that I would have to sign up online before they can give me any other information due to they could not see anything on their end. 
I have been scammed into signing up for a loan with a 325 % rate. 
I would not have signed up to be paying on a loan from XX/XX/XXXX until XX/XX/XXXX this is unbelievable. When asked a few previous reps why it seems as if the payments are not being applied to the account, they did not give me any details or advise me on anything that can help me. 
When I spoke to the company again today, I was told I needed to read my contract, which is something I was never guided, never given, I only received guidance on submitting how much I want to borrow and how will I be making my payments.
Consumer complaint received 2022-10-31
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. (IL)

on XX/XX/2022, I sent XXXX, XXXX and Experian stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Southwest Credit Systems, L.P. (WI)

XXXXXXXX XXXX XXXX  bill that's your company says I owe. Can I be sent original contract with a wet signature. 2. The creditor information name address phone number 3. Itemized billing associated with account. 4. Proof of ownership provide proof you are authorized to collect payment and also legal to collect in Wisconsin.
Consumer complaint received 2022-10-31
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: NCB Management Services Inc. (AR)

I've been trying to resolve this issue regarding a clear violation of the FDCPA and FCRA involving an account that was never mined neither did I receive and goods, services, or money from NCB MANAGEMENT. NCB MANAGEMENT has been notified several times via mail explaining that this Fraudulent account doesn't belong to me but continues to report which is considered willful noncompliance and which may result in damages considering I have been denied credit due to the inaccuracy of the reporting. NCB MANAGEMENT fails to adhere to the FDCPA and must be held accountable for misrepresentation and erroneous credit reporting.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (GA)

I tried to open a checking account in XX/XX/2022 with XXXX XXXX XXXX XXXX XXXX online. The application was held in " Decision Pending '' for over a month, even after I unfroze my credit report for them multiple times. They continued to send me messages within the application portal, requesting that I unfreeze my credit, which I did several times. I also called the bank several times or several occasions, in which, I talked to a female representative, who promised to call me back and/or forward my issue to the department who handles processing membership applications. No one ever called me back. On XXXX XXXXXXXX XXXX I asked to have my application withdrawn due to the poor service I received, prior to even becoming a member. In mid XX/XX/2022, while checking my credit reports, I discovered on my XXXX report a " hard inquiry '' posted by XXXX XXXX  XXXX XXXX XXXX. I couldn't believe it, after getting several messages within the application portal from them, this bank miraculously, were able to run my credit, after I withdrew my application. I've never had any bank to run a " hard inquiry '' for a checking account. I have had checking accounts with large banks and have 2 with other credit unions, who never ran a " hard inquiry '' for a checking account. I submitted a complaint to XXXX and Experian about the issue and was told on XX/XX/2022 that the inquiry was " factual ''. Yes, the inquiry isn't fraudulent but a " hard inquiry '' for a checking account application I asked to have withdrawn is wrong to me and any other consumer. The fact that they ran the " hard inquiry '' after I told them I wanted the application withdrawn and after they stated they were unable to run it before my application withdrawal is very suspect and appears to be malicious.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First National Collection Bureau, Inc. (FL)

I was contacted today by a representative with First National Collection Bureau regarding a XXXX XXXX XXXX I asked the representative if they could provide information via mail for me to review. They representative also asked me while on the call if I was related to or knew another individual as they had a file for them as well and had my number listed for them. I dont believe that they should be disclosing that information about some elses debts and also asking me if I know them or if I am related if that has nothing to do with the reason why they are calling me. That made me very uncomfortable because they could be sharing your information with other people and that is not maintaining any privacy.
Consumer complaint received 2022-10-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (FL)

Continue to receive calls from XXXX XXXX Holdings excessively and on a business phone number which I can not receive any personal calls. The representative claims that I owe a payday loan debt and when I ask for more information they dont not provide any. The representative uses abusive language and yells over the phone demanding payment and accusing me. I do not recall ever taking a loan from Check and Go and contacted Check and Go and they do not have any records with my name or information.
Consumer complaint received 2022-10-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patrick K Willis Company Inc (TN)

I spoke with a XXXX XXXX that works for XXXX XXXX in my attempts to talk with her which the customer is always right, she was rude she threaten and used abusing language when asking her where the location of my repossed automobile was< which repossession is a violation of the state constitution and federal law 15 USC 1692c ( b ) and federal law 15USC 1692e ( 4 ) XXXX XXXX XXXX was very unprofessional and hung up the phone on me! XXXX XXXX has violated federal law and mine and the state of Tennessee my constitutional rights! They violated my constitutional rights of Article 1 Section 7 which states that people shall be secured in their persons, houses, papers and possessions from unreasonable search and seizures XXXX violated the constitution by seizing my vehicle without the consumer direct permission which is theft and deceptive fraud! XXXX also violated federal law 15USC 1692 ( B ) by contacting and conspiring with XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, Tennessee to steal my property protected by the Tennessee constitution Article 1 Section 7! XXXX and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX a third party violated federal law 15USC 1692 ( B ) communication with third parties Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as a reasonably necessary to effectuate a post judgement judicial remedy, a debt collector May not communicate, in connection with the collection of any debt with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law and this is a violation of 15USC 1692 ( E ) which also states the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the Seizure, garnishment, attachment, or sale of any Property or wages of any person unless such action is lawful, and also the threat to take any action that can not legally be taken or that is not intended to be taken! XXXX! XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated and disregarded federal law by committing an act of theft and communicating with third parties without my consent the consumer!