davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (GA)

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. 

Account Name : Unknown Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 convict
ions 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 2015-11-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

The servicer continually claims that the complaint is similar to previous complaints and then proceeds to NOT send the documents requested in the QWR and RESPA request. I have submitted multiple QWR to the lender requesting items required to validate the debt and to validate the actual transfer of the servicing of the loan to them and also to validate the note holder. I also have requested specific information required to validate the accounting that goes ALL THE WAY TO THE ORIGINAL LENDER ( they claim they do not have the accounting of fees, interest, charges, payments that go beyond them and maybe XXXX XXXX XXXX ). Additionally, I requested that the transfer and assignment documents be certified as correct by an executive authority for the note holder or servicer. I have requested that they provide documents showing that they notified me of my opportunity to apply for the National Mortgage Settlement program due to acknowledgement of errors and actions thru the National Foreclosure Fraud program in which there was compensation sent forward to me. The servicer continually avoids sending the requested information in total and then responds as if they have satisfied the QWR and provided all the documents. In short, validation of the debt and facts are not able to be accomplished due to their refusal to provide adequate information. They fail to send information requested and repeated send copies of the original note and then the assignment and transfer document for XXXX XXXX XXXX. THEY HAVE REFUSED TO SEND THE NAME, ADDRESS OF THE INVESTOR OR NOTE HOLDER WHILE CLAIMING THAT the letter received from XXXX is not part of XXXX. XXXX is claiming that they are NOT the note holder and have no records of the property or of me in their complete system. At present, XXXX is showing that XXXX is the servicer of the loan and that XXXX is the note holder. SPS claims that the servicing was transferred to them but will not send anything other than their own letter claiming that the servicing has transferred. They claim that they are not shown as the servicer in the XXXX System because the loan was in foreclosure and it was transferred out of that system due to that. However, there was no foreclosure in place at the time of the aledged transfer of servicing and the audit of the XXXX system requested would verify that along with any removal of the file from their system. In short, the items required and requested repeatedly have not been provided as allowed thru the law. Request complete investigation into the loan and all actions by both XXXX XXXX XXXX and Select XXXX XXXX.
Consumer complaint received 2015-12-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (MS)

Regions Bank close out my account with out my permission, It was a loan on my saving account, my money, I was paying a note each month, upon closing the account they did n't return the money I paid back into the loan, all I want is what is owed to me, .Loan account number is XXXX, it was paid in full and the bank is still asking for more money.please check into this, It 's really sad when your Bank steal from you.Regions Bank in XXXX XXXX , Mississippi . On XXXX XXXX
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Hillcrest Davidson & Associates (FL)

I keep getting calls and text messages from Hillcrest, Davidson & Associates Threatning to take legal action and credit reporting on a debt that I nothing about nor do I owe. 
I had to block their number since they will call at all times of the day and into the evening after I have told them that aim not the person they need to see or speak to.
Consumer complaint received 2016-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

We began the refinancing process with Chase XX/XX/XXXX, locking in our 4 % rate. Over the past 3 months, Chase has intermittently asked for documentation on my end to close the deal. In every instance, I have provided Chase with the requested documentation within 0-2 days. Every instance, Chase has led me to believe it was the last piece required before signing closing documentation. Fast forward to XXXX/XXXX/XXXX, I received what was to be the final request of home owners insurance documentation and provided it to Chase on XXXX/XXXX/XXXX. I find out on XXXX/XXXX/XXXX that Chase filed for an extension on my lock on XXXX/XXXX/XXXX without informing me at all, and now I will be charged with 0.375 points to pay for the extension. Contacting the Lending Manager lead to him basically " take it or leave it ''. So in a nutshell, Chase applies for a rate lock extension for absolutely no reason, and never informed me, and now is expecting me to pay 0.375 points ( roughly {$1400.00} ) to complete the refinancing process.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NRA Group, LLC (NC)

This was included in my bankruptcy that was discharge XXXX 2013. I have called them and my lawyer has sent them numerous letters to remove this from my credit report because I do not owe it. They keep trying to collect and now it is still on my credit report.
Consumer complaint received 2016-02-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (KS)

I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2015-12-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (GA)

I have been receiving several calls a day from National Enterprise Systems to collect a debt for a name I do not know. I have repeatedly told them that they have the wrong number and was assured that my number was being removed from the list, but am still receiving several calls a day. These calls are to my place of work, and present a frequent distraction.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Applied for a mortgage refinance with Bank of America, spoke with XXXX XXXX. After submitting my application, he said " thank you for your application '' I will work on your application over the weekend and get back to you. XXXX of the application questions was " are you a co-signed on any other loans ''. I explained yes, I co-signed for my son 's college loan but that he would be making the payments. XXXX XXXX stated he would look into it being a problem. We hung up. After not hearing from XXXX XXXX for several days I called him back. He replied " yeah, sorry for not getting back to you, but your income debt ratio is way too high with the student loans showing up on your credit report. He also said that once my son was paying on his student loans for at least a full year we could reapply and show proof that my son was indeed paying his own loans. '' Ok, so the loan was denied. Fast forward a month, I never got a denial letter and I know that the law states that denial letters must be sent out. I called the banking commissioner and was given this site to process a complaint. Also, last night XXXX XXXX called me to say that he heard I was upset for not receiving a denial letter but that I never submitted an application. What??!?? I worked for a mortgage company for years and I know when I submitted an application and hung up on him. Also note that roughly 2 years ago, I applied for a refinance with Bank of America and even had an appraiser come to my house which I had to pay for. I never got a denial letter from that application either. I was told over the phone that my income to debt ratio was too high. I questioned why then was an appraiser sent to my home if they knew my loan was going to be denied and they had to answer. Again no denial letter. I did file a complaint as to why an appraiser was even ordered and received an answer back basically telling me that they can do what they want. Again, no one has ever addressed the no denial letter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (FL)

In 2015 I decided to pay off all debt. I contacted each collection agency. I made payments to RPM in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from another agency attempting to collect the same debt at the original amount. I told them I paid XXXX already. I was told to contact the collection agency that I paid. I did. I disputed the amount they told the other agency. After 30 mins. I was told they never processed my payments and that the 3 checks were mailed backed to me and the fourth one he would return to me once they got it. That was almost 3 month ago. I have not received a dime back. I 'm out of my money and I 'm at risk of suffering damages as I must pay to have the money sent back to me or pay a daily fee after a year if the money order is not cashed. The new company does n't care the information is inaccurate they just want the payment. I have called many times. They leave me on hold for 10-15 mins and then never come back to the phone. 

I feel this company should have processed my payments because they did not close my account until XX/XX/XXXX ( they already received 3 payments ). They never mailed my last payment back. If it was given to another company the correct amount should have been credited. My credit report was affected as it shows the wrong amount. 

This is defamation of my financial history and failure to report my disputed amount and the correct amount. Please help. I want my bills paid off but I 'm out of money and still owe the incorrect debt at no error of my own. 

Please help
Consumer complaint received 2015-09-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We made a Check Fraud Claim on XXXX/XXXX/2015 to Bank Of America for a stolen and fraudulently endorse check. 
We wrote a check on XXXX/XXXX/2015 for a mortgage payment of XXXX mailed to XXXX XXXX XXXX. 
On XXXX/XXXX/2015, we reported to Bank of America of a fraudulent endorsement on the check, that XXXX XXXX XXXX denied receiving or cashing the check, and XXXX stated they would not endorse a check by hand signature. 
We completed a Fraud Statement for Bank of America on XXXX/XXXX/2015. 
In the following weeks, I made several calls requesting an update. Bank of America was only able to inform me the bank of first deposit was XXXX without additional information. 
On XXXX/XXXX/2015, I requested a " recredit '' or " provisional credit '' in light of the waiting time and the fact I had made a substitute mortgage payment on XX/XX/XXXX to cover the missing check. I was told the analyst for my case would call me. I did not receive a call. 
On XXXX/XXXX/2015, I followed-up and was informed the analyst had left me a message on XX/XX/XXXX which I was unable to confirm. An analyst, XXXX ( who was not our case analyst ), told me that Bank of America would not provide a provisional credit in the case of a false endorsement and that she was unaware of any " recredit '' provision of law. She stated it may take 30-60 days for XXXX to respond, which is unacceptable. She provided me with the following information : XXXX was the bank of first deposit and an electronic reference #. She was unable to provide a particular branch, a telephone number nor mailing address for contacting XXXX. 
On XXXX/XXXX/2015, in a follow-up call by my spouse, our Case manager/Analyst XXXX ( XXXX? ) informed us she would ( finally ) call XXXX with a follow-up. We are unaware why we could not receive the phone number for us to call XXXX directly. My spouse was informed it could take 60-90 days.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

My loan started out with Sallie Mae and it was sold to Navient I reached out to Navient to request a copy of the contract and validation of the debt i never received any info from them. 
Just a few weeks ago i received an email from Navient that my student loan was sold to XXXX. 
I yet to receive the debt validation letter from Navient.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I was reviewing my most recent " TransUnion '' credit report when I noticed that it had incorrectly reported that I had at one time lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. '' I have NEVER physically nor legally lived at that address. When I called up " TransUnion '' to please " delete '' this Identity Theft false notation off my " TransUnion '' credit report, they completely refused to do so.
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

I keep getting harassed at my work of employment by Navient Solution student loans. My manager has spoke to them and stated not to call at my place of employment. That we do not take personal calls at work and to call my personal number. They still keep calling and bothering me. It is to the point that my job is on the line because of all the harassment that my company is looking to let me go. Please help. I am a service member and under SCRA I have been done wrong. Not only have they been adding interest, I was not promised my 6 % APR for my finance. This is just wrong and they wo n't stop to the point that it is ruining my credit. This is a crime.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NM)

paid collection at XXXX XXXX/XXXX/2015 shows no balance, but Diversified consultant is show smae $ same reason that I owe $ this typical of XXXX, they were the original creditor. The turned over to XXXX and then over to Diversified.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (FL)

I am a first time buyer when it comes to purchasing a car loan. I did n't have that much knowledge but I was interested in a 2008 Chevy Malibu. I purchased the car through AUTONATION of XXXX XXXX and began paying my carnote. I started doin my research and started realizing I was in a upside down loan. Once I told family members where I purchased my car and the price I was paying, their reaction made me do my research to find out what I had gotten my-self into. It had high miles, also my APR was 27 %, with the car depreciating throughout the time I have had the car I am paying {$13000.00} dollars on a car that 's only worth {$3000.00} dollars so that means I am upside down by XXXX or XXXX XXXX. In due time I called my finance bank XXXX AMERICAN CREDIT ACCEPTANCE XXXX and told them that I do n't like the idea of starting out in a upside car loan and I requested that the car can be picked up for voluntary repossession and I did stop making payments on the vehicle. Finance bank asked if I would like to settle and I replied yes because that would be a better option then having a voluntary repo on my credit so I told them that I went to XXXX and had the value looked at, I told them the car is only worth {$3000.00} and they stated that it 's not and they only can approve it for {$6000.00} to settle. So I am forced to turn the car in because I do n't have that kind of money laying around and I definitely wasnt meeting the requirements of selling the car to a private party. It was brought with fair cosmetic damage, over XXXX miles, and other little mechanic issues, after sometime I would see puddles of water inside trunk, signal indicators was defected and etc. The most I can sell the car for is {$4500.00} even though that is a fairy-tale price I stated that to the finance company they did n't want to help, and the manager was being nasty telling me it 's either I pay the {$6000.00} dollars or I surrender the vehicle it put me in a bad position. I was swindled into this car deal as a first time buyer. I feel like I was overcharged for a vehicle that will not be worth anything before the year is out. So I am forced to turn the vehicle in because I am out of options.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MD)

I wanted to purchase a TV. I went on the HHGreg website and reviewed an opportunity to apply for a same as cash offer to buy a TV. I went through the purchase process and when it was time to get financing, there was no link to the application. So, I went back to the offer page and applied that way. I was approved and given an in store reference number. However, I could not use the reference number to pay online. I was also offered a XXXX % discount by HHGreg if I signed up to get emails, I did that. I was also going to use that discount for my purchase. I then called Synchrony Bank to see if I could possible get my account number in order to use it to purchase the TV on line. They said it was not generated yet. Due to work, I was unable to get to the store by Saturday when the sale was going to end. I then received another email ( from HHGreg ) saying the sale was extended to Sunday. On Sunday, I went to the store. That morning, I checked the internet and the sale price was still the same as it was on Thursday ( {$1100.00} ). I went to the store, and the sale associate said the TV was now a {$100.00} more ( {$1200.00} ). They would not pull up the website to verify it. They then told me the same as cash offer changed to 24 month from 36. So, I left the store. I went home and went back on line. The price of the TV was {$1100.00}, so I went through checkout. When I got to the end, I called Synchrony Bank. The IVR matched my phone number, I answered all the security questions, and asked for my account number so I could purchase the TV. The rep transferrered me to another rep who refused to disclose the account number. She said that HHGreg prohibited them from giving me my account number. I told them that I was purchasing a TV and that I would be receiving it in 7 business days anyway. She still refused. I asked to be transferred back to CS and closed my account. I feel as though they were playing some bait and switch game. Synchony bank now has my personal information. I have a hit on my credit report and I 'm not going to use the credit I was offered. I 'll never do business with either company agian.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

there is a XXXX XXXX account on my credit report that is not mine. I have never had a XXXX account nor did I ever authorize the opening of such an account. the account number being reported is XXXX. I have no such account. I have not had any XXXX account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : Unknown Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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.