davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (MD)

Dear Consumer Financial Protection Bureau, Complaint ID XXXX, XXXX XXXX Theycan stop/cancel the foreclosure sale/foreclosure auctionanytime they want.and They can dismiss the case like XXXX XXXX 

XXXX their UNLAWFUL loan documents and their UNLAWFUL Act.

Primary Residence Property Address : XXXX XXXX XXXX, XXXX, MD XXXX XXXX. The loan documents include the compound interest for 11 months and about {$100000.00} construction hold put that into the interest.Those violate the law.There are Rules and Regulations for those lending violations. 
XXXX. Appraisal Unlawful Act : Not only intentionally alter the Appraisal Value in the Loan documents and knowit and refuse to provide the Original Appraisal Report for the loan documents.Also come up with another Appraisal which tries to stage the amount closer to the amount in the loan documents and the value is outrageously low. 
XXXX. There is no more loan extension with XXXX XXXX XXXXXXXX after last XXXX that document, there is NO loan document modification or NO forbearanceor NO loan extension I signed .If there is such a document, and asking and sending the statements for the unsigned payment agreement, That document would be FOGERY and UNLAWFUL statements. 
4.When there was a mediation in XX/XX/2024, XXXX XXXX XXXX XXXXXXXX XXXX came to the mediation. He said they will consider to provide for XXXX years mortgage loan. That guy is nowhere to be found.They asked me to send the financial documents to their attorney like tax returns and many financial documents since XXXX until XXXX. 
They did that intentionallytrying to take advantage of the financial information and documents. 

XXXX. Before I took the XXXXXXXX XXXX XXXX, there was already so much Equity in the House. The Appraisal report value from XXXX XXXX XXXX  is XXXX  XXXXThose are my Labor.My Labor as a XXXX XXXX in all loan documents and Labor Theft is Unlawful. 
XXXX. When I emailed XXXX XXXX and XXXX, they find the mistakes and try to fix it and dismiss the case last year. 
But when some companies intentionally, premeditated, commit UNLAWFUL acts, it has to be corrected. 

XXXX. Many Reputable Banks and Many Reputable Lenders and Many Reputable Companies in the U.S, when theyrecognize they find mistakes or Errors, they willingly correct it and take the responsibility.They have High Moral standards. 
They do Not try to stage or fabricate the documents or the scenes or do Not alter /forge the documents and deny. 
That is why Top of the Top Countries in the World and Everyone 's dream. 
Please take actionagainst Unlawful Lending acts and Please Protect the Homeowners. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of a bankruptcy record on my credit report that I believe was reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this issue by contacting both the bankruptcy court and your credit bureaus, I have not received any response. 

I have requested information from the bankruptcy court and from your bureaus regarding the authorization and accuracy of this bankruptcy record, but I have yet not received a response. This unauthorized reporting has negatively impacted my credit profile and is in violation of the FCRA, which requires that only accurate and authorized information be included in credit reports. 

Under the FCRA, I am entitled to have my credit report reflect only information that is accurately reported and authorized. Since I have not received a response from either the court or your bureaus confirming the authorization or accuracy of this bankruptcy, I believe this entry to be improper and request the following actions : 1. Immediate Investigation : Conduct an immediate investigation into the validity and authorization of this bankruptcy entry.

2. Removal : If it is determined that the bankruptcy was reported without proper authorization, remove the entry from my credit report and all associated accounts included in the that Bankruptcy promptly.

3. Confirmation : Provide written confirmation of the actions taken and an updated copy of my credit report showing the removal of the unauthorized bankruptcy entry, and all accounts included on it.
Consumer complaint received 2024-09-25
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (TN)

Loan is five months from being paid off however the wrench symbol has begin to show on the dash. Have been told by the Ford dealerships that such light indicates a problem with the transmission in my XXXX XXXX XXXX XXXX. 

I have contacted each dealer in the city and fifty mile radius to have the issue evaluated but all require that you leave the car with them for a period of 11 to 14 days. While the mileage on my vehicle is only XXXX, the warranty will expire in XX/XX/XXXX. The cost to rent a car of {$500.00} per week. They don't provide a loner. 
Contacted Ford Customer Service which told me they would send me contact for Ford warranty but that has not happen. If the light indeed indicates transmission issues, my vehicle will be worthless and I will be without transpiration. It is grossly unfair and unreasonable to require someone to spend almost a XXXX dollars just to have their vehicle receive service of not be able to received a specific date to receive service.
Consumer complaint received 2023-11-15
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. (CA)

1. XXXXXX/XX/XXXX- $ XXXX XXXX XXXX XXXX {$280.00} ( collection company ) 2. XXXXXX/XX/XXXX response this credit card was opened, delivered XXXX XXXX. 

3. I reported Identity theft to 'Federal Trade Commission ', 'Consumer Finance Protection Bureau ' and 'Local Police Station- Sheriff 's Office ' 4 XXXX XXXXXX/XX/XXXX, XXXX XXXX system denied my request that I am not in any relation with these company accounts and removed and deleted accounts on my personal credit file. 

5. XXXX card response card delivered address is verified with my public record and my email and phone number used to open this credit card. 

*** My personal information was exposed due to the " XXXX Equifax Data Breach ''. This is why someone can use my personal information but card delivered address is never associated with me. This is a key point the card delivered address was not cleared proof and the XXXX XXXX only mentioned that address stated my public record. 
" MY PERSONAL INFORMATION EXPOSED BECAUSE XXXX EQUIFAX DATA BREACH '' 6. I submitted and provided all Identity Theft reports to XXXX XXXX but they ignored them. 

7. XXXX XXXX and XXXX XXXX XXXX THREATENED ME, they will keep filing this account to my credit bureau until I cancel my dispute request for this account myself.
Consumer complaint received 2024-11-02
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: ENCORE CAPITAL GROUP INC. (MD)

Subject : Complaint Regarding Reporting of Time-Barred Debts in Violation of Federal and State Laws To Whom It May Concern : I am filing this complaint against these agencies for reporting debts to credit bureaus that are over three years old and thus unenforceable under Maryland law . Under Maryland Courts and Judicial Proceedings 5-101, consumer debts that are more than three years old are considered time-barred and are no longer legally enforceable.

Despite this, these debt collectors have reported these unenforceable debts to credit bureaus, which I believe constitutes a violation of my rights. Such reporting disregards protections provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates fair and accurate credit reporting. Reporting these time-barred debts misrepresents their enforceability, potentially damaging my credit profile and misleading future creditors. 

Furthermore, the XXXX XXXX ( 15 U.S.C. 6802 ) limits how my private financial information may be shared without consent. By reporting these unenforceable debts, these agencies have likely disclosed my private information in a manner inconsistent with my rights under this law. Additionally, under the Privacy Act of 1974, I am entitled to protection of my personal information, which should not be misused or disclosed in ways that could harm my reputation or financial standing. 

I request that the CFPB investigate these debt collection agencies practices to ensure they immediately retract these reports of time-barred debts and cease all efforts that misrepresent the enforceability of such debts. Furthermore, I ask that the CFPB hold these agencies accountable for any breaches of my rights under both federal and Maryland state laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I the consumer and Merchant OWNER of XXXX XXXX received a payment in the amount of XXXX for services from another company using Chases Quick Accept platform. The funds and payment were removed from my clients account and accepted by chase and their fees ( CHASE ) were removed. And my payment was slated and confirmed to me would be deposited into my account between XXXX XXXX, same day ; as stated and affixed on app and across webpages. Between XXXX and XXXX pm I received no communication from CHASE or their merchant services, about anything in relation to my account or said XXXX At XXXX, i received a vague email from CHASE INTEGRATED PAYMENTS, stating my funds, minus, their fees, was cancelled for erroneous date of XX/XX/year>, instead of the correct and promised date of XX/XX/year> between XXXX. Cancelled for reasons not aligning with circumstances or procedures. The invoice used for XXXX XXXX  was generated by and information used by Chase and the business documents provided by I, in bank to a human banker. So any resulting error, would originate from CHASE.. Not my Client, nor I. Further when pressed about this infringement and fraudulent holding of my funds, I was prompted for more verification ; including but not limited to, disclosure between my customer and I in relation to a service and transaction being made between us ; in order to get access to my money. Money they already had access to and took their fees from. This has seriously broken my trust with this company who I just recently established both a business and personal relationship and accounts with. Based on this I strongly feel that my individual and business rights have been violated and I would like this to amicably resolved ASAP : as this is seriously impacting my business life as well as personal.
Consumer complaint received 2024-11-06
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Your unauthorized derogatory rating has directly caused loan denials and increased interest rates across my credit accounts. This constitutes actual damages under federal law. You must immediately delete and block these negative marks from all three consumer reporting agencies.
Consumer complaint received 2024-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (TX)

I am writing to formally request documentation regarding a collection account that has been reported to my credit file. Specifically, I am requesting the following information : A signed agreement indicating that the original creditor was not paid, as well as proof of any signed agreement showing that I agreed to pay this debt to the collection company. 

Evidence that the collection company has not paid the original creditor, along with proof that I have explicitly agreed to pay this debt in the event that the original balance was not covered. 

A clear statement showing the balance due.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I submitted a complaint on XXXX I requested proof of the multiple attempts made by your company to notify me of the options to rectity my loan, which was in forbearance. I have not been presented with any options since XXXX and have not received any communication regarding the end of forbearance as an option for my loan. Please provide me with copies of the email requests and any other proof of attempts made to notify me that forbearance was no longer an option for my loan. I would like to understand the steps that were taken to inform me of this change and explore any possible solutions that may be available to me. 
This situation has been causing me a great deal of stress and frustration. I have been diligently managing my finances and responsibilities, yet XXXX 's inaccurate reporting is hindering my ability to move forward. I have tried to resolve this issue with the company multiple times, providing evidence of the forbearance status of my loans, but to no avail. 

The impact of XXXX 's actions on my credit score and financial standing can not be overstated. It is unfair that I am being penalized for their error, especially when I have taken all necessary steps to rectify the situation. I am left feeling powerless and unsure of how to proceed. 

I am seeking assistance and guidance on how to address this matter with XXXX and potentially escalate it further if needed. It is crucial that this issue is resolved promptly to prevent further damage to my credit and financial well-being.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I had paid off the loan 2 years early to XXXX XXXX. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe XXXX XXXX money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them three or four times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/year> I contacted XXXX XXXX to resolve associate collection i had with my children 's place Credit card to help improve my credit. 

In the past a they've have a collection in my name from synchrony bank with they stated was for furniture. I disputed it because I have no knowledge of that account. It was also so long ago that that can't even report. 

They knowingly took my money I paid for the children 's place card and put it on an account that doesn't belong to me. 

This is hindering my credit and my money shouldn't have went towards an account that I never approved of. 

The guy on the phone kept repeating the wrong amount from the account I was trying to pay because he knew that he was intentionally crediting the wrong account.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST NATIONAL BANK OF OMAHA (IL)

Good morning I got a credit card from fnbo which I didn't apply for at all, I don't know if this was a mistake on there behalf. 
I didn't active it, I just thought this was wrong to do, I will get a hold of there company I just want to you guys first
Consumer complaint received 2024-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I was contacted by XXXX XXXX XXXX or so I thought, the caller told me there were multiple transactions over {$1000.00} being sent via XXXX and asked if that was me or fraudulent, I asked it was not me and was transferred to so called XXXX XXXX team member. I was than asked to send money via my checking account to verify I was in fact the account holder and I stupidly did so not thinking anything of it as the caller ID showed from a bank, I sent money via my Wells Fargo account via XXXX to what showed as XXXX XXXX Department that same rep told me to go to a XXXX XXXX yes, I know now this sounds ridiculous and a major red flag ) and needed to send more money, which I did stupidly. After realizing what has been done, I opened multiple claims with Wells Fargo in which they eventually told me they wouldnt assist in getting my money back, that they couldnt prove that I was scammed and that since I willingly sent money that I was pretty much XXXX. I requested the situation be escalated and that my account be reviewed to show that I have never sent this kind of money via XXXX or wire transfer in the past, I even offered to share the call records and texts I received from the scammers. 

I feel that because I am a young male, that I am not being believed. I feel violated and that if I was an elderly male, this wouldnt be an issue and I would have been made whole. I am a father of XXXX, I work hard for my money and feel like Wells Fargo has completely turned their back on me and my family.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I had a credit card with XXXX. On XX/XX/year>, I received this email : " The relationship between XXXX and FNBO is ending. Your credit card account will be permanently closed to new transactions beginning XX/XX/year>. FNBO will replace your existing Cardmember Agreement and Rates and Terms Schedule with the enclosed Cardmember Agreement and Rates and Terms Schedule ( together, your New Agreement ), effective XX/XX/year>. ( Please note that any provisions of the New Agreement pertaining solely to open accounts and/or new transactions will not be applicable, because your account will be closed ). Please see the links below for more information and watch your mail for a copy of this notice. '' The total balance on this card was approximately {$15000.00} ( which was the maximum limit on the card ). I wasn't issued a new card with FNBO. The account was just closed, the full balance was transfered to FNBO. I had no say in any of this. I was just told who to make my payments to on this new account. 

In XX/XX/year>, I payed the first of my monthly bills to FNBO directly as XXXX was no longer involved and FNBO was the holder of the debt. The minimum amount due was {$360.00}, which I paid on-time. 

In XX/XX/year>, I was told the minimum amount due was {$770.00}, and my account balance was now {$15000.00}. More than I had before I transfered, even though this account was closed, and no charges were made. 

When I inquired why the monthly amount was more than double the previous month. I was told that FNBO was charging me 3 % of the TOTAL balance of the account ON TOP of the monthly charge. {$330.00} + {$440.00} for a total of {$770.00}. So only {$440.00} going to the balance. So in essence, it would cost me almost DOUBLE to pay off the account with the minimum payment each month. 

Is this even legal? This was all done without any consent or agreement. I didn't want to close the account, the balance was given to another bank, and I had no choice but accept their terms. 

Do I have any recourse?