davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bilateral Credit Corp, LLC (WI)

There was a reported debt on my credit report marked as derigatory from a credit collection agency which came from my previous company XXXX. I have no idea on this debt as I already left the company XXXX 2013. I have all the clearance from XXXX and I dont know of any debts.
Consumer complaint received 2015-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

Because of a bedbug problem that they had. The agreement was we where to get out by XXXX XXXX 2014. We where out as agreed. The judgment was Vacated. WE lived in torture the whole time there. They voided there lease and we agreed to get out.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: U.S. Collections West, Inc. (AZ)

Complaint is against US West Collections, XXXX XXXX XXXX, XXXX AZ, XXXXFirst, a judgment was obtained against my spouse, XX/XX/XXXX, which was paid in full via garnishment of her wages, and a release of judgment was obtained. However, upon my spouse filing Ch. XXXX Bankruptcy XX/XX/XXXX, the Trustee demanded that the monies be returned. 

XXXX XXXX and XXXX XXXX XXXX were included as creditors in my spouse 's Ch. XXXX Bankruptcy, and the total of those debts were discharged, including the full amount of {$7400.00} they claim is owed ( copy of discharge attached ). However, this debt was referred to US Collections West. 

US West Collections obtained a judgment against me, separately, after the above debts had been discharged through my spouse 's bankruptcy, and garnished my wages from XXXX, XXXX XXXX XXXX. This judgment was satisfied XX/XX/XXXX XXXX copy attached ). 

It has since come to my attention that US West Collections is improperly reporting this debt on my credit report. Furthermore, after consulting with my attorney, US West Collections may have illegally garnished my wages and committed a stay violation for the previously discharged community debt through my spouse 's Ch. XXXX Bankruptcy. It is illegal to attempt to collect a debt post-discharge, and as Arizona is a community property state, each spouse has a 100 % interest in the other spouse 's assets, including income. This is referred to as a " phantom discharge '', and can be found in the Federal Bankruptcy Codes XXXX XXXX XXXX and XXXX XXXX XXXX. In addition, the copy of the enclosed discharge also states that collection of discharged debts from community property are prohibited and the violator may be required to pay damages and attorney 's fees to the debtor. 

This has caused denial of credit and potentially denial of a mortgage for not only myself, but my spouse separately.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CNG FINANCIAL CORPORATION (CA)

In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. XXXX XXXX responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, XXXX and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.
Consumer complaint received 2016-12-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Nationstar Mortgage raised our monthly payment $ XXXX/mo. 
Our mortgage insurance was due to drop off XX/XX/2016. Instead of lowering our payment they jacked it up with the intent to force us into a refinance situation!
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

On XX/XX/XXXX I rescinded a loan " modification '' that was done by XXXX XXXX that was really a cashout refinance, because XXXX paid off my former first mortgage that was with XXXX XXXX without my knowledge or consent, and included these funds in the modification without disclosing it in any way. The loan has since been transferred to Select Portfolio Services, and I have filed numerous complaints against SPS, as well as a complaint against XXXX, which has not been answered yet. The modification was done in XX/XX/XXXX, which is well within the 3 year recision time allowed since there was no documentation of the additional funds ( no XXXX Statement or anything ) and no right of rescision given to me since it was a cashout refinance and not a straight modification, and I sent notice of rescision on XX/XX/XXXX. 
SPS refused to rescind the loan claiming there was no record of XXXX being paid off. 
I have ordered a copy of the wire transfer from XXXX to XXXX, which I will forward to the CFPB as soon as I receive it, as well as the payoff letter with XXXX 's fax number on it. The payoff request was done by phone on XXXX 's automated system, or I would also get a copy of the payoff request. 
SPS has done no research into the payoff to XXXX, which they should have full access to as the servicer of the loan, but has only kept claiming that there were no funds to XXXX.
Consumer complaint received 2019-01-23
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: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA pursuant to section 605B and are outright refusing to uphold the law.
Consumer complaint received 2016-09-20
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2233 Paradise Road LLC (TX)

Outline of Occurrences : On XXXX/XXXX/2016, I reached out to Cash Factory USA and advised that due to the holiday my funds would not be available on XXXX/XXXX/2016. I advised that I would need the funds owed to transact on XXXX/XXXX/2016 opposed to XXXX/XXXX/2016. After, speaking with numerous agents and managers this variance was approved. On XXXX/XXXX/2016, I received a notification from my Bank advising that said company recovered a lesser fee. I received a " Docu-sign '' email later on XXXX/XXXX/2016 in regards to refinancing of my account that had to be electronically signed and delivered by law. I never spoke with anyone in regards to refinancing this account ; just to have the transaction withdrawn on a later date of XXXX/XXXX/2016 for the full payment. The refinance documents advise of the Credit Access Business Agreement ( CAB ) fee that is indicative of refinancing. A refinance can only be administered upon completion of information and documentations required by the lender to refinance a loan. This documentation was never completed, due to never being discussed. However, a refinance of the account was completed without legal documentation required by the said company governing body ( Texas office of the consumer credit commissioner under chapter 393 ) or the Texas Finance Code in connection with my state of residence ( TX ). On XXXX/XXXX/2016 the said company reentered my account and retracted a larger amount that they were not authorized, too. 
Emails from the said company managers to substantiate and emails that were sent after the refinance fee was retracted advising had n't been signed/ completed and needed my signature. 

Offenses indicated below : 1. ( CAB ) Refinance fee deducted from my personal account 2. Disclosure date for Refinance agreement sent on XXXX/XXXX/2016 3. No signed agreement obtained from said customer to refinance account 4. Attempted to collect wrong amount
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I inherited a condo and changed the title 8 years ago. The original loan was sold to XXXX and now to SPS Financial. I am authorized to pay bills and take care of this property, and every time the loan is sold, they will not allow me to correspond. I then email the papers showing the title has changed ( I always get their statements mailed to my house, but they do n't look in the file to see I own the property ). I sent the Ombudsman papers in XX/XX/XXXX and she said I would be authorized in 2 days. I called today to ask why their statement shows XXXX cents in other fees, and why the statement shows {$100.00} in the taxes and insurance column. The XXXX reps I talked with either put me on hold and then disconnected me, or would not give me information on the loan because the system did n't show me as authorized to talk with them. Here 's the problem : if I send in the payment of {$530.00} ( it is ALWAYS ON TIME ), they will charge me a late fee because I did n't include the XXXX cents. And if they keep this up every month I will accumulate late charges. I pay the taxes and insurance is thru the association, as it has been AS IT HAS BEEN DONE FOR 30 years. I have XXXX credit with a FICO score over XXXX, and why this loan is always sold to hard money lenders/servicer 's is to attempt foreclosure and steal my equity. I want to resolve this YESTERDAY AND DEAL WITH SOMEONE THAT HAS A BRAIN and not hang up on me.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (AZ)

I am past due on my car loan. I 've made it clear that I ca n't have any calls at my work and that the only number I have is my cell phone. both yesterday and the previous days I get at a minimum XXXX calls. yesterday ( XXXX/XXXX/16 ) I had a total of 5 calls ( 4 to my cell phone and 1 to my work ). my cell phone calls were done at XXXX XXXX ( a voicemail was left ) XXXX ( another voicemail was left ), XXXX, and XXXX. I also had a call on my work phone around XXXX where the agent id herself and after I hung up the phone she called my cell phone AGAIN at the XXXX time. this is common. I get multiple harassing calls and they even continue AFTER a voicemail is left or AFTER I had contact with someone. I just started my job and I got in trouble for the harassing calls - this is why I made it crystal clear that they can not contact me at my work. I called Regional Acceptance and have since Ceased all contact because I ca n't trust them to follow Debt Collection LAWS when it comes to my employment.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I requested a list of SPS approved appraisers in order to oreder a valuation and XXXX XXXX advised me that is proprietary infomration although they sent me letters stating I have to order from a SPS approved appraiser. IN addition he stated he has to start the process although the letter states I have to order. Also, he stated I can not use a BPO although documentation states an appraisal or BPO can be used. He also stated he can not give me the price of either valuations and that I would just have to order and they will place the billed amount on my account. I have never order an appraisal with out knowing the costs up front. He stated he would look into it.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

XXXX XXXX was trying to retrieve an original copy of his modification papers from his loan company SPS. According to SPS when they purchased the loan from XXXX. XXXX did not give us any paperwork because one of their reps said ( and its voice recorded ) it got loss! They were also saying that this loan was a verbal agreement but XXXX XXXX never had the opportunity to make any type of agreement with them. They modified the loan without his authorization. Indeed I was recovering from XXXX at the time of the modification. Now we are trying to get the paperwork because we qualify for a better loan elsewhere but SPS is saying they do not have ANY " Terms or Conditions '' or any paperwork on us at all! My question is since they DO Not have any terms or conditions/paperwork on us then I feel we do n't owe them anything so therefore they need to release us from this non existent contract, what can we do?
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (NC)

I have recieved 5 calls from XXXX until now, which is XXXX. This is absolutely unacceptable and excessive. Any reasonable person would find this level of calling to be offensive, and illegal. It is impossible to have a job, and answer the continuous level of calls I receive. I am called a minimum of 5 times everyday. This is unacceptable, illegal and these type of tactics should be stopped immediately.
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

Experian mentioned that they investigated the information from XXXX XXXX   that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXXXXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. Why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

The full amount of this collection ( {$240.00} ) will be disputed as I do not ow any money. Here are the timeline of events : 1. I paid my XXXX XXXX bill on XX/XX/XXXX in the full amount due of {$210.00}. My bank transaction number is XXXX [ XXXX : EST ] XXXX Withdrawal a. I paid on a monthly basis every month to cover for the upcoming month. So, since I paid on XX/XX/XXXX, my policy would need to be renewed on XX/XX/XXXX. 

2. The amount due was paid on time with no added fees or dues. 
3. I called XXXX XXXX on XX/XX/XXXX to cancel my automobile and home insurance policies on the date of XX/XX/XXXX. The lady I spoke with on the phone stated that no money was due because of the fact that my last payment, which was paid on XX/XX/XXXX, was paid in full up until XX/XX/XXXX. 
4. A refund check was paid to me in the amount of {$470.00} on XX/XX/XXXX to cover the escrow amount due on my home insurance policy. 
5. On XX/XX/XXXX, my automobile and home insurance policies were canceled with XXXX XXXX. 


I requested proof of legal standing, and legal chain of custody, to collect the debt from XXXX XXXX XXXX ( CCS ). CCS mailed a copy of the same bill from XXXX XXXX that I sent to them and failed to send my requested documents. They did not send my requested documentation so I have no idea who they represent or if I should send them money. Since I have paid off my debt with XXXX XXXX, CCS is not legally allowed to request money from me.
Consumer complaint received 2018-11-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I have tried on numerous occasions to lower my monthly payment due to a decrease in my families income ( my wife and I just had a child and therefore she is not currently working ). Navient was not able to reduce my monthly payments or even put my loans on temporary forbearance. I am either forced to continue to pay this amount we can not afford or default on payments and have my credit affected.
Consumer complaint received 2018-11-03
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. (CA)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian and XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX  XXXX - XXXX, XXXX XXXX
Consumer complaint received 2022-11-15
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. (GA)

Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Original Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


NOTE : XXXX. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.
Consumer complaint received 2018-04-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IN)

I was turned over to collections by my hospital and the collection agency Harris an Harris contacted me for money. I paid {$1000.00} from my husbands Health savings account on XX/XX/18 and they can not find the payment. I faxed the statement to them showing the payment and contected them today and they still cannon find the payment. They said they are going to report the rest of my outstanding balance tyo the credit agencies since I still owe it and I told them that I can not make another payment until they find my {$1000.00}. She said it does not matter, I still owe the money.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I did not authorize these credit inquiries and under the credit laws, I request they be removed from my report immediately. 

Inquiry details 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