davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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: Resurgent Capital Services L.P. (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX. LVNV Funding LLC XXXX. LVNV Funding LLC XXXX. XXXX XXXX LL Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within XXXX ( XXXX ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selene Holdings LLC (TX)

first i submitted a complaint complaint ID XXXX and it was closed stated due to duplicate complaint. It was not a duplicate complaint, it referred to complaint XXXX XXXX which was inputted into your system to a wrong company XXXX XXXX, I assumed a typo error on you alls behalf, I spoke to one of your customer service persons and brought this to there attention and this is why it was resubmitted again with the same complaint and address to right servicer Selene Finance. with that being said I need for those issues to be address with the Servicer Selene Finance. I once again want to address the irregaular assignments placed on my land record that's connecting itself to a judges lien and copies of a deed of trust and now leading to a wrongful foreclosure action. These XXXX  assignments lead to a wrongful foreclosure on my property, These assignments are fraudulent assignments and utlized threw XXXX  who no longer held any rights to do any assignments for XXXX XXXX XXXX who was a defunct company since XXXX. XXXX  had no authority to assign any deed of trust assignments as a nominee or beneficiary on XXXX XXXX XXXX behalf, because it ws already deem to a new owner according to a XXXX XXXX, Selene has committed a fraudulent foreclosure on my property utilizing the XXXX  deed of trust assignments when XXXX  held no authority to assign it held no note and there was no original deed of trust recorded on record, and the debt was time-bar debt in XXXX. Selene Finance utilizing XXXX XXXX XXXX XXXX XXXX name committed deed fraud, Title thief and identity thief and stole the home. As the FBI stated this as a Nationwide epidemic calling it House stealing and identity thief and its a crime of Grand thief larceny by deception. I would like for this to be invested and prosecuted with the federal law enforcement department considering that this is a crime, this is deed fraud, identity theft and Title thief leading to house sealing. This Service Selene Finance has manipulated the land records which would be consider record tampering also a federal crime. And utilize a name as XXXX XXXX XXXX XXXX XXXX XXXX  to commit its crime, XXXX XXXX is only active in DE and is not registered in the state of Texas and the OCC has responded they do not fall under their jurisdiction, And the SEC can not find this trust RCF 2 in their database as a registered active trust under XXXX XXXX XXXX XXXX XXXX XXXX as owner Trustee. Please investigate this manner and take action as a consumer finance protecting agency as you advertise yourself to be Consumer Finance Protective Burera. Prompt attention to this Fraudulent behavior is needed ASAP. for this is not only consist of civil violations its a crime and its criminal and violates my constitutional due process.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC. (IN)

This car was completely totaled and even though I am trying to still pay it back. This car was used for XXXX and should be taken off the my report as it was totaled during a XXXX XXXX with passengers in it.
Consumer complaint received 2022-02-07
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. (FL)

I had applied for a COVID Forebeance with XXXX  and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (CA)

I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

When I fell behind in the mortgage I was told there wasn't anything I could do due to the mortgage was in my deceased husbands name and the deed was in my name. A finally talked to someone and they suggested I could assume the assume but that I would have to pay the entire back money. I gave up. Once it went into foreclosure status I was told that it qualified for a modification and the arrears would go on the back of the loan. I sent financial packets in and every time, they stated I was missing something ( pages 9-15, out of 15 pages plus attachments. The last packet I added my daughte, being a financial responsible individual in the house and the person taking responsibility for the house. Again they said you didnt have a pay stub and its within the 37 days and the sald is scheduled. The original packet was in on time and it was denied lacking a pay stub. The house sold at sheriff sale and Pennsylvania doesn't have a redemption period. I reviewed my statement sent via email. The home was purchased in 2001 for {$60000.00}. They show I owe {$58000.00} in principle and a total of {$100000.00}. I called XX/XX/XXXX to ask for a last minute miracle and the representative stated if I called XXXX, they could have modified the loan advising I needed XXXX hours. It was Friday the sale was Tuesday and this contridicts the 37 day rule. I am hoping that some miracle and since the bank bought it back I can reinstate the mortgage with assistance. The house needs to be signed over to my daughter, it is the last personal thing she has from her father.
Consumer complaint received 2022-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (PA)

Ally relies on a network of dealerships that serves as intermediars who originate financing deals with customer. However, Ally Finanical controls all aspect of the loan process. The dealer has no role in approving, making docmenting, funding, holding, servicing, or collecting the loan. Auto lenders are required to follow standards that ensure borrowers can repay their loans. No paystub, employment, and etc was required to open this loan because if due diligence was done Ally wouldve known that I never had a job in my life. How can a loan application get approved if the customer has no way to repay the loan. Ally has predatory lending and deceptive debt collection practices. XXXX XXXX XXXX was sued for the excat same predatory lending and deceptive debt collection practices. The AG of PA should follow. Delete this account from All XXXX  ASAP! This is Sub Prime lending at its best!
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (FL)

My bank Suntrust/Truist has charged me over XXXX in NSF in less that a year. I have addressed this issue with the bank many times with no assistance. I have NEVER opted in to overdraft protection therefore the bank should NOT overdraw the account. The bank also intentionally DO NOT credit XXXX, Transfers etc. immediately so that they can charge NSF fees. I am currently seeking with an attorney about a Class Action Lawsuit. Suntrust/Truist is making BILLIONS with illegal NSF practices XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunbit, Inc. (TX)

This company is reporting a debt that is no longer outstanding after I have already informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation, an official copy of my XXXX form signed by the secretary of state, which proves that I have no outstanding debts. They have failed to grant my request as a federally protected consumer.
Consumer complaint received 2024-09-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

Hello, I got a debt collection for just XXXX dollar for XXXX XXXX  XXXX XXXX XXXX There is no way for me to pay XXXX XXXX payment online as their bill dont provide website address or even its not visible when your search on XXXX. Attached the bill or notice which has a text without any website url or a phone number. 

I used or may have used XXXX XXXX online and in the billing notice they are asking to pay on website but never provided the website address. 
Its making almost impossible to pay the same. 
I will try to XXXX personally but dont want any debt collection on my account if XXXX XXXX XXXXXXXX  dont provide a way to pay.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (SC)

In XXXX, I purchased items from XXXX totaling {$530.00}. I used affirm to purchase these items. 

Unfortunately, I never received these items from XXXX. XXXX  was unable to deliver these items due to an address error. I provided this proof to XXXX and Affirm. 

On XX/XX/XXXX, I filed a formal complaint with XXXX  who confirmed that the items were never delivered to my address, instead, the items were returned to XXXX in XX/XX/XXXX. 

XXXX failed to refund affirm {$530.00}, but offered me XXXX credits. I asked XXXX to refund Affirm, original payment method.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (TX)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Late Payments on Apple Card Due to Identity Theft and Removal of Incorrect Address Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report related to my Apple Card. The report currently shows a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. These entries are connected to the address XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, an address with which I have no affiliation. 

I believe these charges are the result of identity theft, and I did not authorize any transactions or payments connected to this address. I request the immediate removal of the late payments as well as the removal of the fraudulent address from my credit report. 

Please investigate this matter and take corrective action to reflect the accurate information on my credit report. I would appreciate written confirmation once this issue is resolved. 

Thank you for your attention to this urgent matter. Should you need further information, please contact me at XXXX or via email at XXXX.
Consumer complaint received 2024-09-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (MI)

CREDIT ACCEPTANCE CO account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Was also discharged through bankrupcty XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Experian has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give Experian my written consent to do so. Experian is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent Experian please send me a copy of the letter that I handwritten and gave you, my permission.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I have fallen victim to a scam of an online gaming/casino site. My understanding as to the rights I have as a consumer is that I have the ability to dispute charges that were made from a company that provided products that were not provided as advertised. I tried to dispute the charges in the amount of {$4000.00}, but am unable to get my money back due to Chase Bank not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Chase Bank, explaining what happened. I have not yet paid any of the charges due to me still disputing the charges with them. Chase Bank has told me they are reporting it to the credit reporting bureaus and it will/already has hurt my credit score. I am not satisfied with the results of the disputes made with Chase Bank. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX ( XXXX XXXX XXXX ) was in fact an illegal scam site, designed to lure people like me and steal their money. There was no effort to figure out what exactly happened to me either, for example, the merchant locked my account and stole the money. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Chase Bank has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and not providing what is advertised. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : AGA and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I am reliable for this debt of {$670.00} with Midland Credit Management Account Number : XXXX i never had a contract with this debt collector for any debt. Please provide proof that this debt belongs to me and is legal authority collect or delete account
Consumer complaint received 2024-08-26
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 0. I have proof of Negligence as well as Non-compliance. 
Account name : XXXX XXXXXXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX has deleted this account, XXXX XXXX Equifax need to please follow suit.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (FL)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
Product: Mortgage — USDA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST HOME MORTGAGE CORPORATION (MD)

In XX/XX/year>, my wife and I applied for a loan modification with our mortgage company because we fell behind in our payments. They approved the modification with the condition that we make three trial payments in XXXX, XXXX, and XXXX. Upon our last trial payment, we were supposed to receive the paperwork for our new mortgage terms within 30 days of the last payment. When made the last payment, we were told that the paperwork would be mailed no later than XX/XX/year>. On XX/XX/year> the mortgage was transferred to a new servicer. The new servicer told me that the paperwork would be mailed by XX/XX/year> my credit would be updated and it would report that I was up to date. The old servicer reported that the mortgage was transferred with a 120+ days past due. During that time, my credit scorXXXX was XXXX and I just paid off three credit cards. I never received the paperwork and on XX/XX/year> my score dropped XXXX points because of the 120+ days past due. After calling more than 25 times, they keep telling me the same thing. The paperwork is being finalized. I was told multiple times that someone was going to call me back. Then my score on XXXX dropped to XXXX and my XXXX is now at XXXX. They are not even reporting the payments that I am currently making. This is causing me a hardship. I need to buy a new car but I can't because the new servicer has refused to report the updated mortgage on my wife 's and I credit report. According to the paperwork that I signed, this matter should have been resolved on XX/XX/year> and yet it is still not reflecting on my credit rep [ ort.
Consumer complaint received 2022-02-07
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 ()

PayPal restricted my account with not a great reason or with practically no substantial explanation. Im sure that I followed all their policy. It enormously influence my work in light of the fact that my supervisor send my compensation in my Paypal account. Trusting that they can reestablish my record back. Much appreciated! Here is my PayPal email XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.