davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

After losing my job and finally getting reinstated and making payments, XXXX added a series of garbage fees and then turned my loan over to Seterus last year. It would allow me only a 40-year mortgage, when I had only about 12 years left on the original. I accepted it because they threatened foreclosure and I thought I was out of options. I figured I 'd pay it a little bit then sell. But that means that less than {$100.00} on an $ 1819 monthly payment is going to pay down the mortgage ; about half of that {$1800.00} goes to taxes at the moment. Then suddenly this summer, Seterus reported that I owed an extra $ XXXX more on my mortgage, meaning it appears that my mortgage got bigger and I 'd paid nothing off. Three weeks ago, I faxed a request for an explanation ; Friday they pretended they 'd just received the fax the previous day. So my credit is damaged because of the higher total showing, and I ca n't get an explanation.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

I disputed several erroneous items on my Experian credit report via USPS. I included my name, address, social security number, and date of birth on the correspondence to Experian. I also included a photocopy of my drivers license which validates my address and date of birth. Today, XXXX XXXX, 2015 I received a form letter from Experian stating " The social security number you gave us does not match the identification in our database.. Please send us proof of your social security number and this letter after you have completed all of the information. ''
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (AZ)

I have sent several requests to Experian to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-08-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Marlette Funding, LLC (MO)

I currently have a new loan with Best Egg. I had a payment due on XXXX XXXX, 2015 that was set to auto debit. I logged onto their website and made my payment on XXXX XXXX, 2015 and they applied it on that day. I logged into their website on XXXX XXXX and it stated my next payment was due XXXX XXXX, 2015. Even though I had already made my monthly payment, they still auto debited the payment out of my account, causing my checking account to go negative. When I called them to find out what the issue was they just stated that the auto debit system is n't tied to the online system and I should have called and cancelled the auto debit. I asked why they would take money when no payment was due and they stated that they have a poor system in place. Can they debit money from my account if I do n't have a payment due and my loan is n't past due?
Consumer complaint received 2016-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (FL)

XXXX from this place contacted me about a debt that I have no idea what he is talking about. 
XXXX contacted me today in regards to a debt for XXXX. He said that I have to pay the amount today. He asked me to verify information in which I replied I would not until he told me who he was. I told him if I owed a debt I wanted a written document stating the required information. He stated he could not control the mail system and proceeded to EMAIL this to me. I stated that I wanted a written letter. He would not state the debt verbatium that is supposed to be stated at the beginning of the call. He waited until the end of the call, so glad I did not verify information because of this. He told me I had 48 hours to file a police report. I told him no, once I received written documentation in the mail, I would look into the matter, he stated that he sent letters and nothing had been returned, so I must have received the letter. I informed him that if I received a letter, I would not be asking for one at this time. He then asked how much I could pay today, and again I told him nothing. He asked when my next payday is, which is none of his business. I have included a copy of an email that was sent. He told me to contact him at XXXX, but that number is not listed on this email. I do not know who these people are or what scam they are trying to run, but it needs to stop. 
ZFN & Associates has made the decision to offer you an opportunity to make acceptable payment arrangements on your account. 

In order for you to make voluntary restitution, your payment ( s ) in the amount of {$1400.00} is due today, XXXX/XXXX/2016, after receiving this letter. 

If you fail to comply with the above terms this office will, without further notice, declare the entire balance due and proceed accordingly. 

You can call us at XXXX between the hours of XXXX and XXXX, EST, Monday and XXXX to XXXX, XXXX, Tuesday through Friday. After hours and weekends we have voice mail to receive any messages. Please refer to the ID number indicated above. 

This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. 

ZFN & Associates
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I 'm filing this complaint against XXXX because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA, they are " required to promptly delete all information which can not be verified '', that I have disputed. Please resolve this problem as soon as possible. Thank You!
Consumer complaint received 2016-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

We received a response from Select Portfolio Servicing ( SPS ), dated XXXX XXXX, XXXX. This was a response to our complaint filed with the CFPB for Case Number - XXXX. SPS attached an incomplete " payment history history '' that did does not reflect the entity to which our mortgage payments, and mortgage payoff were forwarded to on our behalf. SPS claims that our payments, and payoff, were forwarded to XXXX XXXX XXXX XXXX, for certificate holders to XXXX XXXX XXXX XXXX XXXX, as trustee, on behalf of the holders of the XXXX XXXX XXXX XXXX XXXX XXXX Certificates Holders. However, XXXX XXXX XXXX XXXX has no record of our mortgage payments, or of payoff of any loan, owed by us, in their records, and for any certificate holders. SPS attached an incomplete Payment History Record that reflects a corporate advance of {$35.00}, XXXX - due or paid on - the date of XXXX XXXX, XXXX, and reflects a payment effective date of " XXXX/XXXX/XXXX. '' In addition, the incomplete SPS Payment History Record reflects continued fees owed by us, after our payment in full by refinance for check RECEIVED on XXXX XXXX, XXXX ( see attached XXXX XXXX XXXX XXXX -- and cancelled check - but NOT reflected on SPS incomplete Payment History RECORD - as paid by us. ). The payment history submitted to the CFPB shows fees owed by us, after our payment, which was supposed to be recorded as paid in full by us - as demonstrated by attached cancelled check in attachments, but was NOT reflected by SPS as paid by us, These fees, after our check should have reflected payment in full by us - but was not reflected as paid by us by SPS -- included the following after XXXX XXXX, XXXX - date of our check for payment in full to SPS, and included fees up until XXXX XXXX, for -- ( Codes included ) -- " 745 - restricted repayment, '' " 601 - Disbursement to Servicer, " " 631- property preservation disbursements, " " 170 - Pre-distributed interest, escrow, payment, '' " 173 - Custom Payment manual or max, '' 766- Misc. Repayment, " and most important - " 633- Misc . XXXX Disbursement. '' In addition, code 181 is not reflected on transaction code listing. However, a servicer advance - in the amount of {$35000.00} is reflected as " servicer advanced '' on XXXX XXXX, XXXX -- just prior to our refinance ( loan paid in full, on XXXX XXXX, XXXX. '' Internal Revenue Service documents for XXXX Mortgage Interest Statement reflect no delinquency, or default, at any time, and can be provided to the CFPB upon request. In the meantime, given SPS 's newly recorded assignment, and discharge, on behalf of XXXX XXXX XXXX Bank recorded in our County Registrar 's Office in XXXX XXXX, it is apparent that any Statute of Limitations for diverted monies, is no longer an issue. We request an accounting in full, to us, to the CFPB, to the IRS, and to our County Registrar 's Office, and request that the CFPB forward this request to these appropriate authorities, as authorized under law.. 
Thank You.
Consumer complaint received 2016-12-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

When I was based in XXXX XXXX, as a XXXX the agency that prepared my taxes did them wrong. They filed me as XXXX State resident when they were supposed to file me as a XXXX State resident because I was a resident of XXXX, under United State military XXXX status based in XXXX. As a result of the eras that were made on my state taxes it looked like I owed the state of XXXX {$2400.00} in taxes, penalties, interest, and collection fees. I did the necessary paperwork to fix the issues and got the state tax lien released XX/XX/2012 while I was still in the United States XXXX. The problem I 'm having is the lien is still showing up on my credit reports which is very damaging to my credit scores. I am now a United States XXXX XXXX veteran father with a family of XXXX trying to buy my first home. Could you please help me by removing the lien from my credit report or let me know what I need to do to have it done. I have a copy of the lien release if it is needed.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Wire Transfer from my XXXX XXXX XXXX  to Bank Of America , N.A ., XXXX XXXX NY for the amount of {$42000.00} for purchase of auto XXXX XXXX, XXXX account # XXXX. 
Transaction date XX/XX/2022. XXXX XXXX fraud called me on XX/XX/2022 an said they put a freeze on the account. Obviously there was no such auto. XXXX XXXX has been trying to resolve this and is getting no feedback at all from Bank Of America, other than case is still open. 
Complaints filled with FTC Report # XXXX XXXX Victim Acct # XXXX XXXX Investigation # XXXX
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

The agents I spoke from equifax were not helpful at all. I received my credit report by mail and most of the inquiries were from companies I 've never contacted or tried to open any accounts with. I never used my social security number or any of my information with them. These companies that show on my credit report are : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX services. I have never contacted or been involved or have gave any authorization to them with my information to run my credit or open accounts with these companies. Equifax agent told me to call these companies and tell them to get me removed from my credit report. I called each one of these companies and they all said I have no open accounts with them and they have n't ran my credit or anything with my social security number or name so there is no way they can remove inquiries when there is no open accounts under my information. These companies told me to contact equifax again and let them know that they have never ran my credit or have any accounts open. So I did called equifax and they told me that it does show that these companies ran my credit. At this point i do n't know what to do. I spoked to XXXX agents from equifax and they were n't helpful at all. This is very stressful. And I need someone to help me and get these inquiries removed from my credit report. If these companies and equifax ca n't remove the inquiries who can?. It is frustrating because I never got involved or contacted any of these companies to even be on my credit report. The reason why I wanted my credit report was because I was barely going to start with my credit. Thinking I was going to be accepted because I 've never have had any credit anywhere with no one. I wanted to start my credit at XXXX. I was n't accepted for credit. the reason why was either I 've had a delinquent past or open /active accounts that Have n't been paid. I have never had any accounts with any companies, or have gotten any loans from no XXXX in my 24 years of life and definitely no delinquent past. When I saw the inQuiries from these companies I was shocked because I 've never had anything to do with them. I thought I was a victim of identity theft or maybe I am. I 'm thinking maybe someone is using my identity, using my information, opening accounts with my information. Messing up my credit. But where can I find out? Who do I go to or call? Equifax was n't helpful. It is frustrating. I need someone to help me clear this out.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX and XXXX pulled my credit without authorization and has lowered my Credit Score and prevented me from receiving a much needed loan with XXXX XXXX to expand my business. This intentional error in reporting and unauthorized inquiry has caused me monetary harm and inflicted undue stress and embarrassment to my family. Further we due to the nature of the inquiry we believe that the reason for this action was punitive in an effort to lower our credit scores to make us pay more for a loan with a different contractor. 

I was approved for a loan by XXXX in XXXX. The loan had a window of six months to add the costs of the project into the loan before it closed. XXXX did not complete the project in time and when they finally finished the loan had been closed to any more charges. So at that point and without our permission, written or otherwise, XXXX and XXXX decided to create a new loan account without authorization. At that time BOTH XXXX and XXXX pulled a copy of my credit report. This was a full seven months after we agreed to be considered for the first loan by XXXX, NOT XXXX. We were not contacted other than to tell us that a new loan have been made and our old account had been closed. 

I received notification through Experian credit watch tool that XXXX had ran my credit. I contacted XXXX about it and they basically told me to contact the credit reporting agency and they would remove the inquiry as they had made an error. As for XXXX they just automatically did a hard inquiry as though I had authorized them to create a new loan, I had not. 

This is unfair, punitive, and mindless assault on my family 's credibility and financial well being. I want those inquiries removed and the damages incurred remedied.
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CO)

I was using XXXX XXXX as my provider. At a point the recorder in my home would fill with unrequested shows preventing me from recording what I wanted to record. I called XXXX XXXX they sent out a XXXX and he worked for 3 hours and finally replaced the recorder. In about 3 days the new recorder did the same thing. I contacted XXXX XXXX and they said it was a software problem they would not come out and could not give an estimate on when it would be corrected. I told them if they could not supply the service I contracted from them, I would have their service replaced. I then got XXXX XXXX. After talking to XXXX XXXX again they sent me a refund for the partial month not used and said they would close the account. Several months later they started to attempt to collect {$230.00} from me. I sent them XXXX letters explaining they had previously sent me a refund and that they agreed they were not meeting the previous agreement. I told them if they wanted to collect the debt to please file a suit. Lately they have turned the account over to AFNI for collection. I wrote AFNI giving the same facts and asking for a suit be placed against me. AFNI has now placed this debt on my credit report with a very negative effect. I am requesting they either file a suit or remove the debt. Thank you for your assistance in this matter.
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (NY)

I previously filed a complaint against this company due to poor customer service and they tried to collect on a debt that XXXX had no record of. The company responded and agreed to close the account delete it from my credit report. Last week i got notification that they are reporting on my credit again. I called on XX/XX/XXXX and spoke with a XXXX XXXX who acknowledged that the account was closed however stated that a manager needs to review the account and call back. I informed her that I will hold on however she started getting an attitude and was extremely rude. Terrible customer service. I called back on XX/XX/XXXX since I did not get a call back from the manager and spoke with a XXXX who stated that a manager, XXXX XXXX, will call me back. Once again i did not receive a call back. This has been reporting inaccurately on my credit and is damaging my credit score. This company has sent me a closure letter agreeing to delete the account from my credit report and they are inappropriately reporting the same account again. The representatives refuse to speak with me and management does not return my phone calls. Every telephone communication with this company, aside from XXXX, has been horrible and they all have terrible customer service. If this remains on my credit report i will be forced to press charges for violation of the FDCPA.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX, I discovered there had been a XXXX day late placed on my credit report in XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, ( XXXX ). I contacted XXXX over my credit report, they explained that there had been an error on my account and they would send a letter to all XXXX credit reporting agencies and have the XXXX day removed. XXXX XXXX XXXX immediately removed the XXXX day late from my credit report. Experian still left the XXXX day late on my credit report. I have filed two disputes with Experian, and XXXX times have come back denied. After the second dispute, I received a letter from Experian explaining that the XXXX credit reporting agencies interpret data differently, therefore they would not be removing the XXXX day late from my credit report, even though it had been requested by XXXX to be removed. 
I have no choice to believe that this is a discriminatory act from Experian because I am XXXX Service Member. 
I am respectively requesting any assistance in this matter. The only flaw on any of my XXXX credit reports is the invalid XXXX day late from XXXX that Experian refuses to remove.
Consumer complaint received 2016-11-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: URS Holding, LLC (NY)

I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Alltran Financial , LP does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX XXXX XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by Alltran Financial , LP and XXXX XXXX XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.