davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Expert Credit Sweeps (CA)

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  PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cedar Holdings, Inc. (MS)

At the start date of XX/XX/XXXX, gray fox lending have not given an e-mail receipt of payment nor contacted me of payment received. Money has been taken from my account weekly. Last date of money taken from my checking account was XX/XX/XXXX in the amount of {$100.00}. This has been a weekly withdrawal since XX/XX/XXXX.
Consumer complaint received 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rushmore Service Center, LLC (NJ)

I have been working with Rushmore for XXXX  months on a short sale. They had an appraisal and all the documents they needed. For months they would not give us an update. Finally they asked for additional documents and a new appraisal which was done within days. All this time the foreclosure was on hold. They have a full price offer for XXXX and the value is the same amount per Rushmore 's appraisal. Today they closed the file and won't move the sale date. This will greatly affect the buyer who has been waiting and gave up on other homes as well as my credit and financial situation. Evidence attached on all the messages to and from my agent to them on equator.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NY)

My student loans are showing up duplicated on my credit report. I took out an approximately XXXX loan to pay for XXXX XXXX XXXX XXXX XXXX XXXX, graduating in XXXX. I began payments in XX/XX/XXXX when the freeze ended. Sometime in XX/XX/XXXX, my loans were transferred from XXXX to Edfinancial. My loans then began appearing duplicate in XX/XX/XXXX. I now have approximately XXXX remaining on my EdFinancial balance, which is correctly showing up, but there is also a XXXX balance incorrectly showing up for XXXX on my credit report. 

I called XXXX and Edfinancial on XX/XX/XXXX, complaining of the issue. Each company blames the other, but all agree I do not owe the additional XXXX loan. I have now filed 5 disputes with XXXX, all of which have been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. XXXX ). I have received emails from EdFinancial and XXXX confirming that I do not owe this duplicate balance which I can send along. I thought XXXX had resolved, but I spoke again with a representative who disclaimed responsibility. XXXX tells me edfinancial is responsible. All parties agree this reporting of the XXXX loan is in error, but XXXX and EdFinancial refuse to take responsibility for correctly reporting that balance as closed to XXXX. 

I can attach documents but the attach window coding is currently not working on the website.
Consumer complaint received 2024-05-16
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (MT)

On XXXX XXXX XXXX I sent XXXX XXXX XXXX XXXX an email. I was angry that nothing was being done and they never answer their phones. The email said : Hello I would like to know what would happen if I wanted to cancel this program and how much money I would get back?. They then XX/XX/XXXX I believe without any communication closed my account and not giving back any of the XXXX I paid to them from XX/XX/XXXX to XX/XX/XXXX. They told me I signed a contract and I said I am aware but I never asked you to close it and you never sent me any documents asking me to confirm closure. I just asked what would happen if I did and your company took upon themselves to close my account. I kept getting transferred to other people and then getting hung up on after hours of sitting on hold. I told the guy if I would have known I would loose all that money I worked overtime for to pay I would have never closed my account. They did not do anything for me either. I'm already down on my luck and trying to better myself and my family and then they throw me for a whirlwind. If there is anything I can do about this please contact me. I am desperate. Thank you for your time
Consumer complaint received 2024-05-16
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Moore Legal Group, LLC (NJ)

I am contacting you to register a complaint against Moore Legal Group doing business as Meadowbrook Legal Group, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX. 

I found myself over my head in debt and met with a notary public named XXXX XXXX on XX/XX/XXXX, and at this time came to an agreement on a debt remediation plan. Under the terms of this agreement, Meadowbrook was to contact the creditors from a list I supplied and set up a payment plan administered by them to satisfy my debt with each creditor. Under the terms of this agreement, I was to make bi-weekly payments of {$600.00} from which they would withdraw administrative fees with the remainder placed in escrow to be applied toward my debt. I ceased making payments on XX/XX/XXXX when I realized the scope of the fraud being committed. In that time period, which spanned over 1 year, Meadowbrook withdrew AMOUNT in fees while only placing {$3500.00} in an escrow account. During this period, Meadowbrook did not contact any of my creditors to negotiate a payment schedule as outlined in their contract with me. The result of this is, that I am not only in collections with each of the creditors from the list I supplied them, but my debt to each of them is far greater than it initially was due to compounding interest on the initial balances. Meadowbrook has yet to respond to any inquiries and in fact, will rarely answer the phone. They have defrauded me of {$10000.00} by providing none of the services agreed upon. After many calls to Meadowbrook and waiting on hold for hours, I recently recovered the funds in escrow and will need to develop another plan to stave off financial ruin. I have recently looked at their reviews on XXXX and every reviewer reports the same results I have experienced indicating mine is not a one-off situation. 

Meadowbrook Legal Group preys on individuals at their most vulnerable moments and exploits them for financial gains by providing none of the services they promise while siphoning off the vast majority of funds received for personal enrichment, this is not ethical and I can not see how it could be legal. My hope is that your office can provide guidance on the recovery of fees taken from me and possibly have their business operations shut down. 

Please help by providing any assistance/guidance possible.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (VA)

HALSTEAD FINNACIAL SERVICES, for the last month or two have been sending me harassing emails for a debt that I do not owe to them. I don't know who they are, I have no contract with them, I never received any services or goods from them. I also have not given them express written consent to have any personal identifiable information of mine. HALSTEAD FINANCIAL Is a 3rd party debt collector who bought this debt from another debt collector, who from the original creditor illegally gave them my personal non- public information to these 3rd party debt collectors who have been using the mail and email to harass me and send threatening letters to me with information they should not have. Mail correspondence through certified mail, along with a affidavit along with this complaint were sent to this 3rd party debt collector. Attached is all applicable documents and all harassing/threatening correspondences. In addition this debt was satisfied with the original creditor XXXX XXXX according to UCC 3-603/3-311, which they redeemed the tender of payment making the debt satisfied. Not only are they violating my rights to privacy, they are also trying to force me into a contract with a 3rd party debt collector who I do not have a contract with, and did not receive any service of goods from.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Porania, LLC (MI)

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account Name : Bankruptcy XXXX  XXXX-Discharged Date/ XX/XX/XXXX Reference # XXXX Account Name : XXXX XXXX Reference XXXX XXXX Account Name : XXXX XX/XX/XXXX Reference XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Reference # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they arent even in compliance with XXXX XXXX credit reporting.
Consumer complaint received 2023-10-26
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. (MA)

I am writing to file a formal complaint and dispute regarding inaccurate information on my Experian credit report. On XX/XX/XXXX, I contacted Experian to report the following errors on my credit report, and to date, I have not received a response. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
The inaccurate information is as follows : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Issue : This account has never been late. Please correct and update this inaccurate information on my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Issue : This account has never been late. Please correct and update this inaccurate information on my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$18000.00} Issue : This account has never been late. Please correct and update this inaccurate information on my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$900.00} Issue : This account has never been late. Please correct and update this inaccurate information on my credit report.
Consumer complaint received 2024-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc. (CA)

I opened the account with Bitstamp and made a deposit of {$10000.00} USD on XXXX XXXX, 2023. While Bitstamp deals with virtual currency, I never purchased any virtual currency and today my {$10000.00} USD is sitting at Bitstamp. They give no reason why I can not withdraw it back to my funding account. They have held it for 6 months and give no reason why they are holding it. They have gone through multiple people on the support line and they are clearly stalling, and unorganized. 

All I want is to withdraw my funds to my funding account.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2019-07-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (CA)

I still do not know if this is really owed to SLS. This debt has been silent since XXXX had it in XXXX. 

However in fear of losing my home. I was gifted by family members the amount to bring the account current. 

I was told on multiple occasions by SLS staff that the phone line was recorded. During these recorded conversations I was told that if I bring the account current by paying {$50000.00} that I would then just need to pay {$310.00} a month. They also told me there were no pre-payment penalties. 

These are the following representatives that told me this : XXXX ID # XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, and XXXX. 

They reported to you the CFPB that my payment also was {$310.00}. They also reported to you the CFPB that total amount to bring the account current is {$14000.00} if thats the case why did they make me pay them {$50000.00} to bring it current? 

After wiring SLS {$50000.00} on XX/XX/XXXX from my bank, Im now being told that my new monthly payment beginning XX/XX/XXXX will be {$1000.00} a month. 
Somebody messed up because I was told many many times it would be {$310.00}. 

This is unacceptable and is lying to a customer by SLS staff. 

It is also unacceptable that every time I call my so called Relationship Manager XXXX XXXX ID # XXXX is not available to go over my case. 

The debt I owed was XXXX somehow they are saying it is XXXX plus which also is not true. When asked to verify how they calculated the number figures they responded to me saying they couldn't disclose this information because it was proprietary information under the requirements of ( RESPA ) and regulation X? How will I know if they are really telling me the truth or commenting fraud with this mortgage? 

In good faith I have brought this account current out of fear, harassment, and intimidation believing that my payment would be {$310.00}. There is no way I will be able to pay {$1000.00} as I'm XXXX and with a fixed monthly income. I don't believe anything they say. They have sent me so many different statements, figures, and different amounts that I supposedly owe. They also have sent me other peoples loan documents, social security numbers, and other confidential documents that should have never came to me from their office. 

Makes me afraid and wonder if they are legit. I'm also afraid that they are sending other people my personal confidential information. They should be held accountable for breaching confidentiality. The way this world is today with identify fraud and theft someone could try to ruin my life, if SLS shared my personal information by neglecting to be careful. 

Please help end this nightmare, PLEASE!!!!!!!!!! 

XXXX XXXX Please see all attached supporting documents. 

I'll file a second one to attach the documents.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAM National Arbitration and Mediation (AZ)

I returned a call to a company called ADR. XXXX. After much badgering by the receptionist, i was transferred to another number : XXXX and spoke with a lady named XXXX. She indicated that I had been sent papers by a conpany named? and XXXX in XXXX. I did not receive any such papers. She also indicated that I owed for an account of XXXX XXXX. Account was opened in XXXX and ceased payment in XXXX. I advised that whatever she is talking about is almost XXXX XXXX XXXX. I may or may not have had a card but by no means did I have an account in the amount she was asking for. I can not find any case from the XXXX XXXX XXXX regarding these people. I can not find out if someone tried to serve me. They both indicated I had previously been tried to be serve. I have docuserve pages and they have been bugging me to sign them twice in about 3-4 hours. I don't know if they are real. I am afraid to open their documents. The phone number shows to contact the FTC. I am uncertain what to do.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

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.
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Education Principle Foundation (GA)

I took out federal student loans to attend The Art Institutes of XXXXXXXX  from XXXX through XXXX. I've paid off my loans, but I understand that students who were enrolled with any of The Art Institutes schools who still have outstanding student loans will have the debt forgiven. Paying off the money that I borrowed for my student loans started a cascade effect that has built debt throughout my adult life. From the information I have come across, it seems that I am not eligible for repayment of my loans because I finished paying them off. I would like to submit that even though I completed my loan payments, the effect of them has not yet dissipated from my life and my ongoing financial struggles seem to have, at least in some part, been catalyzed by these student loans. The Art Institutes have been confirmed to have utilized predatory tactics and exaggerated ( or falsified ) information to ensure student loans would be authorized. The fact that I have paid off my loans should not exclude me from the compensation that should be owed to help with the ongoing financial hardships that have plagued me since working to pay off my student loans.
Consumer complaint received 2023-03-11
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX FIXXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$900.00} XXXX XXXX XXXX  ( Original creditor : XXXX  ) XXXX Balance {$290.00} XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX {$3000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-05-30
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. (CA)

After reviewing my credit report I found that there were multiple late payments on my credit report that the creditor has been unable to verify them or provide documents proving I made late payments. Any reporting late payments or derogatory status is a direct violation of consumer law 15 USC 1681a ( d ) ( 1 ) this information is providing negative information it must be removed without validating these facts. 
Credit account XXXX XXXX XXXX XXXX I never gave written consent for these late payments to be reported under 15 US Code 1681b