davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I am writing to formally dispute the collection account listed on my credit report. Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : XXXX XXXX XXXX Date of entry : XX/XX/year> Reason for Dispute : XXXX. I have not been afforded the opportunity to dispute the account in accordance with XXXX XXXX ( c ) ( XXXX ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under XXXX CER XXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). XXXX XXXX XXXX is XXXX  disregarding consumer protection statutes. I demand that XXXX XXXX XXXX these egregious Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under Section XXXX of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Under Section XXXX of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for XXXX : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (CA)

I am writing to express my serious concerns and formally complain about Rushmore Loan Management Services, also known as Mr. Cooper, regarding the handling of my mortgage account and the impending auction sale of my home. 

For the past XXXX months, I have been making regular monthly payments, nearly {$2900.00} each, as part of my XXXX XXXX XXXX repayment plan. I have confirmation that these payments have been accepted by your company. Despite this adherence to my payment plan, I was recently informed that a sale date for my home has been scheduled for XX/XX/year>. This decision directly contradicts the verbal assurance given to me and my friend, XXXX XXXX, which stated that I would be allowed to continue on my repayment plan without the threat of foreclosure. 

Over the past XXXX years, my experiences with Rushmore have caused me severe emotional distress, particularly following the loss of my XXXX due to XXXX. The stress associated with the threat of losing my home has been compounded by the ongoing challenges I face as a XXXX XXXX with medical issues. I believe that your company has discriminated against me based on my age, denying me assistance to modify my loan on multiple occasions, which ultimately forced me to file for XXXX XXXX XXXX in an attempt to stop foreclosure. 

Moreover, I have experienced harassment from your representatives, including visits from XXXX real estate brokers who attempted to convince me to sell my home for a mere {$5000.00}. I firmly believe that falsified appraisal reports have been used to justify the sale of my home at a price well below its market value. 

Given these circumstances, I demand that Rushmore immediately cease all foreclosure actions against my home and halt the scheduled auction sale. I insist on being provided with a loan modification plan that accurately reflects my financial capabilities, as I have requested numerous times in the past. 

I implore you to investigate these predatory practices that affect homeowners, particularly vulnerable individuals like myself, here in XXXX. I expect a prompt and reasonable resolution to my complaint, including the immediate cessation of all foreclosure proceedings against my property. 

Thank you for your attention to this urgent matter. I look forward to your timely response.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF NEW YORK MELLON CORPORATION, THE (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint of Professional Misconduct Against Attorneys Greetings, Chief Judge XXXX, Subject attorney : 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 I am writing to allege misconduct during Attorneys representation of others ( XXXX ) in cases numbered XXXX and XXXX ( XXXX ) Failing to disclose relevant facts Making partially true but misleading statements Omitting information that is equivalent to an affirmative false statement Offering evidence that the lawyer knows is false Attorneys failed to file and waiver the XXXX and document Filing Notification of Affiliates, These missed deadlines have caused delays in my cases and harassment and order default. 
This situation has caused us significant hardship, as we are unable to access our home. 
I have attached copies of emails sent to the authorities as evidence of my claims. 
I request that this complaint be investigated and that appropriate disciplinary action be taken.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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.

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 informationisinaccurate.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens pay I just ruined my credit doing a backround check. 

On the XXXX XXXX page there is an option to pay with financing through citizens pay. For this I must apply to a line of credit. I applied and was approved. Now I try to make the purchase and it says that this payment method does not work. I tried talking to XXXX XXXX and citizens pay and neither one knows how that financing works. It's a complete scam!!!
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (GA)

Re : Dispute of ( SECURITY CREDIT SERVICES ) Request for Removal of Debt Collection Account Due to Fair Credit Reporting Act ( FCRA ) Violations Dear Sir or Madam, I am writing to formally dispute the debt collection account listed on my credit report under account number no account number associated. I believe this debt account has been inaccurately reported by the collection agency, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that you remove this account from my credit report due to these violations. 
FDCPA and FCRA Violations According to 15 U.S.C. 1692g of the FDCPA, I am entitled to dispute the validity of any debt within 30 days of receiving the initial written notice from the debt collector. Under this same law, the debt collector is required to cease collection activities until the debt is verified. I was not provided with the appropriate notice of my right to dispute the debt within the required timeframe, nor was I given the opportunity to validate the debt before it was reported to the credit bureaus. 
Additionally, under the FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers of information ( such as debt collectors ) are required to report accurate information to the credit reporting agencies. Reporting a debt without providing me the opportunity to dispute or validate the debt is a violation of this law, as well as my consumer rights. 
Request for Immediate Action Due to the violation of my rights under both the FDCPA and FCRA, I am requesting that the debt collection account be immediately removed from my credit report. I also request written confirmation that the account has been deleted from my credit file. 
Please investigate this matter promptly as required by law and provide me with a copy of the results of your investigation. If the debt is not verified or if the information reported is inaccurate, I expect the account to be deleted from my credit report. 
Please consider this letter as a formal complaint under the FCRA and FDCPA. I expect a response within 30 days as required by law. If this matter is not resolved in a timely manner, I will have no choice but to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XX/XX/year>XXXX  Key Points Referenced : 15 U.S.C. 1692g ( FDCPA ) : Notice of debt and right to dispute.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) : Furnishing accurate information and correcting errors.
Consumer complaint received 2024-09-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies (IL)

I've tried to give this car back not only they close account on loan but the loan was outrageous XXXX for a then XXXX car that ben in XXXX accidents they charged me almost the price of car in interest made it to where I couldn't trade in this car has not ben driven in a year they keep adding more on to a close account
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (FL)

Company Name : TD Auto Finance XXXX XXXX XXXX : ( XXXX ) XXXX Legal Department Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am due a refund back for all money I paid for XXXX XXXX XXXX 

I loaned my car to a friend who ended up getting the car towed. I went to get car from tow company and had the money in cash to pay tow fees in full. However, my car registration had expired about a week prior but unknown to me my vehicle was no longer registered to me, the title reflected only TD Auto Finance on title. I attempted to get updated registration and asked TD Auto Finance to update DMV with me as owner and then as lien holder. TD Auto Finance had issues correcting so I paid off the vehicle ( {$14000.00} ) to have them put the vehicle title fully in my name. They did not respond to tow company certified letters or transfer title to me so I could get vehicle registration and get the car from the tow company. The tow company took ownership of vehicle. TD Auto Finance only has refunded the payoff amount. They still owe me a refund of {$6700.00}. I paid them {$20000.00} for the vehicle ( this is the vehicle amount only, not finance charges. ) They have only refunded the payoff amount of {$14000.00}, TD Auto Finance still owes me {$6700.00}. I paid for the car they did not give me the car, which should have been done by them transferring the title. I am due all money back that I paid for the car. 

Also, wanted to note the tow company XXXX XXXX took ownership of the car instead of auctioning and takin only funds due and putting proceeds with Clerk of Court. They got a XXXX XXXX car for about XXXX XXXX XXXX 

I had took my son with me to bank to payoff the car. He was supposed to get the XXXX XXXX XXXX  and ended up loosing a very nice vehicle for my XXXX XXXXXXXX XXXX XXXX 

Resolution Needed : Refund balance due of funds that I paid them for vehicle. Police confirmed this is theft. 

They owe me {$6700.00}
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Higher Education Servicing Corporation, Inc. (TX)

My loan was with XXXXl for many years. I started repaying my loan in XXXX My loan was at $ XXXX. I made payments with XXXX for a good 5 years. Then XXXX XXXX XXXX and they put me on an IDR plan. Through out my time with XXXX they worked with me on IDR plans. When XXXX hit, XXXX sold my loan to Higher Education Loan Services. With, inflation I told my servicer I cant pay the payment for IDR, so they say thats the only payment they will except and for me to do forbearance. Okay, will do. I call them back to see if I can get someone else to help. I try to file another IDR, the payment is too high. I tell them I cant do it. So they tell me to fill out economic hardship paperwork. Higher education, my loan servicer has told me my loan is being reported late. I tried to call XXXX XXXX to see if they will work with me, but they dont see my account in the system.My loan is over 142 days late. My original student loans that I have paid on since XXXX that the beginning balance was $ XXXX is now close to $ XXXX. Yes, we all have hardships. But come on, how can we ever get out of debt when we cant get them to accept a payment term! Their answer is always to do forbearance or economic hardship because they want interest! I know I am not the only one out here dealing with this issue!
Consumer complaint received 2024-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MPOWER Financing, Public Benefit Corporation ()

I applied for a loan and XXXX XXXX brought out a bad report about my credit score and why the loan should not be issued to me. Meanwhile that report was far back when my bank account was used for fraudulent activities in which i reported to the bank and proper investigation was made and i was exonerated. XXXX credit still holds it against my XXXX  and has refused me from getting supports from loan companies to further my Education. 

I would like this to be reviewed and re- evaluated because my Education depends on it.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (VA)

On XXXXXX/XX/year>, I applied for a credit card, and I received a denial notice on XX/XX/year>. After reviewing the notice, I am requesting reconsideration of my application and further clarification of the reasons for denial, pursuant to my rights under 15 U.S.C. 1691, the Equal Credit Opportunity Act ( ECOA ), and 12 C.F.R. 1002, Regulation B.

According to 15 U.S.C. 1691 ( d ), creditors are required to provide specific reasons for denying a credit application. Additionally, under 12 C.F.R. 1002.9 ( a ) ( 2 ), this explanation must clearly outline the factors that adversely affected my application. Furthermore, it is important to note that under the ECOA and Regulation B, credit decisions can not be based solely on credit scores. Denying credit based solely on a credit score is a violation of these provisions, which are designed to ensure that applicants are fairly evaluated on the basis of multiple factors. 
In your denial notice, it was suggested that my credit score played a significant role in your decision. As such, I would like to emphasize that the use of a credit score, while a factor in the evaluation process, should not be the sole determining factor in the denial of credit, as per the regulations mentioned.
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (NJ)

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 ( XXXX ) 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.
Consumer complaint received 2023-02-13
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. (MS)

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 
XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX has refused to resolve fraudulent account. Account was removed from XXXX for being fraudulent and should have also been removed from XXXX and XXXX. Company has continued to report account with intent to destroy consumers credit. Account is not mine and does not belong to me. Account is not accurate as its already been deleted from XXXX. Account is reporting false information.
Consumer complaint received 2024-07-05
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. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-12
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: Spring Oaks Capital, LLC (CA)

XXXX XXXX  is listed in my credit report. I contacted them many times to validate the debt and ask for proof of purchase agreement. They have failed to provide the proof of the purchase agreement. This needs to be deleted from my credit report