davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (NY)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.
Consumer complaint received 2017-05-11
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Financial Freedom LN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  We have requested a copy of the appraisal that had been used to value this property multiple times. We have requested it 3 times directly from the negotiator,  XXXX   XXXX .  Two t imes via email and once via phone call. She has completely ignored our requests.     We have also called in t o Financial Freedom a nd they have outright refused to provide a copy of the appraisal.     Refusing to provide a copy of the appraisal used in a value decision is a direct violation of the ECOA guidelines ( a copy is attached to this complaint ).     We believe there has been valuation fraud on this file, an d Financial Freedom is r efusing to provide a copy of the appraisal, as per ECOA guidelines.     This property is  a Mobile Home on a Cinderblock Foundation and Financial Freedom  is hiding the fact that they have accepted a value on it that compares it to a single-family residential property. The value that  Financial Freedom  has come up with are in line with the market comparables for Single-Family residences in the area. This value is NOT in line with market comparables for a  Mobile Home on a Cinderblock Foundation .     Again, this property is NOT a  Single-Family Residence. It is a Mobile Home on a Cinderblock  Foundation. Any value that would have been arrived at by comparing this Mobile Home on a  Cinderblock Foundation t o a Single-Family Residence is FRAUD.      Financial Freedom  has either  1 ) either committed the fraud on purpose, 2 ) wer e too stupid to review the appraisal, or  3 ) they hired an  XXXX .      None of those are acceptable excuses for  Valuation Fraud .     We believe thi s Valuation Fraud is  being done on purpose to defraud the Federal Government and t he US Taxpayer.      Als o, Financial Freedom is  claiming that the foreclosure auction will take place on  XX/XX/XXXX . We have checked wit h the county and a Notice of Trustee Sale  has not been recorded. Not only that, but the seller died in  XXXX  of  XXXX .  ( See attached Death Certificate. ) T here is a 12 month moratorium on foreclosing on the property of a deceased person. That means the Estate of the Deceased has 12 months to sell the property before the foreclosure proceedings can even begin. The original estimated foreclosure date on this property was in  XXXX   XXXX . That means that  Financial Freedom st arted the foreclosure proceedings in  XXXX , as soon as they found out he was deceased. THIS IS ILEGAL.  Does Financial Freedom  plan to Illegally Foreclose on the property?
Consumer complaint received 2017-05-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

I took out a loan with back then was  XXXX   XXXX  for an amount of {$5000.00} for student tuiton in  XXXX . Fast forward 4 years to  XXXX . That  XXXX  I graduated. I believe interest accurred and the loan came out to {$7000.00}. During my 4 years,   XXXX   XXXX   added on {$2000.00} to my loan.    XXXX   XXXX  made their attemp to start payments. I began payments around  XXXX   XXXX  with auto pay of {$65.00}. The interest rate varied from month to month. It was never shown to me what each months rate were. After 3 years of paying minimum paymenta got me nowhere. I decided to pay more hoping to get rid of this loan. It is now 7 years into the loan and I still owe {$2600.00} with Navient. It has been so  XXXX  because {$2000.00} was added to my loan while i was in school. Their rates have been ridiculously high. And I was always kept in the dark as to how much I have paid off. The numbers are not adding up. I am still stuck wit h a 7 year old lo an.
Consumer complaint received 2024-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (TX)

XX/XX/year> I contacted XXXX XXXX and asked for information about this debt. They said my account was closed and ask me to call Jefferson capital systems. When I called Jefferson capital system they told me they couldnt provide me with any information and they have a number for me to call thats all. That number was XXXX. I made a call to these people asking nicely if they could send me any information regarding this debt. I ask if I could see the form when the car was sold and the form from when the car was first brought. He refused to give me any information he just repeatedly asked me if I was going to pay am I refusing to pay he cant provide me with anything pay my debt and hung up. Im not sure whats the company name only a number that I was provide XXXX XXXX XXXX didnt inform me either about this neither did they inform me they was selling my information to another collections
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

It was n't until my husband took over the bills recently that he noticed I have been charged a  Card Security fee  ranging from $  XXXX  for the past  two years on my Amazon Credit account. I never signed up for this service. I h ave no idea what it is. I never agreed to this service, etc.   I have been trying to run a   XXXX   XXXX  , give people jobs, while supporting my mom who has been on  XXXX  for over 20 years, borrowing tens of thousands of dollars to try to keep my business afloat only to have some insidious fee/company draining me of much needed money every month. I do n't have time to read over every single bill I get in order to look for hidden fees. I look to see what I owe and I make a payment. I have tried calling the  XXXX  # listed on my Amazon bills but I have not been able to get a hold of anyone. The website mentioned on the automated message is not active.   I found a discussion about this online, and I am not the only  one  in this position. If you scroll down just a little, the complaints begin -   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to  XXXX   XXXX   XXXX  through the   XXXX   XXXX   by me. I followed the instructions to return the equipment and it was received by  XXXX   XXXX   XXXX . I owe nothing to  XXXX   XXXX   XXXX  and request that the account be closed and wiped from my credit files that it is being reported to currently.
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: H. Kent Hollins, Attorney at Law, P.A (IN)

A company called and stated we owed a debt. We asked for proof and never received any. Years later they called again. We still were not given answers. Then they sent a letter stating they were garnishing my husbands wages. We never had a chance to fight it. We lived in Florida and the debt collector is in Kansas. They claim the debt is from  2007 b ut fail to provide proof. Now they keep sending letters that show debt and a 12 % interest rate monthly. They garnished my husband wages until we moved and he changed jobs. Now, they 're sending letters again demanding money.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I had  XXXX  accounts with   XXXX   XXXX   XXXX   which have been paid off but   XXXX   will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows  : 1.       XXXX  {$2200.00}  2.      XXXX  {$5400.00}
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

They are reporting themselves as the original debtor. No clue who they are. Numerous times I have disputed this debt. I just applied for a loan and was denied because of this. I intend to sue for if this is not removed at once
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had  XXXX  accounts with    XXXX   XXXX   XXXX    which have been paid off but Transunion will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00} 2.  XXXX  {$5400.00}
Consumer complaint received 2017-05-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP (NC)

Delinquent on account due to husband losing job and only my income to support a famil y   of 3. Honda fina nce company called references and disclosed information they should n't have. A reference should not know that they are being called in reference to someone 's debt. I had called them later and set up payment arrangement for  XXXX ,  XXXX , and  XXXX . When I called to ask them not to call my references, rep advised me that they would continue when they could not get a hold of me. I advised her that if I ask her not to call she should notgoing forward. Instead of listening rep was argumentative the entire time even though I had previously made arrangements and then told me " well you are driving around in a car you are not paying for and we need to know where our car is ''. I asked rep if they had a centralized complaint line so the I could voice my concern but she said no. They are a huge company, very surprised they do not have a department that services complaints or compliments. Everything I said to the rep, she had to counter with something and made me feel like my vehicle with the subtle comments she made. Today  XXXX / XXXX /  XXXX  , I have again received another call  from Honda ev en though I have payment arrangements set up on my account for  XXXX  when I get paid. I have saved the voicemail and am looking in to contacting an attorney as in the voicemail that is also generic and does n't list my name, the rep asked for a callback so I can let her know my intentions with my vehicle. That to me is another subtle hint of reposse ssion from Honda. I h ave had  XXXX  loans with  Honda  but after this loan I will not do business with them ever again and will not refer them to anyone either. I feel that they are violating the Fdcpa. Also if listening from just rep end, you would n't have realized that I said up arrangements on my account.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 U.S.C 1681. 
Account NameXXXX 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 
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 an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

1. Property Address :   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  : See Attachment A : Repeated Demand MANDATORY QWR response.
Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act   XXXX   https :   XXXX   2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts.
3. ID Theft notifications.
4. Explanation for perjury, fraud and fraud upon the court in case #   XXXX   Inre :  XXXX , SEC.gov and   XXXX   XXXX  ,   XXXX   XXXX  , clerk files and land records. see attachments a : POC b.Disputed/Denied Debt.
5. Explanation for contract failure ( s ).
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired.
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust.
8. Copies of Form 1003, 1007 and Appraisal.
9. Copies of ALL BPO, Appraisals and valuations  XXXX  purported origination until   XXXX   XXXX   XXXX  .
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until   XXXX   XXXX   XXXX  .
11.   XXXX   XXXX   is preparing litigation however the   XXXX   XXXX   XXXX  , Bank of America and misc servicers are refusing to identify MANDATORY information in order to allow ALL defendants to be litigated while attempting to notify VICTIMS of the bond certificate scam.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated 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. Please delete the account : XXXX XXXX XXXX - XXXX
Consumer complaint received 2017-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On   XX/XX/XXXX  I ord ere d   XXXX   items  through  XXXX , which uses Paypal to make payment. The cost according to  Paypal  were {$3.00} Item #  XXXX  Transaction ID  XXXX  and {$9.00} Item #  XXXX  Transaction ID  XXXX . I wanted to cancel the transaction. Paypal have refused to refund my money. It seems that the shipping of these items were by  XXXX   XXXX , who was unaware that they shipping items from  XXXX  that were paid for with Paypal. Using this particular method of independent vendor,  XXXX ,  Paypal  and  XXXX   XXXX  creates an atmosphere where it is nearly impossible to have a return or cancel an order when each of the companies places blame on the other partners involved in the transaction. To date I have spent ove r 4 h ours on the phone and have nothing except   XXXX    XXXX   XXXX . I have recently contacted Paypal speaking to a  XXXX  #  XXXX , supposedly a Disputes and Claims manager.  XXXX  wanted me to say that I was having problems with the vendor, I explained my problem was with Paypal because they were the ones that were listed by my bank for withdrawing the funds from my checking account. In my opinion Paypal is the major participant because they were the ones who deducted the monies from my account. Once I became aware that  XXXX   XXXX  was involved I have tried to cancelled the order. Paypal has accepted no responsibility and yet accessed my checking account. Paypal has locked me out of my account so I am unable to provide transaction details.
Consumer complaint received 2024-08-12
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>2024 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.
Consumer complaint received 2024-08-12
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performance Settlement, LLC (TX)

I was approached via cellphone from a company named  XXXX . This company promises to wipe out my {$16000.00} Federal school loan. This transaction was done all online with me first writing them a letter. This letter stated that I had  XXXX  income and was approved by the program because of my unemployment status. I was also asked for my income tax forms with social security and drivers license number which I provided the company. I was also told I was approved to pay  XXXX  dollars for 18 months, and that I also qualified to pay {$50.00} for 36 months. That after fulfilling this obligation I will owe  XXXX  dollars on my  Federal School Loans . But first I must sign a contract to pay {$1400.00} over the course of 18 months or 36 months. I became suspicious when  XXXX  told me I did n't have to do anything that they would contact the Department of Education and my creditor  XXXX  sending them a forbearance for my loan. And I wouldnt be responsible for any payment until  XXXX . Then I was asked to sign this contract for {$1400.00} which was the cost of my 36 month obligation of 36 month which is actually  XXXX  dollars and not  XXXX  dollars. I think this company was trying to qualifiy me and get me to sign as soon as possible. Is this company legitimating helping people this way with their student loans. Or is this just another way to lock me in a contract with them and other companies I know nothing about to defraud me of {$1400.00}?
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: St.John Cobb Inc (AZ)

Re : St John Cobb Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone # XXXX I received a letter from them claiming that I owed them {$36.00} for False Alarm fees that I had not paid. They said my case had been referred to them for collection, and I had 5 days to pay them. I went to the City of XXXX utility billing office and they said they never heard of this company. I also went to XXXX Police dept and they had never heard of this company. I called XXXX XXXX XXXX, and they said they were not showing any false alarms or late payments on my account. I therefore believe this is a scam, and I am not paying it.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX   XXXX  has a hard inquiry on my Equifax credit report that needs to be immediately moved. The dates ar  e  XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX .       I also want to have  XXXX  's hard inquiry from    XX/XX/XXXX  removed.
Us Department of Education from  XX/XX/XXXX  needs to be removed   as well.