davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

My complaint is that Experian refuses to remove a derogatory address of XXXX XXXX XXXX, XXXX, MD from my credit report. I have never resided there, and I have never applied for any such benefits, etc. using that residence. I have tried to contact it using their internal communications dispute portal only for it to reply providing me with a results number # XXXX informing me that my result could not be provided through the portal, and that I must contact it at XXXX. Problem is, when I contacted it, I was greeted with an AI-Bot that gave me three options ; ( 1 ) to contact it on its website; ( 2 ) for it to provide me with its website address ; and/or ( 3 ) to repeat the instructions.
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MO)

since XX/XX/year> i paid almost XXXX dollars then since they took my XXXX for standard payment other half goes to past due so for XXXX i should have gotten XXXX plus because of XXXX ish past due but i reviewed my bill i got XXXX ish dollars
Consumer complaint received 2024-05-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC (NH)

Despite my account being current, a week before the inspection, my Mortgage servicer charged me an inspection fee, which was not mutually agreed upon, nor was a prior notice sent to me. They state the inspection happened on XX/XX/year>, and I had no visitors to the property that day, nor do I have anyone on video. The company will not provide the time-stamped photos that were supposedly taken that day. 
Cross Country Mortgage continually refuses to provide information regarding my mortgage servicer, stating they are the servicer. According to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is the servicer. XXXX XXXX is a XXXX for XXXX. After some back and forth with an online agent, I was able to get enough information about the company the VA has on file. My concern regarding the refusal to provide this information is they might be defrauding the XXXX XXXX XXXX XXXX XXXX in order to financially harm XXXX.
Consumer complaint received 2024-06-04
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: Westlake Services, LLC (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX Texas Laws Dear WESTLAKE FIN, I am writing to address the unauthorized reporting of information to my credit report, in violation of both federal and Texas state laws. Specifically, this pertains to the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) ; the Texas Finance Code under Sections 392.301 and 392.305 ; and Texas Penal Code Section 32.51 concerning identity theft.

It has come to my attention that WESTLAKE FIN has reported information to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is required for such reporting activities ( Section 1681b ( a ) ( 2 ) ).

In addition, Texas law under Section 392.301 of the Texas Finance Code emphasizes the necessity of consumer consent for credit reporting. Section 392.305 establishes guidelines for the fair reporting of consumer credit information. Texas Penal Code Section 32.51 highlights the seriousness of unauthorized access and misuse of personal information.

I assert that I have not provided consent for WESTLAKE FIN to report any information to my credit report. This lack of explicit permission violates my rights, potentially damaging my creditworthiness and disregarding both federal and state laws.

I demand that WESTLAKE FIN immediately cease any further reporting of information to my credit report without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within 30 days will be viewed as willful noncompliance and subject to penalties under applicable laws, including identity fraud laws.

Obtaining consent is a legal obligation under the FCRA, Texas state law, and identity fraud laws. This is a demand for compliance with federal and state regulations to protect consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and anticipate that WESTLAKE FIN will promptly rectify these violations, respecting my rights under federal and state laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (FL)

I went to my bank vystar to withdraw money on XX/XX/2024. The bank notified me a judgement is placed on my account and my children account. The bank gave me the name advantage assets llc.and telephone number XXXX. I called advantage assets to get more information. The lawyers office informed me they are a debt collector for XXXX XXXX XXXX. The collector I spoke to asked me for my address. He said the office would mail me a copy of the judgement. I told the collector that is not my account. I need my money and my children money from my bank to pay bills. He would not provide me with account numbers. He only told me the office is collecting and I owe {$12000.00} on XXXX accounts. Both accounts in the total amount of {$24000.00}. I do not owe this company. Please help me?
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP (IL)

XXXX XXXX, XXXX is a client of XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX made the following statement about me : "... This account is being serviced by XXXX XXXX XXXX XXXX XXXX An initial demand letter was sent [ to XXXX ] on XX/XX/XXXX, and suit was filed on XX/XX/XXXX. XXXX has actively been avoiding service of the summons and complaint.... Should the consumer continue to have further questions or concerns we invite them to contact XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. 'XXXX XXXXXXXX 's claim that I am actively avoiding service is false and utterly absurd, for XXXX reasons : XXXX. I told their attorney in XXXX that I would happily come to XXXX 's office to accept service of the summons/complaint in person. However, this never came to pass because of # XXXX below : XXXX. Since XX/XX/XXXX ( more than a month prior to the XX/XX/XXXX statement above ), XXXX have XXXX suspended their litigation against me, including all service attempts*. 

As the attached email succinctly notes : " We are not taking any legal action against you at this time. '' ( The litigation has been suspended pending XXXX 's review of the evidence I provided to them that irrefutably proves the futility of their case. ) Accordingly, I was utterly astonished by the brazenness of XXXX 's false claims against me on XX/XX/XXXX. Making their claims all the more absurd is the fact that I have been desperately trying to move this matter forward with XXXX and XXXX for months now, while Velocity has sat on the matter and has refused to engage ( there are literally dozens of emails that can be provided if need be to prove this ) with me in any way whatsoever. 

I have been contacting XXXX XXXX XXXX since XX/XX/XXXX, urging them to get their client to renounce these false statements, or at the very least for XXXX to renounce the false statements. After all, XXXX 's statement clearly indicates that the information XXXXXXXX relied upon in writing the false statement came from XXXX, the account holder/litigator in the matter. 

As of today, I have heard from XXXX twice since the XXXX but they have so far been unwilling to meet any of my very modest requests.
Consumer complaint received 2024-06-04
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: SANTANDER HOLDINGS USA, INC. (CA)

My credit is on freeze status. On my XXXX XXXX, 2024 Drive Financial reported an inquiry on my credit report which I did not apply for. 

Please remove immediately. Thank you.
Consumer complaint received 2023-04-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NY)

these loans are fraud and ive have r	he right to recission when fraud is apply to the contract... .usc 15 1611 willful and kownly committing fraud im giving then 20 days to send ne a payoff letter or have the inspector general file a lawsuit and then ill see them in court these loans should been discharge when the lawsuit was settle plese see attach paperwork
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

XXXX is missing from escrow account # XXXX. Mr. Cooper claims this money was disbursed for tax ON XX/XX/XXXX, however it was never received by the county. 
In other words, on XX/XX/XXXX {$11000.00} was deducted from my escrow account ( Account # XXXX ) by Mr. Cooper with the reference number XXXX. This was marked as a disbursement for the XXXX County Tax. ( Note that this transaction took place right before my mortgage was transferred to a different company-XXXX XXXX ). This disbursement/payment, that Mr. Cooper claims was made, never reached the XXXX county tax department as of today ( XX/XX/XXXX ). I contacted Mr.Cooper several times and they ca n't locate where the funds are and it could take an indefinite amount of time before they can proceed with a resolution. My current mortgage company has already made another payment to the county ( in addition to the funds that were lost and deducted by Mr. Cooper ). This resulted in a negative escrow in my current mortgage account. The lack of clarity from Mr. Cooper regarding a resolution on the missing amount is not acceptable. 

To summarize : the funds that Mr. Cooper disbursed from my escrow account ( labeled as taxes ) have not been located as of today. The XXXX county tax office never received this tax disbursement and Mr. Cooper does not provide credible information regarding where these funds are. Mr. Cooper 's wait & see approach for locating these funds are not acceptable as the funds are missing/not received for well over 1 month now ( i.e. dating back to XX/XX/XXXX as per the attached loan history statement ). XXXX County tax department has no record of these funds coming in from Mr. Cooper and this is also confirmed by the county tax department. I would like a formal response from Mr. Cooper on this matter and a refund ASAP. I have tried several times contacting Mr. Cooper but no resolution has been provided until today.
Consumer complaint received 2024-06-04
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: SANTANDER HOLDINGS USA, INC. (TX)

My name is XXXX XXXX XXXX I called and settled my debt with Chrysler capital phone number XXXX I payed the debt in XXXX and its still showing on my credit report When it should be off .. my last four of my social is the only way they can look up the report now because its closed XXXX they said it would b off 30 - 45 days and its still there I just would like it to be removed but they are no help keep saying that they will fix it Sincerely XXXX XXXXXXXX
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (LA)

Dear Sir/Madam, I am writing to formally dispute a debt of {$240.00} that has been erroneously charged to me and is currently under RMS Collections Co. for collection efforts. The debt in question relates to healthcare insurance coverage purportedly provided by XXXX XXXX. 

In XX/XX/year>, I contacted XXXX XXXX and informed them that I no longer required their coverage as my new employer provided me with medical insurance benefits. Despite this notification, I was charged for services that I did not receive or need. 

I request that you : Investigate this matter thoroughly and validate the debt. 
Provide documentation that substantiates the validity of this debt. 
Remove this debt from your collections and ensure that no negative impact is reported to credit bureaus as a result of this error. 

To resolve this matter promptly, I kindly ask for written confirmation once the erroneous debt has been removed from your records and any necessary corrections have been made to my credit report. 

Thank you for your attention to this important matter. I look forward to your prompt resolution.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: ADP Inc. (TX)

I worked for the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I cashed two checks that paid me for my work, one in the amount of {$510.00} and the other check in the amount of {$510.00} I cashed these checks online and sent photos to my bank and the money arrived that same day. But on XX/XX/XXXX, the bank decided to subtract the amount of XXXX from my account because the checks that I cashed on XX/XX/XXXX online, another person cashed them again elsewhere ... my bank took this action as a debit note on XX/XX/XXXX and they took money from me that I had in positive ... unfortunately I threw away the checks without tearing them thinking that they were no longer valid, now I was forced to pay the bank money that I collected once and what Another person cashed them for the second time. I want to know if I can recover the money that the bank subtracted from me and if I can have information about the place where they cashed the two checks for the second time.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

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 2024-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (CO)

My XXXX yo mother died during XXXX on XX/XX/XXXX. Since I handled her bills which were in my name or jointly hers and my name, we canceled her lease and canceled all of her utilities, phone, cable, etc in XX/XX/XXXX. In XXXX I received a debt collection notice from XXXX XXXX and I explained that her last XXXX  XXXX bill had been paid and the account closed so we did not owe the {$2400.00} bill they were collecting on behalf of XXXX  XXXX. That said fine and that they would contact XXXX  XXXX. Now once again I have received a notice of debt for the same amount from XXXX XXXX XXXX. They have put the account in dispute since a new tenant moved into the apartment at XXXX XXXX XXXX, XXXX, NY XXXX and fraudulently utilized XXXX XXXX services under my name, XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I am due a refund from my Escrow account. I have been waiting for a month and a half and the only information the lender ( CHFA Colorado Housing and Finance Authority ) will provide is that the " check is in the mail. '' I did not receive the check within the 30 day delivery period, and now they are telling me a reissued check will take up to 60 days. They refuse to validate the address they are sending it to, and refusing to offer tracking on the check delivery. I do not believe they are trying to reimburse me.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to remove items that are 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 any items or information not later than 4 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 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 Balance  : {$0.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

I did not open this account nor authorize any transactions associated with it. The fraudulent activity has caused significant damage to my credit. I have already successfully resolved this matter with the bank involved. 

I have attached supporting documents, including a copy of the police report and the report filed with the Consumer Financial Protection Bureau, detailing the identity theft.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TX)

On XXXX XXXX, a payoff was sent to Flagship Credit Acceptance via XXXX XXXX XXXX and was relieved and signed for on XX/XX/year>. As of today the cashier check has not posted and when called they tell me that not received or the invidual on the phone do not have the check to payoff the account I provided the check number amout and date and sent a copy of the check and has not posted.
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

The mortgage servicer Select Portfolio Servicing , Inc. has violated the Dodd-Frank Wall Street Reform and Consumer Protection Act created by the Consumer Protection Financial Bureau ( CFPB ), Rule X is XXXX ( f ) ( XXXX, which prohibits dual tracking. 

Select Portfolio Servicing, Inc. continues to ignore the Qualified Written Request and Notice of Error and proceed with the foreclosure sale date.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase Business Checking account on XX/XX/year> with a coupon I recieved in the mail that had a {$750.00} bonus offer if I deposited {$30000.00} within 30 days of account opening, and maintained that balance until the 60th day. I made sure I deposited $ XXXX within the 30 days ( it was more like 7 days ), and my balance never once dropped below that amount. All of my monthly statements proove that to be true, aswell as all of my records I've kept that show the promotion was attached to my account when I opened it. On XX/XX/year> I recieved {$400.00} into my Business Checking Account, not the full {$750.00} that was stated in the terms. I reached out that same day to a banker over the phone, who told me she could see that the offer was attached correctly, and that my balance never did drop below {$30000.00}. She was confused as to why I didn't get the full {$750.00}, and told me she would create a ticket, and a banker would reach out in 2-3 days. A week passed by with no response/call from anyone at Chase. I reached back out via XXXX XXXX to see what was going on, and was told the same thing except this time a banker would reach out in 7-10 days. Well 10 days passed by yet again with not a single person reaching out to me. I want to know where is the remaining {$350.00} that I am owed.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-04
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: The Bureaus, Inc. (PA)

My credit report is showing a Collection from XXXX XXXX XXXX, on my XXXX and XXXX and XXXX account, which was sold to XXXX XXXX XXXXXX/XX/year> AND THE BUREAUS XXXXXXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (IN)

I had a fraudulent charge of {$210.00} on my account. I disputed it and had a new card issued. The bank denied my claim. They sent me a letter on XX/XX/24 stating I could request a copy of the documents for the case. When I called to request them, I was told they would not provide them.