davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST INTERSTATE BANCSYSTEM, INC. (GA)

I am a current customer with First Interstate Bank. I am awaiting a two electronic deposits from the Veteran 's Association and the XXXX XXXX and Accounting Service. As of the XXXX of XXXX, I have not received my deposits. I contacted First Interstate Bank to inquire about the status. I was told that 'they are having trouble with their system and can not give me a timeframe as to when this issue will be resolved. ' I am bemused as to why First Instate Bank has not been transparent with their customers. When you log into their website, nowhere does it state that they are having any issues. Nor does their social media indicate a problem. I find this troubling and deceptive.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Upon taking the time to go through my records, I was surprised to discover the presence of some late payments. Despite my efforts to seek clarification, I have not received any satisfactory validation or explanation for these late payments. This situation has left me feeling frustrated and uncertain about how to proceed.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NORTHWEST BANCSHARES INC (OH)

I went to XXXX XXXX to discuss a promotion they had going at the time as they were looking to acquire used vehicles. I had a XXXX  XXXX XXXX at the time and was looking to see if there were any options to lower my payment every month. I was shown a new XXXX and test drove it. I worked with a representative named XXXX. The monthly payment that came back was too high to make it worth it for me for the lease they were attempting to sell me. Then, XXXX said they have the same car used that I could buy. She pulled it up and showed it to me and said it's all the same except for a feature of the trunk. This is NOT true. I am extremely unhappy with the vehicle I ended up purchasing. The used version does NOT have the same features and there are imperfections that were not disclosed to me and the screen inside the vehicle doesn't always work. I regret ever going in and making this trade. Not worth it and I miss my old car.
Consumer complaint received 2024-06-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (WA)

Got mulitpule calls from this company saying that i owe a debt and that i needed to pay it before my wages started to get garnished. i told them i dont know of such debt and can i be provided in paper form the original contract with my signature on it and proof that they have the right to collect a debt from me an i was never given the proof that i asked for.
Consumer complaint received 2024-02-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (MD)

On XX/XX/2024 I called Ability Recovery Services LLC. XXXX answered the phone very pleasant at first. I informed him what I was trying to do with a payment plan and he stated that I need to ask family or friends for some money and to call back with a reasonable payment plan and just hung up the phone. so I called back again and the phone got disconnected called back a third time and asked for a supervisor. They stated that they still had to connect me to XXXX but just ask for a supervisor. When I did that all XXXX broke out. He stated I was wasting his time and what part do I not understand. I stated this is being recorded right? and all I want to do is talk with a supervisor. He then hangs up the phone.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

My property taxes and insurance are both held in escrow by my mortgage company. On XX/XX/XXXX, I got a notice in the mail that my property taxes had not been paid. I promptly called the mortgage servicing company and was told that it would be best handled by sending them the notice via the website portal. I did this and got a " acknowledgment of receipt. '' On XX/XX/XXXX, I got another notice that the taxes still had not been paid and that our property was turned over to the tax collector. I called the company and was again told that I should send the notice via the portal. I told them that I had done that already on XX/XX/XXXX and would do it again, but that I needed another level of help since nothing happened the first time. They gave me a " special email address '' to send the information to. I emailed them the notice and feedback with all of the detail above and again re-attached the notice. I again just received an " acknowledgement of receipt. '' Still nothing has been done about the taxes. Now, our sump pump has backed up and we need to file an insurance claim. Our insurance payment is also escrowed. I went to file the claim and our insurance has been cancelled for non-payment!!!!!!! So they also have not paid our insurance.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (MO)

I did an application with ( Avant ) for a personal loan of {$35000.00} on XX/XX/XXXX I requested in writing the factors involved in the consumer transaction under Title 15 USC 1611. ( Avant ) will not let me know why I was denied an extension of my credit.
Consumer complaint received 2024-02-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc. (NY)

On XX/XX/year> I filed a Petition for Bankruptcy in the XXXX XXXX XXXX New York. On XX/XX/year> the discharge of indebtedness was granted. At that time the mortgage debt was discharged. Since 2021 I have received 100 's of communications from Mr. Cooper. Mr. Cooper still states there communications are an attempt to collect a debt. This is in violation of TCPA the The Fair Debt Collections Practices Act. I have asked Mr. Cooper to discontinue the contact on a number of occasions, and Mr. Cooper continues to attempt to collect a debt from me. I do not owe this debt.
Consumer complaint received 2024-01-21
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. (GA)

I've noticed some accounts on my credit report that I don't recognize, and it seems like they might be due to identity theft because I never authorized them. I've raised this concern with you before, and I'm writing now to request that these accounts be removed from my report as soon as possible. Dealing with the stress of having these accounts on my report has been tough. They don't reflect my actual credit history or my financial responsibilities, and it's been challenging to cope with the impact.
Consumer complaint received 2024-06-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: M. Richard Epps, P.C. (VA)

Recently received a photocopy of a garnishment summons from an alleged attorneys/counselor at law, M. RICHARD EPPS , P.C., whom are identifying themselves as a debt collector and attorneys at the same time which is illegal pursuant to FDCPA, as well as Supreme Court case XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX ). I, XXXX : XXXX UCC 1-308 , never gave any form of consent ( verbal or written ) to this alleged law firm/debt collector to communicate with a living, natural person that being myself in any manner. This is actually Identity Theft and will result in the proper authorities receiving the Identity Theft report stating so, as well as the Attorney Generals office for Virginia. This firm has allegedly are acting on behalf of the an alleged Judgement Creditor XXXX XXXX XXXX XXXX for this alleged debt with a date of judgment of XX/XX/XXXX. The alleged amount/balance is {$24000.00}.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past ten years.

Thank you.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I received a letter from my homeowners insurance company on XX/XX/XXXX that they wont renew my policy and it will expire XX/XX/2023. Pennymac thought it was a cancellation ( even though letter clearly states my policy isn't cancelled and it will just be a nonrenewal at the end of the policy period ) however my agent and myself notified Pennymac of the changes in XXXX so they are aware. I am attaching proof that I had coverage during XXXX and there was no lapse in coverage. 
At the end of XXXX, I received a letter from Pennymac stating I need to show proof of HOI coverage date XXXX because it shows I didn't have it. I initially emailed them ( will attach proof ), the messaging center could not help. So I called them in XXXX to sort it out and state I did have insurance during that time period. The agent from Pennymac called the insurance company to verify and assured that it was resolved. In XXXX, I received a final notice stating I need to show proof of coverage or they will purchase lender provided coverage of {$3200.00}. ( I'm not understanding why because I contacted them several times ). I ended up faxing the information AGAIN to them on XX/XX/XXXX ( I will attach proof of fax ). They never reached out but they said they received the documents in my account info. I thought it was settled until Pennymac proceeded to DEFRAUD me and take money out of my escrow in the amount of {$3200.00} on XX/XX/XXXX for their preferred mortgage lender even though I showed proof several times that I had HOI and no lapse in coverage. 
I didn't get a notification that they did that until yesterday, XX/XX/XXXX in which I called Pennymac. They said they will get it resolved and refund me the {$3200.00} and cancel the preferred lender policy, I asked for proof that this was done and they stated i will get an email. HOWEVER today I received an email stating my account policy can not be updated. I am frustrated regarding this unresolved issue. Not only that Pennymac DEFRAUDED me and stole money out of my escrow account and ignored all the proof that I had an active XXXX policy,
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I am and have been disputing the date this account was opened and XXXX is not correct. This account was opened on XX/XX/XXXX, thru Furst National Bank of Omaha and that's how I expect it to be reported. Secondly, too old to collect ANYMORE money.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mutual Management Services LLC (FL)

I know nothing about this company, or what this debt is still reporting. I was a victim of theft, and i acutally never recived notification i just saw this account on my report. I included my affidavit, and XXXX asking for a removal of account from my credit report.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (GA)

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA.

ABSOLUTE RESOLUTIONS INVESTMENT is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ABSOLUTE RESOLUTIONS INVESTMENT. Please be advised that providing a memorandum or other statement from your agency, stating that ABSOLUTE RESOLUTIONS INVESTMENT the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Consumer complaint received 2024-02-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (MI)

To whom it may concern I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and Michigan Administrative Code ( section 20-493.2 ). Michigan regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX, verifica- tion requires all of the following : Proof of my agreement to pay the original creditor with my signature. Naming your company as a person entitled to enforce a claim against me. 
A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

You have 30 days to provide proof of contract. In the event you can not provide proof of contract. You must cease and desist any and all collection efforts. And immediately remove any derogatory information reported to the Cra.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc. (OH)

Subject : Formal Complaint Against MERIDIAN FINANCIAL SERVICES for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against MERIDIAN FINANCIAL SERVICES for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding MERIDIAN FINANCIAL SERVICES ' unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : MERIDIAN FINANCIAL SERVICES has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights.

2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt.

3. False, Misleading, and Deceptive Practice : MERIDIAN FINANCIAL SERVICES has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights.

4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) ** : MERIDIAN FINANCIAL SERVICES has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Given these violations, I am formally disputing any and all debts claimed by MERIDIAN FINANCIAL SERVICES. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls.

In my previous correspondence with MERIDIAN FINANCIAL SERVICES, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between MERIDIAN FINANCIAL SERVICES and the original creditor.

3. Proof that MERIDIAN FINANCIAL SERVICES is licensed and bonded.

I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that MERIDIAN FINANCIAL SERVICES complies with all applicable laws and regulations. Furthermore, I request proof of mail receipt for my records.

Thank you for your attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I received a car loan through Credit Acceptance. The car was totaled in a hailstorm in 2023. They had the car towed and it was no longer in my possession. They repeatedly contacted me, stating I had a balance. Once the balance was paid, they continued to report me to the Credit Bureaus. 

Also, before the car was totaled, they repeatedly reported me to the credit bureaus stating I was XXXX  days late on my payments when I was not.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

I was denied an extension of credit by American Express. I applied for a credit card application with American Express it is against federal law in accordance with the Equal Credit Opportunity Act. Pursuant to 15 U.S.Code 1691 ( c ) American Express assume civil liability pursuant to 15 U.S.Code 1691 ( k ) American Express has violated my federal protected consumer rights. I have the denial letter which is proof and evidence I have been discriminated against which makes American Express criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. I demand that my credit card is Open Ended pursuant to 12 CFR 1026 ( REGULATION Z ) Otherwise this would be considered securities fraud and trust fraud since I have received NO CONSIDERATION. I will also be filing a ( whistle blowers ) complaint with sec.gov, FTC and the attorney general XXXX XXXX for remedy in this matter.
Consumer complaint received 2024-06-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (TX)

They charged me 3 times for the month of XXXX and are typing to charge me again for the month of XXXX and XXXX. When I show them back statements and my bank confirms the payment they refuse to refund my payment. They have been no help.
Consumer complaint received 2023-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

My school loans were transferred to Mohela. I was at XXXX payments towards PSLF. My Mohela account SHOWED that my payments were at XXXX payments. I submitted an employment certification update from my current employer ( XXXX XXXX XXXX ), as I try to do every year or so to keep my payments updated. Instead of adding payments, Mohela TOOK AWAY payments and set be back at XXXX payments. I contacted them XX/XX/23 to resolve the issue. Thier tracker is still sitting at XXXX payments and they have not contacted This has me insanely concerned, since I was so close to pay off. They have all of my certifications on file and I completed the temporary PSLF application back with my previous provider ( however I had applied and been tracking PSLF my entire career ). 

Thank you