davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (PA)

I sent a request for information/notice of error under RESPA to my mortgage loan servicer Nationstar dba Rushmore Loan Servicing on XX/XX/2024 by certified US mail receipt of which was confirmed. 
Having not received a response, I called Nationstar on XX/XX/XXXX and they told me they sent a response to my lawyer on XX/XX/2024. I contacted my lawyer but he never received the response. I don't have any pending lawsuit against Nationstar having settled it last year so any response to my letter and any correspondence of any kind.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (DE)

This collection agency has violated the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) By not providing the needed information to properly verify this alleged debt. i have asked for the following documentation to be sent pursuant to that law : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along a complete itemization of all such charges ; Provide me with an affidavit that the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect on a debt in the State of Delaware ; and Provide me with your and your client 's proof of Good Standing under the laws of Delaware and the Secretary of State along with information regarding your Registered Agent for Service of Process. If this company have the proper authority to collect on this debt, my request should not have gone unanswered. Please help me pressure this company into providing the needed documentation on this.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ARVEST BANK GROUP, INC. (AR)

Arvest Bank has a policy regarding overdraft protection that is detailed within the small print located in paperwork signed at the branch when applying in an office during initial account creation, but more specifically it is something that is automatically agreed upon when instituting the protection at a teller location whereupon in as is in my case, the protection is started and your teller simply says " ok you're good to go ''. 

The issue arises for me as I never saw this small print regarding overdraft protection. So, for months and months I have been going to the bank on paydays, moving my balance and overdraft allowance over to my mother 's account in order to pay her bills and mine, as I have taken over these things for her, and never once have I had a problem doing so until today, a payday, whereupon I am told I no longer am protected by this overdraft allowance. 

The branch could only tell me it was because I had not left a " positive balance '' long enough and that I had incurred a " suspension of overdraft allowance '' due to my infraction. I asked for lenience and help, was offered none whatsoever and left to call the support center. 

The support center transfered me to XXXX who quickly told me I was being offered no help, and furthermore, would not be allowed to use their overdraft again until I had " proven with a positive balance for 2 consecutive months that I wouldn't abuse this system ''. 

My complaint is being filed in order to achieve the following, as I understand fully there will be no help or recompence for my situation. This is a weekly occurance for XXXX and the patrons who are setup with overdraft protection in this way. SO, I ask for the business to institute changes to their policy. While I was there, an XXXX associate was kind enough to call a man and wish him happy birthday. I would like Arvest bank to institute a new policy in which the same courtesy was extended to those patrons who on a payday, with bills due, and a hungry family to feed, could truely have used a call telling them about the coming shut down of their finances. A simple offer of advice at the teller every month for the past months would have helped. How was I to know I wasn't leaving my money in my account long enough? To be negative for months, but have multiple paydays coming in direct deposit doesn't make a bit of sense to me. 

Thank you for the time reading. I am leaving XXXX and wish for my complaint to be stated openly so that the bank and its management can understand the average plight of the average consumer who encounters their " regulations '' at the absolute worst time, in the most disrespectful and disruptive way possible to our lives.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (TX)

I just view my Equifax credit report I came across Hard Inquiries that I didn't authorize nor recognize on my credit report. XXXX XXXX Date- XX/XX/2022, XXXX XXXX-Inquiry XXXX, XXXX-Inquiry Date- XX/XX/2022.
Consumer complaint received 2021-01-09
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: EQUIFAX, INC. (OH)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (AR)

I got a truck at XXXX XXXX in XX/XX/2022. I stated I am the beneficiary of this purchase and signed with my beneficiary signature, see attached documents. GM Financial approved the purchase. Upon receiving the contract in the mail, I went and added my terms and had it recorded in the courts so it is a legal contract. GM Financial has received the contract and refused/ignored it. I called multiple times. After being transferred to the XXXX person on XXXX call, I gave the man the Certificate of Record number along with the number under the barcode at the top of the page. I asked them to review it and call back, which they never did. I called back approximately a week later and spoke to another woman. She said she knew nothing about this stuff, but she was able to pull up the contract in my file and read it. I tried getting a phone number to the legal team or CFO but was refused.
Consumer complaint received 2023-12-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MD)

I bought this card on XXXX XXXX worth XXXX XXXX  when I wanted to use it has XXXX balance, how? Because I never used this card, I complained to incomm and afterwards they sent me an email that they require the receipt and front and back of the card which I sent and they confirmed receipt on XX/XX/ and told me to wait 30 days,, 30 days has gone and nothing has been done, Im not filing a dispute Im logging a complain about a fraud of card with XXXX balance, I will be suing incomm after this, because this is the second time Im raising this case, I will also attach all proof to this case, A RECIEPT IS A PROOF OF PURCHASE ANYWHERE IN THE WORLD
Consumer complaint received 2024-04-14
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. (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 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 information is inaccurate.
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (FL)

XXXX of the single files attached ( cover letter to XXXX ) will explain more thouroughly. But, I was admitted into the emergency room at XXXX for tests from a previous car accident. Date of admittance was XX/XX/XXXX. They received my XXXX XXXX at the time of admittance. 

It appears that my auto insurance ( XXXX ) made their adjusted payment on XX/XX/XXXX. 

On XX/XX/XXXX, I received my FIRST bill from XXXX stating I owed them {$9900.00} ( XXXX  months after the XXXX  service ). I called them several times until I was connected with a " XXXX advocate. '' I was then sent a form to fill out and attach all my personal financial information ; tax statements, XXXX XXXX XXXXXXXX letter, etc. Soon thereafter, I submitted all the financial data they requested to consider the bill forgiven, and informed them that, " If they were to send me this bill in a timely manner, my previous XXXX would have covered it. '' Therefore, they werte negligent in their billing OR they received there initial XXXX payment and decided to wait beyond my settlement to bill me. Either way, ( XXXX ) months to bill a patient for the first time would be considered negligence on their part. 

XXXX never responded to my appeal and sent the bill to collections. I called XXXX for a reason that they never responded to my appeal ( it was sent in a timely manner ), and they said, " They could not discuss it. '' My lawyer informed me that this is normal practice for XXXX, they are poor in billing and patients normally receive their bills years later. This can't be ethical with the elderly who often times change insurance companies or go on XXXX. This is not just. 

The bill is with collections now, and I filed an appeal. Collector 's are : FROST-ARNETT
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have 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 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 or 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 data is inaccurate.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRSTBANK (CO)

We had an employee cashing her paycheck, she also banks at FirstBank. While she was cashing her check, she made an address change. The teller changed the address on our business account. I found out via email the next day. I called multiple times to the bank and received the run around. I called the main line, they stated they could not forward my call the the branch. They gave me the number to call the branch, and again I was told a supervisor was not available. Someone had stated a theory that a new employee changed the address while working with another customer the teller must have changed the address. Each call I made to the bank the more uneasy they made me. I ended up walking into a location the next morning to get to the bottom of it. The representative I spoke with also stated that the things that took place were very unusual and she would look into and call me back. 
The bank changed my address without my consent, and could not provide the proper information as to why it happened. I felt extermely uneasy about the incident and this organization laughed it off.
Consumer complaint received 2023-09-11
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. (IL)

In accordance with the fair credit Reporting act this company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

As I predicted ( XXXX ) my credit score just dropped XXXX points directly due to Cit 's unwarranted reduction of my credit line. After bombarding me time and time again with offers to utilize my available {$5400.00} credit card, I utilized {$3300.00} to pay off another credit item. XXXX  days later the immediatly lowered my credit line. This will now create a domino effect that can impact all of my credit lines. This I believe is the " intended consequence '' of such actions and it should not be ignored. Please help to make this right. There was no logical reason for them to lower the amount available as nothing else has changed in my income or credit profile. I just want them to restore back to the initial credit limit that i have had for the past XXXX years. Thank you.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Charles schwab BILLPAY was scheduled to send a property tax payment for {$13000.00} for due date XX/XX/year> - the check was delivered on XX/XX/year> - the check was not XXXX postmarked on or before the due date of XX/XX/year> - a penalty of {$1400.00} was assessed by XXXX XXXX XXXX - charles schwab is unable to provide proof of mail-date from XXXX on XXXX before XX/XX/year>
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I asked the the bureau for a full verification of all information on all accounts and they did and I found inaccuracies from my name to fraudulent accounts .according to 15 U.S.C 1681 I all false information should be removed
Consumer complaint received 2023-06-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXXExperian  an XXXX MY SOCIAL # XXXX to obtain my accounts 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.These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
are all unauthorized an have no Permissible use. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on please validate an delete at once
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.
Consumer complaint received 2023-06-09
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. (TX)

XXXX XXXX XXXX manager called Friday XX/XX/09 stated that I signed a contract with them stating that they could report late transactions on my consumer report. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with XXXX ( on an unknown date because my consumer report is showing two different dates ) this was all done online. I had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision when there was no evidence of indebtedness, the only evidence of the debt was the agreement but because of the uniformed decision that agreement is null and void. 

1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXXXXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX permission which is another violation.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Under the complaint XXXX... I have new evidence of the bank statement from the lender confirming that the information Equifax is reporting on their website is incorrect and it should be {$2000.00}. This should be update within 10 days. Please see attcached bank statement from XXXX below.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (NC)

Purchased XXXX XXXXXXXX XXXX on XX/XX/XXXX from XXXX XXXXXXXX in XXXX, NC. The vehicle was financed by XXXX XXXX XXXX total amount finance XXXX. The first XXXX payments was made in the amount of {$700.00} but the balance owed never changed. Even when Im late I pay the regular payment & late fee, but the amount applied varies. I been making payments but still owe over {$24000.00}. Something not being calculated properly. If I try to trade the vehicle it will have me negative of {$14000.00}. I need help in getting my account accurate.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this letter on my own behalf. 
I've received a copy of my credit report and found the following items to be in error : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC section 1681i ( a ) must complete the re-investigation within 30 days and provide me a copy of the original creditor 's documentation file, to verify this information is mine. Furthermore, FCRA section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) states that the original consumer contract must have my signature. If no proof otherwise, section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.