davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 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
Consumer complaint received 2023-07-31
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: DISCOVER BANK (CO)

Hello, Since XX/XX/XXXX, Discover Bank has continued to report inaccuracies on my credit report to the bureaus. I have tried multiple times to resolve this with Discover 's Fraud team who knows that this account had severe unauthorized activity and the account was closed due to it being compromised. Even though Discover closed the account due to unauthorized activity and fraud- they never conducted an investigation into the transactions to get the funds back and they are reporting it as my debt. I only had a balance of XXXX on my Discover Card that I had access to and they are reporting over XXXX to the Bureau 's which is impossible because that is 3x over the spending limit that I even had. They are stating that it will stay on record until 2029 which is very unfair. I have no issues with a lot of other credit cards, loans, etc that I have paid off or am working to. However, this balance is vastly inaccurate and it is ruining my ability for future credit cards, applications on apartments/houses, banks, etc.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

So, I get back from 6 years in the XXXX. Before that I spent 6 Years as a XXXX. Although I am no longer on XXXX, and from this point forward I will be addressed as such and that will show me, and well demonstrate your respect for my service to you and our Country. 
Recently, XXXX XXXX 2016 my Mortgage was sold from XXXX to Nationstar Motgage. Nationstar, apparently, by some unknown method obtained a debit writing from XXXX and fraudulently used that debit writing to portray to my bank that I had given authorization to Nationstar Mortgage to withdraw ACH Electronic funds from my bank account. Nationstar did this 5 times even though I called them and asked them to stop. The only way I could get Nationstar to stop was to make written complaint at my bank and stop them by electronic means. I called Nationstar, to ask them why they were taking electronic funds when the Note is very specific about the 3 forms of acceptable payments and ACH Electronic debit transfers is not one of the 3 forms of acceptable payments. I told Nationstar that if they would send me something in writing, that they would accept the ACH transfer in lieu of the acceptable forms of payment ( cash, check, or money order ) and there would be no back charges of any kind, I would allow them to continue to debit the account electronically, but Nationstar refused. 
As I looked over my note, I noticed that there was a problem with the Borrowers Covenant, so I sent Letter and E-mail, No response - No action. I sent complaint Letters, request letters, and demand letters only to receive a computer generated letter response that promised some response at some future date. When I call Nationstar no one there can answer my questions, not supervisors, not the Customer relations personnel, nay, not one person there can answer even the most basic question. 
I have asked them for a payment coupon with my statement so I can from time to time make extra payments, but no, even after months, no payment coupon. I have to go searching for numbers and past invoices to get address to post the check. 
Because of all of this, when I am in honor, with my loan, never late, paying ahead, much more equity in the property than debt ; I do feel something crooked is going on here. I feel that Nationstar is acting in Bad Faith ( with cause for action ), trying to dispossess me of my estate to realize the extra gain of profits, instead of sending me a statement with payment coupon so I can pay monthly, on time, as I have always done. 
I have tried to work with these people, but they have no honor. They refuse to honor my service by addressing me by my well earned and given title of XXXX. They refuse to answer any of my questions, save 1, they did give me one answer, but I have asked many questions without response. I expect better, I deserve better, and I will receive better treatment. I have a RIGHT to expect better and I will enforce that RIGHT to the full extent the Law will allow. 

Respectfully, XXXX
Consumer complaint received 2015-05-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Assigned Credit Solutions (AZ)

Debt collector trying to collect for a hospital XX/XX/2010. My husband has never been associated with this hospital for medical. We live far away from XXXX. Collector claims there are XXXX bills totalling less than {$300.00}. My husband is XXXX yrs. old on XXXX and XXXX for Life as an XXXX veteran. We rarely pay out of pocket for medical expenses as are fully covered by his military service. I was phoned this past week by the collector. Friday is the deadline if he does n't pay. We have no idea what the procedure was for or by whom in the hospital. We always pay our bills on time, so perplexed why we were never billed if legitimate. I wo n't pay this without not knowing what it is for itemized. Can you help us in finding out if this is legitimate? We do n't really know what to do without proof. We would gladly pay the bill if we knew what it included. Thanks.
Consumer complaint received 2022-11-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CrossCountry Mortgage LLC (NC)

The notice that I received on XX/XX/2022, did not meet the standard required by federal and state law for a debt collector to send a written notice containing : a. the amount of the debt ( 1692g ( a ) ( 1 ), b. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 1692g ( a ) ( 3 ), and c. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor ( 1692g ( a ) ( 4 ). 

Despite the failure to provide the above, XXXX XXXX XXXX XXXX XXXX XXXX gave notice stating that unless I pay the alleged debt in full including attorney fees, there would be a Non-Judicial Foreclosure on XX/XX/2022. 

I am in the process of sending to XXXX XXXX XXXX XXXX XXXX XXXX a " NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT '' notice. Whereas, I expect according to the Consumer Protection Law of the United States Code, verification and validation so that I can consider a resolution if applicable. 

I dispute this alleged debt, until verification and validation has been fulfilled in accord with the above notice, by the law office of XXXX XXXX XXXX XXXX XXXX XXXX ( debt Collector ). 

Thank You
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I am a loan officer. On or about XX/XX/2020 my borrower was told by the builder/seller that if he used their lender he would receive a {$5000.00} closing incentive. He was told he would not get the incentive if he used his own lender. Naturally he used the builder/sellers lender. Her name is XXXX XXXX, NMLS number XXXX. She works for Loan Depot. Address : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, California XXXX. I have supporting documentation consisting of the Loan Estimate showing the seller credit and the purchase contract stating that the incentive is only good if my borrower used the builder/sellers Loan Officer XXXX XXXX.
Consumer complaint received 2023-06-29
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: TOYOTA MOTOR CREDIT CORPORATION (VA)

Well According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This has not happened. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure all my private information isnt shared at all. which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. 

XXXX XXXX XXXX  and XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. 

XXXX XXXX XXXX  and XXXX XXXX the financial institution and the Consume Reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Plus XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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 This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( a ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

According to the 15 U.S Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681 of this title. 

XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX put me in for a loan through Wells Fargo, where I banked at the time. Wells Fargo pushed through the loan for close to {$30000.00} for a 2019 XXXX that already had over 50,000 miles on it. They never made me produce 6 months of my bank statements which would have shown that I did not qualify fir a loan of this magnitude. I am on XXXX, and worked as a XXXX XXXX XXXX at the time. I don't make enough money to have qualified for this loan. I can not refinance as the vehicle is only worth {$17000.00}, and only in Fair Condition.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

I opened this account to deposit money, earn an opening credit, and receive monthly interest. When I recently logged in to check the interest earned for tax purposes, I was shocked to discover that Citi had not paid the interest but instead paid themselves {$12.00} per month without my permission. They never sent any notice informing me that they would be removing these amounts from my account. 

There is absolutely no excuse for Citi to pay themselves for the luxury of using my money and thinking it's acceptable to hold my funds without paying interest. They are not entitled to free money. They must pay for the right to borrow my hard-earned money. 

Citibank must immediately return the money they have stolen from me and pay the interest owed on the money that was in the account. They have been engaging in this unethical practice for a year and have failed to pay the interest that is rightfully due to me. This is completely unacceptable, and I demand that Citibank rectify this situation without further delay. 

The account number is XXXX XXXX XXXX and the original billing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2024-04-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex gift card. I checked the balance and validated the card. I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX  # /account and shows a balance. I attempt to use this on XXXX. And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2023-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (NC)

So I never received any notices in the mail about this bill. I kept receiving calls and emails constantly and still receive calls. The last time I paid was XX/XX/23 through email even when I did pay they constantly contacted me. I eventually came to the realization that I shouldn't pay for a medical  service that I didn't authorize. I was admitted without my consent. For XXXX XXXX and I eventually called the debt collector explaining this and there is no way I was able to pay for this or was even XXXX XXXX to handle this. I asked them would you pay for something you didn't ask for or denied? And I said I was forced to be admitted by a police against my will and was given a bill for a service I didn't ask for. I said I couldn't pay for it because I was the only person brining income into my home and my family was growing, I said this was unfair and holding me accountable for something i didnt ask for and they basically said that they couldn't do anything about it and that they could only hit my credit once which it was more than once since I stopped paying. I dont understand how they could force a bill on me when I didn't ask for it.
Consumer complaint received 2023-03-07
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Many years ago I set up overdraft protection on my USAA checking account with my savings account protecting. I have never had to use the overdraft protection in the 20+ years until recently. I was a little short on a bill and my HOA was told there was non sufficient funds. 

When I called USAA to find out why I had non sufficient funds when I had overdraft protection. I was informed that my checking account was only protecting my savings account. Not the way I told them to set it up. Why would I set it up that way when I write checks every month and I only add to my savings account? I know I wouldn't do that. I was charged a returned check fee from my HOA. I have been unable to reach a supervisor from USAA to discuss.
Consumer complaint received 2022-10-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

XXXX has been providing inaccurate credit report data to lenders upon request, that contain data that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS ; Such as, ( FALSE REPORTING - " BANKRUPTCY/PUBLIC RECORD '' ) when neither exist on my credit report! 


XX/XX/2023, JPMCP pulled my report and I did NOT receive any alert or reference number. An error message of " can not process, try again later '' appeared after my request. 
I was not aware this inquiry had been actually processed due to the error message and lack of notification, reference number nor alert from JPMCP nor XXXX, and it's being hidden in Plain sight. 

The inquiries on my file are listed in chronological order EXCEPT JPMCP which should have been the first inquiry listed, but instead it is listed between the months of XXXX. Although, it's XXXX and the last inquiry requested this year. 

Upon calling JMPCP for further information about this inquiry, I was then informed the request had been DECLINED for several reasons such as : Too many inquiries, PUBLIC RECORD / BANKRUPTCY and several other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. 

XXXX is also screening my calls. Unable to speak with a live agent. Automated system claims my information ( ssn and zip code ) does not match, although it does. 

XXXX claims their company only provides reports to lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND AN AVERAGE CREDIT SCORE in the upper 600s, based on INCONSISTENT BASIS OF APPROVAL. 

Violation of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866.

My score, TAMPERED WITH, also dropped XXXX XXXX from this " hidden JMPCB inquiry '' resulting in a DECLINED NOT DENIED APPLICATION.

I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN {$900.00}.

I WOULD NOT HAVE SO MANY INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as, REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by XXXX. 
EACH TIME I submit a request FOR CREDIT. 

FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by XXXX and others to the point of exhaustion!

Bureaus should be REQUIRED to have more EFFECTIVE laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (GA)

I signed for a option trading course with XXXX XXXX XXXX in XX/XX/XXXX which they charged {$2900.00} paying, I paid {$600.00} Down and {$86.00}. a month. I invested {$5000.00} to start my account they claimed a 68 % successful trades. The trainer and owner XXXX XXXX recommended trades each day. I wasn't having success. Got a call from ( XXXX ) convincing me to come to XXXX and train, they guaranteed I would make money after the training. 
Went to XXXX on XX/XX/XXXX with about 8 others from across the US. Complete waste of time I also learned he did not research for a trade just pull I informed them I was not happy and wanted to cancel. I was told I owe the balance. Omega RMS is the collection Agency. OMEGA said I owe {$10000.00}, for a debt I signed for {$2900.00}. On XX/XX/XXXX I sent a certified letter requesting document that state I signed for a {$10000.00} debt. I moved to XXXX did not get the mail call and advised Omega to resend the information gave correct address. Received the mail nothing about the sum of {$10000.00}. only signature for {$2900.00} debt. I am attaching the copy of mail I received.