davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

In XX/XX/2021, i submitted a request to be evaluated for loss mitigation with my lender. On XX/XX/2021 my lender provided a correspondence stating that i was eligible to participate in the lender 's " Short Sale Program '' ( attached ). This program would provide me until XX/XX/2021 to sell the property and receive a full deficiency waiver. The correspondence gave me until XX/XX/2021 to accept the Short Sale Program. 

On XX/XX/2021 my Attorney 's office contacted the lender to accept the short sale program and began to market my property for sale ( email attached ). I complied with every request from the lender for documentation and access to the property to complete their appraisal/XXXX 's. 

My agent was able to find a buyer that was very interested in the property. We got a $ XXXX contract executed and submitted it to the lender. The lender stated that they needed an offer of {$110000.00} as the interior XXXX came back at this price ( attached ). The buyer accepted the lender 's increased offer and we submitted an updated contract addendum with an offer price of {$110000.00}. {$100.00} above the lender 's requested value. 

However, instead of the lender approving the short sale. The lender denied the $ XXXX offer, and refused to cancel the foreclosure sale date scheduled for XX/XX/2021. Even thought the lender stated that I had until XX/XX/2021 to sell the property and that they would delay the foreclosure until that date. 

The lender breached the agreement we had by arguing against the stoppage of the XX/XX/2021 foreclosure sale date instead of providing me with the agreed upon timeframe to sale the property. It also adds insult to injury when the buyer accepted the lender 's price to sell the property. It seems the lender was just trying to find a way to get me out of the property by duping me into believing their offer letter. This is straight up fraud by this lender. I should have until XX/XX/2021 to sell the property even if the lender denies a offer prior to that date.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/20XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

This is in reference to complaint # XXXX TO YOUR RESPONSE YOU STATED THAT NO CORRESPONDENCE WAS RECEIVED DIRECTLY FROM YOU PIOR TO THE COMPLAINT FILED THROUGH THE CFPB WHICH IS ACTUALLY INCORRECT! I HAVE THE CERTIFIED MAIL RECIPT AND TRACKING NUMBER TO PROVE IT. WHICH IS ATTACHED. DATED BACK TO XX/XX/2021!! IVE BEEN IGNORED YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B YOU ARE A 3RD PARTY AND I DONT OWE YOU ANYTHING BY LAW. BY LAW YOU CAN NOT STATE THAT I OWE AN ALLEGED DEBT. 15 USC 1692B ( 2 ). YOU FURNISHED THIS INFORMATION WITHOUT VALIDATING THE ALLEGED DEBT WHICH HAS RUINED MY REPUTATION. 15 USC 1692D. I DIDNT ENTER ANY CONTRACT WITH YOU.

YOUR ALSO FURNISHING DECEPTIVE FORMS 15 USC 1692J, WITH FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692E ( 2 ). 

IN MY AFFIDAVIT OF TRUTH THAT HAS BEEN IGNORED UNTIL I PLACED THE COMPLAINT VIA THE CFBP, STATES I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR.MY CREDIT CARD WAS USED TO ENTER THE ORIGINAL TRANSACTION,15 USC 1602, THAT YOU WERE NOT PRESENT FOR. 

INFORMATION PROVIDED BY THE SELLER TO YOU HAS NOTHING TO DO WITH ME, THE NATURAL PERSON, THE ORIGINAL CREDITOR WHEN I REQUEST A VALIDATION OF DEBT 15 USC 1692G THE LAW ALSO STATES An affidavit unrebutted stands as Truth.

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Innovate Managed Holdings, LLC (IL)

Hello, i have a lease with XXXX XXXX XXXX, i called them and asked about pay off letter on my car. Same day a paid my car off. I have a payment confirmation. In few days i called to ask when i will get my title. They told me in 10 days. In 10 days i called and XXXX is out of business. And now there is the company Innovate Auto Finance. They told me i will have my title up to 45 days. But its already 50 days. I called them every day and the keep telling me they don't know what the problem is, Where is my title they didn't know and a lot of different stuff. XX/XX/16 they send me Letter of guarantee that i payed off the car. But i need a title, and i don't know how i can get it because they keep telling me some bs stories
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (OK)

I lived in an apartment complex in XXXX Texas, which we moved out of in XX/XX/XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I received a statement of deposit accounting from XXXX XXXX XXXX, which is the parent company of the complex we lived in. The statement of deposit accounting directed me to pay {$240.00} to XXXX XXXX XXXX/IQ Data. On XX/XX/XXXX, I sent a money order to XXXX XXXX XXXX/IQ Data for the outstanding fees, per Steadfast Management. In XX/XX/XXXX, I received my check in the mail from XXXX XXXX XXXX/IQ Data, with a note attached which reads " As we are unable to locate this account this check/money order to you. Thank You, IQ Data International Accounting Office ''. On XX/XX/XXXX, I wrote letter to both I.Q. Data International and XXXX XXXX at XXXX XXXX/XXXX  XXXX XXXX. In my letters I disputed the increased fees because of through no fault of mine they had charged me interest. On XX/XX/XXXX, I received a letter from IQ Data International , Inc., Account Rep. XXXX XXXX, again asking me for {$250.00}, which was the original debt plus {$8.00} in Interest. I still dispute the interest charges. On XX/XX/XXXX I received an email from XXXX XXXX, Regional Manager for XXXX XXXX XXXX. In her email she admits there was a problem with their transferring of files from her company to IQ Data International. That there would be no negative impact on our credit because there was a 45 day race period. On XX/XX/XXXX, I used my XXXX XXXX XXXX XXXX   debit card and paid the original debit {$240.00} ( I have the transaction in my account statement ). Yesterday XX/XX/XXXX, I received a telephone call from a Representative of IQ Data International who said, I still owed the debt. IQ Data International has killed our FICO credit rating. We want an acknowledgement from IQ Data International that our debt is paid and was paid as far back as XX/XX/XXXX. We want our credit rating restored to it's prior ranking. We want an apology.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Subject : Dispute and Request for Deletion of Illegal reporting of Canceled Debt ACCOUNTS : I am writing to express my concerns that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against your company for violating my consumer rights. 

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. Your company reporting inaccurate information is severely impacting my ability to obtain credit. 

Please delete and update my credit profile with the correct information in regards to the mentioned accounts. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received offers for Capital One credit card for a 0 % interest rate for balances and transfers in XX/XX/2021. I decided to order the o % credit card online and transfered a balance. When I received my first bill I saw interest charges. I called capital one credit card customer service and spoke to an agent XXXX  and explained what b happened. She was unable to help. I asked for a supervisor and was transferred to agent XXXX ID # XXXX and explained the error. She said I received the credit card with 0 % on purchases only, that the balance transfer has a rate of 18 % interest. I explained that wasn't the offer I wanted. Why would I want to pay 18 % when I have exceptional credit. She told me there was nothing she could do. If I wanted to cancel my card I would need to pay the interest rate for the entire promotion which could be almost be {$2000.00} in interest for a {$9000.00} transfer. My credit rating is above XXXX. I feel like this is a deceptive practice ; by not disclosing this in a clear manner resulted in the mess I find myself in. Ib tried calling the corperate office at XXXX XXXX XXXX and asked for XXXX XXXX, who handles complaints. His mailbox was full. The same is XXXX true for the Financial Officer XXXX XXXX, dl mailbox. She I am a senior citizen and can't afford to pay this. Today, I received another promotional offer for 0 % interest on both purchases and balance transfers. This stress is having an impact on my health.
Consumer complaint received 2021-07-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

My Mortgage company : FREEDOM MORTGAGE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Who purchased my mortgage recently Erroneously paid : XXXX County Tax Office XXXX XXXX XXXX XXXX XXXX, TX XXXX On XX/XX/2021 - {$9200.00} from my escrow account. This caused my escrow to go into the negative, raising my monthly mortgage payment that was set in a agreed contract with the original financer. This caused me to lose A LOT of money in savings as I was unprepared for an event like this to happen within the first year of my mortgage. Freedom Mortgage has refused to take responsibility for this and instead has offered to refinance my mortgage with them, which I believe it unethical. Freedom mortgage has refused to contact the XXXX  Tax office in order to get the money back for going on 2 months now, leaving me with an inflated mortgage payment. 

Not only did they XXXX me over, but they did it knowing that the loan was XXXX proptery tax exempt, the reason behind there payment to XXXX  in the first place.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

There is a company trying to collect debt that I do not have at all. They are attempting to collect {$140.00} I have no idea why, do not owe anything, have never seen this, and have not opened any new accounts. 

The company is : SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Greetings, My name is XXXX XXXX, I sent 3 letters to XXXX XXXX XXXX regarding an unverified item listed below, which remains on my credit report in violation of Federal Law. I asked for a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. They never responded, I did not borrow money from XXXX. I demanded proof of a contract signed by me at the time of the loan signing agreement, they were not able to send me any proof. 
I demand that the unverified account be removed from my credit report on Experian Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

XXXX XXXX XXXX has a personal interest in the assets, funds, and property of XXXX XXXX ( XXXXXXXX )., which has it primary office at XXXX XXXX XXXX, XXXX # XXXX, Washington, DC XXXX. XXXX established a business checking account with M & T BANK. XXXX deposited monies into that checking account. XXXX stores its financial information, including account numbers, credit/debit card numbers, and access codes in its secure computer system. Though it was first believed that someone had broken into XXXX safe and stolen its M & T Bank debit card and access code it was later, after a thorough investigation, determined that it was not the actual card that was stole but rather the information on the card, which was stored in XXXX computer system. Specifically, on or about XX/XX/2021 XXXX computer system was accessed without authorization. Financial information was viewed and printed. Consequently, XXXX staff became aware that funds had been withdrawn from its M & T Bank checking account without its knowledge or authorization. A claim was filed with M & T Bank, based on the information available at that time ( which was incorrect in that the actual debit card was not stolen only its information ). On the following day, after M & T Bank received the claim, it denied it without any investigation into the incident. Internal investigation as well as police reports have been filed with the appropriate authorities. There were at least three unauthorized ATM transactions from the M & T Bank checking account. They total approximately XXXX dollars. M & T Bank has denied the request for the return of these monies. XXXX XXXX XXXX has an interest in these monies as she is the owner of XXXX. According, she files this complaint against M & T Bank. Additional details are attached.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-01-30
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. (NY)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2021-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX for all poor Americans. XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Every single businesses and employment facilities as well as consumer agencies when providing employment references and credit line to us Americans. As they happen to judgment of our credit score and our credibility putting all American at great risk. We loose employment opportunities as we also get the turn down of credit line. This longterm unemployment and loss of credibilities of poor people have put us at the very low bottom of society. All business and consumers need to notified by your agency- not to destroy down slowly yet financially circumstance of all Americans as majority of poor public. This is concerning when they docket us down on our credit score and lead us out of the doorway. As for instance my credit score is XXXX, yet at the scale and realm of every other consumer my credit is at XXXX score average. I have send a complaint before, but I didn't receive any responses as what had done about the problem. Contact me either with the mail, or, an email should be sufficient to follow-up about all the matters related. 

We as poor public who happen to pay higher at the end of all transactions. Perhaps if I could have your attention in notifying of all businesses and banks retrieving credit files of potential customers to them- tell of them not to judge of our credibility & trust as one people in that manner they have been doing so far along 28 years. 


Respectfully, XXXX XXXX '' A women lady 's baby women ''
Consumer complaint received 2021-07-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (AR)

I am requesting your help in this matter, due to COVID and losing hours and no stimulus and not qualifying for unemployment we were desperate and sought financial line of credit through money key however we now have realized there is no way we can afford to continue this payment at {$180.00} dollars every two weeks and this not getting paid off for years and the loan bal starting at XXXX and will end up paying three times that, in recent news we have become aware of President XXXX overturning the rent a bank true lender rule and the bank connected with this company was also mentioned in the Congress letter as one of the rent a banks that has went around states laws and using outrageous fee and taking advantage of people during this financial and health crisis, we live in the state of Arkansas which is cap at 17 percent, I am asking for your help in this matter and to have resolutions of voiding their contract and Harassing phone calls due to signed law by XXXX to protect Americans from such illegal money scams
Consumer complaint received 2018-06-29
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: Southwest Credit Systems, L.P. (VA)

I have reached out to Southwest Credit Systems L.P. on multiple occasions to let them know of a fraudulent account under my name and social security number. I asked them to furnish me with an detailed list of billing, showing what items I was supposed to be charged for and I was never recieved any information from them after 2 calls about this. I have NEVER have used this account and these charges are fraudulent!!! The company removed all charges from my credit history previously and after I resolved this charge it appeared again after months of being in dispute with this fraudulent company. I want this item removed from my credit report once and for all and I want a letter to be furnished showing that this is a mistake because this is hindering my able to obtain credit at places and last resort is to pursue legal action to have these items removed.