davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
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. (NV)

XXXX  credit reporting refuses to remove invalid unathorized items from my credit report this issue has been mentioned numerous times still this credit reporting agency and XXXX refuse to remove invalid unathorized charges that doesnot belong tome and invalid remove from my credit report?
Consumer complaint received 2022-05-26
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)

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Account : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-05-26
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (VA)

My aunt passed away in XX/XX/XXXX. It is now XX/XX/XXXX. She had a reverse mortgage that was being serviced by NOVAD Consulting. I have been in contact with them for months in attempts to take over the home. The last time I heard from them was around the beginning of XXXX. They sent out an appraiser to gauge the value of the home on XX/XX/XXXX and I haven't heard from them since. 

They've said you have a certain time limit after your loved one 's death to get all of this done. It's been almost a year and I have not gotten anywhere with this. There are multiple emails and correspondence that we've sent back and forth. I can't even count them all. I first reached out to them on XX/XX/XXXX. Our last communication was Tuesday, XX/XX/XXXX. Since then I've sent XXXX emails to them because reaching them by phone is impossible. The wait time is hours long and they encourage you to send emails. I don't know what else to do but I refuse to lose this house because of their negligence.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am aware that Santander Consumer USA Inc are in noncompliance with The GrammLeachBliley Act which can be fined up to {$100000.00}. 

I, XXXX XXXX, Consumer are also putting Santander Consumer USA Inc on notice as of XX/XX/2022 of Cease and Desist pursuant to Federal law 15 U.S. Code 1692c ( c ). 

Best regards.
Consumer complaint received 2017-07-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

XXXX   XXXX   & Knig ht Adjustment Bureau are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Other — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Opened up secured visa account with Fifth Third Bank. I was told only XXXX credit report would be pulled on my credit file. Fifth Third Bank Credit Department as well as XXXX XXXX XXXX, Assistant Vice President, XXXX Manager XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, Illinois XXXX. NMLS # XXXX. Telephone number XXXX. Fax number XXXX XXXXXXXXXXXX, assured me only XXXX credit report would be filed. On XXXX XXXX, 2015 a credit report was pulled, then on XXXX XXXX, 2015 an additional credit report was filed without my authorization or my signature. I contacted Fifth Third Bank, immediately, to have the issue resolved. To this day XXXX credit inquiries still remain on my credit files. I contacted XXXX Credit Bureau, to find out what the procedure was to have Fifth Third Bank, remove the XXXX unauthorized credit inquiry. XXXX XXXX Credit Bureau, stated to me, Fifth Third Bank needed to write a letter stating that XXXX of the credit reports was in error. Of course, Fifth Third Bank, as yet to follow the process and continues to violate my fair credit rights. In addition, I, XXXX XXXX XXXX XXXX have written XXXX - XXXX letters to the attention on XXXX XXXX XXXX, as well as made numerous telephone calls requesting to have the unauthorized credit inquired removed. But, to no avail, I have not had any success in having the unauthorized, unsigned credit inquiry removed. I have been getting nothing but the run around, costly expenses of my time and effort. The unauthorized inquiry cost me XXXX points, costing my credit score damages. Fifth Third Bank is damaging my credit report, by making my credit report appear as if I applied for XXXX different loans, which makes another lender look as if I am shopping for loans and being denied. This is a federal violation, against my fair credit act.
Consumer complaint received 2019-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (NY)

I went to purchase a vehicle at XXXX XXXX cars on XX/XX/XXXX I was initially charged XXXX for the vehicle but after I got my first billing statement for the car I realized that the monthly payment didnt reflect on what agreed to which was {$270.00} the new monthly payment is XXXX I went back on the bill of sale and realized that I was charged for an unauthorized warranty which cost XXXX which caused an increase in monthly payment not only this I have a copy of the warrant that I didnt signed! But I was still charged
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA defames my name reporting to CRAs & CFPB that I reported XXXX XXXX. {$120.00} Fraud in XX/XX/XXXX with allegations of me trying to collect rfunds not due me reporting fraud on A RETURNED ITEM. And .... THIS IS A LIE! see attatched letter of XX/XX/XXXX TOP READS FRAUD CLAIM INVESTIGATION RESULTS and says We have completed our investigation of the following CREDIT CARD ( TRANSACTION ) and gives a Transaction date of XX/XX/XXXX NOT A CLAIM DATE It further says The credit we deposited at the beginning of the investigation HAVE BEEN REVERSED. They were reversed XX/XX/XXXX NOT THE SAME MONTH THEY WERE PURCHASED XX/XX/XXXX. see attatched letter XX/XX/XXXX TOP SAYS CREDIT CARD FRAUD ( CLAIM ) with a Claim date of XX/XX/XXXX USAA PLEASE INFORM THE CRAs you were wrong to clear my name. Please retrain Ms XXXX and ALL THE OTHER too numerous to mention that have lied to me for 2 years so this does not happen to others.
Consumer complaint received 2020-02-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TN)

My mortgage servicer changed from XXXX to BSI Mortgage. I was making my mortgage payments to XXXX mortgage and the mortgage was current. Servicer changed to BSI Mortgage.Mortgage payments that XXXX retained in their possession for XXXX and XXXX and was never forwarded from XXXX to BSI. I have spoken with XXXX and BSI several times on this matter. BSI states they never received my mortgage payments from XXXX. BSI is charging inspection fees and interest for payments that I have already paid. The fees are excessive and is causing my mortgage to go in default. I have spoken with BSI several times and emailed them copies of my bank statements reflecting the payments.
Consumer complaint received 2022-05-26
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: TD BANK US HOLDING COMPANY (FL)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, 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 an auto loan account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I previously entered a modification in the past and no one explained to me that there would be a balloon payment due for XXXX. Currently the balloon payment is due and I do not have the money to pay for it. They are currently threatening me that my house will enter foreclosure on XX/XX/2020. I am worried I will be losing my home.
Consumer complaint received 2022-12-19
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)

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. Account name XXXX Account number XXXX XXXX has violated my rights. Account name XXXX  XXXX Account number XXXX, has violated my rights. Account name XXXX XXXXXXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has 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 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 2022-05-26
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has 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 a account without my written instructions
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had an unauthorized charge on my card. I reported to the bank and company. I filed a complaint with CFPB. Bank credit my account then two months later without noticed reversed the charges over drafting me account. Bank is charging overdraft charges and deducting the unauthorized amount from my account. 

Spoke with company that charge my card XXXX, they said they refunded the money to my card in early XXXX.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has 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 a account without my written instructions
Consumer complaint received 2020-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

In XX/XX/XXXX I was notified from Superior Court of New Jersey XXXX XXXX XXXX New Jersey for a credit card balance Docket DC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency XXXX XXXX XXXX XXXX XXXX. with Pressler & Pressler , L. L. P. P & P File XXXX it is Pressler & Pressler ( now Pressler , Felt & Warshaw , LLP ) file. I went to Superior Court in New Jersey, XXXX County to answered that lawsuit. Therefore, few years ago I called XXXX to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to Pressler & Pressler for {$500.00}. Also, Pressler & Pressler harassments a customer from credit cards made business with bad manners to get wealth. Pressler & Pressler harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX City knocked my door in my house. The Sheriff come to my home because Pressler & Pressler Now Pressler , Felt & Warshaw , LLP pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that Pressler & Pressler ( Now Pressler , Felt & Warshaw , LLP ) This account is from XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Company =  Nelnet.    XXXX  My husband is  XXXX   XXXX  military. We married while I was attending the school for which these loans were obtained. The loans are at a 6.75 % interest rate. I would like to have the loans reduced to 6.0 % per the  Servicemembers Civil Relief Act. We contacted Nelnet on   XXXX  at  XXXX , they informed us that spouses are not eligible. However, on the  SCRA we bsite it notes that all dependents are eligible. Thank you for your help.
Consumer complaint received 2021-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is attempting to collect a debt from XXXX bank for an auto shop credit card i paid off on XX/XX/2018, i never paid interest in this account, they gave 6 month deferred XXXX  % interest, i paid off {$1700.00} then. I am being charged for pretty much the credit limit {$4700.00} out of {$5000.00} for a charge i never made nor i approved, the account was sold this debt collector, they have an open law suit and the constantly threatening and harassing. This charges are fraudulent, i had several XXXX bank accounts, i have bought furniture, mattresses, appliances, tires, repaired my car and even financed a motorcycle with XXXX bank, i never defaulted, had late payments and in most cases never paid interest. I opened a dispute on the credit bureaus and the agent suggested to open a dispute with the Federal Consumer protection as well. I hope i can find a resolution to this matter with using these tools and steps.
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2022-05-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have disputed this XXXX/XXXX  on Equifax and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX
Consumer complaint received 2016-02-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (CA)

Received multiple missed phone calls from Debt Collector, they did not leave voicemails. 

I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : XXXX XXXX, PA XXXX. 

I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. 

I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. 

I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX https : //www.fbcs-inc.com/contact/ This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX, but I am not entirely clear. 

Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

As of now, my complaint is regarding the phone calls. 

Thank you.
Consumer complaint received 2022-11-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX has an automated phone response system that doesnt give due dates and says vague statements like upcoming amount due that doesnt match car payment amount. It offers the option to speak with associates who refuses to give you information and only requests payment. XXXX I checked my checking account and noticed I hadnt made a payment and paid immediately. XXXX I was notified by the credit bureau I was reported 30 days late. I contacted XXXX to ask why it was reported after I paid and asked for a supervisor and was told to call back to leave a voicemail but was routed to another agent. I asked for a supervisor again and was transferred to another agent. I repeatedly told the agent that I did not understand the billing because he offered to take a payment for less than the regular payment amount and asked for explanation and he refused to answer and asked for a payment again. I was setting up the payment he requested and asked him to explain the billing and he implied he needed to set the payment before he explained. I called later in the day XXXX in hopes to get a different agent to get an explanation but I got the same agent who said at the end of the day you have to pay. I dont know how far or how much I am past due because they refuse to tell me. I want the 30 day delinquency removed from my credit report because they do not make this information easily accessible or easy for the consumer to understand.