davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

This company has a very large name 's list for collection purposes, such as Resurgent, LVNV Funding LLC or XXXX XXXX XXXX to attack the U.S. population. They buy debts not able to be sold by Original alleged creditor and then start the attacking tactics avoiding all kind of validation of said debt. Then they report to the credit bureaus HOPING this will make the U.S. Population to pay a debt that is illegal to collect to begin with. They also hope for the derogatory mark to stick, but it won't. I'm not the one to play with. 

XXXX try to collect these alleged debt by sending emails ( XXXX to be exact ) is the name that comes up on the emails. Then they act like they are the legitimate creditor just because they paid XXXX  over XXXX  from the alleged original creditor. Such of pile. 

This account was open as result of identity theft and they need to STOP trying to collect on it because I WILL NEVER pay them. They can take screenshot, record, do whatever the XXXX  they want and then sue me to try to make me pay. Baby, You will never collect a XXXX  and this is a promise I will keep. 

You can't come at me and try to make me pay a debt you bought yesterday. You need more than that. Maybe the XXXX, or XXXX  behind their keyboard will get mad enough and retaliate, XXXX. I'm counting on a reaction. I will contact every single federal and state agency and dispute this alleged debt, if this debt stays on my credit file you will have a dispute every other day on your desk from every single agency until you drop it or finally get sued by me.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please accept this as a Qualified Written Request for copies of any and all Trust Instruments related to XXXX   XXXX XXXX XXXX, Section 1 having a street address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX and effective XX/XX/XXXX - XX/XX/XXXX. For purposes of this Qualified Written Request, the request trust documents are defined under N.C.G.S. 36C-1-103 ( 21 ) Trust instrument. - An instrument executed by the settlor that contains terms of the trust, including any amendments to the instrument, and any modifications permitted by court order. Thank you - XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-15
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. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX 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 XXXX  days gives a reason to immediately remove those items on my credit report it has been over XXXX  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 data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-04-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX 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 2022-08-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

The only mail I have received was the beginning of the year in XX/XX/2022 of a collection debt from a XXXX XXXX XXXX of {$1800.00} I have written a dispute letter yesterday and sent it off. and I have asked multiple times to send out a itemized Billing and they wont. I have called today and was threaten that I have a court date in XXXX over {$2000.00} of being sued. Again, wont tell me everything that I owe and wont break down costs. Asking me personal questions about where I work and if I still work there and if I own property or a home. I have paid them {$500.00} today as of XX/XX/XXXX, XXXX and I havent received anything yet in mail of any type of receipt or anything. I have never been in this situation before. I honestly thought my insurance had covered it all through my hospital. But I havent received anything else by mail of being sued and requesting payment. I also dont recall giving them any permission to contact me or look at my medical records and my personal info. Thats a violation. And also had to find out by phone call today that I was being sued and will be served soon and was asking me questions about my work place. And yesterday I received a letter in the mail by an attorney saying I was being sued.
Consumer complaint received 2023-04-06
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. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

i wanted to remove my credit card number from Experian.com. There is an option to change your credit card but no option to delete your account. Additionally when I changed my password, I discovered that their online security is very weak. 

I expect much more from Experian
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Nelson Cruz & Associates LLC (WA)

My grandmother, who suffers from XXXX has been continually harassed by this so called debt collector ( I assume this because of the tone and threat of legal action, and after looking up who they were ), my grandmother had handed me the phone to talk to these people, knowing that there was nothing she can do considering my grandmother is a social security recipient, and that is her only income, and noticing the call had lasted for 40 min and was currently on hold, I hung up. The lady on the other line, immediately called back and initially refused to talk to me and asked if I was an attorney, I informed her no, that I am a family member and that my grandmother, XXXX XXXX, was going to give them permission to talk to me, at which point the lady on the phone got noticeably more aggressive and said they were then going to take legal action against my grandmother and hung up the phone. Their threatening use of debt collection practices disturbes me, as I am actually a former collector for a major bank and her behavior on the phone and lack of professionalism is something that is not needed, and mostly illegal in that industry.
Consumer complaint received 2022-08-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

Nationstar/Mr. Cooper finances my home. During hurricane Irma I suffered extensive damages, {$130000.00} to be exact. After a year and a half of trying to get this forbearance and modification complete I was finally approved for a loan modification ... .at the same time I settled my suit against the insurance company. 

While waiting for checks to pay the house off and start the repairs I applied for a {$5000.00} loan to tarp my roof so it doesn't fall in and have further damages and was turned down ... .BECAUSE NATIONSTAR/MR. COOPER HAS RUINED MY CREDIT. I was told that there is a derogatory report from Mr. Cooper on my credit that has ruined me. All because the whole state of emergency and hurricane damages, and they told me NUMEROUS times that this WOULD NOT AFFECT MY CREDIT!!!!! I have that on paper and recordings. So me and my XXXX son are out of a house because I can not protect it as I CAN'T GET A LOAN. The settlement has been canceled and they have have the house and the {$130000.00} worth of damages. I'm done. I've been approved for a loan modification but I've been late on my payments for over a year???? How exactly does that happen? Don't you think that had I NOT made my payments on time and in full that I would NOT have been approved for a loan modification?????? Well, I was, last month, XX/XX/2019. And how do I have {$220.00} of UNAPPLIED FUNDS but I'M BEHIND ON MY MORTGAGE??????
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MT)

When I applied for PSLF Mohela denied the payments I made when working for a previous employer even though the website says that this is a qualified employer. When I sent emails I received a generic automatic reply that did not address their error. When trying to call them about this error I was on hold for XXXX XXXX hours! Only to be told by the customer service rep that she couldn't answer my question either. It took several calls to even get someone on the phone. I finally had to put my information in incorrectly before I was finally routed to a person. 

These loan payments are causing me financial difficulties and it is frustrating when you can't get them to correct their own errors!
Consumer complaint received 2016-03-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Cornerstone Home Lending Inc. (TX)

I requested a deed in lieu with Cornerstone mortgage in XXXX of 2015. I was instead sent paperwork for short sale however the house had been listed from XXXX 2015 until XXXX 2015 which is more than the required 90 days and provided documentation to that effect. I have sent the deed in lieu packages certified mail at least four times as recently as XXXX XXXX per the request of a Cornerstone representative only to be told by another representative on XXXX XXXX that full sets of documentations have never been received and as a result, the property is scheduled for foreclosure. She went on to acknowledge that although my latest package was signed for on XXXX XXXX, Cornerstone did not record receipt into the " mixed mail '' bin until XXXX XXXX and in the interim my file was closed. Further, she requested that I send yet ANOTHER package in order to have my file reopened for deed in lieu consideration. I have made numerous calls to Cornerstone 's loss mitigation department and each time I have been told that I am not allowed to directly speak with the underwriter and that my request will be changed from a short sale to a deed in lieu request. With each phone call and representative I speak with the story changes regarding which documents are required. 
I feel like I 'm in a situation similar to the movie the XXXX, where the insurance company continues to acknowledge/deny the request until the patient dies.
Consumer complaint received 2022-08-16
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. (NC)

On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXX XXXX  Account Number : XXXX Amount : {$6500.00} REPORTED BY XXXX AND TRANSUNION Amount : {$7800.00} REPORTED BY XXXX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL 3 CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-11-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (CO)

I took a vehicle loan out with Compass BBVA over 2 years ago and have always made my payments. Earlier this year there appeared to be an issue with my insurance renewal not meeting the correct coverage and Compass decided to take their own insurance out on the vehicle. They did this without ( i ) notifying me ( ii ) informing me that my existing insurance did not meet their requirements ( iii ) providing any evidence whatsoever that a policy had been taken out ( iv ) with exceedingly expensive premium ( way above any normal insurance cost ) ( v ) without any regard to the fact that I already had insurance and account for the money already spent. I was contacted by Compass BBVA on the XXXX Septemebr 2016 to make a payment on account, at which point I queried with them the additional costs. I refused to pay the additional cost and placed the item in dispute for someone to call me back to discuss. Instead I paid the normal monthly installment so that it would not affect my credit. No return call was made. I then made a further call to discuss the matter and customer services could not locate my account due to an error in administration when inputting my social security number. I was therefore not able to discuss the account further. I then filed a complaint with Compass as to why I could not discuss my account with anyone. After their investigation they apologised for inputting my social security information in wrong, I 'm amazed that they could not locate my account information by anything other than my social security. Still to do this day I have never been contacted about this other than to demand money yet they have gone a placed a late payment marker on my credit profile. This is an absolute disgrace. Please assist with this issue. A late payment marker should only be applied to an account that has its normal monthly installment late, not when the installment has been made and an item that does not relate to the contractual sum is placed on the account and then disputed.
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NC)

In XX/XX/XXXX, I purchased a bike at Zero percent interest for 12 months from XXXX XXXX   and is XXXX XXXX  XXXX  total is {$2100.00}. Then XX/XX/XXXX, I purchased another bike and the terms were 6 % at 36 mos and the total was {$2900.00}. So, I made payments in XXXX, XXXX and XXXX of {$200.00} each month. The balance is roughly {$1600.00}. Anyway, XXXX is applying funds and fraudulently putting money, how it sees fit. I have sent them a total of {$3300.00} as of XX/XX/XXXX of an initial purchase of roughly {$4500.00} total. 
I was told in XXXX, the remainder was {$1100.00} and XXXX adjusted it to {$800.00} after paying {$300.00}. To see XXXX statement put the balance at XXXX.Once again, what is said, is different than on the statement. 
In XXXX I made a payment of {$500.00}, ( the zero percent purchase is only getting 5 % of the remainder ) as well as an additional {$350.00}. The zero percent still has a balance of {$700.00} and is threatening to charge me {$750.00} if not paid for by XX/XX/XXXX. The rep stated in XX/XX/XXXX, the remainder was {$670.00}, statement arrives with different numbers. 
I have called them twice in XXXX, four times in XXXX. 
Every month they manage to lose {$20.00} or more on my account.
Consumer complaint received 2023-04-06
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: VW Credit, Inc (NY)

I bought out me leased vehicle through Audi Financial service in beginning of XX/XX/2023. After weeks passed I called regarding title status. They told me that they were changing title company 's and there was a 4 week delay. I have called and used Audi care website over a dozen times and to date still no title.
Consumer complaint received 2023-04-06
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (AL)

On XX/XX/2019 my credit was fraudulently ran twice from this agency without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX   because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Consumer complaint received 2023-04-06
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. (FL)

I reached on in the month of XX/XX/2023 to have some accounts that were reporting inaccurately on my credit report removed. I am very familiar with the laws in which governs these credit reporting agencies to report facutal data when it comes to my name. 

The list of accounts which they are knowingly reporting inaccurately are the following below : 1. XXXX XXXX = Inaccurate ( HIGH CREDIT, DATE LAST ACTIVE, DATER OF LAST PAYMENT, DATE LAST ACTIVE. 

XXXX. XXXX XXXX Inaccurate ( DATE LAST ACTIVE ) 3. XXXX XXXX XXXX  = Inaccurate ( CREDIT LIMIT, DATE LAST ACTIVE, DATE LAST PAYMENT. 

4. XXXX XXXX = Inaccurate ( BALANCE, PAYMENT STATUS, DATE OF LAST ACTIVITY. 

5.XXXX XXXX = Inaccurate ( PAST DUE, DATE OF LAST ACTIVITY, DATE OPENED 6. XXXX XXXX = Inaccurate ( BALANCE, DATE OF LAST PAYMENT, DATE OPENED, NUMBER OF MONTHS " TERM ''. 

7. XXXXXXXX XXXX = Inaccurate ( MONTHLY PAYMENTS, BALANCE, PAYMENT STATUS. 

8. XXXX XXXX  = Inaccurate ( ACCOUNT INFO ) EQUIFAX AND XXXX REMOVED THE ACCOUNT BUT SOME HOW XXXX IS STILL LISTING ERRONEOUS ACCOUNT )
Consumer complaint received 2019-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I had a Paypal claim filed against me that was related to an XXXX  transactionfrom 4 months ago. We have a high degree of suspicion that this is a fraudulent claim. Rather than resolve this issue with the facts, PayPal deducted the full amount from my XXXX account and told me they had resolved the issue in the fraudsters favor. I foolishly thought that the dispute was still under investigation. With the PayPal system, I have zero ability to stop this transfer ( XXXX was singularly unhelpful- after 35 years with the same bank ) and XXXX simply does whatever PayPal wants. This is an unholy alliance of too big to fail financial institutions that take advantage of the consumer. Please help me in this matter.