davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

First My name is XXXX XXXX and I am a victim of fraud from Seterus a company expert i lying and defrauding people. I am not on any mortgage note and the mortgage on my property is a fraud and Seterus is a Plaintiff that organized the vandalize the fraud the looting, theft of my property totaling {$260000.00} that they will pay one way or another. The confirmed that they reply but they are lairs with no respect for law and humanity. They never respond to any question and they are an embarrassment for our society. The biggest lair of this company is a cover-up artist luck a person with no knowledge of banking a person so confused that he can never make the difference between a fraud an a real mortgage I am a banker and the knowledge of this cover-up artist is only on how to lie to people and defraud them What is next they will put contract XXXX to XXXX my family too and reply toXX/XX/XXXX that they reply and the case is closed This company defraud people and lie without any shame. I will never stop until I get back my property Is the obligation of CFPB to close down such mortgage service provider since more people will lose their property to lies provided by this horrible service provider.??? Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. 3. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XX/XX/XXXX. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 


XXXX XXXX XXXX XXXXXXXX. {$0.00} Acct # : XXXX
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX 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 2016-04-02
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

these collector they have been using bad tactics, ant on top trying to intimidate me, and also they have been REAGING those accounts, some time ago almost loss my job because they were even insulting the secretaries, I want to get off of this the only thing they trying to do is TO RUIN my life, it is very sad.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I live in a senior community and i qualify for HUD. I received a letter from HUD on XXXX XXXX, 2022 that their company was cyber attacked and ALL my personal info was taken from HUD. I had 4 accts affected by who every stold my money because of HUD. I am trying to get my {$500.00} from 53rd bank for a unauthorised transaction. I have always checked my bank acct everyday to make sure no one has gotten into my accts. When the {$500.00} was pending for 3 days 53rd Bank stated they could not stop the pending {$500.00} transaction. I want my {$500.00} back from 53rd Bank. 53rd requested the letter from HUD which i did send to 53rd bank e-mail. Why do i have to wait so long to get my money back. I am still waiting for a new 53rd bank card. Was told can take 10 days to receive my new card. I can not pay my bills without that card. Thank you
Consumer complaint received 2024-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

For weeks I have been trying to withdraw funds from my savings Marus account but I keep getting an error and can't withdraw funds. I called on XX/XX/2024 at XXXX and a rep answered the phone and I told her that I was having problems withdrrawing funds from my savings account and she without saying anything put me on hold and left me talking on the phone while she was typing. About 10 minutes later I get this recording saying : tell us how you rate the service you received. And that was it. Nobody handled my call and nobody cared to talk about my Marcus account. I know Goldman Sachs has been having some issues with some customer accounts in the consumer banking operations but this issue has to be fixed. GS is a great bank and of the best in the world but this type of issues will give the bank a bad reputation. I assume customers are noticing issues with this department and started withdrawing the funds and now GS has stopped customers from accessing the funds. I need to be able to access my account but keep getting the same error to try later. I have tried for weeks but my account has been frozen. Please fix the issue immediately.
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Direct Cash LLC (TX)

I want a hard copy of my Loan documents. They are refusing to email or send. I am having problems signing in their system. However I should still be able to get a hard copy sent regardless. That is my issue.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (OH)

Communicated with the consumer in prohibited manner Used harassing, abusive, unfair, deceptive collection practices prohibited by the FDCPA including false representation and deceptive means to collect or attempt to collect a debt or to obtain information about consumer Furnishing Certain Deceptive Forms No one may design, compile, or furnish any form that creates the false impression that someone other than the creditor ( for example, a debt collector ) is participating in the collection of a debt.

Threatened specifically in writing to accept the offer to settle alleged debt to stop harassing phone calls.

Original creditor sold information to three third party agencies to collect alleged debt which is in violation of FDCPA fair practice act in addition to harassment.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OH)

Under FCRA Guidelines IC Systems XXXX charter communications violated my rights according to
15 USC 1681 section 602: Rights to privacy 
15 USC 1681 section 604 A section 2 : Consumer reporting Agencies cannot furnish account info without written instructions
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

Aidvantage ran a campaign that if you signed up for auto pay by XX/XX/23 that they would reduce all of your loan rates by 0.5 %. I did sign up for auto pay before that date and on XX/XX/23 they emailed me stating that my auto pay had been cancelled and my rates would not be reduced. I have tried to contact them multiple times since that date and have not been able to reach them.
Consumer complaint received 2022-05-05
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: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2022 I received a credit notification alert stating that a new account has been added to my credit report. I reviewed the alert from the XXXX app and observed that a new AMEX account was added to my report. After further investigating the account, I learned that this account is my wife 's XXXX XXXX AMEX account which I am just an authorized user on the account. I called on this same day and asked AMEX to remove the account from my credit report because I am just and authorized user on the account and the not the primary account holder. AEMX refused to remove and told me the only way to remove the account is if I close my card associated with my wife 's account. I told AMEX that this statement was inaccurate and made a second request, but they still refused to remove the accounts. Since they continued to refuse to remove the account, I then asked to close my card associated with which they agreed to do.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate information on my consumer report and notified TransUnion to initiate a reinvestigation of the information. I included proof of my location information and identification. After more than 30 days since they received my dispute they are continuing to furnish the inaccurate information.
Consumer complaint received 2017-09-07
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

I had an open mortgage loan with XXXX XXXX XXXX XXXX Acct # XXXX reporting date XX/XX/XXXX and an open date XX/XX/XXXX. Bayview Loan Servicing is reporting that I had a loan with them open date XX/XX/XXXX. ( Fair Credit Reporting Act Violation ) How can I have two separate mortgages open around the same time in two different States? 

I never had a mortgage with BAYVIEW LOAN SERVICING at no time in my entire life. I have enclosed my supporting documents to affirm the claim that Bayview Loan Servicing repeatedly violated the Fair Credit Reporting Act as the Federal Fair Credit Billing Act. Bayview Loan Servicing is also have been and currently involved in various Federal lawsuits for violating The Fair Debt Practices Act ( SECTION 1692/UNFAIR PRACTICES ). 

I am a victim of their unlawful credit reporting and I humbly request the set mentioned account be permanently be removed from my credit report within 24 to 48 hours. I have included in a appendixes A, B, C, D AND E documents to solidify that the set forth credit Bayview Loan Servicing account should be removed from my XXXX credit report. 

I have always maintained an excellent credit rating and this incorrect account is hurting my credibility and demanding mu character.
Consumer complaint received 2022-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WV)

I applied for the Temporary Public Service Loan Forgiveness Program. My loan counts are way off as they are not including payments I made from XX/XX/XXXX through XXXX of XXXX. Their reasoning is they can't find the payments and they don't have the bills I was issued. Therfore they say the payments are not eligible. How can a required student payment not be eligible.just because they can't find them? I'm sure i'm not the only person being denied this Forgiveness because the Department of Education can't keep track of payments. This is unfair and not my fault. I am distraught over this. How can it be fixed. I have called FedLoan and sent emails only to be blown off by staff. I have been making the required payments for 20 years. Tell me how to fix this?
Consumer complaint received 2022-05-05
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. (WI)

In accordance with the fair credit report act these accounts has violated my rights XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Consumer complaint received 2017-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Byrider Franchising, LLC (MO)

well its a long story but apparently the got the documents showing we were filing for chapter XXXX with affirmation of vehicles and they came and took the car husband went after them all the way to XXXX ar and they wouldnt let him get his things or anything and making him pay to get it out and wont let him and wont work with us jd byrider XXXX ar XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi I'm very upset on what's going with Bank of America. I put in a claim for a service I prepaid for goods in XX/XX/2021. The company randomly went out of business in XXXX and STILL did not inform a public statement that they closed. They scammed people out of money knowing they were on the brink of closing. I prepaid for goods that are not promised and not the agreement of the reason of signing up for a annual membership. My bank denied my claim and I'm trying to explain these were a prepaid transaction for goods I was supposed to receive and never will due to them closing down. I'm out of XXXX which I'm extremely upset about.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX, 2016, I contacted a company by the name of XXXX on XXXX. This was an emergency clean up, for a couple who 's elderly parent was coming from XXXX. This was a Thursday, and I needed the service for the next day, Friday, XXXX XXXX, 2016 by XXXX. There was only a booking page and I booked the service. When I received the confirmation, it was scheduled for the next Friday, XXXX XXXX, 2016. I immediately emailed the company and told them this needed to be cancelled because I needed the service the next day. I have all of the emails. When they finally contacted me, the Customer Support, via email, said they would contact the XXXX company to try to accomodate the request. After going back and forth, they could not clean the home on the day needed. Not at one time during the emails with customer support did they tell me, in any way, that I could not get a refund. While waiting, I decided to chat with their on-line chat specialist. She is the one that said I could not get a refund, just a credit. At this time, I contacted my credit card company, Capital One ( XXXX ) .They issued the {$90.00} credit to my account while they contacted the merchant. A few weeks later, the merchant sent them some information, and they re-charged my account the {$90.00}. I was then told to send them all the info. I had ( which were emails ), there was never a receipt or terms and conditions, just an email confirmation. I sent these items on XXXX XXXX, 2016. The next day, the Capital One representatives told me that the merchant sent them terms and conditions and that the charge is non-refundable. This is not right. They never provided me with these terms and conditions and I have never used their service and definitely, I will never use their service. They are forcing me to pay for a service I never used and do n't want with vague, policies that they do not disclose upfront. Obviously, Capital One can not handle the situation. However, this XXXX company has n't provided any service and I am not paying for a service. I have paid all of my capital one balance except {$90.00} so that when this is resolved I can close this card. Customers should not be treated this way with a company trying to force someone to use their service.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Ive had several hard inquiries on my Transunion credit report that I have no knowledge of what they are for and never given my permission to do so. I also have incorrect spellings on my name on the inquiries and wrong addresses. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There are several others that I have no knowledge of what they are and never gave my permission for a inquiry of my credit and they are considered fraudulent.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I applied for a capital one journey credit card online on XXXX XXXX 2015 and was immediately denied for approval. I reached out to Capital One to inquire the decision and was informed I could not speak with lending agent. I asked manager onsite with Capital One and asked why was I denied because letter that was emailed stated credit report invalid and missings information? The manager said they was unable to pull a copy of my credit report from XXXX XXXX. I informed manager I called XXXX XXXX and they show not only the inquiry on my report but they sent me the report they pulled and saw. I asked the Manager to please uphold fair lending laws. I also informed them I work for XXXX and I am aware of the law and I would file complaint because I was violated. Please investigate this process.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I looked at my credit report on XX/XX/2024. On XX/XX/2024, I sent a letter of intent and an affidavit of truth to all XXXX credit reporting agencies. I stated I would like to make changes to inaccurate information on my credit report. I called each of the XXXX agencies on the phone XX/XX/2024, to update my information on the credit report. I mailed another letter to all XXXX credit reporting agencies on XX/XX/2024, telling them again about the inaccuracies on the report. This was sent via certified mail to verify that the notarized letter reached the credit reporting agencies. It has now been 30 days since my original request ( XX/XX/2024 ) and I have not had any contact from these agencies nor have I witnessed any updates to my account. Because of this, on XX/XX/2024, I mailed a demand and compliance letter to the credit reporting agencies and am now here submitting a complaint against them with the CFPB.
Consumer complaint received 2022-05-05
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. (MD)

I submitted 4 dispute letters to Experian regarding late payments on my report that are not accurate, for 7 accounts. I submitted letters via certified USPS mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Each letter requested them to investigate the late payments, and my statement was : " I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. '' Following each letter Experian responded with a dispute result, with each account status listing : This item was updated from our processing of your dispute in { Date } On subsequent credit reports, 3 accounts with XXXX  XXXX had a comment that stated Account previously in dispute now resolved reported by subscriber. '' 4 other disputed accounts did not even contain comments to indicate anything.

Each of the 4 dispute results was responded to in a way that they failed to provide how they verified any negative information as accurate, through what agency or company it was verified, or any statements or proof from whoever provided the information. This provides me with no resolution to my disputes whatsoever. 

My dispute letters are attached.