davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I am a victim of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX along with XXXX XXXX XXXX and U. S Bank are trying to steal my paid-for home. Judge XXXX XXXX XXXX is allowing this to go to trial even though my mortgage is satisfied and I overpaid on my mortgage several times. Please help me I am a victim of a case that was already handled by A.G. Schneiderman Announces {$4.00} Million Settlement With New York Foreclosure Law Firm XXXX XXXX XXXXXXXX XXXX. And XXXX XXXX XXXX A.G. Schneiderman Announces {$4.00} XXXX Settlement With New York Foreclosure Law Firm XXXX XXXX XXXX XXXX And XXXX XXXX XXXXXXXX XX/XX/XXXX, NEW YORK - Attorney General Eric T. Schneiderman today announced an agreement with XXXX XXXX XXXX XXXX. ( XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX, and XXXX XXXX requiring them to pay {$4.00} million to New York State in penalties, costs, and fees, which will be used in part for programs that offer assistance to homeowners facing foreclosure or victims of predatory lending practices. The agreement stems from abuses in their foreclosure-related legal work. XXXX XXXX founder XXXX XXXX XXXX and managing partner XXXX XXXX also agreed not to represent lenders or servicers in new foreclosure-related cases for two years. Until ceasing most of its operations on or about XX/XX/XXXX, the XXXX XXXX was the largest foreclosure firm in New York State. Between XXXX and XXXX, the XXXX XXXX filed over XXXX foreclosure proceedings. It represented many of the largest servicers of residential mortgage loans, including XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX. XXXX  was formed by XXXX XXXX XXXX in XXXX to handle the bulk of the XXXX XXXX highly compartmentalized foreclosure process. None of the XXXX employees were attorneys.
Consumer complaint received 2021-06-10
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: PENTAGON FEDERAL CREDIT UNION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

XXXX  XXXX PENTAGON FCU XXXX XXXX  XXXX
Consumer complaint received 2024-03-01
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. (GA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CORELOGIC INC (IL)

Credco is claiming that they are a part of CoreLogic for security freezes only, and they refuse to give a confirmation letter to confirm the security freeze took place, or was requested. 

Likewise XXXX claims that they are a part of XXXX for freezing accounts, baring no witness by refusing to provide verification that the XXXX part of the credit report is frozen.
Consumer complaint received 2021-08-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

Subject : I am in dilemma My finance condition is completely reigned by the aggressive debt collector- Rushmore LMS and XXXX XXXX XXXX  XXXX XXXX The collectors employed the attorney to continue to hinder every move to the financial predicament I am facing. 
Recently, I had a buyer for the property located at XXXX XXXX XXXX XXXX that I obtained equity line of credit of about {$25000.00} from XXXX  XXXX XXXX. The HELOC loan was fraudulently sold to XXXX XXXX in XXXX at the time, my chapter XXXX bankruptcy was active. In XXXX, XXXX XXXX was represented by a highly connected law firm XXXX XXXX XXXX as shown in exhibit A. The law firm easily obtained a judgment on pleading of {$42000.00} by default and ignored my bankruptcy protection and filed a writ to sell the property on sheriffs sale. Around XX/XX/XXXX, Rushmore LMS and XXXX XXXX  XXXX began to call the HELOC loan, a mortgage and started creating escrow accounts, fees insurance charges, legal fees, interest and others charges added to the amount owed. Currently, Rushmore LMS demands for a payoff of about {$67000.00} and a reinstatement quotes of about {$34000.00} in XX/XX/XXXX and XX/XX/XXXX the amount was {$43000.00} and {$45000.00} both due on XX/XX/XXXX that is about {$10000.00} jump in two months. As shown on exhibit B, B2 and B3 respectively. Before XX/XX/XXXX I paid the reinstatement monthly amount due of {$11000.00} to Rushmore LMS but they rejected the payment for unknown reason. I requested for update statements since XX/XX/XXXX and no update quotes has been provided up to date because they simply want to delay settlement so that they can successfully sell my property on sheriffs sale that XXXX XXXX XXXX, the Attorney cleverly masterminded. The plan of the law firm is to enforce the judgment obtained on behalf of XXXX XXXX as in exhibit C which they currently fixed for sheriffs sale on XX/XX/XXXX. Rushmore LMS continue to aggressively multiply the balances by creating accounts and preventing my settlement offers from getting to the lender- XXXX  XXXX  XXXX  according to Rushmore staffs, they said they are privileged to accept or reject any offer presented. The letter from Rushmore referencing the lender information was without phone and fax number to communicate with the lender as shown on exhibit D. I am completely oppressed and psychologically and emotionally drained as my financial world are being destroyed by Rushmore LMS. I cant understand how a balance of HELOC loan of about {$25000.00} in XXXX now reached a balance of {$67000.00} in XXXX. No explanation was so far given and the subject property insurance was paid by me in XXXX through XXXX. 
At this time, I seriously requested for your assistance to resolve this problem before Rushmore and XXXX XXXX XXXX  XXXX and the law firm completely destroy my finances and steal my property I currently spent about {$35000.00} and currently lived there as shown on exhibit E. 
I hope will help! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I have been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc (MO)

I just received a collection notice from a collection agency from XXXX XXXX XXXX they are trying to send me to collection for returning a car after they closed, they were closed Sunday and they lady didn't look in their return key slot and in the parking lot because they are next to a XXXX XXXX, they don't have designated mark stalls. 

I have my communication with the agency as well as pictures and my XXXX receipt home and they have camera so they know when I pulled up?
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IL)

I contacted GM Financial on XX/XX/2018 to request that my payment be moved to the end of the loan for my XXXX  XXXX XXXX. I spoke with a rep who said that all I had to do was pay XXXX or something like that and my request would be granted I made the payment with the rep and she said the request was approved and took care of other things I need to take care of financially. The rep called back and said my request got denied because my account was to new and I explained to her I had already used the other portion of the money for other things and had she told me while on the original phone call that my account was to new and it wouldn't be approved I would have just made the entire payment but I didn't cause she stated the request was approved and I was ok. Gm Financial reported my account as 30 days late in XX/XX/2018.
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A fair resolution to my request and complaint is simple. I would like an answer from Experian and XXXX XXXX XXXX XXXX why my requests and complaints have not been explained or answered over the last 5 years. That is all, just an explanation. I have requested the permissible permission to have had accessed my credit report in XX/XX/2017 but I am not requesting this at this time. I just want to know why my complaints are labeled duplicate without an explanation or submitting the permission used to have accessed my credit report. Is there something I am missing? I understand these companies have low paid people submitting programmed replies with a punch of a button. Don't let the company hide behind you but pass this to your management and let them carry the problem. The bottom line is that neither company had the right to release my report to someone other than me but they deny deny deny like their extremely overpaid 2 dollar attorney instructed them. XXXX XXXX XXXX XXXX instantly labels this as a duplicate. Perhaps Experian can do the right thing and investigate properly by requesting the permission and review THEMSELVES.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (CA)

I have reached out to BANK of the West and requested that they remove the inaccurate late payments from my credit report. Bank of the West continues to report monthly to XXXX XXXX, XXXX, and XXXX nearly ONE YEAR of late payments when in fact the attached documentation will reflect that I paid faithfully in full the entire time that the report is reflecting adversely. If I had EVER been late ( which I was not ), I would have been contacted by the lending institution to resolve the matter. I have never received any correspondence from Bank of the West suggesting that I was late even ONCE let alone for an entire calendar year of 2019. I have attached a copy of my credit report which reflects 12 incorrect late payments in the year 2019. As you can see from the attached documentation, PROOF of on-time payments, but you can also see the discrepency in the credit bureau reporting that I HAD never once been late before or after the months in question. This is a clear violation of my rights under the FCRA which requires ACCURATE and TIMELY credit reporting
Consumer complaint received 2021-06-10
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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 2021-05-07
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: Resurgent Capital Services L.P. (SC)

I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.
Consumer complaint received 2019-03-27
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. (VA)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (OH)

Company refuses to send my receipt of payment to my email address per multiple conversations and being told it would be sent in 48 hours from payment ... .. They are refusing to provide proof of payment causing financial harm and preventing me from buying a house and causing me to loose the house I put an offer on ...
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I have had an account with Equifax since XXXX, and the products I pay for monthly are Score Watch XXXX   XXXX XXXX and ID Patrol XXXX XXXX XXXX. My account with Equifax reports that I currently have two " open '' home mortgage loans. My home mortgage loan that began in XXXX was paid in full and closed with the bank in XXXX of XXXX, so should have been removed from my " open '' to " closed '' accounts at that time. Although I maintain an Excellent credit rating, leaving the " closed '' mortgage " open '' on my Equifax report is not only inaccurate, but lowers my score. I have circled back with the bank to confirm that they did notify Equifax when the home mortgage loan was paid off. It's also important to note that this home mortgage loan was closed on both my XXXX and XXXX  reports at the appropriate time. 
I have made a number of contacts to try to resolve this issue with Equifax, including calling twice and talking to a representative, and filing two disputes, all to no avail. One representative in particular was flat out rude and said he could not help me, and although I get emails regarding the status of my disputes, the Equifax system does not allow me to access the information when I click on the provided link. I have shared this problem when I called, but received no positive assistance. In fact, I was told by both representatives " I'm sorry, but the system is down and I am unable to confirm when it will be accessible ''. This is not acceptable. 
Equifax needs to correct this problem right away. I also want to pursue a refund for Score Watch back to XXXX of XXXX.
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX OF XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had received a XXXX in XX/XX/XXXX from a collection account from XXXX XXXX and I filed it with my XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, Transunion contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now XXXX and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from Transunion stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that XXXX XXXX had updated my account again to show a balance and past due amount. Transunion told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called XXXXXXXX XXXX and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that Transunion was lying and they never updated the account to show a XXXX balance and a XXXX past due. They did say that they did update it with an account forgiven. When I asked them why did Transunion tell me that they are not allowed to update my credit report that only the creditor can do that they told me that Transunion was lying. 
I called Transunion right away and they sent me the original updated information from XXXX to use in this dispute.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

I have already been filing complaints against this Bank. They used Identity theft by creating a Fiduciary Relationship acting as the Grantor of my own credit. 31 U.S. Code 3729 - False claims I demand to fine them {$10000.00} dollars for the fraudulent use of my name and also Tax Fraud and withholding information when demanded. They have already closed the account as " Closed by Grantor '' which brings forth more evidence of the fraud using my name.
Consumer complaint received 2018-04-30
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 (CA)

I bank with Bank of America. There are two transactions made on my account without my authorization. On XX/XX/XXXX {$420.00} and XX/XX/XXXX {$450.00} at a United States Post Office. I submitted a fraud claim with BOFAXX/XX/XXXX I also filed a police report on XX/XX/XXXX case number # XXXX. Later I was contacted by detective XXXX XXXX that since the purchase 's were made at a Government agency he could no longer assist me. He would forward this to the USPS inspector. BOFA gave me a provisional credit of {$870.00} on XX/XX/XXXX. However, on Friday XX/XX/XXXX I was informed they are unable to pay and all credit 's given to me would be withdrawn from my account on XX/XX/XXXX. I was told by the bank that my card and pin number was used for both purchases. I gave them the police report number and told them I can prove I was at work ( time card/human resources ) at the time and date of transactions. I initially asked to retrieve video because it was at a Government facility. I called the bank again this morning XXXX I was given the reason of denial to be " after reviewing a pattern of my account this did not fit to be a fraudulent purchase ''. I'm at an utter shock after I told them I have proof that I was at work, I filed a police report so I can press charges and asked them to pull video. After all that it was still denied! It may not seem like a lot, but {$870.00} is a lot of money to lose. This has caused a major stress. Please help me.