davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (MA)

I am writing this letter to bring to your attention a very unpleasant recent experience I had with Flagstar Bank refinance operations. I have been a consumer of Flagstar Bank since XXXX. I recently closed on a very lengthy and unpleasant loan experience with Flagstar Bank. It was the WORST loan experience I have ever experienced and given the circumstances I would never ever again do business with Flagstar Bank.

I fully understand the whole world is dealing with a global pandemic, and I sympathize with professionals working from home while managing personal and work life ; however, unfortunately for me, Flagstar Bank staff were very unprofessional, unethical, irresponsible and discriminated against me for being XXXX while processing my loan. It took 8 months for my loan to be approved and closed ( XXXX ) when I was promised on XX/XX/XXXX that a refinance process would only take " 60 days ''. During the 8 months, I made multiple attempts to communicate with different Departments to no avail. I even made attempts to supervisors and management also to no avail. No supervisor and or manager bothered to return my calls and or emails. 

As a XXXX consumer, I felt discriminated against by Flagstar Bank staff. I am convinced that had I been a XXXX  consumer I would not have experienced the disrespect of unanswered emails, answered phone calls, and bouncing around to various different loan processors and Departments when I persistently called.

How can my complaint be satisfactorily addressed?

Flagstar Bank should review its policy about promises made during the initial disclosure and have a firm policy about their staff returning phone calls and emails/mails to their consumers including management.

Flagstar Bank should also be investigated for loan practices of XXXX  consumers versus people of XXXX. I felt my loan experience was unpleasant because of my race being XXXX.
Consumer complaint received 2021-04-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

Select portfolios serving wa sa quick to contact me but wanted me to pay XXXX a month for 6 months I might as will quit my job worry about my family getting something small and me living under a bridge so much for them needing to help a XXXX veteran way to go with covid relief
Consumer complaint received 2024-05-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SoLo Funds Inc. (SC)

I was approved for funding on XX/XX/year>. The funds were bot available. I reached out that evening and was not able to make contact. I selected email as a way for them to contact me. I never received a reply. I reached out again on XX/XX/year>. I waited for someone for 30 minutes and they said they are working on the issue. She gave me some ways to troubleshoot that did not work. I responded to the email follow up for that conversation three times and they closed it saying I had not responded. On Sunday, XX/XX/year>, received an email stating the loan was due in 5 days. I reached out again on XX/XX/year> and they told me they escalated my case so that the loan could be closed out. I was told I would hear back in a day. I reached out again this morning, XX/XX/year>, to find out what was going on. I got the same generic responses and was told they are working on it. 8 hours later the loan is still active.
Consumer complaint received 2022-10-08
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. (TX)

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 XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX Bank XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX The above accounts 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 2021-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (SC)

XXXX XXXX in XXXX SC turned me into collections after I paid for the bill and associates of XXXX XXXX and XXXX XXXX damage my perfect credit score.They never applied payment to their associate accounts as they told me on front of witness and the witness was already paying the bill that all payments would be dispersed to associate accounts= that didn't happen paper work to follow.
Consumer complaint received 2021-12-09
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: National Credit Adjusters, LLC (FL)

On XX/XX/2021 XXXX XXXX pulled my credit file without my authorization, signed documentation nor verbal consent. This organization/creditor non consensually accessed my credit file resulting in an inquiry which is not linked to any account. This a violation of the fair credit reporting act 15 U.S. Code 1681b - XXXX XXXXl lacks any permissible purpose and I demand that this unauthorized inquiry be removed from my credit file IMMEDIATELY. 

XXXX XXXX responded to this by stating : After our review, we found that the best agency to help you with your issue is XXXX XXXX XXXX XXXX. If you would like to submit your complaint with XXXX XXXX XXXX XXXX, contact them directly at or call
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Collection Systems, Inc. (MI)

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account I never agreed to or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and their actions have evidently violated my rights. Also, XXXX XXXX has the debt, not the National Credit Management
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

XXXX XXXX in XXXX and the XXXX XXXX XXXX XXXX XXXXt and the Towing Companies did not inform me where my car was impounded. I thought it was stolen while it was parked in front of the home I was living at on XXXX XXXX and XXXX
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from XXXX that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that XXXX has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from XXXX on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.
Consumer complaint received 2022-03-26
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. (NC)

n accordance with the Fair Credit Reporting act 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 2022-09-27
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. (VA)

After reviewing my credit report the following credit bureaus are violating my consumer rights. Please delete all accounts reporting negative data to my consumer file and consumer report, credit report in the next 4 days. 

15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission 15 usc 1681b ( a ) ( 2 ) need written permission 15 USC 1692 ( f ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 
( d ) Clarification of willful noncompliance.
Consumer complaint received 2022-03-26
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. (NC)

n accordance with the Fair Credit Reporting act 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 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-10-08
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)

XXXX closed business for 7wks, The lender offered a XXXX forbearance month. The proof is attached. I paid in XXXX AS AGREED. I was NEVER 30 days late. The documentation will corroborate the FORBEARANCE.
Consumer complaint received 2022-08-15
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. (FL)

I notice some inquiries on my report that I did not authorize. Here are the list of inquiries : 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
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE CORPORATION (SC)

I had a second mortgage home equity line of credit with SouthState Bank. My first mortgage loan was foreclosed. I was never materially delinquent with South State. When SouthState got notice of the foreclosure hearing they accelerated my loan, still not delinquent. The loan balance was an amount that could easily have been converted to an unsecured loan, but they wouldn't consider it. SouthState charged off my loan. This activity is from XXXX through early XXXX. In early XXXX SouthState 's recovery department called me and we worked out an arrangement. I paid a third of the loan balance ( {$54000.00} ) in an {$18000.00} lump sum, I'm paying a third in installments, and once I finish paying {$18000.00} in installments SouthState is under contract to cancel the last third. Even though I am timely paying the required installments, SouthState reports me as very past due on the loan. I don't see how they can report me past due when I was never seriously delinquent on the original loan, they got nervous and accelerated the loan when I was willing to keep on making regular payments, and I am fully performing the terms of the arrangement with the charge off department. I don't see how they can even call the loan part of their regular reporting portfolio when it's been charged odff. NOTE : this complaint is actually two complains. The original loan was joint credit with my husband, and SouthState reports him delinquent too.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tromberg, Morris & Parnters, PLLC (NY)

TROMBERG MORRIS POULIN, PLLC and XXXX XXXX XXXX threaten to sue me for a fraudulent debt and threaten to take everything i own if i do not pay them for the alleged debt. 
I contacted each compant and law firm asking them to do a proper investigation and they REFUSED. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers bearing my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. 
This is not my debt this is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

If you can not produce such proof and continue to violate me after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my court 's venue. You will have to travel to defend yourself in that scenario. 

Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required and NOT a computer printout. 

Since this is my final request, I will also be sending a copy of this letter to the Attorney Generals Office, Federal Trade Commission, XXXX XXXX XXXX, and The Federal Deposit Insurance Corporation ( FDIC ) notifying them that I have signed receipts for letters sent to you and you have ignored and not complied with my request. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me.
Consumer complaint received 2022-09-27
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. (TX)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (IL)

I had a lease in a property in XXXX XXXX. Because I was struggling to pay my lease when my hours we cut, the landlord offered me a solution of leaving the property and just paying what I owed as far as past due rent, however when I moved out of the house, the management company continued to charge me for future rent, even though I was not living at the property. They also charged me for a ridiculous amount of things in the house of regarding some repairs repairs that were not correct. In fact, I left the property in better way condition than when I took it. I remodeled the entire house and had it professionally painted as well. I also hired a professional company to clean it when I moved out. I called the management company several times and asked them to send me the itemized items that were supposedly due by me and they never responded. I asked for the telephone calls between me and the landlords attorneys and the court files to prove that I did not owe all that the money but nothing was sent. They said I They reported The false amount owed on my credit report making it very difficult for me to obtain any new credit and my XXXX XXXX was effected greatly because of this debt.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Filed a dispute regarding incorrect balance and payment history with reporting agencies equifax and XXXX. XXXX responded via email with an obviously stock robo answer that information was indeed correct and that it takes 30 to 60 days for the reporting agencies to update information. They are the only creditor that I have where this seems to be the case. I resubmitted an additional dispute and received the same response. I then filed a complaint on this website after seeing my score drop 18 points. Upon further investigation it appears now that rather than correct the information they have reported to the credit reporting agencies my account is now reported as being closed. Which it is not. It sure didn't take 30 to 60 days to report my account as closed. Seems a bit retaliatory.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo Servicing Center Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.