davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

I have been a victim of predatory lending practices. As a poor XXXX woman that believed she needed to get a college degree I left myself vulnerable to a situation that has now made it impossible for me to have a decent quality of life. I was not informed that my loans were being purchased by Navient and have been forced into forbearance time and time again with astronomical compounded interest rates for years when asking for income driven payments. I was also told that I have to pay fees despite the administrative forbearance period ( XX/XX/2020, through XX/XX/2020 ). Again, they say that my loans and have been shifted and sold and I am clueless about when and how this happened. I was never informed about PSLF and always always steered to forbearance. I am struggling and can never get a home loan under these circumstances.
Consumer complaint received 2018-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

First notice XX/XX/XXXX thereafter I call the company and the bank and indicated to take action with the CFPB to solve the issue. In XX/XX/XXXX receive another letter to pay the debt. Account # XXXX
Consumer complaint received 2020-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX my mother the previous trustee on the account passed away on XX/XX/XXXX. 

On XX/XX/XXXX I notified Select Portfolio Servicing ( SPS ) via mail, email, and fax of my mothers death and informed them that I am know the trustee on the account. 
From XX/XX/XXXX to present date XX/XX/XXXX I have called countless of times trying to get a hold of a single point of contact that could help me sort this out but no one could help me. During this period I have notified SPS that XXXX XXXX XXXX XXXX an unauthorized person has somehow started an online account with SPS and on XXXX she has authorized herself on the account from the online portal. During this time I have asked SPS countless of times to suspend online activity on the account and have been told they are unable to help me until I am authorized. I have explained that I am the trustee on the account and have not authorized this person to enter into a repayment plan yet SPS has allowed a repayment plan on the account without my knowledge. I spoke with a supervisor at extension XXXX she stated that the trust is invalid because it list the property zip code as XXXX and there records is XXXX. I immediately contacted the estate attorney XXXX XXXX who confirmed that some records show XXXX and other show XXXX but the APN # XXXX matches all country, mortgage, and Trust records. I received a phone call from XXXX on XXXX but was unable to answer her call. I called back today Monday XX/XX/XXXX spoke to a representative who read notes saying that SPS needs additional information. I immediately requested a supervisor and spoke with XXXX who advised me that SPSs audit department needs tax documents or a XXXX postal service document validating the address. I explained to the manager that if the mortgage company states that the zip code is XXXX thats fine but that the APN # is the true identification of the property and that remains the same. The manger confirmed that an audit rep would call me to discuss further and advised her that I would be submitting a CFPB complaint. Was told that there was no complaint department. 

I am hoping this reaches SPSs and the resolution I am seeking is for the company to validate me as the trustee and an authorized party just like the second mortgage company XXXX XXXX  has so I can move forward with administering the account. I would also like to stop all online activity until I am authorized on the account. 

Thank you XXXX XXXX
Consumer complaint received 2018-04-17
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. (KY)

I signed an original contract with XXXX  ( XXXX XXXX XXXX XXXX XXXX ) which obviously sold my information to this other company that I never had no original contract with which was XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). Also, Public Law 10, Chapter 48, 48 Stat 112. Refers to H.J.R 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In XX/XX/XXXX-President XXXX passed XXXX XXXX, XX/XX/XXXX- and since the government had taken the gold, and the People had no money, the government would pay the 'debts ' for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Law, PL 73-10. This law protects the people from damages caused by the Federal & State.
Consumer complaint received 2017-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CO)

I have a debt on my credit report that is not my debt. I do not know who they are, who they represent,, name has changed twice. They continued to ding my XXXX Report. I have filed a complaint with BBB ; complaint XXXX Submitted on X/XX/2017. Complaint against XXXX XXXX XXXX, XXXX Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (IL)

On XX/XX/21 I applied for a retail Fortiva Card at XXXX XXXX auto shop and was approved. On XX/XX/21 I called the number at the bottom of the approval slip to get my ENTIRE account number and they claimed had no record of me in their system after telling me they found me 3 times. They were able to repeat Information back to me but then transferred me to someone who then claimed I was not in the system who also refused to give me the FULL account number.
Consumer complaint received 2020-12-14
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: Accounts Receivable Inc. (FL)

In response to me previous complaint regarding disputed false accounts # XXXX and # XXXX, Accounts Receivable falsely claim that " consumer has never directly contacted our office, only through CFPB, XXXX and through credit reporting agencies ''. This allegation is false as I have contacted Accounts Receivable directly but they have not responded. Also, Accounts Receivable claims that they " verify identification as accurate '' which claim is also false as they are showing an incorrect ( among several other inaccuracies ) unit number XXXX as part of my address instead of the correct one XXXX. 
Also, they are not showing any proof of debt with my signature - only meaningless computer generated fake or somebody else 's statements.
Consumer complaint received 2018-04-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC (TN)

I sent a debt validation to the creditor XXXX XXXX XXXX to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called Cascade Capital LLC. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butler and Associates, PA (KS)

In XXXX, I received one letter from a law firm stating that I owed a Hospital ( XXXX XXXX XXXX ) for the amount of XXXX. The original debt was for XXXX, but interest is incurring on a medical debt to the tune of {$70.00}. The problem is that I didn't go to this hospital. Somehow, this letter was forward to me, is addressed to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don't live there. I sent in a valdiaton letter, got no response. I attempted to contact the hospital and left several messages. To this date, no one has called me back. Now I'm being sue for TWO medical bills for the same hospital with the corresponding law firm and not once has anyone sent me a validation of the debt.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

I received an email from XXXX on XXXX, stating that they noticed unauthorized transactions on my account to purchase XXXX. in the amount of {XXXX. I called the number that was provided in the XXXX email ( XXXX ) and spoke with someone named XXXX who transferred me to someone named XXXX. at the number XXXX and they requested information to help verify my account and confirm that my account had been hacked. They asked who I bank with and I told them Chime banking. They had me download an App called XXXX to request remote access that would help identify how my account was hacked. They then requested access to my chime account. I did not authorize any money to be taken from my account, however the amounts deducted and paid to are as follows : On XXXX morning, I had XXXX  available on my Chime credit card, XXXX in my chime checking and XXXX in my chime savings account. Somehow, these people got access to my entire account, cleaned out my savings and sent unauthorized charges to the following : XXXX to XXXX XXXX {XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX A in the total of XXXX 

Later I sent the email to XXXX and they informed me that this was a scam and informed me that my XXXX was not compromised and that I need to contact my bank to get this resolved. I filed a dispute later that day and this morning XXXX, my dispute was declined.
Consumer complaint received 2024-02-07
Product: Credit reporting 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 XXXX Account # 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 2022-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc. (NV)

XXXX XXXX XXXX is reporting false information on my credit report. I paid the company and they are still reporting a balance. I gave the company money and they are asking for more. I have not received an itemized statement from them and they are trying to collect extra money. they are reporting that I owe {$840.00} This is incorrect. Please remove it from my credit report. this is causing damage.
Consumer complaint received 2022-05-04
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. (OR)

In accordance with the fair credit reporting act XXXX Account # XXXX, has. violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (AL)

In XXXX and XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX/XXXX  XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

On XX/XX/2022 I mailed a letter to Equifax, XXXX, XXXX stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2020-12-14
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-04-09
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. (IL)

I have disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX  has removed the public record from my file but Experian and XXXX keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed this.
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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.
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

I am trying to save my home by getting a loan modification so I can have payments that I can afford. Rushmore refuses to review my loan for a modification. I have sent in an appeal, and have still been denied. I have an appropriate amount of guaranteed income and I am just trying to save my home for me and my grandkids. Rushmore has told me that my income doesn't qualify but they are refusing to review my accurate information. I have yet to be able to speak with the person in charge of my file as they are always busy and will not call me back. Here is a detailed account of my interactions with Rushmore : XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on Mod, rep said that the appeal was denied as of XXXX. Said the reason for denial was that the DTI was too high. Said account DTI was 38 % and the maximum is 38 %. Requested copy of denial via fax. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore to f/u on Mod, rep said that it is still in review, and there is no update. Will f/u next week. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore to f/u on appeal, rep said that it is still in review. Will f/u at the end of the week. 

XX/XX/XXXX, XXXX AM NOTE [ n ] - Called Rushmore to confirm appeal was received, rep said that it was received the appeal on XX/XX/XXXX and is in review. 

XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called Rushmore to request a copy of the denial letter since we still haven't received it. Rep said she's not sure what happened since she can see my request from XXXX. She put in a new request for it to be faxed to us. Rep stated we can email XXXX with the appeal. 

XX/XX/XXXX, XXXX PM NOTE [ n ] - Called Rushmore, mod is still pending review. Rep said there may have been a denial letter sent out since there is no new terms. Denial letter sen out XX/XX/XXXX. Income was insufficient, monthly is not enough to sustain a new payment. We can appeal the income within 14 days. 

XX/XX/XXXX, XXXX PM NOTE [ XXXX ] - Called Rushmore to f/u on mod terms. Rep advised to call back tomorrow and hopefully they should be generated. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on modification, rep said that it is still in review. Said it is close to wrapping up and advised to call back on Monday. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on review, rep said that the file is in underwriting and should wrap up at the beginning of next month. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on modification, rep said it is officially in review as of XXXX and we should have decision by the first week of XXXX. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore, The account is in review and will take up to 30 days. 

XX/XX/XXXX, XXXX AM NOTE [ XXXX ] - Called Rushmore to f/u on RMA, rep said that the full packet has been received and has been pushed to underwriting. Will f/u in a few weeks.
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (KY)

Original full account number Need to provide original contract Need to provide a consent form from me stating I gave you permission to receive my data or social from original creditor. 
Need to provide a wet ink signature from me on the original contract! If midland credit can not provide these documents I need the reporting account to be removed from XXXX, XXXX, XXXX ASAP
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Applied Data Finance, LLC (AZ)

Today a debt company called " SRS '' called me at XXXX XXXX my local time which it isn't legal to call before XXXX XXXX. They call repeatedly and several times a day. They have called my mother 's phone number :XXXX and mine : XXXX. They have left voicemails on both that legal action may happen about a debt I have with personify.