davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (CA)

Disputed accuracy, legitimacy, and proof of furnisher. I contacted alleged Data furnisher and they explained that they do not and did not provide any records containing my personal information. Disputed file with XXXX XXXX, Equifax and XXXX. 
XXXX and XXXX removed file immediately finding it inaccurate and non existing. 

EQUIFAX has failed to remove after several request. 
XXXX XXXX-Dispute in progress.
Consumer complaint received 2018-03-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX SPS VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692 -1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX XXXX FLORIDA This complaint is to request for Sanctions against SELECT PORTFOLIO FOR SERVICNG INCs violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX XXXX Florida ( case # XXXX ) to defraud complainant. 
Since XX/XX/XXXX Select Portfolio Servicing willfully failed to disclose Notice of Verification Debt request. 

On XX/XX/XXXX Select Portfolio Servicing was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a  ), though Consumer Protection Financial Bureau ( CPFB ). 

SPS shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, Select Portfolio Servicing ( SPS ) open a third ( 3 ) legalAction of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. 

Select Portfolio Servicing as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX XXXX, is the Mortgage. 

The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX 

Select Portfolio Servicing the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX  XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. 

More over, Select Portfolio Servicing have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. 
Select Portfolio Servicing commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 
1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. 

We ask Consumer Finanacial Protection Beureaus action to refer Select Portfolio Servicings criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to Transunion and they did not respond within 30 days. I want the item Removed from my credit report for violation no response within 30 days. I have enclosed a copy of the letter that I sent them. I have also enclosed Confirmation of Certified Mailed Delivered to them on XXXX. 

RE : TRANSUNIOIN Dispute Letter of XXXX To Whom it May Concern, This letter is a formal notice that Transunion has failed to respond to my dispute letter of XXXX regarding USBK court central callifornia Docket # XXXX. I sent this letter Certified registered mail, Drivers license, copy of social security # and have enclosed a copy of the return receipt which they received onXX/XX/2020 
As you are well aware, federal law Fair Credit Reporting Act, Section 611 ( a ) ( 5 )  requires you to respond within 30 days. It has now been Way over that period since their receipt of my letter. Failure to comply with Federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letter or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included proof a copy of my original request and the dated Certified receipt of your reception of the original letter. 
Conlusion : The following information needs to be deleted from my Transunion report as soon as possible for failure to respond within 30 days : CREDITOR AGENCY : USBK CT CENTRAL CALIFORNIA Docket # XXXX Please delete this erroneous, unverified item from my credit report as soon as possible FOR FAILURE TO RESPOND WITHIN 30 DAYS Sincerely, XXXX XXXX
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I have filed multiple complaint against company XXXX XXXX in the past few months. The first was a request to validate XXXX alleged debts they are claiming I owe. Pursuant to 15 USC 1692G, XXXX has to provide XXXX parts when a consumer request a validation. The company only satisfied only XXXX of those requirements. Second, I sent the company a letter asking them to delete these inaccurate, fraudulent and frivolous negative items off of my consumer reports because they are all canceled debts that was reported to IRS, these charge offs reporting on my consumer reports are illegal. The company is in violation of the many law under the FDCPA. This company knows that they are in violation but continues to break the law. Something has to be done to protect consumers from vicious collection agencies like XXXX XXXX. They are ruining consumers lives in their way of practice. This company has not provide all that is required as per the law to validate these alleged debts, they are committing tax fraud for trying to collect for canceled debts, they are did not respect my cease and desist request by continuing to report these alleged debts on my consumer reports.
Consumer complaint received 2021-07-19
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: JPMORGAN CHASE & CO. (NC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and TransUnion are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared, as backed by 15 USC 6801, which states that financial institutions have an obligation to respect customer privacy. XXXX XXXX XXXX is a financial institution under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. XXXX XXXX XXXX, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent to XXXX XXXX XXXX, XXXX, and XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX XXXX never informed me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a report without authorization. This account is an adverse item being reported without my permission, which is unlawful. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that a person shall not furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time. Therefore, I am opting out of XXXX XXXX XXXX 's reporting services.
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This matter centers on a credit card I had with Capital One which I had paid off in XXXX. 
Some time later, I learned Capital One was reporting a balance owed. Cpaital One and I were in contact in XX/XX/XXXX about how to resolve the issue. 

On XX/XX/XXXX I received a letter via USPS regular mail from XXXX XXXX XXXX, XXXX ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that XXXX XXXX XXXX are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. 

On XX/XX/XXXX, four days following receipt of their letter, I sent a validation notice response to XXXX XXXX XXXX via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at XXXX XXXX XXXX on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXXXXXX XXXX on XX/XX/XXXX attachments 2, 3 and 4 ). 
. 
My validation notice to XXXX XXXX XXXX sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent. 
2 ) Validation of the basis for the debt. 
3 ) Provide a copy of the last billing attempt by their alleged client. 
4 ) Verify what payments may have been made since the last billing. 
5 ) Verification that XXXXXXXX XXXX XXXXXXXX have a debt collection license in the State of California. 
6 ) Notifying them I disputed the debt. 

As of today, XX/XX/XXXX, XXXX XXXX XXXX XXXX has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in Superior Court ( Superior Court of California , County of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. 

As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). 

In addition to this response, I am filing complaints with the CFPB and Attorney General of the XXXX of California.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

Home Depot reported to my credit report a 30 day late payment in XXXX XXXX I called Home Depot and explained that Im a victim of identity theft and was not aware of the amount due. I was told by the representative at Home Depot that they would remove the late charge of {$40.00} and request the 3 credit bureaus remove the 30 day late payment. I was also sent a letter with this information in writing and attached it to this complaint. They did not fulfill this promise and have yet to have the late payment removed from my credit report. I have disputed the late payment mark on my credit report through the credit bureaus but Home Depot keeps denying this request even though I have a letter from Home Depot stating theyd have it removed. Ive also provided a police report to Home Depot showing Ive had my identity stolen and the letter they sent me stating theyd have the late payment mark removed. They have yet to do so.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america is always giving me a problem on their verification id questions they cancel and hold my card from me without my permission and they do not help me resolve this issue i dont know why they are doing this to people and accessing online is a problem as well because employment development department and bank of america do not have ability to solve issues
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

NMAC Finance has been an awesome company to finance with. I have been struggling for awhile and the Covid pandemic didn't make things better. NMAC allowed me to utilize my extension options as which, I have exhausted them all. I have not been able to pay my current payments of XX/XX/XXXX and XX/XX/XXXX, as which, I won't be able to make the XXXX payment until XX/XX/XXXX and the XX/XX/XXXX payment on XX/XX/XXXX. I am in the midst of transiting into a new job where I will be able to manage my finances better but won't be able to get to work if the car is repossessed. I am asking NMAC Finance to at least give me an opportunity to make these payments and get my account brought current through the new employer that will take effect on XX/XX/2021.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NJ)

I received an email from Netspend stating an account has been formed and that a " prepaid Mastercard " would be emailed to me within 7-10 business days. The email never specified whether it is a debit card or credit card. I contacted Netspend as soon as I saw the email and was asked for my name and social security number and then was transfered to the Fraud IT department where I was then told that it was just an advertisement and the representative proceeded with a scripted sales pitch. This process is extremely misleading and forced me to provide the company with sensitive information that they did not previously have.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (SC)

I have perfect credit and received a favorable loan estimate from Quicken Loans for the RE-finance of my Condo. While the loan was in underwriting, a person proceeded to tell me they cant move forward with the loan because it wasnt my primary residence. I provided all documents proving my Condo is my primary residence and that I own no other house but they insisted I dont live there. I paid for an appraisal {$500.00} and they kept my money.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

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. This collection found within my credit report is 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.
Consumer complaint received 2021-07-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Please help me to get removed from wells Fargo i have always been paying my insurance. Please see my attachment.. some customers service agents don't understand why wells Fargo enforce escrow in my account. I called wells Fargo insurance department and they told me that only customers service department is to remove escrow from my mortgage account. Please help because I paying double insurance from escrow and my own insurance from XXXX fro what I know it is illegal what they are doing! I am XXXX  speaking if not I will try my best in English thank you
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (FL)

In XXXX XXXX, I made an error and forgot about an automatic payment coming out of my account.. This overdrew my account ( BB & T ) - which my bank honored. They charged me a {$36.00} overdraft fee - which I felt was fair. I am on Social Security and SSI and only get my money on the 1st and 3rd of the  month - which was 2 weeks away., I was unable to " fix '' the overdraft in the " allotted '' time. I was charged another {$36.00} fee. I am tightly budgeted ( I get a total of $ XXXX to live on ) and every penny is accounted for. This additional fee caused my account to overdraw again. Another {$36.00} fee was charged. In the course of about a month - I was charged a total of 10 {$36.00} fees- or {$360.00}. I went to the bank and was told that they would not reverse any of the fees. Since I spoke to them, they have charged me additional and I am now close to {$400.00} overdrawn. I went to Social Security last month and told them that I did not want my payment automatically deposited into my account. I wanted a check. I was a little over {$200.00} overdrawn at that time.. I was told this would be done. I received my SSI check but my Social Security check went into my account - reducing the money I received by the overdraft. Again, no money to live on. Hopefully, Social Security will send me a check for XXXX XXXX.
Consumer complaint received 2023-04-10
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: Zions Debt Holdings (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX 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 This collection account has reported incorrect Account opened date, Term Date and more
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi my name is XXXX XXXX. My complaint is in reference to Transunion reporting a plethora of inquiries on my report which I have disputed and made them aware that I did not authorize these inquiries. They refuse to honor my dispute, investigate, or remove these inquiries from my report. 

XXXXXXXX  ( Retailer ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I have sent this company numerous police reports of identity theft for an apartment I never lived at. They requested leases from where I lived during that time. I sent certified mail the leases and they never responded and there have not taken it off my credit report.