davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

In my previous CFPB complaint XXXX, Fay Servicing responded with lies. 

During the pandemic, millions of mom and pop landlords like me lost rental income and were forbidden to file eviction by the federal and state laws, yet Fay Servicing was free to file foreclosure while my account was under loss mitigation review. 

Fay Servicing took advantage of the pandemic and generated exorbitant fees in filing the wrongful foreclosure. Fay Servicing is purposefully keeping my foreclosure case open at the court for the sole purpose of generating fees perpetually. 

Fay Servicing offered me a forbearance plan, in which the first trial payment is not due until XX/XX/XXXX. Fay Servicing also filed foreclosure on the same day. The foreclosure was not on hold as they claimed in the CFPB response. I was served with summons on XX/XX/XXXX. My account was reinstated on XX/XX/XXXX. 

Fay Servicing lied about my foreclosure case status in their response to my CFPB complaint. Fay Servicing presented a notice of voluntary case dismissal and discharge of XXXX XXXX dated XX/XX/XXXX in their response to CFPB. The facts are : 1. I never received the notice in the mail as the counsel stated in certificate of service. 2. The notice of voluntary case dismissal was never filed with the XXXX circuit court. The foreclosure case is still open and actively against me because this notice of dismissal is not effective until it is properly filed with the court. Please see the attached for the foreclosure case detail. You can also find the case status by this link https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The total legal fees in connection with the wrongful foreclosure are {$5000.00}. The highly paid attorney purposefully never filed the notice with the court so they can continue to generate fees on me. This mistake is by design to keep the case open and continue to generate fees on me. 

Fay Servicing LLC, you are put on notice. I will pursue justice either through legal action and or social media campaign against you. You should immediately remediate your wrong doings against me. You cant hide under the cover of Regulation-X and making all the exorbitant fees without consequences. 

Please file the notice of voluntary case dismissal and discharge of XXXX XXXX with the XXXX circuit court immediately and refund me the advance in the amount of {$3800.00} that I have paid and discharge the outstanding fee in the amount of {$2300.00} in my account.
Consumer complaint received 2023-01-18
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

I've been having very frequent card decline errors using my debit card when there's more than sufficient funds. Often I get a text fraud alert and I enter the required information ( press XXXX  ) to release the fraud block. This doesn't normally resolve the problem and I don't get to release the card without a lengthy call with Citibank. This is happening way too often and makes it nearly impossible to use my card in a store knowing there's little confidence a transaction gets processed. I've called and pleaded with Citibank several times to help resolve and despite telling me they're escalating the problem was never resolved. This includes telling me there's an issue with my card and issue me a new one. This never resolved the issue.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

a fraudulent rental lease was opened under my name, according to the XXXX account it was in XX/XX/2024 and there is a collection debt of {$3600.00}, ive never owned or applied for any type of apartment ever, i have a house and im not sure who was behind this fraudulent rental lease but it really hurt my XXXX XXXX ACCOUNT : NATIONAL CREDIT SYSTEM ACCOUNT # XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt 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, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (FL)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX - XXXX and XXXXXXXX - XXXX.
Consumer complaint received 2020-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I sent someone money for hockey tickets. They took the money and never sent me the tickets. I tried to contact them multiple times afterward to refund my money and they blocked my number. XXXX with Zelle does not offer any refund services in case something like this happens, unfortunately there are scam artists out there who take advantage of people and Zelle does not care.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NC)

AMERIFINANCIAL SOLUTIONS a collection agency has repeatedly attempted to collect a debt on separate occasions for what should be a SINGLE medical bill. Each attempt to collect was posted to my credit report as 4 collection accounts. The amount of each collection was {$330.00}. I have four in total listed on my account with separate post dates. There was only one hospital visit. These people have called and been persistent some even threatening. I attempted to dispute these claims with XXXX XXXX but they keep coming back as accurate. Which only ONE should. But with the collections all being reported to the same company is making my amount owed inaccurate therefor dropping my credit score drastically. Also very concerned about a release of my medical information which violates HIPPA act.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I spoke with an employee with XXXX XXXX XXXX. about account # XXXX for the amount of {$3300.00}. I informed them that the debt did not belong too me and that I was a victim of Identity theft and this account is fraudulent. I asked the employee for verification of all original documents with my signature to be sent too me by mail and email and I never received the documents from them by mail nor email. They refused to delete the debt unless the amount of {$3300.00} was paid plus an additional {$1000.00}. The address tied to this account is located in a complete different city and state then the actual apartments that is listed with this debt. The landlord I did business with at the time the debt took place may be contacted to provide any information that's needed.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ERC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-11
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have contacted the credit bureaus and FIFTH THIRD BANK, NA to remove these 2 accounts. The 1st one was opened on XXXX XXXX, XXXX ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The second one was opened on XXXX XXXX, XXXX ( 7 yrs, 11 mos ) which also make it obsolate under the 7 years statute of limitation the FCRA. The accounts are also fraudulents.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC (MO)

On XX/XX/XXXX I received a phone call stating that a XXXX XXXX had received my file via fax and she was going to serve me court papers on Friday XX/XX/XXXX. They also left this same voicemail with my name on three other peoples phone. I called the number back and spoke with a guy who said I owed XXXX from XXXX. He said it was for a bank account and I asked him to send me information on what I owed. He said the only way I could see that is if I didn't pay and got sued. Then I could ask for it from the Judge. I told him I would not pay this without seeing what the charges were for. They have called me 2 more times today.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (DC)

XXXX XX/XX/XXXX I made an withdrawal from my savings account in the amount of {$1000.00}. On XX/XX/XXXX I attempted to withdraw {$1000.00} available funds from my same account, on several attempts of attempting to withdraw the funds, they were not made available, unknown reasons, but not NSF. On that same day, I called NFCU customer and spoke with supervisor XXXX, which she did not identify a reason for the savings account error. After XXXX verified the funds, she manually lifted the savings account error. On XX/XX/XXXX I was made aware that my account was overdrawn. I do not understand how it is possible for my savings account to become overdrawn, NFCU has not cooperated.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received a notification from Capital One on an account ending XXXX that XXXX, XXXX, and XXXX reported the account as fraud. Causing Capital One to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This Capital One account was not among the disputed accounts. Capital One is allowing known mistakes like this rather than contact the customer. Looking on the internet reveal that Capital One is well aware of this issue with the credit bureaus. Why is Capital One not requesting a copy of the customer fraud claim from the credit bureaus. It's took UNVERIFIED action against me ... And that without a call to me ...
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I received a notification from XXXX XXXX on an account ending XXXX that XXXX, Experian, and XXXX reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I HAVE SEVERAL INQUIRIES THAT ARE FRAUDULENT ON MY ACCOUNT. THEY DO NOT BELONG TO ME AND THEY ARE STOPPING MY ABILITY TO OBTAIN CREDIT Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : CA XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

These Fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX
Consumer complaint received 2023-03-28
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2020, {$10.00} amount charged by XXXX ( Merchant ) My bank is Chase. 

I disputed this charge with Chase and was given a credit for the amount of {$10.00}. I was also mailed a new debit card. 

On XX/XX/2020, a claim reversal ( ID # XXXX ) appeared in my Chase Checking account and I was charged {$10.00} causing me to overdraft. I am currently unemployed and do not have any money til XX/XX/2020 and I now have to pay an additional {$34.00} overdraft fee.
Consumer complaint received 2021-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Follow up from the previous two ( 2 ) complaints that were closed, without my issue being addressed correctly. 

case # XXXX and case # XXXX Affidavit of Truth and Notice of Default and Opportunity to Cure has been sent. XX/XX/2021 & XX/XX/2021. 

The Affidavits and Notices have been ignored and/or responded to incorrectly. The responses from your company also clearly show that my rights have me violated under the FDCPA Laws. 

You can not validate a debt. 15 USC 1692g.

You can not state that I owe your company anything.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting In accordance with the Fair Credit XXXX XXXX  Account # XXXX is violating 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. Code 1692c - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S. Code 1692b - Acquisition of location information - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information.
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (DC)

I did not consent to authorize nor benefit from any of the following inquiries. 1. XXXX - XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX 6. XXXX - XX/XX/XXXX
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KY)

NewRez Servicing currently services my residential mortgage loan. On XXXX, I paid off the loan in full and received an informal acknowledgement of that fact. However, I have not received any formal documentation showing the mortgage release. Secondly, XXXX, XXXX, and XXXX all show that the mortgage loan is still open with a balance. On approximately XXXX, I called NewRez Servicing to get this corrected. After an extended hold, I spoke with a representative. She stated that they had already sent a mortgage release letter ; however, I never received it. She stated that she would send a second letter. As of today, XXXX, I have not received that documentation. 

I also told her that my credit bureau information had not been updated to show that my mortgage had been paid in full. She connected me with another representative. He stated that he would have this corrected. As of today, I still have not received any documentation from NewRez showing that the credit bureau information has been updated.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

Dear Early Warnings LLC, I am writing to formally request the pulling of my consumer report. Please find below the necessary details for processing : Name : XXXX Date of Birth : XX/XX/1987 Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX I understand that this request may take some time to process, but I kindly ask for your prompt attention to this matter. Please inform me of any additional steps or documentation required from my end. To send a copy to my email, my email is XXXX. 

Thank you for your assistance in this matter. If you require any further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (CT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or correct the following items that are hurting my credit. 
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