davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Transunion on XX/XX/2024. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Instead of responding back with the results. They sent a stall letter stating that I am working with a credit repair company in which I'm not. I did use a software to help with the letters. There is no law stating that I can not use a software or seek professional help if I choose too. I also submitted a copy of my drivers license, proof of residence and my social security card to verify my identity. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-02-06
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: Sequium Asset Solutions, LLC (TX)

XXXX has already been notified that XXXX  XXXX university is improperly collection {$150.00} and it has been removed from the XXXX  credit profile listed in my name previously, i need this to be reomved immediatly as it has been removed.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (MN)

I am a customer and have an impeccable payment history with JD Byrider. My car was totaled and I was given a new one by Byrider. They insurance paid the value and I was asked to pay the rest. I did. They refused to give me the car I paid for. Regarding the new car, I have made the payment payments on time. I have to call each time to make the payment. Many times I call no answer I have to call back. I called last Friday and no answer. I called Saturday a d the manager refused to accept my payment asking why t did not call on Friday. I told him I called and he said they were busy and I should have called back so he will reposes my car, even though I am not behind in my payments. Also from the start and during the last conversation I informed him to put my card on file for automatic payments he refused and wants me to call. I have a job and work and can not call every Friday, whilst at work. I don't owe and he said he will put my car for repo 's by refusing my Friday payment o. Saturday when I got a hold of them
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

On XXXX I received a called from a company called XXXX XXXX and the number popped up a several XXXX United stated they left me a voicemail saying that if I dont pay my debt I will be given papers to show up to court in the next two days. Then 10 minutes later my mother received the same voicemail for me so I call them back immediately. 

I called them and they said I owed Wells Fargo XXXX and if I went to court I could pay up to XXXX in their legal fees unless I settled it on the phone with them with 6 payments of {$160.00}. I made an initial payment of {$160.00} and was suppose to receive and email that I needed to sign that should have contained their information but I didnt so I didnt sign. When I called back asked for their address website anything to check their validity he offered to refund my money and wished me the best of luck and hung up the phone. I received receipts from a company called XXXX XXXX XXXX for the initial payment/payment contract for 6 months and the refund. I asked for their website and he said XXXX and it didnt work. I called back later just asking questions pertaining to them and he said all they had was XXXX. XXXX and their website was XXXX but both sites didnt work. The number I called them from was XXXX and he said his personal number was XXXX his name was XXXX XXXX.
Consumer complaint received 2019-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

URGENT!!!!! SALE DATE TOMORROW FRIDAY XX/XX/2019 I am a crime victim. My home was stolen through a title crime by two time felon XXXX XXXX XXXX through a forged Deed transfer which took title out of my name. XXXX was arrested on XX/XX/2019 in XXXX County for Mortgage Fraud and is currently in jail awaiting sentencing because he could not meet his bail of $ XXXX. I was in the middle of a loan modification and error process when my servicer Bayview Loan Servicing , LLC abruptly stopped it and dual tracked me to a foreclosure sale, for lack of holding legal title, knowing it was a criminal that stole my title. They are well aware of this title crime yet continue to conceal it in order to pass it off as a marketable title foreclosure sale. It DOES NOT have marketable title as it is tainted by forgery. This is a federal crime. Under legal statutes they are required by XXXX to report this in a Suspicious Activity Report ; Not use it to their advantage. My title shows XXXX XXXX, alter ego XXXX, as owner. They are not only aiding and abetting but they are selling a property that has been used in a crime to an unsuspecting buyer at a foreclosure sale.
Consumer complaint received 2022-01-06
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (MS)

XXXX XXXX violated my rights as a federally protected consumer. Pursuant to 15 U.S. Code 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Upon reaching out to them, I requested VALIDATION of the ALLEGED debt. In return I received VERIFICATION the ALLEGED debt. Pursuant to 15 U.S. Code 1692c ( b ) I demand that XXXX XXXX cease any and all communication with myself and ABILITY RECOVERY SERVICES and the 3 major credit reporting agencies. I also demand that the account is removed from my credit report.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Seattle Service Bureau, Inc (GA)

National Service Bureau, Debt collection agency contacted me to state that they are going to sue me ( the first time I spoke with them ) and that I took out a debt and continues to call and hang up on me. After notifying the agency that I would be contacting my civil attorney in regards to disputing this debt, XXXX, the debt collector continued to hang up on me after I tried several times to have a conversation with him in regards to this account. He then called my home phone number leaving a message asking for another person who is not my spouse to talk about my debt.
Consumer complaint received 2024-03-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (GA)

Per FCRA 15 U. S. C. 1681, I have requested proof of debt, my signature on any documents stating I agreed to pay said alleged debt and records of a payment history for the alleged debt. This alleged debt states that the loan originated in XXXX. This alleged far exceeds the time frame for such alleged debt to remain on my credit file. 

I have asked that the alleged debts be removed from credit file. It appears on my credit file twice with different amounts but the same account numbers.
Consumer complaint received 2022-01-06
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. (TX)

Reviewed my credit profile and saw an authorized account XXXX XXXX. I find that strange because I have never lived there. The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

When I opened the checking account, I was told that if I maintained a {$100.00} balance at then end of the month, I would not be charged fees. Apparently they now say this information was incorrect and they have been charging me fees. In addition, they have over 20 min wait times and have denied transactions with money in my account.
Consumer complaint received 2021-09-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Back in XXXX of XXXX my loan servicer was XXXX at the time. I was going through some financial issues related to Hurricane Harvey and was nearing the threat of foreclosure. To stop this from happening I applied for loss mitigation in XXXX of XXXX. By the time the possible foreclosure date got around I had not been approved for loss mitigation yet. This resulted in having to come up with {$23000.00} to send into XXXX XXXX hired law firm, XXXX, via cashiers check to keep the house from foreclosing on XX/XX/XXXX. Conveniently on XX/XX/XXXX XXXX approved me for loss mitigation and I went ahead with signing the loss mitigation paperwork. I notified the law firm, XXXX, to not cash the cashiers check that was sent to them as they no longer needed those funds to come current. I went back and forth with XXXX  for about a month and finally they notified me that XXXX requested that they send the check to them directly. XXXX ended up cashing this check on XX/XX/XXXX in which I confirmed with XXXX  XXXX XXXX that is was officially XXXX  who did cash the check. With this being done, there was no reason to keep the lien on my home from HUD. Nor was this additional {$23000.00} reflected on anything. My loan was then transferred to Dovenmuehle on XX/XX/XXXX. 

Come present day, I am in the process of trying to sell my home and the only item keeping this from happening is the XXXX that was wrongly put on the house by XXXX  or XXXX  knowingly cashed a check that should have not been cashed. After dealing with XXXX for over a month they notified me on XX/XX/XXXX that I have to get this lien removed by Dovenmuehle. Why this was not said to me We have even reached out to XXXX  and they informed us that " Dovenmuehle recorded the mortgage in HUD 's name but they haven't filed a partial claim with HUD yet. '' I reached out to Douvenmuehle whom is my current lender to seek immediate help and was given the same routine as XXXX gave me. Basically fax all information to their research department and I would hear back in 48 hours. Mind you, the overwhelming amount of evidence and documentation that has been sent to both lenders should make this a very easy process. I called today, XX/XX/XXXX, because I had not heard anything back and was told that I had to wait 72 hours before getting a response. I am at a point to where I am threatening legal action and the representative said they would escalate to a manager in hopes that I hear back soon.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (IL)

I have a Barclays Frontier credit card, and I noticed that my miles expired in XXXX of XXXX. I called today, XX/XX/XXXX and asked why their expired and spoke to an extremely uneducated customer service rep, XXXX. I was told that if I don't use the miles within 90 days then I lose them, which I know is incorrect -- the miles are dependent on credit card usage. I called Barclays and let them know that at the end of XX/XX/XXXX I was getting stationed to do XXXX XXXX in XXXX, and would not have the ability to use a credit card as XXXX does not have the infrastructure to support credit card usage. I advised them that I would not be able to use the card for close to a year ( we were XXXX XXXX for XXXX XXXX ) They told me they would honor this as an exception and my miles would not expire. I came back from XXXX a couple weeks ago and noticed my miles expired. I am extremely upset. I would like to get my miles reinstated, XXXX miles to be exact. I'm sure there must be some documentation of my phone call with the bank in XXXX. My FlyFrontier Membership number is XXXX, I have been a member since XXXX of XXXX and have been storing my miles to use them for a trip one day, I am now ready to book my trip and of course they have wrongly expired my miles.
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RentDebt Automated Collections, LLC (OH)

This complaint is again st Rentdebt Automated Collection, w ho 's addressed is listed on the credit report as  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  TN  XXXX .     This is the address I sent certified letters to request them to verify the debt the letters where not deliverable evidence of the attachments provided.     As you can see this complaint was initiated against the credit bureaus,  XXXX ,  XXXX  and   XXXX   to show the collection agency did not provide me with validation of the debt because they have a address that is undeliverable by mail. This was my augment why the debt should be removed.     The debt as reported on the  XXXX  credit bureaus mentioned above is {$4000.00} which is not my debit and should be removed. I found online the same company claiming someone else owes nearly the same amount, the person making the complaint posted it online, below i provide a brief example of that post.     I feel because the debt collection compa ny Rentdebt Automated Collec  tion had  a incorrect address for me to seek validation of the debt it should be removed.        XXXX  CFPB review In progress  XX/XX/XXXX   XXXX  CFPB review In progress  XX/XX/XXXX   XXXX  CF PB review R esponse disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX  CFPB review Response not disputed  XX/XX/XXXX   XXXX   XXXX ,  XXXX  Online Complaint I found onlin e : RENTDEBT AUTOMATED C OLLECTIONS RENTDEBT AUTOMATED COLLECTIONS Contacts & Information Posted :  XXXX  Unknown Bill Complaint Rating : 100 % with  XXXX  votes Contact information :  XXXX  at the  XXXX   XXXX   XXXX , Texas United States This company is claiming debt is owed on an apartment rental. They calle d six month s after we moved out saying we had been sent to collections for a broken window. Actually, I 'm not the one who received a call my roommate did. I did see it on my credit report though. This is crazy. No window was broken and no bill was ever sent out. If they do n't make a claim within 30 days of moving o ut ( a   stretch in my opinion ) it 's a bogus claim. Anyone could have broken a window if a window was broken at all. This place went through  XXXX  managements in the 6 months we lived there. They 're poorly run. Then this collection company states we owe money. I 've yet to see a bill on this claim or a call. I refuse to pay for something I did not do to a company I do not think is legit.     This company is so crooked. I moved out of  an apt complex over  a year ago. When I moved out, the management tried to say I left almost {$4000.00} worth of damage. What a bunch of  XXXX . I disputed the charges via certified letter. I then get a call from this sham of a company stating I owe them this money. I sent them a copy of the dispute and I never heard anything else from them. But today I found the collection on my credit report even after I sent them proof.
Consumer complaint received 2024-03-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION (GA)

So over the past months i've been trying to an accurate mortgage loan from the original company XXXXXXXX XXXX and the debt collector M & T Bank .. On XX/XX/year> XXXX stated they did a wire transferred for {$350000.00} to the closing attorney office to cover the loan .. Now M & T Bank who purchased the debt as stated by XXXX XXXX stated it was $ XXXX that was transferred on XX/XX/year> .. Not only did M & T Bank ILLEGAL purchased the debt but their loan total is about $ XXXX more than the original mortgage company as stated in the attachment..
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company (TN)

Frost- Arnett company Account number is XXXX master number is XXXX my balance is XXXX. 

I made arrangments with them to pay XXXX a month and i have been online for a while now on their website, however they made a change when i tried to pay them the XXXX i was paying, the website would only accept a higher amt like XXXX and i could n't pay that at the time, also i did send in my payment by mail for XXXX dollars. I think the broke FDCPA law because they asked for a higher amt to pay online and when i tried to pay the XXXX the website wouldn '' t accept it. ALso because ofthis it was placed on my credit report when i was making payments i dont't think that is right. I have made a agreement and it wasnt honored. that upset me as a consumer. I would like for this matter to be handled. I dont have a issue paying my debt just dont like the way the website forced another amt on me. and had to get a stamp and send a payment.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

In XXXX XXXX my mortgage was sold to Rushmore Loan Management. Since then I have made payments on XX/XX/XXXX and XX/XX/XXXX, of which, Rushmore states they have not received. I have provided them electronic transfer numbers as well as " Confirmation of Funds Transfer '' letters from my bank ( XXXX XXXX ), on numerous occasions, confirming they have received the funds and when the funds were sent. Rushmore keeps calling stating that they have not received the documentation nor the payments. They also state that if they do not receive a payment from us, we will go into default and will have negative reporting on our credit. 
Rushmore only allows you to fax the proof, and then claims they never receive. Surprised that they do not offer a more 21st century method of providing this information. 
For a servicer as large as Rushmore, they really need a better solution to their accounting of monies received. 
I have never missed or been late on a mortgage payment, and this is extremely frustrating that they can not seem to resolve the problem. It is companies like this that give the mortgage industry a bad reputation.
Consumer complaint received 2022-02-19
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)

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished.

I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 

Please provide the written instructions that I, the consumer gave to XXXX XXXX XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account XXXX  XXXX XXXX XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX : XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

I filed a dispute regarding a bankruptcy having been reported on my credit reports from LexisNexis. The dispute was reported as valid, however, US Bankruptcy Court does not report, verify or validate to any credit bureaus in accordance with the US Bankruptcy Court XXXX XXXX XXXX XXXX Therefore, this information was not validated by any credit bureau as confirmed and was not authorized in writing. In accordance with 15 USC 1681, the credit bureaus reporting of this information is in violation of my rights. I filed disputes in XXXX, XXXX, XXXX and the credit bureaus stated the information was validated and was a lie. Therefore, this information is an error and need to be removed from every credit bureau including LexisNexis, XXXX XXXX XXXX XXXX XXXX