davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Service of Central Washington, Inc. (WA)

I am writing this complaint against XXXX XXXX XXXX in XXXX XXXX, WA. Specifically a lady named XXXX XXXX XXXX. I called her back in the beginning of XXXX for a debt from a landlord. She threatened to 'see me in court ' and hung up. I called back and asked to speak with someone else and they persisted to transfer me to XXXX XXXX. They have proceeded with court and so I responded with a letter and filed it with the courts. 3 weeks later got a letter from the attorney saying I had failed to respond and somehow got the judge to sign off on it. So I let XXXX know that I in fact had responded. In that conversation, I again tried to compromise on a monthly amount ( I had in the past and she was unwilling to budge at all ). We settled on XXXX a month but I informed her that I get paid on the XXXX and XXXX of every month, She then said nope we HAVE to have a payment in by the XXXX. I told her that waiting a weekend until the following Monday wouldn't hurt. Still unwilling to budge. Unless you do exactly what they want when they want it, it doesn't work for them. I have reached out to my community to see if they have had any issues with them a TONS of people stepped forward to say that they all have been treated very poorly, one even thrown in jail and a warrant out for their arrest. I dont understand how the courts keep letting this agency do the things they do and treat people the way they do. Everyone makes mistakes, everyone has debt, doesn't make you a bad person or worthy of that kind of treatment.
Consumer complaint received 2022-09-10
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-09-10
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

on XX/XX/XXXX I was contacted by XXXX XXXX XXXX XXXX. I was given information that was I qualified for a loan forgiveness program to help me pay off my federal student loans. I agreed to allow XXXXXXXX XXXX to find a program that would work for me for an approximate {$8000.00} fee that would be taken out of my account in monthly payments. At this time I was not informed that my loan would be reconsolidated by another loan company called Navient. I was also not informed that by reconsolidating my loans it would cause me to loose my 18 months out of the ten years of on time payments made to XXXX XXXX that would qualify for the 10 year forgiveness program.On XX/XX/XXXX I was contacted via email by a representative named XXXX ( XXXX ) phone number ( XXXX ) XXXX informing me that some paper work was still needed in oder to complete my application. On XX/XX/XXXX I decided to do some research by contacting XXXX XXXX directly I was informed that I was already enrolled in the " pay as you earn '' repayment plan and I could easily enroll in the public services loan forgiveness plan by simply filling out and sending in an application. At this time I realized that I had been scammed. I was paying {$8000.00} for a service that was not only free but not in my benefit in regards to loosing out on the 18 months already vested. I immediately contacted management in XXXX XXXX XXXX XXXX and spoke with a manager by the name of XXXX. I XXXX apologized for the misinformation and said he would make things right by reimbursing me my money, which he did, and immediately stopping and further process with my loans. 
On XX/XX/XXXX I contacted XXXX XXXX to inquire about my account when was informed that my accounts had been reconsolidated and sold to Navient loans. I contacted Navient where I was told that they did send me out a letter to my home informing me that I had 10 days to stop the process of the reconsolidating. When the representative verified my home address it was completely incorrect! As well as my email address was incorrect! I was never given the opportunity to cancel before the 10 days because my address!!! this is why I am filling a complaint. plained my situation and told him I wanted to cancel my poor arrangement with XXXX. C
Consumer complaint received 2022-09-10
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2020-07-15
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DAS Inc (CA)

XXXX XXXX w/ Collectrix garnished {$2500.00} from my wages and put a lien on my property for a debt I did not owe. It was the result of ID Theft. 

In addition he has threatened to sue me again, attempted to increase the amount of the original garnishment / judgment and now refuses to return the money after a Notice Of Entry Of Judgment has confirmed I was not the responsible for this debt. 

The courts also found he was not authorized to proceed as the assignee of the claim. Yet he garnished {$2500.00} and still has a lien on my property.
Consumer complaint received 2020-04-27
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

When they changed my address they put a typo in your first name. Now the want me to send them info in the mail that Im not comfortable with, like my social security number. They ask for Id, s I dont have like bills with my name that are in my husbands name and aXXXX ; Im retired. The dozens of questions they ask for me to verify who I am are ridiculous. They seem unable to go back three months and see my correct name.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

I recieved an adverse action letter after applying for a credit card with PayPal. The letter informed me that I was denied credit because there is an identity theft freeze on my consumer report with XXXX. What law requires a credit check or credit score for an consumer 's credit to be extended to them? I was denied my right to credit and the equal opportunity thereof which has caused me headaches and added day to day stress because I am unable to use my credit to attain my families needs.
Consumer complaint received 2021-11-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have started disputing inquiries with TransUnion since XX/XX/2021. These inquiries are not valid because they are for business credit which I did not authorize to have placed on my personal credit report! I wasn't even told it would be. When I sent in my disputes in XXXX, I never got an answer from TransUnion so I sent another dispute on XX/XX/XXXX. When they didnt respond AGAIN, I sent another letter on XX/XX/XXXX and this one was sent through certified mail, which they received and I have included that delivery confirmation.
Consumer complaint received 2023-02-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Amendment to XXXX : Just rec 'd escrow stmt dated XXXX stating my acct has a shortage of {$5.00}. This after CHASE refused to deposit my my full {$300.00} check to escrow to cover past and projected shortages, then applied {$200.00} to principle without authorization. CHASE demands my payment be increased as CHASE refuses to accept escrow funds for projected shortages. People need to keep their payments low in the event of hard times such as NOW! CHASE insists they are just following the rules but refuses to give me a copy of the rule or explain why the rule must be enforced if it is satisfied. Surely the satisfaction of the XX/XX/12 rule by a sufficient escrow balance should void its implementation. CHASE is insensitive, unreasonable, unfair, and abusive.
Consumer complaint received 2018-02-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

I received a XXXX title loan for my XXXX XXXX. One of my family members was XXXX and I took out the loan to help that family member get out of XXXX. My family member got out of jail and didn't pay me back the funds that he assured me that he would return. These same funds were supposed to pay my title loan back. My loan was due on XX/XX/XXXX. ( Today is XX/XX/XXXX ) I've recently been terminated from my job further preventing me from paying my loan. I advised the title loan company that I'd like to just voluntarily surrender my vehicle ( which still runs ) and allow them to redeem the vehicle for whatever it is valued at. My vehicle is currently valued at around {$1200.00} at this point. XXXX XXXX XXXX advised me that they didn't want the vehicle and advised me that if I returned the vehicle then they'd just let it sit in front of the store. I advised the representative that I understood the process and that if there was a remaining balance that I'd try to settle it once the vehicle was sold at auction. The representative confirmed that they didn't want the vehicle because it's in their best interests to allow interest to build up on my account. I advised the representative that once I surrendered my vehicle then the interest should stop accruing to which the rep responded that that's not always true. I advised representative that these are predatory practices. Representative told me that he didn't have anything else to say. Advised representative to cease and desist with calls. Representative told me that Cease and Desist laws doesn't apply to my loan. Representative 's name is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (NV)

I REPORTED TO XXXX XXXX XXXX  THIS IS NOT MY ACCOUNT THEY SENT ME A FRAUD AFFIDAVIT AND I RETURNED IT TO THEM. I HAVE PAPER WORK I PRESENTED TO THEM TO SHOW INFORMATION WAS INVALID AND INCORRECT YOU CAN NOT REPORT INACCURATE INFORMATION TO THE CREDIT BUREAU. I AM ASKING THEY REMOVED UNTIL DISPUTE IS SETTLED ANF THEY HAVE A OFFSET AGAINST MY FEDERAL RETURN.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Vehicle was paid off on XX/XX/XXXX they are reporting loan still active and late for XXXX. I have made four calls and disputed with all three credit agencies. Still showing active and late payment. Today the denied us for a new loan for another vehicle. I have hit road block after road block with this issue. 

Company is XXXX XXXX
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (VA)

I have a chase bank account, and they have blocked my account and debit card. 

I called numerous times and they are unable to verify me by my name, social secruity number, and Driver lciencse number. They always say I am not in their system I always get the message when logging in to provide my SSN but they always reject me!
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

I have tried to contact AES numerous times with no response. 
They are charging interest during the COVID crisis. 
The student loan industry is such a scam to begin with! 
I recently saw with an original loan of XXXX, I have already paid XXXX apx. 12,000 in interest. 
It is disgusting that the government and these corporations can get away with this. 
AES has never been able to provide me with documentation to show how this interest has accumulated. I have filed a previous complaint and the CFPB didnt do a dang thing! 
The people are going to start to getting loud about this corruption, we wont stand for this much longer.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

I am administrator for estate of XXXX XXXX, all documents were sent to Roundpoint Mortgage in order to communicate with them. The mortgage loan for property was paid off on XX/XX/2024. I waited untile 30 days later to inquire about refund of escrow account and additional interest that was remitted to payoff loan. I was assured check was coming, and confirmed my mailing address, and capacity to receive as administrator for the estate. Subsequently, loan status is shown as paidoff, and I am unable to reach anyone via phone, nor email. I have sent emails re status of refund, no response, and when calling am hung up on. You simply can not reach a live person. Legally they are required to remit funds with 21 days after loan paid in full. It has been well over that. I need an accounting and check as the probate referree needs this information as well.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX  XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ACIMA DIGITAL FKA SIMP failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ACIMA DIGITAL FKA SIMP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ACIMA DIGITAL FKA SIMP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2018-02-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (SC)

We were awarded a loan modification XX/XX/XXXX for {$4000.00}. We had to file again in XX/XX/XXXX. A process that took 16 mo, only to be told we didn't qualify. Placed us in foreclosure. I had to take other measures to save our home. Only to find out that the company was awarded {$5800.00} on our behalf. Why were we in foreclosure if the money was awarded to them?
Consumer complaint received 2023-07-25
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: Loqbox US Inc (FL)

In accordance with the fair credit Reporting act Loqbox Account XXXX XXXXXXXX, has violated my rights.

1

5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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. 

Loqbox XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX