davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX  Balance : {$8900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$9100.00}.
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MA)

Paid balance owed as of XXXX XXXX and tried to close the account. 
Incurred an interest charge on XX/XX/2021 billing cycle as normal, on top of a late fee. 
This went unnoticed by me for a month since I thought the account was closed. 
XXXX XXXX delinquent account reported negatively affecting my credit. 
Have email from XX/XX/2021 stating account was closed. 
Total email count from bank saying account is XXXX balance and closed is XXXX. 
These people are going to try every month to charge interest and late fees on XXXX balance and a closed account until forever.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CT)

A more than {$4000.00} charge from company XXXX XXXX was charged to my Chase credit card. I disputed the charge with XXXX XXXX the XXXX, and Chase who all told me that the charge was legitimate and can not be reversed. Chase told me that since XXXX had my card information that they were allowed to just charge my card whenever they want for any amount, and I can only dispute if they don't subsequently provide me with a service. I have not received a service from XXXX XXXX, and I did not authorize the charge to my card. The first person I spoke to at Chase told me it would be reversed, and then a second Chase rep called me weeks later to tell me it will never be reversed. Please help me reverse this fraud.
Consumer complaint received 2016-06-09
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: National Management Recovery Corp. (NMRC) (TX)

I retrained a payday loan from XXXX XXXX XXXX. I ended up losing my job and was unable to find work. I contacted XXXX XXXX XXXX and notified them of me not having a job. They told me they would notate the account and it will hold up for 30 days. After the 30 days I was still unable to find work. On XXXX/XXXX/16 I received a call from XXXX XXXX from XXXX XXXX XXXX or ( XXXX ) law firm on behalf of Receivable Management Services. XXXX XXXX was really rude he told me if I did not pay today that I will be served papers for Fraud & my debit will go on my credit. I contacted XXXX XXXX XXXX to ask them if I can get a payment plan and they directed me to Receivable Management Services and they so called transfered me to the legal department. I continued to ask XXXX XXXX if he was in the same office with RMS and he refused to answer the question. I then asked where he was located and he told me florida and hung up the phone.
Consumer complaint received 2015-08-19
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc. (GA)

My deceased mother had a reverse mortgage on her home and upon her death the contract required the home to be sold. As the her son and the Executor of her estate I listed the property with a XXXX in XX/XX/XXXX and the listing could be seen and verified through the XXXX service and seen on XXXX. Since XX/XX/XXXX there has been a qualified buyer for the property, all documents, procedures and financing has been submitted. The home was approved for a Short Sale by R.M.S ... ..Reverse Mortgage Solutions, the company servicing the reverse mortgage based on the current appraisal amount and current market value of the property. As of XX/XX/XXXX there has been an issue with the way RMS is handling the procedure with the pending sale. They have stopped communicating as they were with the Realtors for both the buyer and seller, the assigned representative that we were in touch with no longer responds to emails or returns calls. I have not been able to speak with anyone directly by phone and when I call the toll free customer service number and ask to speak to someone about the status of the case, the call is transferred to a recording that states the person you are trying to reach is unavailable, leave your name and account number and someone will return your call. This is what is occurring at the same time the buyer has submitted everything required and is ready to complete the purchase of the home. 

The second issue is with the letter I received dated XX/XX/XXXX from a local Attorney 's office stating that R.M.S. has filed a " Notice Of Acceleration and Foreclosure '' on the property and the Foreclosure sale is scheduled for XX/XX/XXXX. It now seems that R.M.S has lead me, the Realtors and buyer on that the sale was in process and a closing date upcoming, when in fact they were in the process of foreclosing on the property and simply stalling by not communicating.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NJ)

My home number XXXX is called repeatedly by debt collectors. Commonwealth Financial calls, asks for XXXX and then hangs up. They do not identify themselves. I had to call the number back to get the name of the company. 

I am not XXXX. I do not know XXXX and have never known any XXXX 's. I have had this phone number since 2003.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cedars Business Services, LLC (CA)

While in XXXX allegedly a camera issued an electronic restricted parking violation. There was no paper ticket left with the car, no person present that issued the ticket, no photographic evidence showing the car was near a sign specifying no parking. There is no proof of any kind of a violation other than the XXXX/ debt collector 's paperwork that is in XXXX and they could translate. This is a scam.
Consumer complaint received 2022-08-09
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

Release hold on credit cards and accounts. 

XXXX WAS SUPER RUDE, and could not provide federal documents to verify after 2 months of the account opening now you asking for this and military orders. 

I HATE THAT THIS NAVY FEDERAL CREDIT UNION IS ASSOCIATED W/ MILITARY AND BEING TREATED LESS THAN. AS A XXXX XXXX XXXX, I CAN BET MY WHITE counter partners WAS GOT SPOKEN TO, LET ALONE TREATED IN THIS MATTER. 


Thanks
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax XXXX XXXX is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and XXXX XXXX XXXX, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to report about me to any XXXX party, and I have a right to privacy which is attached to this complaint. 
Equifax XXXX XXXX and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ).

U.S. SUPREME COURT RULING- NO CORPORATE JURISDICTION OVER THE NATURAL MAN.Penhallow v. Dane 's Administraters ( 3 U.S. 54 ; 1 L.ed. 57 ; 3 Dall. 54 ), A corporation can neither practice law nor hire lawyers to carry on the business of practicing law for it.

( People V. California protective Corp'n, 76 cal app 354, 244 pac. 1089 ) I, the alleged debtor, the federally protected consumer, a natural living being of majority status, and not an infant/minor will also Subpoena an IRS 1099 Compliance Audit from Debt Buyer, Debt Collector, Original Creditor and any Party in Interest of the alleged debt if litigation is required ( DBA v Snow, 2006 ).

Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
Identity Theft Report Power of Attorney, XXXX Notice, Fee Schedule Opt Out Notice ( XXXX ) Name Copyright Passport Card Invoice
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OK)

I received a letter from XXXX XXXX XXXX XXXX saying I owe {$1000.00} the creditor is paypal and I haven't used PayPal for quit some time nor do I have any type of credit card with them my balance is XXXX with paypal tried to call the collector but can't get anyone to answer The account number on the letter is XXXX I need this handled as I don't want this on my credit thank you
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WA)

I received written notice that my home loan was transferred from XXXX to Shellpoint. 
Now both XXXX and Shellpoint say they do n't hold the loan. 
I have made repeated phone calls and sent many emails to both companies, still both claim that they do not hold the loan.
Consumer complaint received 2016-07-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: QuickClick Loans of Illinois, LLC (GA)

I have a loan I lost my job due to car accident it 's XXXX and I would not drive I am waiting on XXXX I told them that want I receive my payments I would pay them Several time I told them So they still call me two to three time per day
Consumer complaint received 2015-04-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION (MD)

During my Mortgage signing process in 2007 at my home, the only people in attendance was the Title Company Representative and myself. I am the only person who signed the original documents. The Title Company Representative said that she would sign her section when she returned to the office. I questioned that process, she stated that it was normal to do it this way. A Notary was not present to witness/verify signatures. She also stated that was normal also. She said that a Notary could verify documents after the Mortgage signing process. I have requested original signed documents from Indy Mac/One West Bank, they refused to send the original signed documents. Stated they they were stored in a vault and it would be difficult and take too long to retrieve. Can my home be foreclosed if the original signed documents can not be presented? Also, should a Notary have been present to witness signatures? Therefore, are notarized documents pertaining to my Mortgage signing fraudulent documents since a Notary was not present?
Consumer complaint received 2022-02-05
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

Equifax is reporting a SSN which is not my true and valid SSN. I have sent them copies of my ID and stated that any other SSN or identifying information is not mine and should be completely removed. Because of the wrong SSN number on my report I can not access my reports and identity verification systems can never work for me. This is very frustrating.
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (OH)

We have been making payments on our car loan with Santader for almost 4 years. After consistently running behind last week the car was repossessed. After making 3 payments totaling {$1800.00} and getting the car back I decided to look into the balance we owe on the car, only to find out that we owe roughly $ XXXX less towards the principal than when we first obtained the loan. After questioning this, the customer service representative indicated we have paid almost $ XXXX towards interest because we have been running behind in the interest rate is a little over {$13.00} a per diem. After hearing this I was understandably upset. Clearly we are trapped in a downward spiral financially ... .we had to get this loan because our credit was bad, because of this, our payment was higher, therefore, we were more likely to fall behind, once doing so our credit score gets worse. In the meantime, the bank collects interest only and we have nothing to show for it as we continue to pay the price for our financial mistakes. I would like to understand what rights and protection we have as consumers. I would also like to know if I have a reason to seek legal advise as I think this practice is morally questionable at best if not against the law. Thanks in advance for your review.
Consumer complaint received 2017-09-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Midwest Recovery Systems (CA)

I saw this derogatory claim from Midwest Recovery Systems for a payday loan that i never took out on ( XXXX XXXX, 2016 ) XXXX claims is {$820.00} ; but Midwest doesnt have a original amount of the said debt or a contact number from the original creditor. 
After doing several research have found out its a scam. However they want me to pay them to delete it. I simply told them that if they didnt remove this from my credit i would be suing them for violation of the FCRA and i would be filing a complaint with the Police and i got hung up on. I want this removed from my credit.
Consumer complaint received 2016-07-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I recently tried to purchase a vehicle for XXXX XXXX Nissian XXXX XXXX XXXX XXXX XXXX Ga XXXX. They " supposedly '' had me approved and I signed the paper work and left the dealership with the auto. 3 weeks later after no response from the dealership regarding multiple denial letters I had recieved in the mail I was told I had to return my vehicle because they were unable to get the approval needed. Upon further insights I found they had ran my credit 14 times through various companies making my already poor credit score suffer even more. Making it impossible to even be reconsidered for financing. Just feel this is very unethical and please help.
Consumer complaint received 2016-10-03
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (GA)

I thought I would start this process again as I have documentation that supports my view of this issue. I am being downgraded by Credit Agencies. I have written each and they all take the same view. If they do not receive monthly information form a real estate source they have no obligation to report anything positive or negative on a person. This discriminates against persons who have a reverse mortgage. In fact since you have to be over age XXXX to have a reverse mortgage it discriminates against XXXX.
Consumer complaint received 2017-04-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I had come to a settlement with US bank and after not receiving anything in the mail/email after that, I get a collections letter from collctns agency I had money problems and my account was past due. I contacted them because I was going to do contact a credit consulting company or file bankruptcy but decided to contact them. We agreed to a settlement and thought that everything was closed because I did not receive any kid on mail or email notifying me of the situation. Then, at the beginning of this year a get a letter from an agency stating that my account was in collections for the amount of the remaining balance and when I ask for proof indicating this, I get statements for XXXX and according to portfolio recovery, the account was charged off in XXXX 2013 and then collections. This stories from both sides do not add up because I can not get a letter from US bank who " can not '' email because of securities issues. I think it had to do with US bank being bought out.