davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Systems International, Inc. (TX)

I have notified credit systems international, a debt collector of XXXX XXXX XXXX, as well as XXXX XXXX XXXX directly, regarding an account they opened for an individual ( s ) that fraudulently obtained and used my personal information that I do not know and have never known. I have filed a police report and sent the fraud packet they requested to them via mail and never heard back. I have disputed the debt repeatedly on my credit report and they continue to report negatively on my credit and call and harass me for the debt that I never authorized, and they did not validate properly. I am at my witts end with this company. I had perfect credit before this identity fraud and am now unable to purchase a home with my husband for a fair rate that I deserve because they refuse to do the right thing and remove the reporting from my credit. On top of that, I have been denied credit with many financial institutions due to the impact of this collection, which I should not be held responsible for. I believe the company should be made whole for this debt, but they should purse the individuals at the addresses they offered services to in another city, and not me. I will never do business with them in the future due to the way they have treated me throughout this process, an innocent XXXX party of this debt.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Complaint regarding a refund from Mortgage company : Hello, my name is XXXX XXXX My address : XXXX XXXX XXXX, XXXX, CA XXXX. 
My Phone number is XXXX. 

purpose of this letter is to file a complaint citing violations of " Consumer Fair collection practices ACT '', Fraud and misrepresentation '' against SLS Mortgage company ( Specialized loan servicing LLC ). 

Details of the case : I have filed this case in California with the Department of Financial Protection and Innovation but was instructed by them to file my case in Nevada because my house that i paid the mortgage for is located in Nevada. Address : XXXX XXXX XXXX, XXXX XXXX, Nevada, XXXX. 
My mortgage loan in full with my mortgage company Specialized Loan Servicing, LLC. 
A refund from my escrow account for the the amount of {$2000.00} was supposed to be refunded to me from my mortgage company Specialized Loan Servicing, LLC. since XX/XX/XXXX. 

I have called SLS numerous times and spent hours on the phone the last 5 months talking to mortgage representatives and managers at SLS ( Specialized Loan Servicing, LLC. ), however, without any results and my requests were always denied to send my refund of {$2000.00} with a tracking delivery and without success. I have never received my refund since XX/XX/XXXX till the present day of XXXX, XXXX, XXXX. 
My refund of {$2000.00} was never received. It was supposed to be sent on XXXX XX/XX/XXXX. As of the date of this letter, I have not receive a refund as of XX/XX/XXXX. 

I would like to file a complaint about this mortgage company and their frivolous practices and manipulation of consumers. 

I am asking for full refund for the amount of {$2000.00} plus 10 % interest on the funds that were held and kept unlawful in the collection company 's account. 

The company name is : Specialized loan servicing LLC. 
Their ADDRESS : XXXX XXXX XXXX, XXXX, CO XXXX Amount of Refund : {$2000.00} number : The mortgage company phone number : XXXX The mortgage company fax number : XXXX Please help! Thank you, XXXX XXXX ( XXXX ). and my loan number is XXXX.
Consumer complaint received 2017-12-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MI)

In early XXXX sometime around XXXX XXXX, XXXX a representative from Quicken Loans contacted me about refinancing our existing FHA loan. I advised the loan officer I was working with another lender and told them unless they were able to beat that lenders rates we were n't interested. I had previously been turned down by Quicken Loans for not meeting their criteria ; however, was told they had new programs available which I was assured I qualified for. The lender checked my qualifications and advised me I had been pre-approved through underwriting for the refinancing option at a much better rate than the lender I was working with. I questioned the loan officer at Quicken Loans about the approval because I had been told by the other lender that the only way to qualify for the refinance with FHA would be with the other title holder. The loan officer assured me Quicken has additional options because they are the # 1 FHA lender in the country so they have programs others do n't have. Based on their assurance and approval from underwriting I agreed to forgo using the other lender and pursue the loan with Quicken, who collected {$400.00} as a good faith deposit to use them for the loan and lock my rate until XXXX/XXXX/XXXX. Over the next couple weeks I provided all requested documentation and awaited my closing date. I was contacted by a " Solution Consultant '' on XXXX/XXXX/XXXX who advised me there was issues with my loan and they were working on alternative solutions. Today, XXXX/XXXX/XXXX, I learned there are not any reasonable alternative solutions and they charged my credit card {$400.00} for good faith when they had no intention on ever doing the loan in the first place because they denied the loan with the same information they used to tell me it was approved. They continue to brag about their XXXX XXXX ratings and everyone over there is some sort of executive but nobody makes decisions or manages the process to ensure they are keeping the promises they make and acting in good faith. Ultimately, I am out my original loan with the other lender because Quicken had me cancel that to work with them, the finance charges associated with the {$400.00} deposit, additional charges I made on a credit card based on being assured the loan was approved and would close within 30 days of the original conversation once I had been assured that I was approved and the ability to pursue a refinance loan with any other lender without causing additional inquiries on my credit causing my score to lower due to being beyond the 45 day window of mortgage inquiries allowed as a one time hit. Quicken has ultimately put me in a bad situation where I have made decisions based on their bad business practices and if I pursue another mortgage my credit will be re-evaluated at the cost of my score lowering based on additional inquiries and taken on additional debt with the presumption that I had intended to have already paid off.
Consumer complaint received 2022-04-01
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-02-09
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: LEXISNEXIS (GA)

I have tried several times with dispute letters to have this information removed from my credit report. This information has been housed, furnished, and delivered to other companies that are reporting this information without my consent or knowledge. Not only are they reporting it, but it has also been given to other companies outside of my knowledge. This can of reporting I thought is against the FCRA. There are accounts attached to this bankruptcy that being reporting on my report as well.
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

On XXXX/XXXX/15 I viewed an account alert from credit check agency, phone # XXXX XXXX, they list the following : XXXX/XXXX/15 XXXX is Experian the company name is : XXXX XXXX. Payment Status : Collections in the amount of {$680.00} their address appears as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX
Consumer complaint received 2021-09-02
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. (GA)

I was offered a forbearance due to COVID by XXXX XXXX XXXX  and told that I would not be penalized. However, Experian lowered by credit score as a result and I was penalized for the forbearance with XXXX XXXX after being told that I would not. It is unfair to lower my credit score when I have never been late nor had any issues with my mortgage. I believe that I was misled and told that I would not be penalized when in-fact I was with a lower credit score by Experian. I should have been informed that my score would be lowered as a result of taking the forbearance. My credit score was lowered around XX/XX/2021 but never lowered prior to this time by Experian.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (MS)

I have not overdraft my account in over 4 months, and when it was it was almost immediately remedied. However, my bank Ally continues to hold checks for 5 business days, these are checks from my employer for reimbursements such as mileage and tuition, not checks drawn on a random account. 

It seems to me that this practice suits to assist the bank in collecting overdraft fees rather than preventing them. I have never attempted to cash a check that bounced, etc. I believe they are practicing this solely to attain more money for themselves.
Consumer complaint received 2024-02-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an FTC report XXXX XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which were opened without my permission : 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 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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-01-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc. (IL)

I had a car with Santander Consumer USA. The car was totaled and my insurance paid the car off. This account is reporting late & was never late. My insurance company paid the car off. This reporting does not reflect my credit worthiness, and has severely affected me. I was just made aware of this reporting from my employer. I work with consumer financial info and I am required to keep a certain credit report. This inaccurate reporting can lead to termination of my job, Please correct this and delete this late.
Consumer complaint received 2017-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

According to chase JP Morgan they did an investigation and the transactions are legal but I have never authorized this reversals or done this in my life they didnt even call me to confirm this transaction and the money they are saying they returned XXXX account the XXXX dlares I have never received theres a mother transaction that I call them about and I called the people from the 800 number on the transaction this people dont even have information about me and they still charged my account for this money I have had to change my account for a new account after changing my debit card 3 time for the same problem and my girlfriends account is been jacked too hers they are involving XXXX car insurance but we are working with XXXX they are going to investigate
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DE)

I feel this is a Predatory Loan/Lending with Subprime Lending with a High intrest Rate and fee with High Monthly Payment and the Balance does not go down. My loan #  XXXX  from  OneMain Financial
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Farrell Holdings, LLC (AZ)

I purchased a vehicle from a car dealership whom used PAC Auto Financial to finance the vehicle. Despite encountered medical issues, and hospitalized I was unable to provide proof of insurance whom my insurance company made a mistake on then attempted to make amends for their mistake. At that point PAC would no longer work with the insurance company despite providing proof of being insured the whole time. I have reached out to them on several occasions to resolve the issues with them directly without any success. I now hired a company to pay them off, despite being over a year they have now threatened to call me several times a day to resolve the account with them personally, they have been rude, I have requested to be on the " Do not call list '', and I am actively paying them off with the company I signed up with. I have an account dedicated to paying to them, yet they will not stop calling me. It is relentless, I am in retirement and I can't get a break despite diligently working to resolve this issue. I am at a lost of ideas and don't know what to do.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IN)

Dear CFPB, Every week and sometimes two times a week I get a call from a company called Card Member Services using a Robo caller called XXXX. She advises me they now have lower credit card interest rates and can lower payments on all my credit cards. She tells you to push 1 to get someone who will assist you. I have pushed 1 and told them to quit calling me but to no avail. You also have the option push 2 and they will quit calling. I have and they still are calling going on 2 years now. Please get them to stop! The last number they used to call me was ( XXXX ) XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account CAPITAL ONE - XXXX Last XXXX digit SSN : XXXX
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2017-12-07
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

I was contacted by Ability Recovery Service after this debt was recorded on my credit report in XX/XX/XXXX. I spoke with a representative inXX/XX/XXXX to inform them that I did not owe XXXX University anything. I ask for a debt validation and they sent me a statement from XXXX University that showed that I had a balance on my account. I asked for documentation that provided a detailed breakdown of what the amount was for and nothing new was sent. I reached out to XXXX University and they said that it was a student loan refund check sent to me but because I did n't finish the quarter I owed them that money back. I have never been informed before this year that I owed a balance. I withdrew from school because of a XXXX and as a result in XX/XX/XXXX all of my student loans were forgiven by the government. They say that I owe {$1800.00} because the money that I received in the amount of a refund is owed to them because I withdrew from school but that money was included in my forgiven loans. They never sent any student loan documentation in support of their claim
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (NV)

I received an updated copy of my credit report and I still show listed with in public records a bankruptcy which continues to be listed inaccurate and or not verified. I have since on multiple attempts have forward documents that relate that no such reporting has been given and that alleged third party data furnishers without my consent and or the credit bureaus continue to listed this information.