davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (TX)

Since XXXX of XXXX  there has been a mass vendetta of coercion, intimidation defamation and unlawful, willful, and negligent with intentional through updating, modifying and keeping " assumed consumer 's personal & private reports in question. '' These attacks are considered to be in violations of the FDCPA, FCRA The DODD-FRANK ACT & the CFPB. from Unknown Collectors violating consumer Rights and protections, to the Credit Report Bureaus are allowing the " Criminal Identity Theft, '' with impunity to maintain authority power over the masses " Under Color of Law. '' 15 U.S Code A3 15 U.S. CODE1681I [ 1.A ] - IF ANY ACCOUNT IS UNDER FEDERAL LAW THE ACCOUNT HAVE TO BE REMOVED WHILE UNDER INVESTIGATION. ALL PARTIES VIOLATED FEDERAL LAW! AND NONE OF THE VIOLATORS WERE TOLD TO REMOVE THEMSELVES FROM THE ACCOUNTS! There are derogatory violations going on and the according to 15 USC code 1681A4 the credit bureaus are violating individual privacy without consumers consent. Equifax and XXXX are both digging up old addresses all erroneous irrelevant inaccurate information to tie collectors to the accounts that should have been deleted long ago they were reinserted in the early XXXX XXXX XXXX without notification or consent of the assumed customer or consumer with this they have also violated CFPB and 15 USC 1681 codes a proper validation and F BC PA laws of threatening and harassing the assumed consumer continue till this day also a violation update fair debt collectors protection act bay have under criminal identity theft allowed make allowed a consumer 2 do harassment violating fair debt collection practices act buy searching for information violating the consumers they assume consumers protections and privacies and taking XXXX points of credit off of the " assumed consumer 's official credit reports score which is a violation by harassment oppression involuntary servitude and impunity of oppression of a XXXX federally protected entity. I implore the CFPB to review the information that within these files and take action on my behalf. It hope that the CFPB will review this information downloaded here and find what I have found to be worthy of your intervention weakened and as a consumer, have too much time arguing to those of deaf ears of people in powerful positions to render relief to all yet select very few enhancing injury, and with the truth deny those who have done everything right, from the supposed " American Dream. ", only to be oppressed and treated badly under " Color of Law. '' It is as if they are wrong for having a Certificate of Birth. The next step from here will be to inform all parties of impending lawsuit in Federal Court to answer for their violations of CFPB, FCRA, FDCPA & 15 US CODE 1681 in order free others from what the world refuses to expose does not exist and restore " creditworthiness. '' thank you.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MA)

Navient is reporting 2 loan accounts as delinquent in XXXX  of XX/XX/XXXX, when in fact I consolidated my student loans and this was paid off in XXXX of XX/XX/XXXX, This loans are listed as XXXX and opened XX/XX/XXXX also XXXX and opened XX/XX/XXXX these loans should never have been delinquent to begin with, I applied for a financial hardship and a deferment that was never processed.

I want these delinquent marks removed from all three of my credit reports.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

I checked my credit report on XX/XX/2022 and saw that I had a collection in the amount of {$160.00} from Rent Recovery Solutions. I never received any written notice that this was trying to be collected, or any notice that I can dispute the charges. I have tried to reach out to Rent Recovery Solutions multiple times but have not gotten a response as I have left " XXXX '' multiple voicemails.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.A.Rogers, Inc. (FL)

I, XXXX XXXX, consumer, hereby demand R.A. Rogers , Inc. to cease and desist all communications with me ( XXXX XXXX ) and I hereby demand R.A. Rogers , Inc. to comply with all requirements of Federal law 15 U.S. Code 1692g ( b ) - Validation of debts. In addition, Im aware R.A. Rogers , Inc. Is attempting to collect an alleged debt, R.A. Rogers , Inc. Be aware that your business practices may result R.A. Rogers , Inc . Fined and 20 years of imprisonment according to Federal law Title 18 U.S. Code 894 ( a ) - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. with prejudice! 

XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Consumer complaint received 2019-01-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ACRE MORTGAGE (NJ)

Hello this is more of a general complaint that I felt obligated as a professional to let the CFPB know of illegal practices taking place in my area. There is a mortgage company Acre Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. The loan officer name is XXXX XXXX. He charged one of my clients {$2000.00} cash to help her find a loan a week before closing and told her that she would not get the loan or do the closing if she did not pay him. He also filed her tax return in the work office so that she could have a fake business loss so he can qualify her for a low income loan. He also did not sign the return as a tax preparer. Unfortunately this person is only XXXX  speaking and a first time home buyer and was unaware of what Mr. XXXX XXXX was doing. Its unfortunate that as a XXXX he is taking advantage of other minorities instead of helping them.
Consumer complaint received 2019-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Our mortgage is serviced by Ditech ( ditech.com ).

We carry a flood insurance policy on our home voluntarily. We are not required to carry flood insurance as part of our loan agreement.

When FEMA issued us a new flood insurance statement this year, they also sent a copy to Ditech. We are listed as the payer if we choose to pay for flood insurance. Ditech took it upon themselves to add the optional flood insurance policy to our escrow account, making it no longer optional.

I spoke to the flood insurance program on XX/XX/XXXX to ask if Ditech had the right to add the policy to my escrow and pay it automatically without my consent. I was told that Ditech is not listed as a payer on the policy and they only received a copy of the statement.

I spoke to Ditech on XX/XX/XXXX to request them remove the flood insurance policy and under no circumstances pay it, that we are the payer of the policy and we would pay for it directly if we decided to renew. I was told by Ditech that I had to fax them a letter stating I wanted it removed, because it was the law that if they received a statement for insurance they had to pay it.

I faxed them the requested letter on XX/XX/XXXX to the two fax numbers provided by Ditech. I followed up with Ditech on XX/XX/XXXXand was told they did receive the letter but it takes up to 10 days to process the request.

The next day the wired a payment for the flood insurance in the amount of {$2200.00} making my escrow account go into the negative that amount. By this point I had already renewed my flood insurance policy for a lower amount. I contacted the flood insurance program again and was told that they would not issue the policy twice so any payment Ditech sent would not be accepted.

I contacted Ditech back and told them that they sent that payment after I requested that they remove the account from my escrow, that they had no right to make the payment in first place, and they even sent the wrong amount. Their response was ... tough if the payment gets returned to them then they would credit my escrow account back.

Status as of XX/XX/XXXX, my escrow account is still negative from the {$2200.00} wire and the flood insurance policy is still listed on my escrow, now updated to be paid again next year and again for the wrong amount.

Our escrow is scheduled to be recalculated in XXXX  and this issue is going to become a lot bigger if it is recalculated before our escrow account is credited back the {$2200.00} that should have never been sent out in the first place.

By Ditech putting the flood insurance policy into our escrow and paying it without our consent, they are effectively making a voluntary insurance policy and non-voluntary insurance policy.

Ditech has been no help, they just send you from on department to the next without changing anything.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (FL)

In XX/XX/XXXX I opened an account with HCS Loans at XXXX. XXXX XXXX XXXX, NC XXXX. Everyone was great, made payments no problem. When Covid 19 happened in XX/XX/XXXX HCS Loans granted me a nonpayment without penalty for three months. Sometime in those three months HCS Loans either filed bankrupt or changed their name to Ally Lending. Ally Lending ( previously HCS ) notified me the payment deferral program the account was ending however, I did not sign any contracts with Ally Lending. Ally Lending ( previously HCS ) informed me documentation was not processed correctly from HCS. I would also state without my permission. Ally Lending constantly informs me of the wrong balance & has not submitted a new contract to me. They are not helpful & are becoming harassing on a loan I did not sign with them. 


Ally Lending is not honoring their COVID 19 relief by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, you were required to bring the account current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID XXXX RELIEF. 

Payments will no longer be made on this account until this Financial Institution shows THE PAY OFF AMOUNT OF {$300.00} on the statements which is required by law .... 

The payoff amount on this account is {$300.00}. Should they choose to not honor the Extended promotional date of XX/XX/XXXX, they can change the name of the company again. The pay off amount was always shown on HCS statements & every other account I have ever held.
Consumer complaint received 2022-10-11
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: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2022 I notified my credit card that I had unrecognized charges on my account and filed a dispute. On XX/XX/2022 they notified me by mail that one of the charges was valid and that the provisional credit they'd issued to me had been reversed. The charge was in the amount {$610.00} for transaction XXXX which was charged on XX/XX/2022. 
I did not make this purchase but am being charged the full amount plus interest.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Please be advised this is my SECOND WRITTEN REQUEST to Equifax. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

Equifax or Convergent Outsourcing has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX   XXXX Unverified Account
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

Good morning, I have been finally reviewing all my Best Buy bills, and I realized that I have been charged for a Debt Protection program I never signed up for. ( I believe it Started XX/XX/2009 and I have been charged {$35.00} a month ) I can hardly make payments as it is, so I know I would never agree to this service.

In the past I've always had a hard time logging into Best Buys online statements, because it's never been user friendly. I'm finally able to break down all my charges to see a fee that does not belong there. I have assumed it was interest charges in the past.

I contacted Best Buy, and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX stopped the service and said they would review my case. They never reviewed it, because I was denied before I got the paper work. My rejection letter came in before the paperwork to fill out.

I would like to know how a charge would start appearing without my consent. I also read online that other parties were affected, and might be part of the data-breach from years ago.

Also Best Buy refuses to respond to my emails!!!!!!!!
Consumer complaint received 2022-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

to whom it may concern, the following account was charged off. LVNV FUNDING LLC Original creditor XXXX XXXX XXXX XXXX. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance
Consumer complaint received 2022-10-11
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. (IL)

Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX
Consumer complaint received 2019-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: National Financial LLC (MD)

XX/XX/2018 loan for {$550.00} paying a total of XXXX at end of term in interest I paid the first payment and the second payment ive defaulted and within a day they are harrasing at work calling and thats not acceptable and messaged me saying they will not go away that they will call work and ask for my supervisor to collect.
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

I requested a refund on XX/XX/XXXX for a payment made on XX/XX/XXXX of {$21000.00} on my student loans with FedLoan Servicing. I am entitled to the refund according to the CARES Act. As of today ( XX/XX/XXXX ) I have not seen my balance reinstated on my account or a refund, despite being originally told this would occur in 30 to 45 days. I am submitting a complaint due to the following : ( 1 ) FedLoan says they are unable to send a confirmation email or letter confirming my request for a refund has been submitted. 
( 2 ) FedLoan says they can not provide updates on where in the process the request is, only that it was submitted on XX/XX/XXXX. 
( 3 ) The timeline for seeing the account balance reinstated and a refund issued has increased exponentially with each call I have made requesting an update on the account. When the request was made on XXXX XXXX the timeline was 30 to 45 days. 3 weeks ago the timeline was moved to 60 to 75 days. As of XX/XX/XXXX the estimated timeline is now 4 to 6 months. 

The inability to provide confirmation of request for a refund combined with no updates on the process and a continually growing timeline is unethical. I have received confirmation of others who requested refunds AFTER I had put in my request and received theirs within 2 to 4 weeks. I am very concerned FedLoan is not following through with their financial obligations to keep consumers informed and appropriately process requests in a timely manner.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (GA)

There is an on-going issue with Discover Bank, where I am not able to manage/access my checking and savings account with this bank. Each time I attempt to perform any banking transactions, my account is locked/frozen/blocked from me accessing it, which lead to having to call Discover Bank customer service and waiting for an agent. Recently, this account was frozen for 21 days and was unlocked on XX/XX/21, with the excuses given that suspicious activity was the cause of my account being frozen. As of XX/XX/21, after attempting to use XXXX, my account was locked out yet again, which I had to call customer service to speak with a fraud specialist. XXXX verified information on my bank card and then informed me that she had unlocked my account. She suggested that I log-in again while she went to do research on my account. While she had me on hold, the account was locked out yet again, just for me actually logging in to the account. XXXX said she would create/open a case in regards to this issue, because she didn't see anything wrong that would prevent me from accessing the account, that everything was good, but yet, I wasn't able to log in. She suggested that I wait until the following day to try to log in again, after the case had cleared their systems. She placed me on hold for a few minutes to check my log-in history and then came back on the line to tell me that someone in Virginia state had attempted to log-in to my account multiple times. She suggested that I change my password and possibly have my account ( s ) reissued, but I needed to wait the 24 hour period to reset my password first, to see if that would solve the issue. This problem of my account being locked out/frozen/blocked access has been going on for a very long time and it's getting to be a big annoyance, especially when I have to wait on hold to get to an agent and then get to an agent and then have to listen to the same story of no one really knowing what's happening with this account. This is a headache that has caused a great deal of emotional stress, that Discover Bank doesn't seem to actually care about, being that they haven't fixed this issue.
Consumer complaint received 2021-08-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (NC)

Hello, During the process of trading in the vehicle and paying it off. It appears a late payment notification was added to our Credit report. The account has never been late and is paid off in full. 
May you please update the 30 days past due in may Thank you very much!
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and ( Original XXXX : ) XXXX have 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 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

In the past year, I made at least two requests for my free annual credit reports on XXXX. One attempt was on XX/XX/XXXX, where I got my XXXX and XXXX reports but was told that I had to mail in a request for Equifax. Another attempt was on XX/XX/XXXX, where I was only able to obtain my XXXX  report and was told I had to mail in requests for Equifax and XXXX. 

I'd like to obtain my most recent Equifax and XXXX reports online. Thank you!