davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

DEPT OF ED XXXX XXXX Company is unresponsive. This isn't my debt as I have never taken out a student loan. This seems to be an error or fraud. I have made several attempts to contact the credit bureau but they all insist I file a complaint directly with the company. This is inaccurate information and needs to be resolved immediately as It is affecting my credibility
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My husband and I were in forebearance until XX/XX/XXXX. My husband passed away suddenly on XX/XX/XXXX, not from Covid, but his medical treatment was affected by XXXX. 
I have applied for forebearance until XXXX, XXXX, as provided by Congress. I have a XXXX XXXX XXXX  and Select Portfolio Servicing, is my loan servicer.

SPS Servicing has informed me, my forebearance has expired and foreclosure proceedings will start in XXXX, XXXX, unless my application is received and approved. 

SPS Servicing has continually rejected my documents, requested documents, such HOA fees, and military pay stubs, where none exist, and none were listed. I applied in XX/XX/XXXX, and it is now XXXX XXXX. SPS is still rejecting and requesting documents. 

My relationship manager has never spoken to me directly, when I call, I speak with random representatives. 

I and my realtor, have both informed SPS Servicing that I plan on selling the house over the summer, prior to XXXX. I need more time to settle my husband 's affairs. I also am recovering from XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX in XXXX, as well as job loss due to the Pandemic. 

I am requesting CFPB look into the dealings of SPS Servicing and how poorly and the lack of timeliness, my forebearance application has been handled. 

Thank you. XXXX XXXX XXXX
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My XXXX Account was transferred to a new owner of a business I sold in XX/XX/XXXX. She notified XXXX of the change in ownership and submitted the necessary paperwork to take responsibility for the account when the account was in good standing. She later ( in XX/XX/XXXX ) declared bankruptcy and had a negative balance on the account, and XXXX is pursuing me to get the negative balance of $ XXXX repaid rather than pursuing her in bankruptcy court. I have provided documentation on the business sale, a tax form from XXXX which does not indicate any connection to me or my social security number ( I have no relationship to XXXX ), the letter I sent to the collection agency and XXXX, and an email from the actual owner taking full responsibility for the account and stating that she transmitted all necessary documentation to XXXX to transfer the account.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I have contacted Equifax multiple times, they have not helped resolve my issue. I have multiple Hard Inquiries on my report I do not recognize and that I did not authorize I don't even know the companies associated with them. My information was also sold and bought illegally because I was a victim of the Equifax data breach. I want all these items Deleted from my credit report effective immediately. I am attaching the proof that Equifax has admitted that they did use my information in this data breach, and Equifax has done nothing to help and caused me a lot of distress and in convenience. Please help me delete these fraudulent items from my report.
Consumer complaint received 2017-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (WA)

Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.
Consumer complaint received 2016-11-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (NJ)

I returned a vehicle to mercedes end of lease and received an absurd ridiculous bill. There was an end cap missing on the bumper a {$20.00} to {$50.00} part at any mercedes dealer and they sent me an invoice for {$4800.00} with additional misc charges as well I called them but havent heard back
Consumer complaint received 2019-02-21
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. (MA)

Today, XX/XX/XXXX, I received an email from credit karma that my credit score had dropped. I logged in and the drop was over 100 points ( from XXXX to XXXX ). I tried to figure out where this was coming from. Every single account on my report is listed as current. 

I found an account that was NOT listed on my report showing a late payment 60 days overdue. I don't understand how my credit report could simultaneously show a late payment but also not list this account anywhere ( neither in closed or open accounts ). 

I was able to narrow things down to a XXXX XXXX card that I opened in XXXX of XXXX, and closed some time in the fourth quarter of XXXX. Now, all of a sudden, XXXX is reporting that I have missed payments on this account. They also marked it as closed on XX/XX/XXXX. If you look at my credit report, you will see I have never missed a single payment and I am diligent about managing my accounts responsibly. I believe I am entitled to not only my report being fixed, but potentially financial damages. This is a fraudulent report XXXX has filed on my account and I hope that the CFPB can aid me here.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MS)

I was shocked when I reviewed my credit report and found late payment on the date 60 days late as of XX/XX/2017 and XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-07-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Maury Cobb, Attorney at Law, LLC (CA)

For the past six weeks I have been receiving daily automated calls from " The Law Offices of Maury Cobb, a debt collection .... ''. The calls are coming in from multiple local phone numbers in spite of the fact they are located in Alabama. The calls also do not ask for anyone by name ; only that their call is returned to XXXX. I do not have any debt, whatsoever, that is in collection, therefore do not find any reason to " return '' their call. 

Upon further research into this individual/organization, I have found overwhelming information that leads me to believe this is purely a scam if not outright fraud by an individual that has purchased some very old debt, often times debt that was discharged in bankruptcy or long past being collectible under the Fair Debt & Collection Practices guidelines. I also find these phone calls odd as I have never received anything in writing about anything that even resembles outstanding debt.
Consumer complaint received 2022-07-20
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

At XXXX CST I initiated a wire via ally bank for {$110000.00}. Their website says if its confirmed by XXXX est it can deliver same day. I confirmed with customer service after waiting on hold for an hour that at XXXXXXXX XXXX cst it was approved and they had what they needed. 

Now at XXXX est the wire is showing returned back to me, no explanation, and they subtracted XXXX XXXX This company is unethical
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I have opened a XXXX 's XXXX Store Credit card with XXXX sometime in 2014. However, Lately. I lost my job and fell behind my payment for about 2 months. 
As the result of it. The card issuer started charging for late and over the limit fee 's. I called the and explained my situations. The Customer Service ask me atleast to come-up with {$120.00} and the next month payment of {$120.00} they will removed the all the late and over the limit fee 's they have imposed on my account. I have complied with the former agreement. However, I found out the latter never kept their words. And kept on raking me with more charges. Thereby, The Outstanding due payment still keep on going high with all the penalties they never remove as agreed. Despite, My limited cash. I tried to make a payments. But, My balance never gone down. And it is beyond my reach to pay them as the penalties keep on increasing. I am asking the said Card company to give me the chance to pay them back without adding more Interest and penalties to my account. Or I will be in default with when I can't afford the higher payment anymore. They can close my account and I will stop using their Credit Card and make a fixed monthly payment that will help me pay them back. Without causing a burden financially on my family
Consumer complaint received 2015-11-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Residential Credit Solutions, Inc. (GA)

I received a communication dated XX/XX/XXXX from Residential Credit Solutions , Inc. ( hereinafter " RCS '' ) attempting to collect a debt. I received the letter XX/XX/XXXX. 

I sent it a demand for validation and notice of dispute XX/XX/XXXX. RCS received it XX/XX/XXXX. 

On XX/XX/XXXX I received a communication dated XX/XX/XXXX from XXXX XXXX of the Loss Mitigation Team at RCS. The letter is another attempt to collect a debt that RCS claims I owe, was delinquent when it acquired the right to collect it, and offers options to avoid foreclosure. 

RCS has failed to provide validation of the debt and every part therein as of the date I received the letter XXXX
Consumer complaint received 2022-07-20
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc. (TX)

Resident verify has me with an account that does not belong to me. I applied for apt and was denied because of eviction on my record for which I have never even lived at the address! I disputed it and asked it to be removed and provided identity theft report but still no movement. This company is ignoring me requests and has reported information that I have not given them permission too. 

Im accordance with FCRA 1681 I have a right to privacy ; and also no reporting agency shall knowingly report information believed to be false or misleading Resident verify ( entrada ) has violated my fcra rights and refuses to take down information that is damaging to my credit profile
Consumer complaint received 2017-10-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

We applied for a mortgage with USAA. We are currently going through underwriting to close on a home. We had set a close date of XXXX XXXX XXXX. Two weeks prior to closing on, XXXX XXXX, I received an email from my realtor stating that it looked like my lender was going to require a property survey prior to closing. I immediately called my lender for clarification. And yes they are requiring a property survey prior to closing. I felt that USAA is unfairly requiring this survey late in the closing process. I also feel that the lender should have inquired about the survey through the responsible party, myself, as we would be responsible for requesting the survey, not my realtor. We submitted our purchase agreement to our lender the day it was accepted, agreement was accepted on XXXX XXXX XXXX. On that agreement it clearly states we waived our rights to a property survey. Why is USAA now asking for a survey and potentially delaying closing?
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

XXXX XXXX notified me that they were collecting on an account with capital one. I asked them for validation of the debt XXXX times and so far they have only sent me a bill. The are also in violation for report a charged-off account as past-due. Under the FDCPA only the original creditor can report an account as 30.60.90 or 120 days past due.
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I checked my credit on a free website called   XXXX   XXXX   and i noticed a some negative collection agencies i know nothing about ... Tried contacting agency but so far i havent been able to reach anyone to fix this the issue ...     I have been trying to apply for a bank account and start my credit but since the negative account are on there i have being denied credit ....
Consumer complaint received 2017-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

I requested validation of all the medical bills that are reporting on my credit as collection accounts, and I received a detailed breakdown of the treatment that was performed on me for the dates in question. However, this is violation  of HIPAA law as this does n't satisfy validation of the collections accounts, but only my personal information regar ding treatment.
Consumer complaint received 2017-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Ad Astra Recovery Services Inc (TN)

Ad astra recovery is listed on all   XXXX   of my credit reports as a collection account. Ive contacte d Ad Astra and as ked for them to provide documentation that validates the account and was told they ca n't provide me any paperwork. I proceeded to ask that the account is deleted and they refused to update my credit file.     Under the FC RA 15 U.S.C. [ 1681i ] all un verified accounts must be deleted from each credit report.
Consumer complaint received 2023-01-27
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. (WA)

On Thursday, XX/XX/XXXX, I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord. On XX/XX/XXXX, I sent XXXX an email covering additional issues I had discovered while researching further about what was wrong with the report. I also submitted a complaint with the CFPB about XXXX, XXXX, and Equifax ( complaint ID : XXXX ). 

Today, XX/XX/XXXX, I received an email claiming the XXXX XXXX XXXX branch of XXXX had received my dispute, but failed to correct the issue claiming the " information was verified as accurate ''. 

XXXX, as well as XXXX and Equifax, have a duty under 15 USC 1681s2 ( a ) ( 1 ) ( A ) to provide accurate information and 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. Without firsthand knowledge to confirm that the disputed information is indeed accurate, there is no way they could have verified it. 

In accordance with the Fair Credit Reporting Act, XXXX, through XXXX XXXX XXXX XXXX, has violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978. 

XXXX has further violated 15 USC 1681 ( a ) ( 2 ) and 1681a ( d ) ( 2 ) ( iii ) by creating, keeping, then furnishing my account and file without my written consent, and restrained trade in violation of 15 USC 1, and 15 USC 2. These actions have also violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 

These violations have directly and repeatedly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MD)

Hello, This complaint is about Re-Aged XXXX XXXX/XXXX account. 
I signed up for an XXXX XXXX store card sometime in XX/XX/XXXX. I bought a house and move in XX/XX/XXXX.  At this time, I called XXXX XXXX and asked them to update my address. However, I think the representative forgot to update the system or for some reason, XXXX XXXX kept sending bills to my previous address so I never received them. I rarely used my XXXX XXXX card so didn't realize I was missing a bill from XXXX XXXX. Instead of contacting me by any other method such as a phone call or an email about this unpaid bill, XXXX XXXX decided to close my account and reported this on my credit report. Initially, the Date of First Delinquency of this account was  XX/XX/XXXX  or XX/XX/XXXX, since at that time I missed my first payment. However, in my recent credit report, this date has been changed to XX/XX/XXXX. and XXXX XXXX keeps reporting it every few year. This is a malpractice under Section 623 ( 5 ) ( A ). 

I received a call from XXXX sometime in XX/XX/XXXX about this debt, and I agreed to pay it off if they would take it off my credit report. The agent agreed to it, so I paid the amount with an interest. However, instead of removing this account from my credit report, XXXX XXXX re-aged the debt and keeps reporting it on my credit report every few years. The original debt/bill was only for {$48.00} dollars. I paid over {$58.00} with an interest.