davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

If, after any reinvestigation Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file or the consumer or modify that item of information as appropriate on the results investigation.
Consumer complaint received 2020-05-22
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. (CA)

I have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

This is a follow up to a previous CFPB complaint filed against SPS Servicing. Although they responded they failed to address the issues outlined in the previous complaint. 
1. The forbearance period offered for the COVID hardship is for 3 months. The CARES Act requires a 6 month forbearance. The forbearance plan that I attached again does not include any reference to a 6 month period. That is a violation of the CARES Act.

2. I wholeheartedly disagree with the fact that a balloon payment at the end of three months is not a UDAAP violation as it violates the spirit of the CARES Act and has the actual effect of discouraging borrowers from accepting a forbearance ( this is in the best interests of SPS as they can avoid having to pay the P & I payments while not receiving any payments during forbearance ). I am asking the CFPB to provide a ruling on such action as part of this complaint. There are thousands of similar complaints out there and further guidance from the CFPB would ensure this issue is addressed properly. 
3. A new item I am adding to the complaint is the failure of SPS to send out a monthly written statement. SPS recently purchased the servicing of my loan from XXXX. At no point did I consent to ONLY receiving electronic statements and there is no option on the online account to discontinue such practice. That is a violation of law without the consent of the borrower.
Consumer complaint received 2020-05-22
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. (NC)

Equifax is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Equifax reported that 8 different corporate and financial institutions  made a hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with each individual entity as well as with Equifax and they never removed the inquiries. These inquiries and Equifax 's neglect in mitigating the problem significantly and negatively impacted my credit score.
Consumer complaint received 2022-11-14
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. XXXX
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

In XXXX I filed complaint number XXXX. I also had my attorney contract Fay Servicing directly and advise them of their billing error. In their response, Fay Servicing admitted their error and requested I wait a few months until they could " fix '' the problem. continued to make complete, timely payments of the mortgage, although the error was still reflected in the statements. 

Now, despite all my payments being current, and having admitted their billing error Fay Servicing has ave petitioned the Bankruptcy court to release the stay and allow them to foreclose on my home. They cite the erroneously added, fraudulent " arrearage '' as the reason. 

I was a criminal prosecutor for 25 years, and I can't understand how this company is being allowed to commit fraud with impunity. They admitted the error to you, please contact them and remind them their filing is entirely based on an acknowledged error.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

I have multiple and I mean multiple inquiries regarding my credit report which I do not have any idea who has been inquiring what I do know is the Department of Homeland Security has been harassing me and defending my character for two years now that is according to the local police XXXX I've not done anything wrong but I have the Department of Homeland Security harassing me and trying to feed my character to multiple companies that I've done business with they're using these multiple companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to be able to gather personal information of mine and use it against me and attack me they called a XXXX  XXXX and they ordered XXXX XXXX to not renew one of my credit cards I want Some people held accountable right now whoever it is in this government that's doing this I want them exposed and I wan na know who it is so I can make it public for the world to know what's going on
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (VA)

The account was reporting as XXXX XXXX XXXX with an account number XXXX and a balance owed of {$1700.00}. The Original Creditor was XXXX. I disputed this account for inaccurate reporting and it was removed after proper investigation from all 3 credit reports between XX/XX/2023 and XX/XX/2023. I was relieved the inaccurate reporting was removed from my file because I am in process of getting a XXXX XXXX and my credit is important for the job requirements. 

However, Jefferson Capital at some point acquired the debt unbeknownst to me because I was not notified. They reported the debt to my credit again and to add, the reported it inaccurately on all 3 bureaus. The Account status does not match, the payment status does not match and the last payment does not match. The date of last activity does not match, the date reported does not match, these inconsistencies are across all 3 bureaus. I demand Jefferson Capital re-investigate this and send me ALL relevant account information including but not limited to Date Opened, Balance Owed, Closed Date, Last Payment Date, Payment Status. 

This is going to cause serious injury if not corrected and removed as it was prior to Jefferson Capital purchasing a bulk finance. All relevant documents attached.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (SC)

Inaccurate reporting of information on consumer credit report. They sold the account and is still reporting on my account along with negative information. I should NOT have two of the same accounts reporting.
Consumer complaint received 2022-11-14
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$140.00} ; If Experian and XXXX feel there is a possibility these items belong to me XXXX will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX 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 2021-11-29
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: NAVY FEDERAL CREDIT UNION (LA)

I am added on a credit card with Navy Federal as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get Navy Federal to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.
Consumer complaint received 2024-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC (SD)

I had submitted my auto-pay information for my first payment on XX/XX/XXXX. This payment had not gone through. I contacted ServiceMac to resolve the issue. They were able to get my payment processed. I asked to do bi-weekly payments. I was run around without guidance in how to set this up. I was finally told I would need to pay an extra month. I paid the extra amount, provided my account information to get on autopay for the next month which would begin XX/XX/XXXX. My payment never went through. I contacted them and was told I would need to pay their XXXX $ fee for the returned payment. The account info I had provided worked for the previous payment but for some reason did not work for the next payment. I have now spoken to servicemac on XX/XX/XXXX and XXXX, XX/XX/XXXX, XXXX and XXXX. Each time I was told that I would need to wait to see my payment show up in my bank statement. I have verified my account information with them and have now been charged XXXX XXXX $ fees due to them claiming my account information was incorrect. This account info has worked for previous payments and should continue to work but for some reason they cant get it right. I also get told that the payment will show up within 1-2 business days which is ridiculous as all my other bills show the same day they are due in my bank account. I have had no assistance and continue to be blamed when the account info I have provided has worked previously but for some reason it wont work everytime for them. I feel they are just trying to get extra charges out of me.
Consumer complaint received 2024-03-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been deceived of the interest rate it my interest rate for {$50000.00} is % 17.74 fixed interest unsecured loan with a monthly payment of {$1300.00} for 5 years it does not add-up that would be 21.18 %. I did my calculation if my payment should be {$1200.00}.
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Innovative Funding Services, L.L.C. (UT)

I bought my car from XXXX car sales in XXXX of 2020 and they use Innovative Funding Services to complete the transaction. The company is charging customers extra {$300.00} if they don't sign for an auto loan with them and use their own bank instead. The interest rate with them was almost double of my credit union. So I was forced to pay the extra fee to buy the car.
Consumer complaint received 2022-11-14
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. (NC)

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

My refund check was mailed on XXXX. I have the voicemail and have double checked with aidvantage. Its been two weeks and my chuecj has not come in the mail. {$15000.00}. I got approved for this refund on XXXX.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (SD)

I have tried multiple times and was unable to get a hold of the servicer from XXXX to the present. They have it listed online due to high call volumes. Customers are not able to get a hold of them. During this timeframe, I was charged a lot of interest from them. It has accumulated {$510.00} of interest. I applied for the XXXX XXXXXXXX in XXXX and they finally processed it in XXXX. During that time, I filed a complaint with the Department of Education on XXXX Feedback Case # XXXX. It's still being reviewed and no action. On XX/XX/XXXX, I was able to get in touch with the customer service department and there wasn't anything they could do about the interest. I spoke with a supervisor and she said they would process a complaint about the interest and would be reviewed by federal student aid. Overall, the whole process has been a headache and very time-consuming.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

XXXX XX/XX/2024 I have approximately USD XXXX in my Marcus by Goldman account. 

I attempted to withdraw XXXX from the account. I have an immediate need for this money. 

I was locked out of the account. 

I called the helpline. The helpline attempted to verify my identity with a series of questions and then a pin sent to my mobile. I gave the last 4 digits of my SSN, my birthday and a secret word. I confirmed that the mobile number they had on file was my mobile number. They were unable to confirm my identity because I did not receive the pin. I was told I could call back to try again.

I tried to called again but was told my case is under review. They did not provide an alternate means to confirm my identity. They did not provide any more information. 

XXXX. There are no physical branches where I can confirm my identity and no other means by which they could confirm my identity ( e.g. documents like my passport, sending XXXX through the Marcus app, XXXX through email ). XXXX. There is no email for me to send an official request. XXXX. There is no platform where I can see the status of my request. 

The representatives I talk to are XXXX, XXXX and XXXX. All were unable to provide satisfactory service.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX, I was scammed by a person online to wire money from my XXXX checking account to a Citi Bank account below, the amount is {$25000.00}. The person, called himself XXXX XXXX, asked to borrow me money by wiring to this Citi Bank account and promised to repay in few days but never did. 
Bank : CITIBANK, Address : XXXX XXXX XXXX, XXXX XXXX NYXXXX, XXXX. 
Account Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX. 
Account No ( USD ) : XXXX Swift Code : XXXX Routing No : XXXX Reference : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACOUNT NUMBER XXXX I reported the scam to XXXX XXXX Police Department and IC3 in XX/XX/XXXX. I also tried to recall the wire from my bank XXXX and requested them to contact Citi Bank about that account and that company in XX/XX/XXXX and XX/XX/XXXX. However, I have heard none answers from Citi Bank about the wire. Without any helps from banks, I did my own research and found out the account is a middle bank to wire money to XXXX, XXXX. The company address is just a residence house in New York. I have tried many times to contact CitiBank about my scammed wire and the suspicious account. CitiBank never gives me answers on it.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX MI XXXX XXXX XX/XX/2024 Caine & Weiner XXXX Company Inc. Collection Agency XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX RE : Debt Dispute and Fair Credit Reporting Act ( FCRA ) Violations Account # XXXX Dear Caine & Weiner XXXX This letter serves two purposes : Dispute of Debt : I am writing to formally dispute any and all debts that you are attempting to collect from me. I do not recognize any debts owed to your agency. 

Fair Credit Reporting Act ( FCRA ) Violations : I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) alleging that your collection practices violate the FCRA in the following ways : 12 CFR 1006.34 ( b ) ( 5 ) : You have not provided me with the required validation information regarding the debt, including the name of the original creditor, the date of the debt, and the amount owed.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a reasonable opportunity to dispute the accuracy of the debt before it was reported to credit bureaus. I request a proper validation notice allowing me to contest the debt.

12 CFR 1006.34 ( d ) & 15 USC 1681-s-2 ( 7 ) ( A ) : If you have reported this debt to credit bureaus, you have done so without providing the necessary disclosures required by law, including information about the validation process and my rights to dispute the information.

Additional Requests : In accordance with the FCRA, I also request the following : Debt Validation : Please provide me with a written validation of the debt, including the original creditor 's name, account number, date of delinquency, and a copy of the original purchase agreement between the creditor and Caine and Weiner.

Proof of Licensing and Bonding : Please furnish documentation proving you are a licensed and bonded debt collector in the state of Michigan.

Communication Revocation : Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am revoking all rights for Caine & Weiner to communicate with me via email, text message, or phone call. Please restrict all future communication to written letters sent to the address above.

I expect a prompt response to this letter, including the requested validation documents and confirmation of my communication preference. If I do not receive a satisfactory response within 30 days, I will be taking further legal action. 

CFPB Complaint : I have also filed a complaint with the CFPB regarding the violations outlined above. You can expect to be contacted by them shortly. 


Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-30
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.