davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: AFNI INC. (NY)

I owned a XXXX in Florida and used it approximately 3 months a year. I used it as a snowbird. 
I signed up for a package deal with XXXX XXXX and XXXX for service. I advised that I was only going to use it when I was there. For the other months I would have to pay a fee to continue the service. I also told that I might sell the property. 
I was not there for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because of Covid 19. I paid for when I was there and the partial fee for both companies.

I was there for approximately 6 weeks in XXXXXXXX XXXX XXXX XXXX XXXX 

When I left I advised that I was going to sell the properety. I had no problem with XXXX XXXX. When I left, I returned XXXX equipment with me and returned the equipment thereby rendering the use of the service useless. 
XXXX CONTINUES TO BILL ME AND THE SERVICE WAS NOT WORKING SINCE i HAD RETURNED THE EQUIPMENT. I contacted them but could not resolve the problem since the wanted payment even thought the service was inoperable.. 
I was contacted by a credit agency and they advised me that I OWED THE MONEY AND DID NOT RETURN THE EQUIPMENT EVEN THOUGHI had a receipt indicating that I HAD RETURNED THE EQUIPMENT. i also learned that XXXX HAD INCREASE THE monthly fee to about {$90.00} PER MONTH WITHOUT TELLING ME. 
Then AFNI BECOMES NEW COLLECTION AGENT AND CALLS AND HARASSES ME AT LEAST TWICE A DAY. 
I requested a monthly bill from when the service started which I have not receivede The woman I SPOKE TO WAS DIFFICULT TO UNDERSTAND. 

i SOLD THE PROPERTY FROM NEW YORK BECAUSE i was diagnosed with XXXX i WAS NOT IN FLORIDA LAST IN XX/XX/XXXX. 
Once before I had a problem with XXXX when they billed me for a phone that I retuned for over 3 months. 

I hope that AFNI SUES ME XXXX SINCE THEY HAVE EFFECTED MY OVER XXXX CREDIT SCORE. 
I will be looking for compensatory damages and substantial punitive damages.
Consumer complaint received 2022-04-07
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. (MS)

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (GA)

I am notifying you that the dates below that I did not authorize any individual from any of the listed company to pull or review my consumer report. I have not given XXXX, XXXX, Experian permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you produce any proof or evidence that support your claim or show you were right in your decision to furnish this information. Please remove the inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (TX)

It started in the months of XXXX, XXXX, XXXX, XXXX and i had experienced a day that had my worse nightmare on XX/XX/2020, MIDLAND CREDIT MANAGEMENT INC Amount indicated owed : {$2200.00} This company knocks my apartment before XXXX and late in the evening past XXXX. 
This company also went to my leasing office asking information about my whereabouts and asking the leasing office if they can open my apartment for them. They also requested my leasing to call me ( in their presence ) to reach out to me while they are in front of the employees in my leasing office.

This company also screams my First Name and Last Name on my doorsteps on Saturdays and Sundays knocking our doors loudly. Completely scary mafia like they will kill you! This company also sends collectors and asking our neighbors on my
whereabouts. This company continues to harass me at my residence. Our neighbors are also disturbed with them knocking my doors ( including my neighbors ), while " screaming calling out my first name and last name '' to open the doors for them.

They leave messages in my doorsteps indicating telephone number to call them back and when you speak with someone, that person from their side ( collector ) will say they can send someone to arrest me, send a police if a debt owed is not settled.

Extremely scary company with their non-ethical practice. I do not owe anything nor made a contract agreement with this company.

This company also reported derogatory information to my credit file with the three credit bureaus.
Consumer complaint received 2022-12-03
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. (AR)

In the Month of XX/XX/2022, XXXX XXXX XXXX Account Number XXXX XXXXeported a late payment to my consumer Report, In accordance with the fair credit reporting act XXXX  account XXXX  has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2020-10-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint because XXXX, Transunion, and XXXX have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (DE)

Application # XXXX XXXX XXXX I applied for a Wells Fargo credit card because of the 0 % purchase APR. I received a declined letter which is bogus. I reviewed my credit report, XXXX  & XXXX  and I do not see anything wrong. My credit score is XXXX. There are numerous complaints about Wells Fargo online and now I see why! The declined reasons I received : 1 ) amount of credit available on actively used bank cards, 2 ) amount owed on a bank card with the highest balance is high relative to the credit limit. Not enough paid as agreed on your credit file. I have several store cards because when I use them I get rewards or coupons, but you are going to penalize me for that??? Even so, I paid all those cards on time. In XX/XX/XXXX I transferred a balance of {$3200.00} for a 0 % APR, so I can pay it down, I am not using the card and I also lowered my credit limit on that card! In XX/XX/XXXX I paid off my 5 year car loan. I have had my XXXX credit card since XXXX! 29 years! and I have NEVER BEEN LATE ON PAYING ON MY CREDIT CARDS! Decline reasons 2 & 3 are wrong! I do not know if Wells Fargo system automatically declined me or was it a person? I have never been declined for a credit card. I want Wells Fargo to remove the inquiry from my credit file and I will apply with a more reputable company.
Consumer complaint received 2022-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

We were in XXXX. Upon coming out of it in XXXX XXXX we applied for the HAF and have been approved. We owe {$72000.00} and Georgia XXXX approved and sent {$50000.00} to my mortgage company. Here is my issue. I spoke with Freedom Mortgage at the beginning of XX/XX/XXXX. They told me that if we were approved for the {$50000.00} in HAF funding that the St. of GA required us to pay the balance of approx. {$22000.00}. They said GA is a reinstatement only state. ( I found no documentation of that ). They told me I had to wire the money to them and then it would take a couple of weeks for the funds to be applied to our mortgage balance. Then on XX/XX/XXXX XXXX XXXX ( I have her direct dial # ) called and told me we were approved for the full {$50000.00} and she was sending it to Freedom Mortgage and it might take a few weeks for them to apply it to our acct. I said that was different from what Freedom told me. Which was the St of Ga required to us pay the balance in full ( the money from the HAF and the balance that was left ). XXXX told me she was sending the money and what we did with the balance of what we owed was between me and Freedom Mortgage. I read the documents I signed with the state and the information on the GA HAF website. There is nothing that says Georgia requires the loan to be fully reinstated before they will apply the funds to our mortgage acct. I verified the {$50000.00} posted to my mortgage acct on XX/XX/XXXX. Then on XX/XX/XXXX I spoke with XXXX XXXX at Freedom. I gave them all of this info and she said they would check into it with her mgr.
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.
Consumer complaint received 2022-12-03
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. (MI)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX has violated my rights.

15 USC 1681 section 602 A. states : I have the right to privacy.

15 USC 1681 section 602 A Section 2 states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) states : no consumer reporting agency may make any consumer report containing 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 USC 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.
Consumer complaint received 2020-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, one of the Major Credit Bureaus XXXX   exposed the personal data of over 147 million individuals. The personal information exposed included consumers names, date of birth, socials, address, drivers licenses numbers, along with other personal information. Unfortunately, I was one of the 147 million individuals. As a result of this data breach I have become a victim of Identity Theft, my personal information has been used to open several accounts against my knowledge. This has affected me mentally as well as financially as this has caused my overall credit worthiness and credit score to suffer greatly. 

I am currently in an ongoing court case ; I have filed a suit against XXXX as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XXXX XXXX   XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX  data breach.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

The following message ( request ) was sent to credit card company. 
-- -- -Original Message -- -- - From : XXXX Sent : XX/XX/XXXX XXXX PM To : XXXX Subject : Customer Contact Request [ EXTERNAL EMAIL ] Use caution with links and attachments. 

XXXX XXXX XXXX Dear Customer Service, Please see the request below. 



First Name : XXXX Last Name : XXXX Last 4 Digits of SSN : XXXX Zip Code : XXXX Selected Concern : FI Detailed Comments : Hello, This account was reopened and credit applied without my knowledge of an Annual Fee of {$49.00}. In fact, I did not apply to have this account reopened. The balance on this account was paid off over a year ago. Credit cards with annual fees are of no interest to me! In fact, I have credit cards with much larger available credit with no Annual Fees. If possible, I would like to keep this account with no annual fee. If not, delete balance of {$49.00} annual fee to a zero balance and close this account asap. Thank you, XXXX XXXX FOLLOWING IS LATEST RESPONSE FROM FORTIVA CREDIT CARD COMPANY ON XX/XX/XXXX : Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. Our records indicate that an annual fee of {$49.00} was charged to your account on XX/XX/XXXX. The annual fee is a onetime fee assessed every year to cover expenses associated with managing your account. Unfortunately, we are unable to comply with your request to waive the annual fee. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 


XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX | www.myfortiva.com
Consumer complaint received 2022-02-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

DATE : XX/XX/XXXX IT COMES TO OUR ATTENTION THAT THE LOAN SERVICER SLS AND ACCOUNT MANAGER XXXX XXXX HAVE WILLFULLY MISREPRESENTED US IN COMMUNICATING WITH THE INVESTOR, XXXX XXXX XXXX XXXX ( XXXX ), WITH REGARDS TO OUR OFFER TO SETTLE THE ACCOUNT AS A SHORT SETTLEMENT. 

IN A MAILING TO US FROM SLS DATED XX/XX/XXXX, OUR CREDIT SCORE WAS STATED AS XXXX * AND GIVEN TO THE INVESTOR FOR APPROVAL OF OUR SETTLEMENT OFFER. HOWEVER, AT THAT TIME OUR XXXX SCORES REPORTED TO SLS IN XXXX AND XXXX WERE ALL ABOVE *700*. 
SO SLS KNOWS OUR XXXX SCORE IS ABOVE 700, BUT THEY ARE TELLING XXXX THAT ON XX/XX/XXXX OUR SCORE IS XXXX. THEY LIED. 



ON XX/XX/XXXX XXXX OF SLS TELLS US AT THE BEGINNING OF THE TELEPHONE CONVERSATION THAT SHE HAS NOT SENT OUR LATEST SETTLEMENT OFFER TO THE INVESTOR FOR APPROVAL. SHE SAYS THAT SHE WILL DO SO EITHER TONIGHT OR IN THE MORNING. LATER IN THE CONVERSATION SHE IS ANGRY AND TELLS US THAT OUR OFFER HAS BEEN REJECTED, OBVIOUSLY, SHE MAKES MAKE THE DECISION WITHOUT SLS MANAGEMENT OR INVESTOR CONSENT. 

WE ASKED XXXX OF SLS, TO PROVIDE US WITH THE INVESTORS CONTACT INFORMATION. WE RECEIVED A LETTER WITH THE WRONG ADDRESS FOR XXXX, NO EMAIL ADDRESS, AND NO PHONE NUMBER. 
WE HAVE FILED A FEW COMPLAINTS WITH THE CFPB, BUT THEY ALSO LIED TO THE CFPB. 

XX/XX/XXXX, WE RECEIVED A MODIFICATION AGREEMENT WITH A PRINCIPAL BALANCE INCREASE OF XXXX, ( IN THREE MONTHS ) INCREASED INTEREST RATE FROM 4.875 TO 5.375, IN 3 MONTHS, WITH AN INCORRECT XXXX SCORE OF XXXX. 

THIS IS A VIOLATION, ( PREDATORY MORTGAGE SERVICING ) OF UNFAIR, DECEPTIVE, AND FRAUDULENT PRACTICES BY SPECIALIZED LOAN SERVICING AND THE INVESTOR, FORCING US TO AGREE TO UNFAIR AND ABUSIVE LOAN TERMS WHICH WILL MAKE IT DIFFICULT FOR US TO MAINTAIN AT OUR XXXX  AGE. 

CFPB, PLEASE ADDRESS THIS MATTER AND FORWARD OUR CRY FOR HELP TO ALL AGENCIES THAT CAN STOP THIS ABUSIVE BEHAVIOUR OF PREDATORY MORTGAGE SERVICING OR INVESTOR UNFAIR AND ABUSIVE LOAN TERMS. 
SINCERELY XXXX AND XXXX XXXX
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (CA)

The collection agency that post a collection from XXXX that doesnt belong to me has a history of trying to collect fraudulent collections from people. The collection they posted on my account is incorrect, fraudulent. and was already removed two months ago for being so but was placed back on my credit report with a different balance from the last one.
Consumer complaint received 2022-04-25
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (TX)

XXXX XXXX  had an accounting error regarding an outstanding balance due on my closed account. This was then sent to a debt collection agency, Credit Management. XXXX XXXX  agreed to resolve the error and request that the debt collection be removed from my credit reports, by contacting the collection agency, Credit Management of XXXX XXXX XXXX, XXXX, TX, XXXX. The collection notice was only removed from one credit reporting agency ( XXXX  ), however, not removed from XXXX  and XXXX.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Although my student loans have been dismissed, Trans Union still shows that my total debt is over 300,000.00. I have tried to get them to provide an updated proper report to the two car lots that have run my credit and deny me a loan because of the sloppy reporting that Trans Union refuses to address.
Consumer complaint received 2022-10-12
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. (SC)

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX 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 2020-09-24
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. (MN)

I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!