davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (MI)

I have been working with XXXX XXXX XXXX XXXX XXXX since XX/XX/2022 to pay my debts.I 'm on Social Security XXXX and ran into some problems financially, this XXXXXXXX XXXX has been receiving payments monthly since XXXX granted they are late I do not get paid until the XXXX monthly from Social Security. And the funds go through XXXX XXXX, then sent onto Fortiva. I contacted XXXXXXXX XXXX XXXX to ask for a date change for my payments so they aren't late anymore ( to stop their late fees and over the limit fees ) they refused. This account will never get caught up if they do not help with changing the payment dates, and refunding of late fees, and over limit fees, ( over limit fees that they created by changing me late payment charges ). I can NOT change my pay date it's straight across the board from the Government! They also refused to offer any hardship payment plan to me!
Consumer complaint received 2022-10-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Second time Ive received a letter saying I owe for an apartment that Ive never rented out this time its with XXXX XXXX XXXX Ive called the communities property and they said its gone to collection saying I owe XXXX and Ive been living in my house since XXXX XXXX no need to rent an apartment. This the second time my identity have been stolen I still have police report from the first time and I will be getting another one for this time. I no longer use the last name XXXX Ive been married since XXXX XXXX my new last name is XXXX. Never even been to that side of town or area
Consumer complaint received 2022-11-18
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. (IA)

I have submitted a complaint with the CFPB, XX/XX/2022 on XXXXXXXX XXXX and response came back stating that they have requested the credit bureau agencies to remove the account from credit report. This should be taking up to 45 days for it to reflect on credit report accounts are still reporting on credit report credit bureaus have not yet deleted account.
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I sent Aargon agency this document certified mail and Aargon agency did not send the requested documents asked for in the validation request I mailed. Aargon agency sent me a document that was typed out on a plain piece of paper with Aargon agency logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe Aargon agency Anyone create anything from a plain piece of paper. The response Aargon agency sent to CFPB is bogus! I know my rights as a consumer! Aargon agency is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for Aargon agency has violated FDCPA laws!
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I deferred three months of payments due to Covid. My payments were to resume in XXXX. I called Wells Fargo XXXX and told them I could resume payments. I asked to have the amount added to the end of the mortgage. I then made XXXX XXXX payment that the rep advised me to do. 

I called to make my XXXX payment on XXXX, and they said they had rejected my plan because I was to make a payment on XXXX XXXX. I spoke with my agent, and she said this was in error because I had made a payment XX/XX/XXXX. She was going to escalate this to her supervisor I called today XXXX and the rep I spoke with said that no supervisor had touched my account The are wanting me to pay {$14000.00} on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-29
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: HYUNDAI CAPITAL AMERICA (IN)

In accordance to Fair Credit Reporting act. These accounts listed below has violated 15 USC 1666B. 
Hyundai Capital America acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1666B states a credit reporting agency may not report any open end consumer plan late for any purpose.

15 USC 1605A states the finance charge is the sum of all charges.

15 USC 1681A ( 2 ) ( A ) ( I ) states a consumer report does not include transactions or experiences between a consumer and a person making the report.
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I checked my business account checking balance. I had enough I thought to buy some gas and pay for parking until a deposit came in on Friday XX/XX/19. In any case I was not too worried since I believed I had opted to not have any OD 's paid. It turns out that my balance was quite low and my monthly maintenance fee hit on XX/XX/19 which zeroed my balance. On XX/XX/19, I was traveling around and using my debit card for that account to pay for parking. 

I used the card 4 times on XX/XX/19 and paid for parking in the following amounts : {$1.00} {$1.00} {$1.00} {$1.00} Since I believed my card would reject if there were no available funds I was not worried. I could then use the business credit card or a personal credit or debit card to pay for parking instead of the business debit card. However, the charges went through. 

On Friday XX/XX/19 I went into a local branch to move funds from my business to personal account and to discuss the overdraft charges since I had received an email notice about that. 

With my other bank accounts I don't need to go into the branch to move money but Capital One Bank does not yet allow me to move funds from my business to personal accounts electronically without using a third party service like XXXX. 

When I addressed the overdraft issue at the branch with the teller ( XXXX ) at the XXXX, Maryland branch she told me that my account is set to pay all overdrafts. I then pulled up my business account on my cell phone and showed her my Overdraft options screen, which read in a way that caused me to believe that Debit card overdrafts would never be paid. 

She then went to the Manager of the branch, Mrs. XXXX who told her there was nothing she could do because her system shows that all overdrafts are to be paid. Since I don't recall ever overdrawing this account, this situation had not come up before. 

In any case, I was charged {$35.00} for each overdraft on the same day. A total of {$140.00} in overdraft fees for my account being overdrawn by a total of {$5.00}. 

I feel this is onerous, incorrect, abusive of the banks position, and inappropriate because the way my screen reads I was led to believe that overdrafts with my debit card would never be paid. 

With Assets of over {$370.00} XXXX and revenues of over {$28.00} XXXX, this seems to be an almost predatory and definitely abusive way to handle situations like this. I am requesting that Capital One Bank do four things : 1 ) Refund the {$140.00} in overdraft fees 2 ) Correct the misleading overdraft option on my online banking platform relating to my business account 3 ) Resolve the situation that would allow me to move money between all of my Capital One bank accounts online 4 ) Ensure that no debit card transaction on this account will be paid if the account does not have funds to cover them it
Consumer complaint received 2023-07-25
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I work for the XXXX of California as an XXXX XXXX. I received XXXX payroll checks written out to XXXX XXXX XXXX and tried to deposit XXXX of them at Bank of America in XXXX on XXXX XXXX on XX/XX/XXXX. 

The name on my BoFA account is XXXX XXXX. XXXX check was in the amount of {$450.00} and I deposited those funds at the XXXX, CA branch because their system would not accept the mobile or ATM deposit. The day I deposited the funds the teller was reassured by the other teller that because my initials matched the name on my account it would be fine. A few days later the check was returned to me even though the initials match the name on my account. 

On Monday, XX/XX/XXXX, I called BOFA to understand what happened and 2 different agents told me 2 different things. One agent told me that I could just go down to the local branch and add a nickname on the account. I was later informed by an agent who worked at the XXXX, VA branch where I was traveling for work that that was incorrect. Another agent in South Carolina told me that I could go and cash the check because I had enough money in my other account. When I went into the XXXX branch this afternoon ( XX/XX/22 at XXXX XXXX ), I was told that wasn't an option and there was nothing they could do with the checks. 

There are a number of unresolved issues related to the check deposit. They are as follows : 1 ) I was provided with incorrect information multiple times both at XXXX and thru the National lines. 
2 ) I cant cash the other check that I have from the state of California even though the California state controller verified that both warrant numbers that I list in this email are legit. XXXX XXXX XXXX who is my employer and issued the checks along with the CA XXXX XXXX have reassured me that this shouldnt be an issue bc a ) as the funds are issued by warrant directly from the state itself and b ) no one has ever had a problem at the university or who works for the state has ever had this issue. For reference, the warrant # associated with this check is XXXX in the amount of XXXX. 
3 ) The original check that I was issued is now lost in Bank Of America 's system. It could take up to 2 weeks before I receive it and even when I do, I'll be in the same predicament as described in item # 2 above and won't be able to cash the check. For reference, the warrant # associated with this check is XXXX in the amount of XXXX. 

In short, there has been no resolution. I have one check that is in hand that can't be deposited and another that is floating around in BOFA 's system that will hopefully be returned to me in a timely fashion that I still won't be able to cash. So, currently, I am the only state employee in the history of both XXXX XXXX and the state of California who can not cash or deposit their State of California payroll issued check at Bank of America.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (NY)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2020-05-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-15
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

Good morning. I am a consumer bankruptcy attorney. As such I sometimes get letters addressed to debtors whom I do no know and/or do not represent. I always contact the collection company to let them know. Today I contacted XXXX XXXX XXXX XXXX by phone to let them know or represent a " XXXX XXXX XXXX, XXXX ). They asked for the " XXXX ID XXXX '' and the representative advised that they could not pull up the account by the ID Number as XXXX 's ID XXXX. have all changed. I was stunned that they are sending letters to wrong addresses and when I call them so that they can update their system to give property notice to a debtor they have no way to update their system. XXXX was collecting for LVNV so I reached out to them directly to advise them of the problems and my concern. They said they could only pull the account up in their system if I had the debtor 's social security number. Of course I do not know or represent the individual so how could I have the social security number. My question is how can they be properly noticing the debtors if, when they care sending incorrect notices out, they have no way to update the system when someone calls to tell them they have the wrong address. My guess is that this is a systemic problem and something the CFPB should be investigating for pattern and practice.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$2800.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$160.00} XXXX XXXX  {$3100.00} XXXX  XXXX {$25.00} XXXX  XXXX {$400.00} XXXX  XXXX {$810.00} XXXX  XXXX {$500.00} XXXX XXXX {$790.00}
Consumer complaint received 2022-11-05
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: SYNCHRONY FINANCIAL (CO)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy 15 US WSC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions on the 15 US CS1666 be a creditor may not treat a payment on credit card accounts under an open and consumer credit plan as late for any purpose
Consumer complaint received 2020-05-15
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. (AL)

I have notified Equifax that these accounts are are a result of FRAUD and they should be deleted from my credit report. Please delete these accounts because they are fraud.
Consumer complaint received 2022-04-29
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)

Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your account without my written instructions, So the credit bureau stated that my accounts was properly investigated but how is that possible when open dates are inaccurate, the last dates is inaccurate, the date report is inaccurate, payment history of account info is inaccurate, current year dates are listed on closed accounts recurring debt thats inaccurate, paid and settled accounts are still reporting as current thats inaccurate has not shown verification of debt, public records nor written agreement of any debt as requested in the past or current has not been sent to me as requested by the bureau these are grounds for removal - I send letters and submitted proof by certified mail, and hold copies on what has been send to them to the credit bureau on creditors disclosing & not addressing creditors that has been paid through thirds parties that continue to report accounts inaccurate public records verification has never been verified upon request and inaccurate reporting from all bureau, XXXX, XXXX, & Equifax wasnt properly investigated on there behalf Equifax resources reporting through XXXXXXXX XXXX  which I have submitted paper work by XXXX XXXX stating they have no information in they database of me, so how is Equifax reporting inaccurate or accounts saying its Verify by XXXX XXXX XXXX which the bureau According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation