davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (MN)

Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Sequium Asset Solutions and it is showing on my credit report without my consent.

I have no contract with Sequium Asset Solutions and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty.

Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This company is reporting inaccurate information on my consumer report and it is causing me and my family financial and emotional damage. This is my second attempt to remove this alleged debt. The account is showing two different account numbers on my consumer reports. Please delete this alleged debt.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

I received my credit report and found an account from Discover Bank. I have never had any accounts with Discover Card / Bank. I am a victim of ongoing identity theft and this account is a result of that theft. This account is not mine.
Consumer complaint received 2023-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (CA)

I got a loan through affirm for tickets to see a fight in XXXX of 2022 for XXXX XXXX XXXX XXXX XXXX XXXX got sick and didn't end up fighting someone else fought I paid XXXX each ticket affirm sent me to collections the seats I had ended up selling for XXXX $ since someone else fought I didn't attend the event at all they didn't refund me or even try to work with me they sent me to collections I tried settling with affirm I reached out to to an attorney who told me to file this complaint
Consumer complaint received 2016-06-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PNC Bank N.A. (OH)

I had a checking and savings account with PNC for around 4 years. I also had a revolving credit card ( card where you put down money as collateral, in my case {$300.00} ) While at PNC I experienced having to pay to take my money out of my savings account, unforgiving overdraft fees, and all together lousy service. I was stuck with them though because they were the most convenient option given where I lived. 

On to my complaint. When I moved across town, I switched banks and went to close out my accounts. Checking and savings were closed just fine. To close my credit card account, I had to pay the full balance of the card which was {$380.00} minus the {$300.00} that I had put down on the account. I was dealing with a banker, not a teller. I handed over the {$85.00}, and was not given a receipt, but I was told it would all be taken care of. 

Fast forward 4 months and I get a call from a COLLECTION AGENT of PNC asking me to pay the balance on the card of {$150.00} dollars. She also informed me that my account had been closed. I went into the branch that I had gone in to close my account and see the same banker I had dealt with. She remembers me and after I explain what happened, she calls customer service and files a complaint. I get a call 2 days later from consumer complaints and I am told that my agent will investigate the records from the branch in Ohio that I dealt with for the {$85.00} that I had paid when my account was closed. A couple days later I get a call. She did n't find anything supporting my claim, and that I have to pay the balance in full. 

( The date of account closing and final balance on card are approximated, after many phone calls, and records showing different amounts. This is because I NEVER RECIEVED A RECIEPT ) What does n't make sense to me is why in the world would I close all of my accounts and ask for my revolving credit card to be cleared of all charges except the {$85.00}? What kind of XXXX would allow me to do that? Why would they refund my {$300.00} dollars and keep the account open, without any collateral? 

I have been very patient. I put up with a lot of ABUSE and have paid EXORBITANT FEES in my time with PNC. To me this is just another in a long string of UNFAIR COLLECTION PRACTICES.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have been trying to get XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX, 2022 removed off of my Equifax report for 5 months. There is no way to contact the merchant. No contact info. This is not me! Was fraud. I need these removed please! 
XXXX. My ONLY address is XXXX XXXX XXXX XXXX XXXX, XXXX, Ma XXXX. Please remove any other addresses. I have been trying for 5 months. 
XXXX. My name is ONLY XXXX XXXX XXXX. Please drop any other aliases. 
XXXX. Please remove XXXX. It has been paid since XXXX XXXX, 2022. 
XXXX. Please REMOVE XXXX XXXX XXXX  from my HARD INQUIRIES. THIS IS A FRAUD. I DID NOT AUTHORIZE THIS application and it took XXXX points from my hard earned XXXX! 
I reached out to XXXX XXXX XXXX, who wrote me a closure letter but XXXX wouldnt verify it. 
I have lost 3 apartments! I am told an answer from the Federal Trade Commission will count as proof enough to drop XXXX XXXX XXXX  from my XXXX report. I just filed one with the FTC last week.

Can I please get an email so I can begin this arduous process? 
The ONLY CARDS THAT SHOULD BE ON MY HARD INQUIRIES ARE XXXX  AND XXXX  XXXX. 
I HAVE EXCELLENT CREDIT HISTORY! 

HOW LONG BEFORE I GET AN ANSWER?! I AM UNABLE TO MOVE FORWARD IF THESE ARE NOT RECTIFIED!
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

In XXXX XXXX XXXX, I logged on to XXXX to access my credit report ( for the first time ) and noticed that Resurgent Capital Services was reporting account # XXXX is being as being in collections. This is not my debt. I never created this debt, opened an account, or signed an agreement to pay this account. I do not owe Resurgent Capital Services/ LVNV Funding any money. 

In an effort to get this resolved, I sent a debt validation letter ( included below as " Copy of Debt Validation Request.pdf '' to Resurgent Capital Services on XXXX XXXX, XXXX ( copy of certified mail receipt included as " Certified Mail Receipt.jpeg ''. ) In the letter, I requested the Resurgent Capital Services provide me with competent evidence that I owed them money, including : Agreement with their client that grants them the authority to collect on this debt. 
An agreement bearing the signature of myself wherein I agreed to pay this account. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Alleged account number. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold Resurgent Capital Services. 
Complete accounting of alleged debt. 
Any judgements obtained by any creditor regarding this account. 
Proof that they are licensed in Pennsylvania to pursue this debt According to XXXX, they received this request on XXXX XXXX, XXXX ( XXXX XXXX XXXX. ) On XXXX XXXX, XXXX, I received two letters in the mail from them. The first included a brief letter ( resurgent capital letter received 2 27.jpeg ) and and their alleged records that show an account that I never opened or had ( Resurgent Capital Alleged Record 2 27.jpeg. ) The second letter included a judgement that was filed against on behalf of LVNV Funding LLC on XX/XX/XXXXXXXX.

Resurgent Capital was unable to furnish me with the bulk of what I requested, including an agreement bearing the signature of myself wherein I agreed to pay this alleged account, proof that they are licensed in Pennsylvania to pursue the debt, or an agreement with the alleged creditor that granted them authority to collect this alleged debt. Therefore, they failed to sufficiently validate this alleged debt. 

As of this month Resurgent Capital Services is continuing to falsely report to the credit bureaus that I owe them money.
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

Concerning our car loan with Ally Financial Inc. A letter dated XX/XX/XXXX from a XXXX XXXX XXXX the Executive Customer Relations division, stated in a letter she would inform all credit bureaus Ally Financial Inc. was incorrect in reporting us 30 days late in XXXX. The 30 days late remains on our credit report, adversely affecting our credit profile. I have made several attempts to communicate with a XXXX XXXX, leaving her voicemails. As of XX/XX/XXXX, XXXX XXXX has not responded to my calls. 

Additionally, despite Ally Financial Inc. falsely repossessing the vehicle, taking advantage of the Covid-19 waiver period, stating we would not be reported late, this was false. We were reported late every month during the 90 day waiver period. Again, in XXXX when we became displaced from our home due to mold, we were informed Ally Financial is willing to " negotiate '' any late fees at the end of the loan. We trusted this pledge. However, they refuse to waive or negotiate any of the late fees and will not release the title. We trusted Ally Financial to a honest and trustworthy bank. However, Ally Financial has all but destroyed our faith in their promises. Verbally or otherwise.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — Store credit card
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: SYNCHRONY FINANCIAL (CO)

Received notice from credit report XX/XX/XXXX and contacted Synchrony Bank identify theft and XXXX still has not resolved. XXXX still open and XX/XX/XXXX called Synchrony Bank disagree and reopened. Filed police report XXXX and sent police report with FTC report to XXXX XXXX  XXXX In XXXX keep receiving phones call and statement harassment from Bank. XXXX and I called XX/XX/XXXX and remailed police report. 
In XXXX XXXX and I called together and XXXX XXXX and mailed FTC report, police report XX/XX/XXXX, XXXX XXXX XXXX XXXX. XX/XX/XXXX we called bank reopen investigation. I am not able to be answered phone because hospitalizations. Then I received collection letter.
Consumer complaint received 2023-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (MI)

The truth and lender act state that the lender requires to say the term of the agreements and I was never told that I would have to put a down payment on a car if they ran my credit score account to section 15c that in a consumer transactions that a cash payment is not required.
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (GA)

Ally Financial is practicing unfair debt collection My car was repossessed today and I have been told different information from 3 associates in regards to my information. I went online to make a payment and it was restricted due to me being " more than three payments past due '' on my account. However, if the account was not locked, I would be able to make a payment today. Also, my account says that I am only past due {$820.00}. That is not 3 months ' worth of payments. Also, when I called, one associate told me that my tow fee was {$120.00} because they used a flatbed. I recorded them on my security camera and it was not a flatbed. I have footage of it. I asked them if I could pay the car off within a few weeks, and they said no. They will not take any payments from me. FYI-The reason that I got behind is because I was XXXX XXXX XXXX XXXX, so I was unable to work like I needed to, but I tried to make as many payments as possible. In addition, my sister and her two sons live with me and she gets absolutely no help from either of their fathers. I tried to discuss a hardship payment opportunity in the past, but was turned down.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (SC)

XXXX forwarded a debt i do not owe to convergent collection agency as a retalitory act after i did a chargeback with my bank and revoked my banking information from them due to illegal activity. ( Fake tracking number from XXXX ) paypal.. After this fact,, revised my account to show a negative balance and forwarded it to convergent for collection.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (NC)

I have set up to an automatic check by phone with my mortgage lender TD bank. I have attempted to have this drafted on XX/XX/XXXX, they have lost the paperwork once, and after submitting again, still have n't corrected it. when i call, they say they it was n't drafted because its not due until XX/XX/XXXX, and I 'm paying early. i then explain I 'm paying early so it wont be late, they keep giving me the run around. I have spent hours on the phone with TD bank and cant anything accomplished, phone calls are never returned. Before I started this process, I found out they had mis-applied a payment, and were showing my account in delinquent status, because they posted one of my payments to principal instead of as a payment. I 'm not sure if my account was fixed correctly, since it happened 6 months ago before I caught it.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastern Account Systems of Connecticut, Inc. (MA)

I XXXX XXXX does have a legitimate dispute that the Federal Trade Commission should investigate. In XXXX, a resolution was presented to the United States XXXX labeled XXXX. This resolution was designed to specifically give permission for public utilities to post payment information against individuals for any public utility. This would have meant the redefining of the meaning of what credit was or represented. The Fair Credit Reporting Act was initiated and procured as federal law in XXXX XXXX to establish a level playing field between consumers and the XXXX system. Public utilities are regulated by XXXX throughout every state and in many cases municipalities throughout the country. XXXX failed to make it out of committee and was never voted upon. In retrospect, public utilities abuse the Fair Credit Reporting Act by using the credit reporting process, even though by law they are not entitled to it. Any mention contractually that a company such as XXXX could use my personal information such as my social security number to report anything against me would be a serious violation of my constitutional rights. The use of my information by transfer would need to be established in writing, and that in itself could cause problems against XXXX in class action proportions. Because of a delay in the transfer of cable/wireless equipment to XXXX, a transfer that contained no additional remuneration, XXXX decided to abuse my personal credit report by the transfer of my personal information such as my social security number. This in itself is nothing less than identity theft. Accordingly, my file information from XXXX and the collection agency known as Eastern Account System needs to be purged immediately and permanently. I make my identity theft claim based upon the transfer of personal information XXXX had no right to share with any third party to begin with. My complaint is real and 100 % legitimate. My file information must be purged immediately and permanently.
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (LA)

I filed Chapter XXXX bankruptcy ( XXXX ) and succeeded in getting XXXX student loans included and discharged based on undue hardship. The same month that I filed ( XXXX ), Wachovia changed the name of the loans and re-aged them to XXXX and reported this new information to the credit bureaus. When the discharge was final, ( XXXX ) the original loans were listed as " Included In Bankruptcy '', " Balance {$0.00} '', but I now had these re-aged, renamed loans on my credit report ; therefore, I still had the same student loan debt. 
When I wrote to Wachovia about the matter I was told student loans can not be discharged in bankruptcy and that Wachovia did what it was supposed to do.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (IL)

I have a past due account with Tower Loan. My husband and I unfortunately had to make the decision to file a Chapter XXXX Bankruptcy. We retained a lawyer and I informed a woman from Tower Loan, ( I believe her name may have been XXXX? ) that we were filing. She became very nasty and rude with me, I just responded with my attorneys name and number. Instead of calling and verifying the information I gave her, this office just has continued to hound me and my husband. They have now resorted to calling our references. For what reason? They know we are filing bankruptcy, the only reason why they would keep calling us is to harass us. AND the only single reason they would call our references is to embarrass us. These are repetitious phone calls that are just intended to annoy, abuse, or harass me and my husband.
Consumer complaint received 2023-02-27
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. (IL)

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX 15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (WV)

Received a foreclosure notice from mortgage lender XX/XX/XXXX ( only two months behind ) {$1700.00} Sought help with a housing counseling agency XXXX XXXX XXXX ) Agency submitted my information to the lender to stop the foreclosure ( XX/XX/XXXX ) Agency submitted my information to WVHDF HAF program ( XX/XX/XXXX ) Agency checked on status of the HAF Funding XX/XX/XXXX ) HAF funding was able to pay on one months arrearage with note from Mortgage Solutions that they do not work with HAF funding ( {$570.00} ) Agency contacted Mortgage Solutions and was told even with a third party authorization document faxed and mailed to them on XX/XX/XXXX it was not valid because the " signatures did not match '' ( XX/XX/XXXX ) Agency was trying to determine if the funding would bring the account current or if the account would be one month behind still and in jeopardy for future future foreclosure actions.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

Company decreased limit by just enough money to make cover the balance on the card. 
There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. I am an XXXX who makes most of my yearly income from XXXX XXXX, I use my cards throughout the year and pay them down completely during these months. Reducing my credit line now to put me close to the balance shows on my credit report as an extreme negative with my balance near 100 %, this is not only extremely negative to my credit report but my overall credit wellbeing.