davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: AFNI INC. (PA)

I called AFNI yesterday XXXX/XXXX/16 after receiving an unfamiliar bill in the mail several times. I tried to explain to the rep ( XXXX XXXX ) that I have disputed this debt before to no avail and sent in a letter requesting validity. I asked if I could speak with a supervisor as I would like this resolved, because I would like resolution and verification I owe it. She immediately became defensive and aggressive. First she stated, " All of the managers are in a meeting and I 'm the Senior Manager on the floor right now. '' I asked if I could call back and speak with the supervisor directly? XXXX stated " He 's gon na tell you the same thing I 'm telling you! '' This is where the conversation took a turn for the worse. I asked XXXX if I could have her supervisors name, so I could call back and speak with him. She aggressively said " XXXX! '' I asked if he had a last name ( XXXX is quite common ). She said " He can give it to you when he answers! '' Confusion set in. I could n't figure out why she became upset when I asked for her superior and I do n't understand why she treated me so aggressively. My intent was not to get her in trouble, but to get someone to verify this debt or at the very least point me in the right direction. I explained my plight to her again.When the call started ( check the recordings ) I told XXXX that this was an ongoing issue and I still have not received validity of debt. I told her I was frustrated and I made it a point to mention I was NOT taking my frustrations out on her. I let XXXX know I am interested in resolving this, and she did not try to assist me. I told her I would like this removed from my credit if there is no verification of debt. I even offered to just pay a settlement to have it deleted. I ca n't sleep at night!! XXXX screamed " We do n't do pay for deletes!! '' I asked for a supervisor again with the intent to get resolution and to get my point across because she became to aggressive to deal with and she kept over talking me. 

Reluctantly, she said I can talk to XXXX XXXX in the consumer relations department. I left her a message, but after my experience with AnitaI am scared to speak with another rep from this company. I do n't like being attacked when I clearly said I want to get to the bottom of this. Im certain this is a form of harassment according to the FDCPA. This bill is hindering me from progressing in life. Please remove this debt and all negative reporting from my report because I have NOT been furnished with validity of debt after numerous attempts Thanks in advance for what I hope is a timely resolution.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

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 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 : {$440.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 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 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (CA)

I had made numerous payments to Central Mortgage for principal only immediate payment since 2016. When corrections were made, from a regular payment to principal only, it was posted days and even weeks later ( XXXX transactions ). 
My interest to pay down principal was not immediate even though the transaction history shows the received date of the money, the correction date was not back dated.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Goldstein, Cruise and Smith LLC (IA)

At least 3 times daily I receive a phone call from this company 's number. The message I receive is following-This message is for XXXX we need to gather your statements and your attorney information. After 2 hours your claim will be turned over to litigation and attorney fees will be added to this collection, there is also recommendation to suspend your driving privileges for 180 days. I can not stress how important it is that you call us.
Consumer complaint received 2017-03-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC (MI)

I completed all the required steps and provided all of the documentation required to obtain a mortgage. The mortgage lender gave no reason why the mortgage was not completed before the purchase agreement expired. I was intimidated to not get competing offers, that might have allowed me to get other financing.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

I sent a certified letter on XX/XX/XXXX ( received and signed for on XX/XX/XXXX ) requesting they only contact me via mail and on XX/XX/2016 I received a phone call and subsequent voicemail from this company. I also requested verification of the alleged debt and all I received was a " Disposition of Charges '' that did n't tell me anything.
Consumer complaint received 2016-02-22
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: LYON SERVICES CORPORATION (VA)

I was recently shopping for a pool loan and was referred to Lyon Financial by the pool contractor. I am a mortgage lender so I already knew my credit score and debt ratios before I started to call and get quotes. When I spoke to XXXX XXXX at Lyon I told her my score and was quoted 10.99 % for a 12 year loan and she directed me to the website to apply. After I applied I was notified the next day that I was approved but the rate was 12.99 %. When I asked why I was told due to my credit score. I then asked what my score was and it was exactly what I said when I asked for the quote. All I was told was that she was sorry but there was nothing that could be done. She asked why I was so concerned about a {$37.00} difference in payment. This was a typical bait and switch. I was not quoted a range, I was quoted an EXACT rate with that score. Now I have a credit inquiry that I would have never have done if I was quoted correctly at the beginning. Being that I am a mortgage lender, I just cant stand the fact that unfair lending practices still exist and I would appreciate if the CFBP looked into this.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

I took out a loan through Ford Credit for my car. Unfortunately, the loan was never presented in " regular fixed payments. '' The amount due would change each month. 
I would usually attempt to pay additional money each money in order to retire the balance earlier. But Ford would just deduct this extra money from the following month 's bill. Lately, they have failed to apply this extra amount at all and claim I 'm delinquent.
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RentDebt Automated Collections, LLC (TX)

Rent Debt Automated has indicated in their XXXX/XXXX/15 response to my complaint that they " closed and returned the account '' ; however, they did not indicate that they removed it from my credit listings. See Attached. Rent Debt are the ones who reported the invalidated and inaccurate debt and they must be the ones who contact ALL XXXX CREDIT BUREAUS and have it removed. They have not been able to validate this debt and under the laws of the state of Texas, and the FDCPA, Rend Debt MUST REMOVE ALL REFERENCES TO THE INVALIDATED DEBT FROM ALL OF MY CREDIT LISTINGS. Please instruct them to REMOVE this account from my credit listings. Thank you.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (TX)

Over 45 days ago I sent a certified letter to Pinnacle Recovery requesting Validation of an alleged debt they are reporting to the credit bureaus. I asked for proof I owed the debt and proof they were the current owner or proof they are authorized to collect the debt. I also asked for their Texas collection license and bond information which they are required to give me under the Texas Finance Code. They have not responded and are continuing to report me to the credit bureaus.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

About 4 years ago i discovered that i am a victim of identity theft. I find out that someone unknown to me somehow had find my personal information and had changed my address and my phone number and applied for the following credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mostly every fraudulent account got removed from my credit report, but the following items stayed in my report, XXXX and XXXX XXXX. i had send them my police report and my identity theft report more than 4 times and keep getting the same response every time that this item belongs to me and i am responsible paying off these credit cards. i do not have a problem paying for these credit cards if they were mine, but i have a problem for paying for something that i did not applied for and something that i did not get any benefit from, which i am here to resolve this problem.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I initially started disputing information on my credit report with all XXXX of the major credit bureaus : XXXX, Equifax and XXXX on XX/XX/year>. I requested an investigation for multiple accounts, and after disagreeing with the results, I requested a reinvestigation. I also requested details in regard to the process that was used to 'verify ' these accounts in writing XXXX Names of whom they spoke to, phone number to the creditors, addresses, supporting documents, etc. To present day, XX/XX/year>, I still have not been provided with such information. There are inconsistencies with multiple accounts across all XXXX credit bureaus, which is why I find it hard to believe that anything was verified.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020. I went online to the XXXX XXXX XXXX. As advertised, I ordered a blue and red XXXX XXXX for my grandson that his XXXX birthday was coming up. The price of the XXXX XXXX was {$240.00} plus I paid {$15.00} extra to expedite the shipping ( 5-8 days ) since my grandsons bIrthday was in 12 days. 3 days later, XX/XX/2020 my son tells me that I should call JPMorgan Chase ( my bank ) and cancel the transaction since that store is a scam. I call JPMorgan Chase immediately and explained the situation. The money was put back into my account. On XX/XX/2020, 31 days later, I received a Small package from XXXX. When I opened it it was a Mobile game handle. NOT A XXXX XXXX. I still have it. A month later XX/XX/2020 while looking at my bank statement I notice that JPMorgan Chase reversed the claim. I was never notified about any further actions to be taken about this matter. I called the Chase dispute department and explain to them what I had received. They told me to send all the proofs by fax. On XX/XX/2020 I send 2 pictures, 1 of the picture shows what I received and the 2nd picture shows what a XXXX XXXX is. Also pages showing the emails from XXXX XXXX company. On XXXX XXXX I received a letter stating that the transaction was authorized n that my claim was closed. They cited on behalf of the company. They also told me that they called the company and the company said they did send the XXXX XXXX. Obviously the person that did the research doesnt know the difference between a XXXX XXXX and a Mobile game handle, which was what I received. I am disgusted as to how unfair I was treated by the Bank. They did not look at my evidence. If that wouldve been the case, they wouldve cited on my behalf. I did try to reach out to the company ( XXXX XXXX XXXX but the emails were send back to me. If they do a research about that company theyll see its a scam.
Consumer complaint received 2016-01-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (IL)

I received a credit alert that a company called Stellar XXXX had place a Collection on my credit report. When I called they said it is from an account in MD from XXXX. We live in southern IL where XXXX is not even available and have never had an account with them or any contact with them in anyway. We spent 7 hours being transferred from XXXX department to another and no one will help resolve this. It should be against the law to do damage my credit when I positively know there is no possible way this debt is mine,
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc. (SC)

The representative was attempting to link me to a debt of someone that I know. They threatened to serve me with legal documents and place me in jail. I requested that they stop calling me. I told them that I understood my rights and they had no business threatening me in order to get a different individual. They repeatedly hung up the phone.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FAIR COLLECTIONS & O or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

Large group went to XXXX THREE YEARS AGO. Now, just now, all 4 of the drivers ( each with own rental car ) gets a notice of a traffic violation? Say -- when do records of car rentals go public in XXXX? Is it after 3 years, per chance? And, none of us did anything to make us think we'd violated ANY traffic laws there. Hmm ... And now, not just a notice, but a notice that we're IN COLLECTIONS, so ( a ) our credit ratings ' necks are all on the chopping block, and ( b ) it's XXXX, and 3 years ago, so we're going to contest this how? Cedars Business Services , LLC wants me to cough up upwards of {$400.00}, just like that. Or else what? -- they trash my credit rating? Talk about easy pickin 's! They have no proof ( in part because I violated NO TRAFFIC LAWS ) ; I can't reasonably fight it because it's XXXX and I'm here ( in America ), and it's 3 years ago ; AND, I have no idea who these people ( Cedars Business Services , LLC ) actually are nor what authority they have to collect on an unproven supposed debt from a foreign country XXXX miles away as the crow flies. And, when you call them, it's a guy with an XXXX accent. And, their bill is TOO LARGE for the return envelope they include. It's a glut of suspiciousness! CAN they ding my credit? On what grounds? On what authority? If I send them my {$400.00}, who gets it? Where does it go? ; XXXX? Show me, 'cause I never got ANYTHING about this shakedown " violation '' from ANYONE but them, and certainly not from XXXX. They need to be INVESTIGATED, and if my credit gets TOUCHED by these people, I WILL fight it by whatever legal means I can come up with.
Consumer complaint received 2020-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XXXX, I applied for a mortgage. I was declined because my Transunion score was XXXX. A 186 point DROP that happened on XXXX. This change states on XXXX XXXX that it was due to me paying DOWN the balance on 3 credit cards, which is supposed to be good. It made my XXXX and XXXX scores both go up. Then on XXXX, my Transunion score went up 25 points due to me paying down the balance on 2 other cards. Transunion says scores are generated by computer. I told them there was a glitch of some kind because the only thing that happened between XXXX and XXXX was the decreased balance of the 3 cards. They should not be able to hide behind the fault of a computer.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (CA)

In XX/XX/XXXX we did a short sale of our home, located in California. The second mortgage was transferred to a collection agency, XXXX. In XX/XX/XXXX the debt collection agency XXXX was informed that under California law and attempt to collect the deficiency is not permitted. In addition as set forth in section XXXX, no such debt is even owed. This debt is reported on my credit report for at least 4 years, this illegal attempt to collect this deficiency has damaged my credit rating.
Consumer complaint received 2020-09-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2020-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (RI)

Under the Cares Act, my FDA backed mortgage with Freedom Mortgage, was approved for the 6 month forebearance due to COVID-19 on XX/XX/XXXX. Before entering into the forebearance, our mortgage was current and paid up to to date. The forebearance period will end in XXXX of XXXX. Under the legal section of the forebearance acceptance document, it says that our loan will not be sent to foreclosure. I received 4 forclosure notices on Saturday, XX/XX/XXXX. Today is XX/XX/XXXX and I called Freedom Mortgage to enquire about the foreclosure notices. I was told that these notices are automatically generated, but not to worry, but could not get anything in writing.