davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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. (MS)

In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX {$900.00}
Consumer complaint received 2022-02-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have a commercial mortgage with Community Loan Servicing LLC, my taxes & insurance are both escrowed. I've been set up on auto payment since I refinanced with them a few years ago. In XXXX of XXXX my insurance broker started emailing me about non payment, & that my insurance was going to end. I told her then I was paying my mortgage with escrows & she should be getting paid through my escrow account. She confirmed there was no payment & I ended up emailing Community Loan servicing to make sure they paid my yearly insurance policy. Even though they ended up paying late, at least it was finally paid.. None the less, I was assured the connection was again made between my escrow account & insurance policy holder. Then this XX/XX/XXXX, my property caught fire. When I gave my property manager my insurance policy, they informed her it was no longer active. I emailed my insurance & they confirmed my policy ended XX/XX/XXXX due to " non payment ''. Even though my mortgage was still taking my escrow money every month they never emailed or called me to inform me they stopped paying. '' They had then placed me on a lenders policy of {$130000.00}, minus depreciation, even though my buildings current value had reached {$250000.00} & my policy I had in place was for over the {$250000.00} with no deductions & renters loss. Now I have all my tenants evacuated, no rent coming in for an indefinite time frame based on construction & the insurance investigation. My mortgage company told me the still want me to pay for my mortgage with my " escrows '' that they so irresponsibly handled while I figure out the next few months of complete loss.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (LA)

Hello as of XX/XX/2020 ive been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple account of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed to file out a police report. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report.
Consumer complaint received 2022-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I XXXX XXXX investment property located XXXX XXXX XXXX XXXX Il have requested Covid 19 hardship assistance. 

My tenant has passed away XX/XX/2020. The property had to be cleaned out because of the Covid 19. 

I never had a forberance plan on this account. I have proof all payments have been made up until the death of my beautiful tenant who has stuggle with her health issues. 

I have been paying the escrow payments tax and insurance out of my pocket and I have my own expenses bills to pay.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been in contact with each credit reporting agency since XX/XX/2021. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer.
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

On XX/XX/2022. I Consumer XXXX XXXX sent a letter certified mail to Southeast Toyota Finance in regards to an alleged car loan with them, I informed them that the contract was misleading. Southeast Toyota could not validate this alleged debt/ car loan. They simply stated that the alleged contract validated the debt. The contract is misleading because it was a copy, I need to see the original. The contract could have been forged. I also need to see proof that Southeast Toyota had these funds in their account before it was given to me. According to 12 USC83 banks can not loan money ( own stock ). 12 USC 1431 the role of the bank is not to extent credit or loans. Only the original creditor can which is the natural person. Southeast Toyota Failed to respond to my my letter other than saying this alleged car loan was verified by a " copy contract '' not an original. Also I paid a downpayment of {$4000.00}. According the 15 USC 1662 the finance charge is the sum of all charges that does not include cash. Southeast Toyota does not normally charge a downpayment of {$4000.00} because I have had an alleged contract with them before and did not have to put anything down.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I have an account with Comenity Bank for a credit card at a chain store. I am a little past due with my payment and today I have received XXXX calls from them so far today. First call at XXXX second call at XXXX third call at XXXX fourth call at XXXX fifth call at XXXX. This is sheer harassment. I have answered their call and told them this was not a good time for me and I am being bombarded with phone calls.
Consumer complaint received 2022-02-20
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. (TX)

These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the XXXX  from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX XXXX Car loan fraud account : XXXX XXXX Services XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX XXXXXXXX. I would like immediate removal of all Fraud accounts on my credit report.
Consumer complaint received 2022-02-19
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: WELLS FARGO & COMPANY (NJ)

received a copy of my credit report and found some serious violations of the FCRA. 
It is illegal for the original creditor which is Wells Fargo Dealer Services to Re-age a negative account that has been closed for years!!! This Account has been re-aged from the original first last date of delinquency and closed date!!! This account was closed and reopened without any consent or notified to me. This a serious matter and violation of the Fair Credit Reporting Act. I'm not playing with this erroneous errors on my credit report and will not allow you to violate my rights as a consumer. I am also filing a complaint with the Federal Trade Commission. 

WFDS Account Number : XXXX Please delete and remove from my credit report immediately.
Consumer complaint received 2022-02-20
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. (TX)

These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the military from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX**** ) Car loan fraud account : XXXX XXXX XXXX  XXXX Personal loan fraud account : XXXX  XXXX  XXXX  XXXX  XXXX. I would like immediate removal of all Fraud accounts on my credit report.
Consumer complaint received 2022-02-20
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: EQUIFAX, INC. (MD)

The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since early XXXX and still waiting for a response. I will not wait 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 30 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EML Payments USA, LLC (NY)

I was about to use a virtual credit card issued by the company above when I noticed that the balance was {$0.00} when it used to be {$75.00}. 

I have no other word but theft to qualify what happened. 

Upon calling the company, they were not helpful and rude ( they hung up on me twice ). They did not want to resolve the problem. At some point, they directed me to the cardholder agreement, which I never agreed to. 

And furthermore and anyway, in this agreement, I can read " This Card will expire on the " Valid Thru '' date identified on the front of the Card.

The funds on the Card will not be available to you after expiration, so you should use the funds prior to the expiration date on the Card. ", and fee gouging by XXXX XXXX. 

I want my money back and ready to dispute this.
Consumer complaint received 2022-02-19
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. (CA)

XXXX XXXX  XXXX  days late in XX/XX/2020, XX/XX/2020, XXXX XXXX 60 days late in XX/XX/2020, XX/XX/2020 as well as XXXX days late in XX/XX/2020 and XXXXXXXX XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX  ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

We purchased a piano at XXXX XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. The store salesman XXXX told us that XXXX XXXX XXXX now Synchrony Bank ) offers free financing, similar to car dealers, if you pay it off in 2 years, there will be no interest. We thought that's just how all big ticket items are sold these days from cars to XXXX and went with it. 

XXXX XXXX called and sent over a DocuSign with a 36 payments plan. I discussed with them that we are only interested in the free financing offer and were told it's a 2 year plan. They said yes that's right and that we need to set up an automatic payment to qualify. I said that's not a problem, definitely and I asked them to divide up the total amount that I need to pay by 24 months and set up the auto withdrawals for us so that we will have it pay off in time to avoid any finance charges. This was XX/XX/XXXX. 

Now fast forward to XX/XX/XXXX. I thought our last monthly payment would have been XX/XX/XXXX, but I got another automatic withdrawal by XXXX. So I called their customer service, and they told me, in order to qualify for the offer, my payment should be paid no later than XX/XX/XXXX and my automatic payments were set up to draw on the XXXX of each month!!! 

So basically they set me up to fail!!! This is so unacceptable that they basically used my trust to make me miss a few days so that they can charge me all the financing charges! Please help me get this right and please help all other consumers avoid such a trap! So unethical!
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (GA)

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to Discover which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account DISCOVER BANK XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both. 

Sincerely, XXXX : XXXX
Consumer complaint received 2022-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX  7XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (VA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Beginning on or around XX/XX/XXXX, I contacted my bank -- Chase -- to alert them to fraud on my account. This fraud involved XXXX transactions : a wire transfer in the amount of {$3500.00}, and XXXX withdrawals via XXXX XXXX for {$1000.00} and {$500.00}, respectively. 

I am a victim of employment fraud. After signing a contract, I was given instructions to buy office equipment to set up my home office and was sent XXXX checks via email to deposit into my Chase account. I did so and then sent the wire transfer and cash transactions to the account number they sent me to pay for the equipment. 

The claims team at Chase recorded my complaint and provided a case number. They began a wire recall request, which was denied because I had willingly sent the money. I received a letter from Chase on XX/XX/XXXX to that effect. 

My financial services advisor called Chase but was told " there is nothing we can do. '' I have filed both a police report and an FBI report and am working with a detective on the case.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (UT)

I have been a victim of several Data Breaches Including Identity Theft. I have also sucessfully been awarded Judgement and suffer extensive losses due to an unknown party creating a XXXX XXXX Credit Card in a Company name which I didn't consent. 
FCRA Section 605B in addition to Section 611, FCRA expressly states that in the event of Identity Theft The CRA will Block or Delete any account that has been identified accompanied by either a FTC Identity Theft Report or a Police Report. I have done both yet Experian will Not Delete this account. 
In addition, I have correspondence with from XXXX XXXX state Specific Language that they do NOT have information or any documentation regarding me signing any contract. According to the law the account must be deleted from my credit report. 
I am going to file a federal civil law suit as well as press criminal charges for Experian and XXXX XXXX for working in concert to publish this unverified account which has made it impossible for me to purchase a home for me and my XXXX younger children to have our own place.