davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Holding Company, Inc. (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Laws Dear AVANT, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and XXXX state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that AVANT has engaged in unauthorized reporting to my credit report, violating both federal law and the XXXX Identity Theft Statute under Section 530.5 of the XXXX Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, XXXX Civil Code Section 1785.25, part of the XXXX Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to AVANT to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and XXXX law.

I demand that AVANT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the XXXX Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting AVANT to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Consumer complaint received 2023-04-13
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Siwell Inc (MI)

I got hurt and couldnt work. Had to have ruptured distal bicep tendon reattached. I called mortgage company and asked if any help was available ; deferring payments, modifying payments, etc. I was told that there was no help, they dont do deferred payments or modify loans. 
Since then Ive contacted FHA and they said my mortgage company must help. I have been unable to get in touch with my mortgage company. I message them on the website with no response, I call and it says they are closed and to call the next day.
Consumer complaint received 2024-10-08
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP. (MN)

In XX/XX/year>, I was behind on 2 payments of my mobile home loan. I contacted a Foreclosure Prevention Counselor ( as 21st Mortgage was telling me to because they said I was in foreclosure ) and together we contacted XXXX at 21st Mortgage on XX/XX/XXXX to inquire on mortgage assistance options. We first asked if there was an application that we could submit for mortgage assistance and XXXX said no. We then asked what mortgage assistance programs they offered and XXXX would not provide any examples. He just said we had to answer questions over the phone with him. After the conversation XXXX then sent a budget analysis that he said would be used to determine any assistance programs. We submitted a completed budget on XX/XX/XXXX. 

I heard nothing from them. On Saturday XX/XX/XXXX I received an email from XXXX claiming to be XXXX 's Supervisor. On Monday, XX/XX/XXXX I called in with the Foreclosure Counselor again and XXXX said that they cancelled the assistance offer. They stated that XXXX called and left messages on XX/XX/XXXX for an offer of {$240.00} down and they would write off the rest. I did not receive any messages by phone or email from XXXX. This offer was no longer valid as they indicated I would have needed to respond by XX/XX/XXXX ( the same day the offer was allegedly received. ) I offered {$300.00} down and asked if they would honor the offer in addition I would make the monthly loan payment that was due in XXXX by XX/XX/XXXX. They said they would reconsider and hung up on us. I even called back and spoke to XXXX about the {$300.00} payment that I was willing to pay and she said to wait until the decision on the assistance. 

On XX/XX/XXXX I received a message from a XXXX stating my account was due and I needed to contact them. I called in again with my Foreclosure Prevention Counselor and spoke to XXXX. She stated that my assistance application was denied. She further stated that they spoke to the XXXX  Manager on XX/XX/XXXX on my status with lot rent. This is not true as I spoke to her ( XXXX XXXX XXXX XXXX who stated she had not talked with them in the last 3 weeks. XXXX also claimed that the first offer was denied because they couldn't reach me as I was blocking their calls. Once again, this is not true as XXXX claimed he left messages for me. Either way I received no calls or messages from them. 

As of XX/XX/XXXX I offered them {$300.00} on Friday XX/XX/XXXX {$650.00} ( my monthly payment ) on XX/XX/XXXX and as of XXXX I would begin making my monthly payments and additional {$300.00} each month until it is caught up. They declined and told me that I have to pay it all by XX/XX/XXXX and that was their final option. My total amount due would {$1900.00}
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I currently have a Fraud Alert on my Experian credit file due to identity theft. I continue to experience identify theft events. It is time for me to extend my Fraud Alert through Experian. 

Experian 's website does not recognize my password. I try to reset my password with the Experian site claiming it will send me a reset link after I enter sensitive info to verify who I am. Never happens, tried 3 or 4 times. Also tried call me option, still nothing.

Then tried to use Experian 's contact us number for Fraud. It is an automated help system that literally refuses to let me speak to a human. The options it presents does not help me get back into my account or extend the Fraud Alert.

It is my right to extend this Fraud Alert to protect my identify but Experian does not allow me to do this. Please help facilitate a channel with Experian so I can get access to my credit account again and extend the Fraud Alert. Thank you.
Consumer complaint received 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (CA)

This complaint is continuation of previously filed complaint # XXXX last month on XX/XX/XXXX. Since JP Morgan just responded today by saying there was no loan under my name and have played phone tag with me since last 30 days, the complaint process is now closed, so I have decided to reopen this as a new complaint with additional loan information. 
See below. 

Loan number : XXXX Loan Origination date : XX/XX/XXXX Foreclosed : XX/XX/XXXX Name : XXXX XXXX Phone number : ( XXXX ) XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX First Modification request submitted : XX/XX/XXXX with all required documents. 
Second Modification request submitted : XX/XX/XXXX with all required documents Employment declined by chase after recruiting : in XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX XXXX. & in XX/XX/XXXX. 


I took a mortgage back in XX/XX/XXXX with Washington Mutual, which was sold to Chase Bank sometime in XXXX due to the financial crises of mortgage industry. I tried numerous times to get a loan modification and Washington Mutual and Chase both refused to modify my home loan and ultimately foreclosed my home in XXXX. I had no other choice but to file for XXXX  XXXX in XX/XX/XXXX to get a fresh start after my foreclosure with Chase. Ever since XXXX, I have applied three times ( in XXXX, XXXX and XXXX ) to work at Chase and after the offer letter was extended to me, I cleared the background check only to find out on all three occasion that chase would not hire me due to some red flag in their system with my social security number and previous mortgage that went into foreclosure. They rejected my employment offer on all three occasions. Chase refuses to disclose the reason why XXXX cant be hired at Chase even after re-establishing my credit. 
I have also applied for XXXX or XXXX card with chase or any other chase store card numerous times and every single time they have denied me credit. ( Most recent was XXXX ). Even though I have re-established my credit since my bankruptcy in XXXX and have received numerous other major Bank XXXX, Master Cards, Car Loans and departmental store credit cards and maintain a great credit history. They still refuse to extend me any type of credit including employment. I have asked them several times to provide reason for credit and Employment denial, they refuse to provide me with any explanation other than a normal credit denial letter based on XXXX, XXXX and XXXX related credit factors. I know for sure that this has nothing to do with my credit rating or credit score or my background check. Its pure credit and employment based discrimination.
Consumer complaint received 2024-07-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I live in XXXX Texas and my home was hit Directly by the XXXX tornado on XXXX XXXX this year. We lost our entire fence, part of roof, Central A/C destroyed. I made a purchase on my home depot card and it was approved to purchase a window unit so we can survive the heat. The next day my order was cancelled and I called to see what was going on. They were very nice and said they would get it sent to me. It was never sent to me and I started to complain. They got mad at me and lowered my credit the exact amount of that A/C Unit so that I would not purchase it. Synchrony is in charge of all of these cards and I had 4 other synchrony cards, Walgreens, Lowes, Home Depot, XXXX XXXX, XXXX. The next day I check my other cards and they had closed all of my accounts and lowered all credit limits without giving me any notification. The knew I was going through a natural disasters and that we are protected under FEMA and t hey did not care. I tried to get the media involved. This is direct targeting from Synchrony. I have never made a late payment even once... They saw I needed to use a lot of credit due to the storm and they removed it even thought they were " acting like they were helping me the entire time '' My credit score has gone down XXXX points due to this. I need to know what steps can be taken because I never received any notification about credit limits going down. THEY WERE DIRECTLY TARGETING ME. PLEASE HELP!
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called the credit reporting agencies and let them know the inquires in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them 18 U.S. Code 1028A - Aggravated identity theft ( a ) ( 1 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

The following information is on my three credit reports. I have never been contacted by this debt collector and I have requested validation of this debt on numerous occasions to no avail. To date, I still have not received any written, verbal or electronic correspondence from " Cavalry Portfolio Services ''.

CAVALRY PORTFOLIO SERVICES Last reported to credit bureaus XX/XX/XXXX {$13000.00} Open balance CAVALRY PORTFOLIO SERVICES Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection ****Account information disputed by consumer**** ****Account information disputed by consumer**** Original creditor name CAVALRY PORTFOLIO SERVICES
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My customer sent a $ XXXX wire transfer to Capital One for services to be provided by my company. Fraud Dept confirmed twice that my transferring of some of those funds to one of my accounts was not fraudulent and put the funds back into my account to proceed. On the third time, the Fraud Dept rep flagged the transaction, restricted my account for all withdrawals. At this point my customer is now requesting a Wire Transfer be sent back to her for the $ XXXX. I did request this to be done originally on XX/XX/XXXX, she again requested via an email and her bank, per the direction of Capital One, also sent a Hold Harmless Letter. The Wire Transfer still has not been sent back to the original sender. All of this action began with the refusals of the first XXXX wire transfers I tried to proceed with to further my transaction on XX/XX/XXXX & XX/XX/XXXX. I have confirmed these funds need to go back to the originator. There is nothing to investigate. My account had very little activity on it. This has caused me, XXXX XXXX XXXX to lose a new customer and to be threatened now with legal action because the funds are not being returned to her. I am getting conflicting communication from Capital One reps in the resolution dept. This needs to be settled NOW without further delay.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (GA)

Georgia Security Deposit Act ( O.C.G.A. 44-7-35 et seq. ). I Paid {$800.00} and it was not applied to the debt. 
Case # XXXX status is closed and property was awarded {$2500.00}. 
Rent Recovery Solutions is falsely reporting the amount of XXXX In Georgia, if a court-ordered arbitration results in an agreement between a tenant and an apartment complex regarding rent or other terms, both parties are generally bound by the terms of that agreement A complex, nor a debt collector can not arbitrarily increase that amount. 
This is causing me hardship and homelessness for my self and XXXX XXXX. I was a tenant from XXXX and the disputed amount was over 1 months rent which I with held due to negligence of the landlord. My issue is with both XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX the agent, and Rent Recovery Solutions fraudulently attaching negative information to my credit report and destroying my reputation.
Consumer complaint received 2024-10-08
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AP)

I am filing this second complaint against Transworld Systems Inc. ( TSI ) for continued violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices in re-aging debt on my credit report. Despite my initial complaint on XX/XX/XXXX, TSI has failed to correct its misreporting as evidenced by their own admission via the verification documents provided and is actively extending the reporting period for this debt in violation of federal law. 

On or around XX/XX/XXXX, I closed my XXXX XXXX account, with the associated debt becoming delinquent shortly thereafter. TSI, however, has falsely reported an open date of XX/XX/XXXX, on my credit report, contrary to the original delinquency date as indicated by their own documentation. Under Section 605 ( c ) of the FCRA ( 15 U.S.C. 1681c ( c ) ), credit reporting agencies must use the date of first delinquency to determine how long negative information may remain on a consumers report. TSIs actions directly contravene this statute by failing to report the correct date, as shown in their verification documents. 

I have attached a screenshot of my credit report along, showing the incorrect date, with TSIs verification documents, which clearly display the original delinquency date as XX/XX/XXXX. This proves that TSI is aware of the actual delinquency date, yet continues to report a false date, while claiming compliance with the FCRA directly knn my credit report. This conduct demonstrates a clear intent to deceive both myself and the XXXX by manipulating the reporting period, thereby causing undue harm to my credit standing. 

TSIs actions are not merely inaccuratethey are a deliberate violation of my rights under the FCRA and evidence an intent to mislead. By falsely asserting compliance with the FCRA on my credit report while simultaneously failing to follow federal regulations, TSI has displayed a flagrant disregard for consumer protection laws. 

I demand that TSI immediately remove this collection account from all three credit reporting agencies due to their repeated non-compliance and deceptive practices. Furthermore, I urge the Consumer Financial Protection Bureau to launch a comprehensive investigation into TSIs reporting methods, as their ongoing violations and dishonest practices threaten the integrity of consumer credit reporting. Due to the obvious violation of my rights, I am also securing representation for consumer rights violations.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX I noticed there was a charge on my business XXXX  account. Since it was a PayPal charge, XXXX told me to see it with PayPal first, so I filed a claim with PayPal. That day, someone ( The landlord of the property rented with my card ) contacted me through XXXX and asked me if I was the person on the screen shot ( my name not my face ) and showed me an email address that was similar to mine except it had an extra letter. I said, yes that's me, but that is not my email address. So she told me someone stayed at her rental in Hawaii for 4 days. At that time I was in XXXX, and I have ways to prove I was in XXXX. I have all the conversation with the lady from the rental I can send you, she said the guy who rented the property said something was wrong with his card so he would be using his girlfriends, the property owner didn't ask for an id, so I guess they used my card, I dont know how they used my card because I had my card. I also had 2 different charges in Tennessee for XXXX XXXX, which I also disputed. PayPal denied my dispute, even though my PayPal was not used. So I filed a dispute with XXXX, XXXX also denied my dispute and sent me the conversation they had with the rental owner. Yes, I understand someone used her property, but it wasn't me, she says she has videos of the person who was there, and if she does, you will clearly see it was not me. I dont know how she got the XXXX XXXX of that person, and the phone number of the person she rented it to doesn't even exist. I placed a police report the day I noticed it happened. I didn't receive a text message from XXXX  asking if it was me or not. My card got charged {$1300.00}, and the only thing they tell me is they were going to send me the documents they used to verify I made the purchase and they just sent me the conversation with the landlord. I am willing to press charges if they find the person. I asked the lady and she says she didn't ask for an id. I dont think it's fair for me to pay for something I didn't buy, not using my PayPal , PayPal should have better ways to identify fraud, and XXXX not protecting their consumers.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/XXXX I ask Wells Fargo bank to dispute information on credit report due to recession hardships which prevent my payment with loss of job. Send them more request till XX/XX/XXXX and on XX/XX/XXXX letter of debt validation with charge off for {$7700.00} on XX/XX/XXXX received. Wells Frago also ask me send back possible details to support dispute. On XXXX  I ask them to provide me 1099- C form pursuit to section 1681 I ( a ) ( 2 ) from for the actual account XXXX charge off due to my financial hardship. Again on XX/XX/XXXX I had sent another letter asking 1099-C. But didn't receive any letter from Wells Frago Bank.