davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (VA)

The loan was taken out by my mom and dad in XXXX. According to the original loan agreement that was sent to us the loan was taken out for {$32000.00} and they were due to pay back {$130000.00} and the loan was to be paid XX/XX/XXXX. The original loan was taken with XXXX and is currently with Fay Servicing. We originally asked the company to freeze the Interest so our mom could pay the principal. They denied that request and said they were honoring the original contract. Our mom and dad had filed bankruptcy on the loan years ago but we don't want to lose the property which has been in my mom 's family for almost 70 years. The house is unliveable and we sent multiple pictures to them to show this. Our parents have been paying on this loan for 27 years and she still owes $ XXXX with no end in sight. Our mother has XXXX XXXX and our dad passed in XXXX. We feel this is a predatory loan and would like for our mom to be able to get the land back. I have filed a complaint with the Attorney General of VA also.
Consumer complaint received 2024-05-20
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. (NY)

Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : XXXX. Validation of the debt that is the actual accounting. 
XXXX. Verification of their claim against you : that is, a signed Invoice. 
XXXX. A copy of the contract binding between me and you in a letter by certified mail. 
XXXX. Full disclosure because I was not told that I was creating the credit with my wet ink signature. 
XXXX. Equal consideration because you as the creditor brought nothing of value to the table. 
XXXX. Lawful Terms and Conditions. 
XXXX. Wet ink signatures between you and me. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (IN)

I have not been notified and I found out by accident that my mortgage has been sold to Shell Point, I told them I already had a modification agreement with my previous company but they have refused to recognize it. They sent a very strange person to my door last night and she walked onto my property and took close-up photos of my door and my house,
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MO)

I applied for an Open- Ended extended line of credit with CARE CREDIT/SYNCHRONY BANK FINANCIAL and was denied. Regardless of the reasons for denial, I have the right to credit. With holding my access to my securities is SECURITIES FRAUD. XXXX XXXX IS VIOLATING THE EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER AND CONSUMER CREDIT PROTECTION ACT. CREDIT DENIAL IS CONSUMER FRAUD SINCE XXXX XXXX HAS DENIED ME MY CREDIT, PLEASE RETURN MY APPLICATION FOR IT IS NOT A GIFT.
Consumer complaint received 2024-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OK)

I received a Friends and XXXX transfer on PayPal that I didnt ask for. The family member who sent the funds is elderly and sent it in error. The amount sent was meant to be {$500.00}, but the family member incorrectly keyed in {$50000.00}. The family member immediately contacted both PayPal and their bank. The bank confirmed the transaction would not process. PayPal refuses to cancel the transaction and is telling me to refund the non-existent money back to the family member. I did not request the money, its never been processed as a financial transaction from the bank, and I do not want it on my account. Its being treated as income to me of $ XXXX that I didnt ask for. PayPal just needs to cancel the transaction that never processed.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I received the attached letter from Midland Capital Management who claims I owe them payment for a credit card account with XXXX XXXX  for {$4500.00}. Midland says they own the account BUT there is no proof of ownership included. To confirm their claim is legitimate, I demand one of the following : 1. a contract between myself and Midland showing I owe them money ; 2. a unredacted Bill of Sale for the alleged account showing my name ; 3. a purchase agreement showing my name and account number ; or 4. unredacted asset schedule showing my name.

This is a request for proof of ownership, NOT validation. If Midland is unwilling or unable to provide this material, I demand they cease all further collection efforts and delete this information from any of my credit reports. I am ready to seek the services of a consumer lawyer if acceptable proof of ownership is not provided.
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

That company is called National Credit system. They have put a collection in my name and the amount almost getting into {$6000.00}. I have been in contact with this company for almost a year now I have provided documentation to prove that this is an identity theft I have been a victim of identity theft, but this company still insist I am the owner of this amount which is false based on the documentation I have given them. I have another amount almost {$12000.00}. I just fought with the collection company for this amount to be taken off my credit this National Credit system in for greed, and dont want to help anybody. Im at the verge of being XXXX, they are to do investigation you call them. They tell you to call back in XXXX month or XXXX months. I am sitting here in my bed. Dont know what to do because I have XXXX little children due to identity theft I am almost about to be XXXX please I need help. I am a citizen of this country. I work hard. I am a XXXX. I help people. I have a good job, but I can not get a place to rent because of identity theft and National Credit system is failing to do their work.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Not familiar with this company. Never entered into an agreement with them. Violation of FDCPA, statute of limitations has passed, supervisor XXXX XXXX said this account is from 1988, I know nothing about this account. Access my non public personal information. Violation of the XXXX XXXX XXXX XXXX. Illegal attempts to collect a debt passed the statute of limitations.
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX I applied for schooling thru university of XXXX. I did n't know where to go or where to start. I was a single mom of XXXX working a job making {$7.00} an hr. The reps from enrollement told me I could get grants and not have to pay for schooling due to my income, they also told me I could do my general schooling online the transfer to a local school to finish my XXXX degree. They lied about everything. The schooling was a joke and they took out money for federal loans saying that it was grant money. I only attended from XX/XX/XXXX to XX/XX/XXXX. They took out additional moneys and lied every step of the way. I could n't use any of my credits or schooling to transfer to XXXX XXXX or even XXXX the XXXX college locally. I was frauded by university of XXXX due to me being a single uneducated mother and people who I thought were giving me guideance were only steering me in financial destruction. I have never been able to make payments to the loans from XX/XX/XXXX/XX/XX/XXXX and now it looks like there are more loans and looks like they are new even after all these years. I have tried disputing and just do n't know where to go on this any more. University of XXXX scammed me.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (FL)

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 Caine & Weiner 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, often than records of conviction 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 2024-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (OH)

As a full class member of the XXXX v XXXX lawsuit, and referencing my approved XXXX XXXX to Repayment application under XXXX XXXX # XXXX, I had applied for loan discharge based on the Department of Education 's acknowledgment of XXXX 's fraudulent practices during my enrollment. 

However, I recently received correspondence from FirstMark Services stating that I am not eligible for loan discharge. This is concerning to me, as the borrower defense application approval ( # XXXX ) clearly indicates that I am entitled to relief due to the fraudulent actions perpetrated by XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Called Experian on Tuesday XXXX Talked to XXXX at XXXX XXXX XXXX. When I ask to spell her name, she said " I guess I will spell it the correct way. '' XXXX The whole time she was aggressive from the beginning to the end. I ask her to remove another social security number, she had on file, that was not mine, then I told her to update my current address. I then ask her to remove all old addresses, that I no longer live in. She then stated, " That it's Experian policy not to remove any old addresses. '' So, I ask could Experian send me a copy of this so call policy. 
As know this is a straight violation of the FCRA. When I ask for a manager, she said it was not one in the building. I then ask her to send me to escalation, " She said that it was a que in line '' I told her I would wait, " she said she could not transfer me. '' She kept on going back and forth. These practices that Experian, is using are unacceptable and consumers need to go and get proper educated on their rights and seek out the right help.
Consumer complaint received 2020-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One XXXX, VA  XXXX Hard inquiry - I did not Authorize XX/XX/2019 Cap One XXXX XXXX XXXX, UT  XXXX Hard inquiry - I did not Authorize XX/XX/2019 XX/XX/2019 2019
Consumer complaint received 2024-05-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

In XX/XX/year>, I Sent Equifax Credit Bureaus a dispute that the company XXXXXXXX XXXX XXXX I with a balance of {$3100.00}. The credit bureaus is reporting false information and reporting accounts that do not belong to me. I sent the company a letter and a copy of my identification card. The letter requested that the item needed to be verified and removed. I also requested they send me the steps on how they confirmed that these accounts were mine. They failed to do so, with only a response that stated the account was verified but failed to provide proof of their investigation to claim so. 606 ( b ) - 15 U.S.C. 1681d states Disclosure on request of nature and scope of the investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is later. 623 ( 9 ) ( b ) ( 1 ) ( E ) ( ii ) - 15 U.S.C. 1681s-2 states, If an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly delete that item of information. I, the consumer, am requesting the immediate removal of this false reporting on my credit report.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (MI)

To Whom This May Concern, XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( XXXX ) communicating with me through email/text/calls. I would also like to request the purchase agreement between XXXX and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (NV)

On XX/XX/year> I have been notified by XXXX that one of my cards have been mark delinquent which is the Apple Card by Goldman Sach Bank USA... I have been personally dealing some rainy season within my business and had to resort with using my personal to cover some personal and business expenses... 

I had full confidence that I had all my credit card on auto pay especially the apple card. However there was no email I have received from the bank I can recall to remind me to even pay my card at all. 

I them immediately contacted Apple support to resolve this issue after I have noticed this issue on the same day XXXX XXXX Since it's my first time being notified this delinquency on my credit cards and have been a on time payer since ever being a credit card user I was not too aware on how delinquency works. 

I have asked the Goldman Sach/Apple representative about this issue and at first they didn't even say anything they have mentioned to me they we're not sure why I was calling even though I recieved a voicemessage from Apple from XX/XX/XXXX as well telling me to call them back Then after I mentioned that I have received the delinquent report I have received then the representative finally figure it out I asked her then if it will affect my credit score, she then replied " no, you have made payment now so you should be fine '' Then a month later I found out that my credit score took a hit and has been reduced to XXXX even though I have been an on time payer since ever being a customer.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have 5 lates on my credit report that shouldn't be there. I fell behind because i got XXXX in XXXX and couldn't work for 3 weeks. I contacted XXXX XXXX about this and they were supposed to be understanding. I made my payment as soon as I was able to in XXXX and I thought i was up to date - apparently they charged me a late fee that I wasn't aware of, my account looked fine online, so I just kept making my payments. Come to find out that a late charge was on my account that hit my credit report in XXXX, XXXX, XXXX, XXXX and XXXX. 
I can understand one late charge, because I truly was late in XXXX, knew I was going to be and called XXXX XXXX for circumstances out of my control, but to have this continue to roll into several months is XXXX. 
My account is paid up to date as of now, but my credit is suffering for this. It is not fair.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I need my video recording and transaction times for everything when I called and realized it was a scam, advised I believe I was scammed, and when the money initially went through. I don't think that is very hard to get, yet Wells Fargo is making is beyond difficult.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!