davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I was a victim of identity theft and saw some accounts on my credit report that I did not recognize. 
I have submitted multiple letters since XX/XX/2022, to XXXX  to get a debt validation on XXXX accounts they have reporting under my name on my credit report. They have not responded. I then sent Experian a letter to let them know that I tried to validate it and there was no response from affirm and experian sends a computer generated '' its been validated ''. SO I then filed an FTC identity theft report as well as a police report and I forwarded them to XXXX  and Experian. 
Nothing has been done to date. XXXX, XXXX  sold this fraudulent account to XXXX XXXX ( which I just received a collection notice from )- but affirm is still reporting this account. 

Ive attached a copy of both accounts credit report, a copy of the FTC identity theft report, police report, and XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-09
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: American Credit Acceptance, LLC (TX)

This complaint is to inform the CFPB that my privacy is being violated by this lender. I previously notified the company that I was invoking XXXX Form of opt out notice to consumers ; opt out methods. 
As of today, the company has been evasive in complying with my notarized affidavit. My time is valuable. 
And the law requires a lender to comply within ten business days after receiving this notice. 
Included in this letter is a copy of the document they received on the 2nd of XXXX. Sent to their post office box via XXXX XXXX XXXX XXXX 
I have tried to deal with this matter with civility. 
But this company has failed to provide a reasonable means for me to opt out. I am left with no other choice but to exercise my right under section iii ( A ) of this law. Which states The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right. And use the resources provided by the Consumer Financial Protection Bureau. 
The law all financial institutions must abide by ; ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; So consider this my official opt out notice. This does not require a 60 day investigation. 

Please be aware, the law also requires you to accept an opt out direction from the consumer. And honor the request within 10 business days. You can not require the recipient to give you any personally identifying information beyond an email address, or make the consumer take any step other than sending a reply email or visiting a single page on your website as a condition for honoring an opt-out request. This letter is not a request for a sixty day investigation. A simple compliance with my request for privacy will suffice.

And lastly, non compliance with a consumers right to privacy is subject to a civil penalty of no more than {$100000.00} for each violation.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (WI)

I had a family pass for bio XXXX XXXX. It was paid by auto pay from my bank account every month starting XX/XX/2022. Now Im getting a debt letter saying I owe for XXXX and XXXX. But it was paid up. I never used the membership and called XXXX XXXX about discount for following year. They were to send me something in mail and email. But instead I got a debt agency letter saying I owe money. When I called them they ask for whole year monies! Which was auto paid through my bank. XXXX XXXX XXXX is the one I was talking to and he kept changing amount of money to more and more. Bullying me to pay up. Then when I said this is fraud and I was going to report it He hung up. I tried calling back and it automatically hung up. 


He threatens my credit. Associated credit services account number XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number XXXX
Consumer complaint received 2023-03-06
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. (IL)

Ive formally disputed Bankruptcy account information and ascertain that the data furnishers had permissible purposes for the account to potentially initiate said alleged bankruptcy be it true, or not valid or not defamatory allegations have to be Metro 2 Compliance in order to be maintained or reported I requested deletions of any information that is not subsequently with proof of permissible purpose documented evidence confirming validity, accuracy, timeliness and the mandatory perfect and certification Metro 2 Compliance. Attached below in red exhibits of incomplete, inaccuracies and unverified accounts/ and Fair Credit Reporting Act violations 623 ( a ) ( 3 ) required notice of dispute 15 USC 1681b -15 USC 1681e ( b ) - 15 USC 1681s-2 ( B ) ( A ) - 15 USC 1681c XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Keeping payments on this account consistently timely has been a priority for me, ensuring they are never overdue. I'm unclear about the basis for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections are necessary.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (KS)

On XX/XX/, I did an electronic transfer of {$10000.00} from my XXXX XXXX account to a new account at XXXX XXXX XXXX XXXX had frozen my account ( unbeknownst to me ) and the funds were kicked back to XXXX. XXXX can not seem to locate the funds or what happened to them. It has now been 26 days and I still do not have the $ XXXX. I have chatted through the XXXX XXXX  and sent emails resulting in over 30 messages. In each message, XXXX says they are investigating and then it goes to a new person at the company. I have repeatedly asked for a phone number for someone at XXXX with no response.
Consumer complaint received 2022-10-28
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2022-11-06
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. (TX)

UNAUTHORIZED/ MISUSED CREDIT REPORTING XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

Afni , Inc . 
XXXX XXXX XXXX, XXXX, IL, XXXX To : The Office of Registered Agent for Afni , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to repre-sent that you and XXXX AT T are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX , together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any XXXX Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have XXXX days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (GA)

I checked my credit report and I noticed those inquiries below, which I dont recognize and I would like them to be deleted from my report. See attachment. Inquiry details XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXL XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2021
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (OK)

I mailed a letter dated XX/XX/XXXX to Vanilla VISA Gift Card, Customer Care, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX requesting Vanilla VISA Gift Card replace 3 gift cards that expired in XX/XX/XXXX. I attached a copy of the front and back of each card, including the number, expiration date and 3 digit number on the back. The first card did not show a value. The second and third cards showed values of {$25.00} and {$50.00}. 

I received a letter dated XX/XX/XXXX listing Case Number XXXX from Incomm XXXX XXXX XXXX XXXX XXXX XXXX XXXX advising that Vanilla VISA Gift Card would not replace the cards because I did not have : 1 ) purchase receipt/s ; or 2 ) verification of address ( within 90 days ).

Obviously I would not have a purchase receipt since I was gifted the cards. The " verification of address ( within 90 days ) '' is unclear. What exactly would I be verifying my address within 90 days of?
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

This is a dispute in reference to two separate card accounts. These cards were shut down by Barclays for reasons that were never given to me on XXXX While the accounts were locked, I was told very explicitly by an agent over the phone that the only way for me to pay was via mailed check. My online account was locked so I could not make payments, and I was told explicitly that no external or phone payments would be processed. Additionally, I was told explicitly by the phone agent that if the payments were post-stamped by the due date, I would not be charged any interest or late fees. I mailed all the payments to these cards on time, but I was charged late fees and interest regardless, and due to Barclays incredibly slow processing of payments and XXXX century IT systems, it took extra weeks for the payments to be processed after they arrived, during which time they accrued additional interest. 

Therefore, I am owed {$150.00} of erroneously charged late fees and interest from Card 1, and {$56.00} of erroneously charged late fees and interest from Card 2. 
I am also owed refunds of the annual fees from these cards, since one of them was shut down ~9 months after opening, and the other ~1 month from opening. These amount to {$95.00} from each card.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.
Consumer complaint received 2023-03-06
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. (KY)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still a specific account that needs to be UPDATED. The 3 credit bureaus must verify this account : XXXX XXXX XXXX Balance : {$4000.00}
Consumer complaint received 2023-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (ID)

I have been trying to make my loan payment for weeks now. I have lost track of how many people I have talked to trying to resolve this issue. Their website was having problems so I scheduled a payment through them that they never took out. I attempted making the payment multiple times before this. They asked that I change my bank account on file so I added another. They said that it didn't work and to add a third bank account which I do not have. I had to change the bank account again and now they are saying it will take 5 days to change it. They have been spamming me with calls texts and emails about the overdue payment even though they know I have been trying to make the payment and the issue is on their end. They said they are going to report it to the credit company if it is 30 days past due. Its getting close to 30 days and now they will not even respond to me regarding the issue. I have had XXXX people stop responding to me and I am at a complete loss on what to do. I've tried making the payment online again and it says I can't because there is a scheduled payment. That scheduled payment date has past and I asked that they cancel it 3 times so that I can attempt online again and they won't do that. I have done all the contacting by either email or text so that I have the receipts to prove I have been doing everything that I can and they will not help me.
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (FL)

Hello, I had a mortgage with XXXX XXXX XXXX  and was in a forbearance due to Covid ( My Husband worked for XXXX ). The forbearance is from XX/XX/XXXX - XX/XX/XXXX. 
During the entire forbearance process I have been told that, due to Covid, the amount would be pushed to the back of the loan. 

My loan was then sold to SN Servicing effective XX/XX/XXXX. I received a notice from SN Servicing advising that the loan is in default. 
Called SN Servicing and was told the loan is due and they will not offer a deferment. 
Called XXXX and SN on three way on XX/XX/XXXX. Spoke to XXXX at XXXX   ( agent # XXXX XXXX and XXXX at SN ( asset Manager ). 
XXXX states loan is XXXX XXXX and DOES qualify for deferment of total amount at the end of the forebearance. 
XXXX states that SN doesn't service loans backed by XXXX XXXX so that is impossible. 
XXXX forwarded the loan origination documents and the loan IS backed by XXXX XXXX 
Homepoint then reported my loan 120+ days late to the credit bureau . I have sent them an email, and they said it will be under review for 30 business days. 
Why was my loan transferred to a servicer who doesn't service XXXX XXXX? Will the deferral be possible? Why am I reported late while on a forbearance? 
I am extremely concerned and want a resolution.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

As part of WellsFargo settlement payout to with customers since 2011, I have had multiple mortgage loans, credit cards and bank accounts with them. There have been several fees that were not waived upon request. When applying for a commercial loan, it was denied more than 45 days after underwriting without providing reason.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC. (AL)

I purchased a new car on XX/XX/XXXX and Santander Consumer USA financed the car for me! The car was XXXX I placed XXXX down which brought the car to XXXX then after taxes and fees the car was XXXX well Santander financed the car for then basically did a dollar for dollar on the finance charge, so they charged me XXXX for the finance charge, so I am paying for my car twice which comes up to XXXX XXXX paying for a car that was XXXX! I have had the car for XXXX  years now, I have filed Bankruptcy XXXX  times and they have charged off my account and also written-off the account which means they no longer have it and they have gotten a credit for it on taxes, but they keep calling me and harassing me and keep lying to me about what they have done! This is ridiculous and should be against the law! And they also shared my personal information and account number to someones personal information! I really would like to know how I need to proceed with filing charges against them for that! I have the letter from the CFPB it happened XXXX XXXX, XXXX! I believe and you guys caught it on XXXX XXXX XXXX! How can I move forward with this information?
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (DE)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-06
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (NV)

In a time of desperation, I was able to get a line of credit with Mobiloans in the amount of {$2500.00} in XXXX of 2022. I have up to this date not missed any of my bi-monthly payments that shift to different amounts each time but have been able to pay the balance which reflects {$2800.00} paid with a remaining balance of {$2600.00} remaining. I have placed a complaint with the XXXX  bureau as the customer service line is impossible to get through and generic emails are the only form of emailed communication. I understand that this company has had issues in the past with " XXXX XXXX XXXX '' and claims tribal immunity to state laws. I am requesting that my account reflect a zero balance owed as the interest rate is ridiculous making them a predatory lender taking advantage of those in desperation and causing more debt in the end. The interest rate is ridiculous making them a predatory lender taking advantage of those in desperation and causing more debt in the end.