davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice AFNI, Inc did not respond when I requested information from them regarding the alleged account
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (GA)

Freedom mortgage inaccurately added late payments to my husband and I credit report that they stated would be removed if we provided an explanation from the bank and provided proof that the bank account that had fraud was closed. They also stated they would dismiss all late fees. 
All information was provided and Freedom Mortgage removed late fees but were not willing to remove late payments from credit report because they stated it would show that they made inaccurate postings. Since then Freedom Mortgage has made several mistakes causing us issues. Freedom Mortgage fraudulently cleared our mortgage and when attempting to make mortgage payments they stated that they had no principle to apply my payment to. I pleaded with them to take my payment so I wouldn't take anymore hits to my credit report. They refused to take my payment and stated they would have to send payment back and could possibly charge me a late fee if there is a system issue. 

XXXX XXXX and XXXX XXXX were the 2 supervisors assisting. XXXX apologized about the confusion and stated that with the removal of late fees for both borrowers credit report should have been adjusted as well. XXXX stated she would make sure it was taken care of. XXXX XXXX followed up to state that they would not be honoring that request. 

Attached is the letter sent to freedom mortgage as a follow up to the promise of removing late reporting from credit. I had to call more than 50 times and send more than 15 follow up emails before I could get a response. Also attached is the XXXX XXXX letter and proof of our entire mortgage cleared with a XXXX balance that caused a month long of confusion. This is proof of freedom mortgage constant mistakes.
Consumer complaint received 2022-06-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX  XXXX bankruptcy ) has violated my rights. 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
Consumer complaint received 2020-12-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$330.00}
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I made a {$200.00} transfer through XXXX via JPMorgan Chase to another person. This payment was sent to purchase merchandise, which was posted on the app called XXXX, by a person named XXXX. I never received the merchandise, and the seller took down the original merchandise post and deleted their account. 

On the same day ( XX/XX/XXXX ) I called JPMorgan Chase and spoke to an agent, supervisor and manager on the phone, who all told me nothing can be done to return my money or have it refunded. I explained to them that this was fraudulent. I was given no opportunity to present evidence to prove my case, given no opportunity to prove that I was scammed, and they took no attempt to reach the receivers bank. I was told several times that nothing could be done.
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (NC)

Experian and XXXX XXXX are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX XXXX that has {$1000.00} credit limit and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MI)

I have Care Credit card - Synchrony Bank, they gave me 18 months same as cash and my former balance was about {$4200.00}. Today I got my statement and it was {$6300.00} because they charged me interest for 2-3 year after my promotion ended. This should be illegal taking advantage of people who don't understand all of the fine print and they never informed me of back interest. I am not a lawyer and don't understand all of the legal wording.
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER ''.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

EVERY YEAR FOR FIVE ( COUNT THEM ) FIVE XXXX YEARS THE SAME XXXX. 
I GO TO EQUIFAX ON ANNUAL CREDIT REPORT. I WASTE MY TIME, GET STRESSED AND MORE ANSWERING ALL THEIR XXXX QUESTIONS. 
MOVE RIGHT ALONG TO THE END TO GET THIS XXXX ... ... ... .. 
WE ARE SORRY, YOUR ANNUAL FREE CREDIT REPORT IS NOT AVAILABLE ON LINE ... ... ... 
LIES AND XXXX ... ... .... 
FIVE YEARS OF THEIS VERY SAME XXXX STORY ... ... ... 
NO WAY, THEY JUST DO NOT WANT TO DO WHAT THE FEDERAL GOVERNMENT AUTHORIZES THEM TO DO ... ... .... 

FIVE YEARS, SAME XXXX STORY ... ... ... AM I MAD AND STRESSED???? BET ME I AM. DO I TRUST THEM, BET ME NO ... ....
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I have not supplied proof under the doctrine of estopper by silence, Englehardt v Gravens ( mo ) 281 SW 715, 719 1 presume that no proof of the alleged debt, nor therefore any such debt debt, in fact therefore exists. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX  {$9900.00} XXXX  XXXX XXXX opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX  XXXX opened XX/XX/XXXX {$2800.00} XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX  {$7700.00} XXXXXXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX {$31000.00}
Consumer complaint received 2021-12-07
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. (GA)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2020-01-30
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. (CA)

Experian makes it nearly impossible to unfreeze my credit report. They have no way to contact a human, the online system rejects my information despite my already having dealt with them and receiving a PIN. There is no way to find out why this is happening. They want me to mail in via regular postal mail a copy of my government ID, my Social Security Card, utility bills, and the like, and then wait several days or more to unfreeze my credit ( which was frozen with them online in the first place ). The other two credit bureaus have no such onerous rules.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I received {$1000.00} from XXXX to my Bank account ( Citizens Bank ), at that time, I do not know who sent this money, I thought it is a mistake wire. so I called Citizens bank and ask them to return this money back to the sender. on XX/XX/XXXX, {$1000.00} deducted from my account, shows XXXX Debit {$1000.00}. A couple of days later, The sender contacted me, he told me he sent me money through XXXX. But the money {$1000.00} was deducted from my account already. I think this money will back to the sender account. so, I did nothing. But after a month, the sender still not received the returned money, Neither I. I called Citizens Bank on XX/XX/XXXX, I was told they are working on it, 10 days passed, still no answer. I also send an online message to Citizens bank on XX/XX/XXXX and XX/XX/XXXX, they reply the same : " Our records indicate you disputed a {$1000.00} XXXX credit posted to your account on XX/XX/2021. Per your request, we have debited your account {$1000.00} for credit received on XX/XX/XXXX, XXXX " and Citizens Bank ask me to contact Sender. I called the sender, he said he also contacted his bank to get this money back, but still no feedback.
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (WI)

I keep getting calls all day from Comenity Bank and XXXX XXXX. I explained I was out of work, but they are now calling family and friends. It is a nightmare with them. XXXX and XXXX are some of the numbers that call from. How do I file a complaint against them. Some threaten legal action. 

Here is voice mail from them on XX/XX/19 You received a voice message on Thursday XX/XX/2019 XXXX from XXXX Inbox x XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX to me, XXXX You have received a new voice message From : XXXX Date : Thursday XX/XX/2019 XXXX Length:86 seconds. 

This message is for XXXX ... this is Mrs. XXXX calling from Comenity Bank. I need to hear from you today. If you are represented by an attorney for this matter. Please have your attorney contact me today so we can discuss your situation and options that are available to you during (? ) the rain if you choose not to return this message I will be left with no choice but to continue efforts to resolve this matter. Please understand that it is my intention to insure this important matter is resolved before we are forced to escalate. Please contact me today at XXXX extension XXXX. Again I am in the office until XXXX XXXX Mountain Standard Time and my number is XXXX extension XXXX.
Consumer complaint received 2022-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX  XXXX bankruptcy ) has violated my rights. 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
Consumer complaint received 2019-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Applied for loan and was pre-approved for XXXX 12.99 APR 36mo loan. Was told that I just needed to submit bank statements and paystubs. Also asked for work phone number. Received phone call saying that they wanted phone number for HR. I explained that given the size of my company they will only do verification through a letter or theworknumber. They demanded a HR number which I had already explained they would not do verification over the phone to protect the privacy of employees. They insisted on the number which was supplied to HSBC. Subsequently they denied application after hard credit pull stating that employment could not be verified. This seems like discrimination given its not my fault my company is trying to protect my privacy and not advertise to anyone who calls that I work for the company. Additional they advertise the process as fast. This seems very manual to me. No other loan company has required anything beyond paystubs or a letter for employers to verify employment.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AR)

My complaint is with Specialized Loan Servicing, LLC. ( The  original loan was with XXXX in 2006. It was sold to XXXX XXXX and then to SLS. ) Since XXXX, 2006, we have made payments of {$610.00} per month, for a total of {$91000.00}. Of that, approximately {$17000.00} has gone on the principal and approximately {$74000.00} has gone on interest. There is an adjustable rate, but it has essentially remained at 10 %. The current outstanding balance is {$60000.00}. 

I recently contacted SLS about paying off the mortgage early for a reduced amount. It's a 30 yr mtge, so I still have about 16 yrs to go. Since I have already paid more on interest than I actually borrowed, it seems reasonable that they could reduce the payoff amount to {$30000.00} or {$40000.00}. SLS, however, does not see it that way! I apparently did not understand that this was set up in such a way that would involve paying back more than THREE TIMES what I actually borrowed! That is totally unfair and unethical. Please tell me this can be resolved in my favor. Thank you for your time.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NV)

Chime bank has let XXXXXXXX XXXX take money out of my account Checking account XX/XX/XXXX XXXX XXXX XXXX and Credit account XX/XX/XXXX XXXX XXXX XXXX a total of {$3200.00}. 

I disputed these charges XX/XX/XXXX so chime close my account XX/XX/XXXX .I have direct deposit from Social Security Chime tell me I have to wait 30 days to mail me a check I can't wait 30 days .rent, phone and lights are due If I would of lost a debit card chime would sent another 2 to 3 business days.Chime has treated me like I'm the criminal instead of the victim
Consumer complaint received 2023-03-02
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. (GA)

I am the author of this complaint and the attachments included in this complaint as well I recently checked my credit report and I noticed numerous inaccuracies and unauthorized inquiries and information on my credit report
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Dimand Law Offices, P.C. (IL)

Inform this law firm that the account did not belong to me Informed Dimand law firm that I do not reside in Illinois any more Inform the attorney that this matters was resolved with XXXX XXXX XXXX XXXX and it was removed from my credit report as fraud Still decided to sue me in XXXX XXXX XXXX for a debt I do not own Trying to sue me and collect income that is protected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that income is protected and they are still pursuing me