davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AFNI INC. (NV)

On XX/XX/2021 I called AFNI , Inc. at XXXX and they asked me if I could pay by card I said no I will send a check to be cashed on the XXXX. He said we recommend you pay by card ( by which you occur a fee of {$4.00} which debt collectors may not charge other fees while collecting a debt according to the FTC ) He then told me if the payment was not received by the XXXX then the whole amount will come due which is a threat to coerce me into paying the processing fee from fear of having the total amount due.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

Carecredit through synchrony bank. Got it because my vet was partners with them and my cat needed XXXX, all was good until actually paying them back, they have bumped almost every payment i have made while giving me conformation numbers for all the charges, did not tell me they bumped them, charged a fee without telling me, canceled my account without telling me, charging me more interest rates because of nonpayment because they bump every payment thus knocking my credit score down XXXX points. On top of that you'll receive calls, texts, emails that are very unprofessional from them telling you to pay your account months after they bumped all your payments. Their explanation " your bank canceled the payments '', bank says they were there and just dropped off for no reason.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am reaching out to the CFPB regarding an account that EQUIFAX has allowed a company to place on my consumer report. 

The account has been placed by XXXX XXXX XXXX  under account # XXXX. 

I have spoken with EQUIFAX and written letters via certified registered mail affirming that this company is committing fraud against me. EQUIFAX continues to report this account on my credit report. 

I have suffered great loss due to this discrepancy. I have been unable to purchase a home, get a line of credit or go in the pursuit of my happiness. I have been denied multiple things because of this fraudulent account. This has caused insurmountable financial harm and undue stress to me. EQUIFAX is continuing to financially gain from a business relationship with XXXXXXXX XXXX XXXX at my expense by reporting fraudulent information about me. 

I requested validation from EQUIFAX and XXXX XXXX XXXX. Neither company has been able to present a valid contract with my original blue wet ink signature between myself and XXXX XXXX XXXX  I have never agreed to do business with this company. They have no documentation that they can provide to me that proves any contractual obligation to perform. I don't even have a contract between myself and EQUIFAX that gives them the authority to violate my right to privacy and report this information to companies all over the country. This is doing extreme amounts of damage to my life by inhibiting my pursuit of my own happiness. 

According to 15 USC 1692g, I am to receive multiple pieces of information that would inform me of said debt and would allow me the opportunity to dispute the validity. I never received this. I have requested it via telephone and did not receive it. I have written both companies on numerous occasions and have not gotten adequate response. 

EQUIFAX continues to commit fraud against me and obtains financial gain from a company that commits fraud against me.

They are violating 15 USC 1681 by inaccurately and unfairly reporting things against me, my credit worthiness, my personal information and my character. I have suffered damages because of this. I have been denied my own Credit, which I created, because this company is treating me unfairly by reporting this fraudulent information about me.

They are violating 15 USC 1681b. I, XXXX XXXX never gave EQUIFAX any written consent to report this on my consumer report, no consent is identity theft. I sent in multiple documents proving this was fraud and they continue to damage my consumer report and my life. 

This is my last attempt to resolve this before seeking assistant via the courts as I am a wronged consumer. I demand that this account deleted by EQUIFAX immediately.
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION (MS)

On XX/XX/XXXX I had two unauthorized transactions at out of state retail stores ( XXXX XXXX - XXXX XXXX ) and ( XXXX XXXX - Washington DC for both XX/XX/XXXX & XX/XX/XXXX ). I discovered and reported this information to my bank on XX/XX/XXXX and after investigation was declined the error dispute. The reason given was my possession of the card, despite sale occurrence out of state. These were unauthorized transactions for which I received no financial gain but a loss of {$4200.00}.
Consumer complaint received 2022-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (VA)

Mortgage Company is stating that payments are not being received since XX/XX/2021 to present. However, payments were accepted by company through direct deposit from bank. Then, payments were made through US mail by form of checks and checks were return not deposited from account holder. 

Mortgage Company claim from XX/XX/2021- XX/XX/2021 that payments were not received by XXXX XXXX. The servicing of the loan was transferred or purchase from XXXX XXXX XXXX to Selene on or about XX/XX/2021.
Consumer complaint received 2022-08-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

HAVE STARTED MODIFICATION PROCESS SINCE XXXX!!!!!!!!!!!!! HAVE FAXED PAPERWORK, EXTENSION FORMS, XXXX XXXX XXXX XXXX! HAD TO CHANGE FOR THE 2 YEARS SEE ENCLOSED NOW TELLING ME WRONG???? WENT EXACTLY ON 1099S! THIS IS THE 20TH TIME I HAVE FIXED! ONLY NEED 3 MONTHS P & L WHY AM I SENDING 2 YEARS??????????????? AM AN XXXX AMERICAN VETERAN NOW THIS IS DISCRIMINATION! 5 MONTHS AND STILL KEEP ASKING FOR PAPERWORK! TALKED TO MY COUSIN AND OTHERS HE HAS HELPED AND SAID NEVER DOES ANY OTHER MORTGAGE BANK OR SERVICING COMPANY NEED THAT! WELLSFARGO DID SAME THING TO ANOTHER CUSTOMER AND IS XXXX AMERICAN! WELLSFARGO IS THE WORST BANK, HAVE PROOF OF SO MANY FAXES BUT CANT SCAN ALL OF THEM! IF NOT RESOLVED GOING ON SOCIAL MEDIA TO SHOW EVERYTHING! THIS IS DISCRIMINATION! TALKED TO VA ALREADY SAID WOULD APPROVED!
Consumer complaint received 2021-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My mortgage had an escrow analysis XX/XX/XXXX based off the incorrect tax amount. I was told about this change in XX/XX/XXXX. My payment went from {$950.00} to over {$1400.00}. I went to my Controller office and they said the exemption fell off. They corrected the error and once I received the Certificate of Error I gave it to Loan Care. Ive called twice a week to have the escrow analysis update. No one is willing to help me. Ive been told no one speaks to that department not even the customer service reps. I would like for someone to resolve this conflict with XXXX and/or Loancare. I paid the agree payment of {$950.00} every month even during the entire forbearance period. This ends on XX/XX/XXXX now they are saying I am in the hole for {$10000.00} and the options they are giving me is to refinance or 2nd mortgage. They are offering this based off a false number. My taxes didnt change and the escrow analysis department refuses to make the corrections. I need someone to effectively explain to me how and why this happened.
Consumer complaint received 2021-09-22
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 an Legal Alien from XXXX. I have never used the Social Security number for anything besides Identification verification. In XXXX I recently pulled my Consumer Reports and discovered Fraud! There are two XXXX XXXX credit cards opened without my consent or knowledge! In no way did I benefit from these accounts or had knowledge of them being open. One account over {$1000.00} the other over {$3000.00}. The other Fraudulent and un authorize account is an auto loan with XXXX XXXX that was defaulted for over {$7400.00}. I have never did any business with this company! This account is fraudulent and un authorized! These items I did not open or benefit from. They will need to be deleted from my consumer report immediately! They do not reflect my credit worthiness. I have contacted the FTC and attached the report to this complaint!
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022 there were fraudulent debits taken from my bank account with my debit card at Capital One Bank. The amounts were {$6.00} & {$6.00}. After review the bank refunded these amounts so I conclude they agreed these were fraudulent. Again on XX/XX/2022, {$89.00} & {$89.00} were debited from my bank account by the same company, but the bank concluded these last 2 charges were NOT fraudulent. The bank will not provide their reasoning on how or why they came to this conclusion. I was sent a 9 page letter that in essence states that I did make the purchases on XX/XX/2022. The company is an online company that I have never heard of. Their name is orderlfonlineshop.com. When trying to contact the online company they do not answer the phone nor return emails. I am retired and can not afford to be charged for things I don't purchase. Please help me!
Consumer complaint received 2022-08-23
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: The Bureaus, Inc. (TX)

I reached out regarding Account XXXX. I dont assume ownership of this account but Im an effort to get it resolved I submitted a settlement letter. I was advised that this company no longer owns/manages this debt therefore they should remove the collection from my credit report with all 3 credit bureaus.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (GA)

Equifax notified me regarding XXXX XXXX XXXX that information " HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *ACTUAL PAYMENT *SCHEDULED PAYMENT *XXXX XXXX. '' Errors still exist on my credit report when I never had any creditor relationship with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was never my original creditorXXXX XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX  for an amount of f {$2100.00} or any such amount. There is no debt owed to XXXX XXXXXXXX XXXX XXXX as my original creditor because I never had any creditor relationship with XXXX XXXX XXXX XXXX. 

Equifax failed to produce any documented evidence of how XXXX XXXX XXXX a Debt Buyer Account is owed a past due amount of {$2100.00} for a debt owed to XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX  XXXX XXXX XXXX 

XXXX XXXX XXXX is listed on my credit report for a Collection balance owed for a debt to XXXX XXXX XXXX XXXX as the original creditor that is an error. 

Equifax remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX  remains in direct violation of The Fair Debt Collection Practices Act.
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I was notified of my being sued with Portfolio collection company. I have tried t reach out to them to no avail, they never answer and never get back to you. I am XXXX and can not sit on the phone all day waiting for them to answer. I have been told by my bank that there was credit card fraud on my account as well as fraud through my debit card. The bank advised me to file a report with the police which I did do. They also told me to contact the credit bureaus as well which I did, I thought everything was straightened out when I received in the mail a notice that Portfolio was suing me for over {$7000.00}. Can anyone help me with this matter? I am going to answer the complaint as well at the court house but wanted some advice of what to do?
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

They have called a couple times a month starting back on XX/XX/2021 and the last call was received today XX/XX/2021 at XXXX asking about a debt that isn't mine I have told them back in XXXX I don't know who's debt that is and to please take me off their list and they have not
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Garcadia Financial LLC (TX)

I XXXX XXXX XXXX am a consumer pursuant to 15 USC 1692a ( 3 ). This is a notice to Foursight Capital that it is my intention to invoke my right to rescind the contract that was created on XX/XX/XXXX in between I, XXXX XXXX XXXX, a consumer and XXXX XXXX XXXX, and then assigned to Foursight Capital as an assignee creditor. 
Pursuant to 15 USC 1635 ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 
I was never delivered the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter.

Pursuant to 15 USC 1635 ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.
Consumer complaint received 2021-09-22
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: ALLIANT CREDIT UNION (TX)

Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. 

Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. 

Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. 

The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. 

XXXX XXXX XXXX XXXX  XXXX XXXX Alliant Credit Union XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX of XXXX. XX/XX/XXXX XXXX
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of 3. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of Equifax Data Breach Victim
Consumer complaint received 2021-12-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: QUALITY ACCEPTANCE LLC (IL)

This incident occurred in XX/XX/2018 where the company Quality Acceptance repeatedly called my place of employment. They asked to speak to me but not before disclosing my past due payments with my employer. They were told to not call the office, once by my direct manager and once by myself. However they continued to call twice more disregarding our request. I understand it is consumer protection law that states they are not call a place of employment especially when told not to do so! 

The atmosphere at work had recently become stressful due to poor business at the time. Their refusal to leave my place of employment out of the process added to the hostile work environment. To explain briefly this attributed to my employer treating me with an added disrespect. Along with my mother being diagnosed with XXXX at the time I had fell behind on my financial obligations. I would just like to emphasize the fact that my employer had cast judgment towards me due to the collection agent badgering me at work which just made matters worse. Eventually leading me to take a independent contractor position elsewhere with less pay.
Consumer complaint received 2021-09-22
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: GOLDMAN SACHS BANK USA (MI)

On XX/XX/2021, I went into the XXXX XXXX  in XXXX XXXX, Mi to purchase an XXXX with a consumers credit transaction. Apple ran my credit through GOLDMAN SACH BANK USA without my knowledge to get an apple credit card and I was not approved. 

Under 18 USC 1028 ( a ) - FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, authentication features and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or I was not approved based on information that APPLE took from someone else and obtained from someone else other than myself. I, as a consumer am the only who who can extend credit. Apple is in violation of 18 USC 1028 ( a ) ( 7 ).

Under 15 USC 1602 ( p ) - DEFINITIONS AND RULES OF CONSTRUCTION ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Apple is also in violation of 15 USC 1602 ( p ), unauthorized use!

Under 15 USC 1681 ( b ) ( 2 ) - Permissible Purposes of Consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Apple did not have permissible purposes. I did not give Apple any written consent. No consent is identity theft. Please send me a copy of the written consent that I, myself gave you.

Apple is in violation of 15 USC 1681 ( b ) ( 2 ).
Consumer complaint received 2021-09-22
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.