davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I sent an id theft affidavit to Equifax to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (MD)

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 an 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, other than records of convictions 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 2022-09-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (IL)

On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX and XX/XX/2022, Explore Credit debited {$620.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Consumer complaint received 2022-10-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (SC)

I have sent two cease and desist letters to NCB MANAGEMENT SERVICES to their mailing address on file back on XX/XX/2022, via email to XXXX on XX/XX/2022 then via email a second time on XX/XX/2022 when the harassing phone calls did not stop. 
I have attached the cease and desist letter to this complaint as well as a screenshot of the numbers NCB MANAGEMENT SERVICES has called harassing me from I have made multiple attempts to resolve my debt with rise credit however was unsuccessful. I did not receive any Mail notification or options to mitigate with NCB MANAGEMENT SERVICES, they have continuously harassed me. 

The Fair Credit Extension Uniformity Act encompasses the federal debt collection statute, the Fair Debt Collection Practices Act, and provides certain important restrictions on the conduct of debt collectors.

Unless they have your prior consent or the express permission of a court, debt collectors and creditors may not communicate with you : At unusual times and places Before XXXX XXXX. or after XXXX XXXX 
Via telephone conversation more than once per week concerning a particular debt Using a specific method of communication ( e.g., phone calls or texts ) after you have requested that they stop communicating with you via that particular method At work, if they know your employer disapproves of such contacts When they know you are represented by an attorney
Consumer complaint received 2022-09-08
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. (IL)

I've filed multiple dispute letters with all three credit reporting agencies stating that the inquiries were incorrect and falsely reported and also against the law. I would like all of those inquiries removed. My phone was compromised as well as my personal info. I would truly like to see these inquiries removed immediately.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Rent Recovery Solutions (NC)

Can a debt collection report something to XXXX of the credit bureau 's before XXXX months after it become ( delinquent ). I had to move from my housing complex and I did not get in touch with my ex landlord for XXXX months after I moved. It was not my intention not to settle this matter at all, and I do n't fell that it was wright for a collection agency to report it to the credit bureau because when they called me I did not agree to settle it with them. I told them that I would contact the creditor to make a payment plan with them.
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: DISCOVER BANK (IN)

I received letters from XXXX XXXX XXXX XXXX ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX filed suit in Indiana XXXX Court. XXXX XXXX, there was a hearing I denied the debt. I asked for XXXX and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did XXXX XXXX XXXX XXXX make it known that they are representing XXXX. XXXX of the documents from XXXX XXXX XXXX XXXX, states the client is XXXX XXXX XXXX and the Original Creditor is Discover Bank. Another document from XXXX XXXX of Discover Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never once has any of Discover Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between XXXX XXXX XXXX XXXX and Discover Bank, contract between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and between Discover Bank and XXXX XXXX XXXX. I have not received any documents giving XXXX XXXX XXXX XXXX or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.
Consumer complaint received 2022-09-08
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. (OH)

In Accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX have 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AXIA FINANCIAL, LLC (CA)

Near the end of a new mortgage application with Axia Home Loans in XXXX XXXX Nevada, during the 72 hours after receiving the final declaration notice, I cancelled the application. I then opted to complete the purchase for cash as the first escrow extension was about to expire and place the purchase in jeopardy. Days later, I received a statement of credit denial from the Axia Home Loan company in which they indicated the loan was denied due to credit issues. After a follow up email to the loan producer XXXX XXXX she assured me that my credit was fine and not the reason our business ended. She then asked for a few days to remedy the misinformation. When that time frame expired, I tried to contact her by phone in a final attempt to allow them to change their action and furnish a letter of termination. At this writing, I have received no further contact. Senior loan processer XXXX XXXX was also familiar with the application details and cancellation. She too offered correction to what I believe to be the punitive credit declaration.
Consumer complaint received 2021-09-25
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. (CA)

2nd complaint! I previously filed a complaint against Equifax due to their mis filing on my credit report. They replied with a typical e Oscar answer and stated they would look into this issue and cfpb closed the complaint. I just received noticed that Equifax " verified '' this account AGAIN. I had requested documents of their " verification '' on this bogus XXXX account which I never received. They even updated my credit file on XX/XX/XXXX which states " verified accurate '' and also states account was open in XX/XX/2020. This is WRONG. I never opened an account in XX/XX/2020. Equifax is falsely reporting inaccurate information and I was advised my disputes are vexatious and they do not really look into my complaints anymore ... .they just pass it over and reply with a general response without investigating the reality. I am currently trying to update all my information on my credit report to be accurate. Equifax is not helping me whatsoever. I believe this to be retaliatory due to my complaint. They have done nothing more than lower my score and not complete an accurate dispute and give me adequate information to truly validate my disputes.
Consumer complaint received 2016-12-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (WA)

I had a second mortgage with LoanCare of VA. In XXXX XXXX I made my normal payment at the beginning of XXXX. Then at the end of XXXX I made my payment for XXXX XXXX. Then about four months later I started getting late notices. LoanCare had counted my XXXX XXXX and XXXX XXXX payment as one XXXX payment. I called and they fixed the issue and removed the late fee. They assured my at the time that their error would not so up on my credit report. It showed up on my credit report anyway as a late. The account was never late. I have complained numerous times to them and the credit bureaus but they refuse to fix their mistake.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: OPORTUN FINANCIAL CORPORATION (MI)

Back in XXXX of 2021 I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXX, Mi, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}, and although the company kept this items and still refused a refund this credit card company is still refusing to return funds to me. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the XXXX XXXX and never received a call back. I then received XXXX letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. Attached is my most recent compliance with the company, along with the confirmation of the fax. 
I resubmitted this claim a week ago with the same information that they keep requesting and stating I'm not providing with an additional fax confirmation. I'd like my money back along with all interest charged as a result due to them reporting this amount as owed to the credit bureau during my dispute.
Consumer complaint received 2016-12-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (NC)

There was a loan taken in my name from a company called XXXX which I had no knowledge of or received money from. A company called Cach LLC bought the loan from them and originally called me in XX/XX/XXXX through Fresh View Solutions, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from XXXX or CACH LLC. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX XXXX XXXX who attempts to collect money on behalf of CACH LLC, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what XXXX requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from XXXX or CACH LLC. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

There has been mobile deposits on my account multiple of them. The first one was on XX/XX/22 amount of {$1900.00} and a XXXX transaction of {$400.00}. Another check on XX/XX/22 amount of {$1900.00} and another XXXX transaction of {$840.00}. Those acting have not been made by me. The bank keeps blaming me but I know it wasnt me someone must have logged in to my bank account and did this activities. I originally had XXXX its not a lot but its something to me from my hard work that I get direct deposited from my job XXXX XXXX XXXX. They are currently telling me to pay those transactions fees but its not fair that my account is at XXXX from transactions I have not made. All I am asking for is for my XXXX back
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/22, once again Synchrony Bank took a credit that I hadnt use drop the limit from XXXX, to XXXX which has drop my Credit Score as if Im using up my credit this keep happening my credit is been damaged this a on going problem they also took the my discount tire account the same from XXXX XXXX these cards was not even 30 % use
Consumer complaint received 2022-02-01
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. (TX)

EXPERIAN, XXXX AND XXXX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

My wife was contacted by a blocked number that gave her the number XXXX XXXX  XXXX XXXX They stated that a process server was going to come today and wanted to confirm our address. I called them back and was initially confused because the debt they were going to sue us for ( breach of contract, fraud, etc. ) was past the statute of limitation and that they were going to put a lien on our house. Basically ALL the expected strong arm tactics of a bad Debt collection business.

Once I started figuring out what they were up to, I called back and asked them to give me their address, without identifying myself. The individual I talked to Started reading me a pretend address where the numbers were my and my wife 's social security number. ( XXXX XXXX XXXXXXXX XXXX ), for example, additionally he started insulting me and and asked me to grab a crayon to make sure I wrote everything down correctly. Then I was transferred to another individual and they gave me the address of XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX.
Consumer complaint received 2016-06-07
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (NY)

Loan # XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, NY XXXX We represent the XXXX, the borrowers/owners of the above referenced property who have been trying to complete a short sale with XXXX for over a year! We are now on our XXXX buyer as we have lost our prior buyers due to the extensive delays by XXXX in processing this request. On XXXX XXXX, 2016 the prior servicer ( XXXX XXXX ) confirmed that the appraisal was done and they would be issuing the approval latter that week. On XXXX/XXXX/16 the loan was transferred to LoanCare, LLC before the approval letter was issued. 
We have called daily for the past 2 weeks trying to get status and are repeatedly told that no one has been assigned to our client 's file. This is the worst case of unresponsiveness and torment by a lender we have ever experienced.
Consumer complaint received 2022-09-08
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. (TN)

I bought my first car in 2019 after the fact I had some issues with them pulling my credit using my social security number and I had to have my dad cosign. A few months after I got a call from a lady who thought I was using her credit as fraud. That however was not the case my social and her social are one digit off our birthdays are about two weeks apart born the same year and both of our names are identical other than middle names, so I believe we have a file mix up. After multiple failed attempts to contact all the credit bureaus to get access to my credit report I could not access because the information is combined. I was informed by the bureaus to mail in a letter with an explanation on the issues and a copy of my social and id. I did that and only got two bureaus to respond and all they sent me were my credit reports which showed me that the social on my accounts was not mine, but it was my name it also had the other lady 's name on my credit report the addresses were also mixed up. I have multiple debts on my credit report that are NOT mine there is also multiple applications for things I have never applied for. It also shows student loan and a home mortgage it is a complete mess and as I said above, I have been in contact to all the bureaus and none of them have offered any assistance on helping get the files separated I do not have access to any online credit reports to even go dispute things because I can't verify information that's connected to my social because it's the other womans information. I am very upset that the bureaus have not taken this issue more seriously I can not get approved for anything I apply for I can't own a home or even get a student loan if I wanted to this issue needs to be resolved asap, I have tried multiple attempts to fix the issue myself and have just been sent in circles.
Consumer complaint received 2022-09-08
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. (CA)

XXXX XXXX XXXX  mistakenly sent a balance that I did not owe to XXXX XXXX XXXX. I satisfied the balance as a sign of goodwill because this account has dramatically impacted my credit and financial well being. Upon satisfying the balance, I was told verbally that this account would be deleted from my credit. Please delete.