davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXXXXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$5300.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA 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
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

All the payments were made to the hospital and thru my insurance. Husband says he had a payment plan with the hospital and all payments were done on time. Full debt had been paid and I have no understanding of what Capio Partners were claiming was owed. No payments were made to Capio Partners.
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NJ)

THE COMPANY AMERICOLLECT INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (MD)

On XX/XX/2021 I purchased a vehicle and was financed through a 3rd party bank. On XX/XX/2021 I sent an affidavit to this company and on XX/XX/2021 it was delivered. I have not received a response as of XX/XX/2021. I as a consumer am aware that an unrebutted affidavit stands as truth in commerce. Within this contract I noticed a few federal law violations pursuant to CFR and USC. The first item was that the finance charge did not include the sum of all charges directly violating 15 usc 1605 ( a ) as defined. In this contract the amount that is suppose to be the finance charge per law is described as the total sale price. I was also mislead to believe that this company required me to provide a cash down payment ( in the amount of 1300usd ) in order to be approved for this loan which is in violation of 15 usc 1662. The notice provided in this contract was also incorrect pursuant to 16 cfr 433.2. With these discoveries pursuant to 15 usc 1692j this contract is false and deceptive. Also no right of rescission forms were provided to me which is a direct violation of 15 usc 1635 ( a ).
Consumer complaint received 2022-11-12
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. (TX)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the following account which I believe was reported in error. 

XXXX XXXX  XXXX Balance : {$1600.00}
Consumer complaint received 2022-11-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NV)

As of XXXX, the original date that the property first opened. They have the original date as XX/XX/XXXX is the date that they refinanced without letting me know, which is identity theft, until after the divorced in XXXX. I have the documents to prove it. I have the mortgage monthly payment from my XXXXXXXX XXXX checking account submitted to Wellsfargo Home Mortgage Account, but I found it is going to my ex wife savings account instead. So I had been paying my ex wife, because they paid off my mortgage on the same that I purchased, without letting me know. Thats how they fraud me.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank closed my account after I deposited several checks in early 2021 with no explanation as to why. I have called customer service, been into branches and have been given the run around.. It has now been over a year and Chase Bank still has not sent a check for the balance that was in my account.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

This complaint is continuation of complaints XXXX. 

Received letter from Selene Financial with wrong information of agreement with XXXX XXXX Mortgage Loan of forbearance approved thru month of XX/XX/2021. 

Please see letter to Selene, explaining their errors
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My car with Capital One was a simple interest loan that is only afforded to XXXX Americans by Capital one. 
Nevertheless, Capital One on XX/XX/XXXX, gave a total payout balance of {$26000.00}. They received a check on XX/XX/XXXX, in the amount of XXXX. I called on today and spoke with an agent XXXX who asked for the check number and confirmed they did receive the check but it is going to take 10 business days to process this check. This is so Capital One can collect on simple interest payments. They also refused to accept the payment as of XX/XX/XXXX, because it would stop them from collecting simple interest. 

I was in a car accident hit by a truck. I called and spoke with an Executive Team member who was compassionless and arrogant. 

I put down XXXX on this car and the interest XXXX  anyone who can't afford to pay it. If the agent can see that they have received the check at XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX why can Capital One process the payment and get me out of the loan terms without charging me extra interest? The car was a total loss. I am going to report this to the XXXX  and My Secretary of State. This is really awful. Keep in mind they gave me a credit line increase on my business card. Capital One is not for its consumers.
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (SC)

To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you. 
Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not 100 percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a Credit Site and Board where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports. 
I demand the following account to be verified or removed immediately. 

FINANCIAL DATA SYSTEMS XXXX XXXX XXXX XXXX XXXX, NC XXXX I also read where I can get the updated report after you investigated this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. 

Best regards, XXXX XXXX, XXXX
Consumer complaint received 2022-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

For close to 10 years My mortgage has been bought and sold a bunch of times and the payment was always around $ XXXX {$1800.00}. I refinanced with my lender ( at the time ) for a better interest rate. That was the end of XXXX. Fast forward a few months later and MR Cooper bought my mortgage. Kept the same {$1800.00} payment for a few months Then all of a sudden a letter comes and they are raising my payment to {$2400.00}. An increase of {$580.00} per month. It seems really excessive .taxes and ins didnt go up that much. They are impossible to get a hold of. They did another escrow analysis and now my payment in the new year is {$2300.00}. Still a huge increase to what I was paying for close to a decade. I have baby twins and a toddler so this payment is really impacting me negatively.
Consumer complaint received 2021-11-17
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. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this.
Consumer complaint received 2021-01-18
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. (FL)

I do not recognize certain items on my credit report. I am requesting that you immediately delete information off of my credit report that isnt mine. 
These accounts and inquires are not my and that my identity may have been stolen which I have included with this letter. 
Please find the attached documents.
Consumer complaint received 2016-09-02
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Control Technology, Inc. (CA)

I received a letter from Act Control Technology stating I owe the U.S Department of Education, but I am currently paying the only student loan I owe to a company called " XXXX ''. I consolidated my student loan with XXXX about one year ago. I received a similar demand letter from XXXX a few months ago and disputed the account with them. I have not heard from them since. Now I am getting another demand for the same loan XXXX was trying to collect. I believe the student debt " Account Control Technology '' is trying to collect is not a legal student debt.
Consumer complaint received 2022-11-12
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-10-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (FL)

I received a phone call on XX/XX/2016 stating they had important information about my residence and they stated my address in their voice mail message. My wife, brother, sister in law and nephew all received phone calls today stating they have urgent and time sensitive information they are trying to deliver to me and gave a case #. The phone # they gave for call back was XXXX. 

I have never given this company or this person prior express consent. 

Their company website is found at XXXX Their contact information is given as follows : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX XXXX : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX , XXXX. 
XXXX XXXX XXXX XXXX, California XXXX
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BB&T CORPORATION (TX)

I am a victim of fraud theft. I sold my ATV that was financed by Sheffield to an individual who led me to believe his bank was handling the payoff of my loan. However, in the end, he called into the phone bill pay system, entered false information and was able to show the loan as paid in full. The unit was delivered to the individual and 7 days later his funds returned as insufficient. My complaint is three-fold. 1. The phone system should require more identification and verification for someone to pay against a loan. All it asks for is the account number. The account number is easy to obtain and seems like a valid piece of information a bank might need to pay off a loan. No other information is required to make a phone payment so there is no way to know who is paying the loan or if they have authority to access loan details. 2. The phone bill pay system does not verify the checking account number, therefore, the system automatically assumes the account is funded and applies the "payment" to the loan immediately. 3. The funds for an ACH payment should not apply to the balance of the loan until the funds have cleared. The payment should show pending until the funding is verified. For this reason alone, I trusted the loan was paid in full because both the phone system and the online information showed a $XXXX  balance. Had it shown as "pending", I would not have given possession of the ATV until the funds were appropriately verified and applied to the loan.I spoke to Sheffield and they told me it was my fault for giving him my account number and all I could do was file a police report, but I am still responsible to pay off the loan. I understand my mistake now in giving my account number, but I honestly would have thought a financial institution would have higher standards and safeguards in place to prevent this type of fraud. If the system required verification of last four of social etc., not just anyone could falsely pay toward a loan. Also, if the system would have verified the checking account number with a check system, the payment would have been rejected at the beginning. Lastly, if the system would not have shown paid until the funds were verified and received, the loan would not have appeared as a $XXXX  balance and no action would have occurred with giving the theft possession of the vehicle. I believe the financial institution has the responsibility to right this wrong and not hold the account holder accountable for the loan given all the holes in their system.
Consumer complaint received 2016-07-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Data Systems (NC)

Received statement of charge in the amount of {$69.00}. This is not a debt I incurred. I called them 4 different times and they ha. Be ignored my request to take take my name off this debt. Could you help me resolve this matter?
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

There is a collection account shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case AFNI is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2022-04-21
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2022-11-12
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: Affirm Holdings, Inc (AZ)

I had a loan with the company Affirm. I guess I either forgot or didnt realize I had a balance. And it showed up on my credit so I paid it off in XX/XX/2022. Every month they are reporting it as non-payment since XXXX till now. I have disputed it XXXX times with no results. When I called the company itself it shows I have a XXXX balance as of XX/XX/2022. Yet they keep reporting to the credit bureaus there is no payment and I still have a balance. I have requested this to be corrected XXXX times and I have submitted a copy of the invoice showing I paid. And yet every month it shows no payment. This is hurting my credit and Im trying to buy a house which I can not do because of this error. I even submitted the invoice to the credit bureaus and they will not take it off because they think I have a balance which I paid in XX/XX/2022 2022
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (WA)

I have around ( XXXXXXXX XXXX and XXXX XXXX ) $ XXXX stored in BlockFi and I use them as my main credit card, this morning I tried to withdraw money from them, and they do not allow it, they seem to have used my money for their own gambling and now they blocked withdrawals. 

What can I do?
Consumer complaint received 2022-11-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key XXXX, FL XXXX XXXX 2.Please remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 16818-2 ( 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