davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (WA)

arvast central mortgage company resent a payment several months ago for not having enough in the account but when i spoke to the bank they showed there was more then enough money in the account. ever since then i have to call since they would allow me to set up an online account and whenever i try to pay they always take several days to actually call back over a payment when i call there line another department answers and says no one is available and this happens for the past five months now. to even get to pay they wouldnt let my grandma pay due to her demtentia and not being able to remember her info for the account but wouldnt let me pay either. they requested i send power of attorney to an email which i did was requested and was told to wait like two weeks for it to be added never got a call back. so when i did call back i asked whats going on and they said they never heard of that email i sent it to and gave me another one so i sent it again and was told to wait. never heard back again so i called and was told this time they dont take that through email and had to mail the letter. I seen where this was going so i sent it certified mail and seen that they got it waited a week to call and guess what they said they never got it. I let them know very well there company had the file and had evidence to prove it and if i didnt get it added since they were going to forclose on the house i said well i think im going to have to contact a lawyer and the last thing i sent was proof of tracking and that they did have it and that was it and then somehow they found it pretty fast and was added to the account to take a payment just seems a little odd that i had too say i was getting a lawyer and then they happen to find it pretty fast.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL) (AL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX   XXXX  breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (RI)

Account opened fraudulent in my name company never fixed problem and pay balance but company but the company continues to report delinquency in the account that was paid with the attempt to remove it and it continues to affect my credit score because they do not stop reporting violating my rights even more
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Ive advised all 3 credit Bureausto send me a copy of my report and they wont, so continue to merge my daughter and I as the same individual and have refused us the opportunity to obtain copies of our free credit reports to correct.
Consumer complaint received 2020-08-13
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. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has  gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-08-13
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX CHAPTERBANKRUPTCYDISMISSED XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$590.00}
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harris & Harris, Ltd. (SC)

Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by a company that I do not recall authorizing. I understand that a company should not be allowed to put an inquiry on my file unless I have authorized it beforehand. A company called Harris and Harris for XXXX XXXX reference # XXXX acct # XXXX for an amount of {$2000.00}. I have no knowledge of this information that is reporting on my credit report.
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Fay servicing took over from XXXX XXXX  on XX/XX/XXXX and their first mortgage statement and subsequent statements have been substantially in error from the beginning. In XXXX of XXXX we were granted a COVID Forbearance by XXXX XXXX due to unemployment. Despite this forbearance we brought the loan current in XX/XX/XXXX although unemployment continued. We were informed by XXXX that COVID forbearance was granted for 180 days with an opportunity to extended another 180 days if necessary. However, when an extension was requested and unemployment support documents on XX/XX/XXXX were submitted that request was ignored. On XX/XX/XXXX, XXXX requested a fresh " wet ink signature '' from XXXX XXXX. It was immediately submitted. On XX/XX/XXXX additional documentation including bank statements and unemployment award letter were submitted. We stated at that time that we had 2 payments in savings and new income lined up. On XX/XX/XXXX we received a welcome letter from Fay Servicing. We immediately made contact with Fay customer service and explained that we were in Forbearance and expected to begin regular payments on XX/XX/XXXX and needed to have a repayment plan for the Forbearance arrears amount. On XX/XX/XXXX we submitted a borrower assistance form and pointed out that the Fay monthly payments and arrears amount on their statements is in error. On XX/XX/XXXX We filed an appeal after receiving an offer of Deed in Lieu of Foreclosure rather than a repayment plan. 

The following is a copy of the appeal to Fay Servicing on XX/XX/XXXX which captures the essence of our complaint : 1. The monthly payment amount listed in our Fay account after transfer from XXXX is significantly in error. The stated payment amount in the Fay account is {$7600.00}, which ties to no aspect of our original mortgage note or any modification since, with a past due amount of {$91000.00} while the actual billing amount from XXXX has been {$4300.00} which would make the arrears amount {$51000.00}. I have previously sent copies of the XXXX statement to XXXX XXXX and asked that this mistake be corrected. We do have the asset base and income to service a payment of {$4300.00} plus an additional amount if the loan were modified or a repayment plan established. However, if underwriters used {$7600.00} as the monthly payment amount they yielded a decision about forbearance repayment based on erroneous information to begin with. Nobody at Faye has been able to state where their billing amount comes from.

2. No opportunity to cure the loan has been given since the COVID Forbearance period ended. Payments have been offered by us at the correct {$4300.00} amount. However Fay has refused payments because their system shows the incorrect amount due. A reasonable opportunity to cure the loan after COVID forbearance with accurate payment information is a legal requirement.
Consumer complaint received 2021-10-02
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. (MO)

Certified mail/return receipt has been sent as of XX/XX/2021 to TRANSUNION. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, TRANSUNION is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). TRANSUNION has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, TRANSUNION has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to TRANSUNION, this is not a third party and I have sent TRANSUNION all documents required by law.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MS SERVICES LLC (CA)

I am currently XXXX and unable to work or secure full time employment. I am attempting to resolve a few issues on my credit report so I can relocate though a low income housing program offered through the XXXX XXXX XXXX. I am being represented by a credit counseling agency and on XX/XX/2021 they attempted to contact MS SERVICES LLC on my behalf to pay this resolve this debt on my behalf. I was literally in the office with them when they made the call and they refused to cooperate with my representative. This type of behavior is unacceptable from a professional debt collection agency that they claim they are. I will be contacting there client, XXXX XXXX XXXX XXXX and ensure that they are fully aware what kind of 3rd party company they are associating themselves with. We were simply calling to confirm the nature of the debt and pay it using the housing authority funds allocated for me through the homeless initiative. Why does a debt collector not want to collect debt?
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TX)

THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

Enclosed there is a printout from Ashley I was to receive a {$50.00} credit on my first order with my Ashley card, however when Synchrony decided to close the account, I got billed the complete amount. 

I can not get a statement online or make a payment. I need a statement so I can pay the balance. If this is another Synchrony tac-tic to make me late, it is unacceptable. 

The coupon says in store, but the stores are closed due to Covid-19, at least at the time of my order. And it appears they issued the credit to avoid legal actions. 

But the three letters received by Ashley customer services show the original balance.
Consumer complaint received 2020-08-13
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. (MN)

I reached out to the creditor to dispute incorrect information and they claim they can't verify this account since the account is with a third party. This is a violation.
Consumer complaint received 2020-08-13
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: CL Holdings LLC (MI)

XXXX XXXX was removed from my credit report as I never had a loan with them. Theyre now reporting that loan again under a creditor called Jefferson Capital System.
Consumer complaint received 2022-02-28
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. (FL)

I have previously disputed with XXXX, experian  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SYNCHRONY FINANCIAL (MO)

I was the victim of fraudulent inducement of employment. I was told my credit cards would be paid off for company use. The name and address of the alleged company is XXXX XXXXXXXX XXXX XXXX  XXXX of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, NY XXXX. I received a signed employment contract which I returned to my 'employer '. I was given the routing information for two banks to pay my credit cards in order to purchase equipment for export. The two banks are : XXXX XXXX XXXX ( Acct. XXXX, Routing # XXXX ) and XXXXXXXX XXXX ( Acct. XXXX, Routing # XXXX ). All payments were reversed onto my 3 credit cards ; XXXX, XXXX XXXX, Synchrony Sam 's Club MC. The address the shipments of what is now stolen XXXX equipment is : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX,. XXXX XXXX XXXX, XXXX XXXX. In the course of doing what I thought was my job, which was to send XXXX products for export, I was never able to create shipping labels to the XXXX XXXX address. My 'manager ' XXXX XXXX ( XXXX ) sent me labels. These items were either sent to or had the return addresses of three individuals in the United States ; They are : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ) These three individuals are in on this scam. The FBI needs to visit these three individuals as I have proof they are part of this scam. I was able to attempt to send a package via XXXX  but it was returned to me. I will be returning the XXXX merchandise to the retailer I purchased them from. I need an agent from the FBI to contact me because I have an entire stack of evidence. In addition, some of the packages that may have made it out of the US to XXXX are sitting in customs and can be confiscated. I have all the shipping labels needed to accomplish this. I have contacted the XXXX XXXX XXXX XXXX in XXXX XXXX, attempted to contact the XXXX XXXX PD. I have opened a case with the Federal Trade Commission, the XXXX XXXX. The FTC report number is XXXX. Now Synchrony has cancelled every card I have PayPal, Sam 's Club XXXX. I personally cancelled the Synchrony MC because of the fraud.
Consumer complaint received 2020-08-11
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. (MS)

This company keeps intentionally reporting inaccurate information on my credit report. They keep changing the amounts and dates of the account. They have also manipulated the payment history. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES
Consumer complaint received 2020-08-13
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: CITIBANK, N.A. (CA)

I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH XXXX   AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE FRAUDULENT.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

The company did not answer any of my questions or resolve my issues. IQ DATA INTERNATIONAL is trying to collect a debt I DO NOT OWE THEM. IQ DATA INTERNATIONAL has failed to provide proof and Validation that I made an agreement or contract to pay IQ DATA INTERNATIONAL. IQ DATA INTERNATIONAL also failed to respond via mail after my direct Mail in contact, that they requested from me, before 60 days had past. IQ DATA INTERNATIONAL must remove their false collection from my report. They are in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). Please remove this from my report, this is false reporting. 

IQ DATA INTERNATIONAL will not provide proof that I signed an agreement to pay IQ DATA INTERNATIONAL. I do not owe IQ DATA INTERNATIONAL
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Dear NATIONAL RECOVERY AGENCY/ XXXX XXXX ; I was really shocked and surprised over the weekend when I refresh my credit and noticed an account from XXXX XXXX  that was originally removed from my credit with debt buyer XXXX XXXX XXXX XXXX Now it has a different account number and a " OPENED DATE '' of XX/XX/2021. I'm certain that this is a violaiton of both fcra and fdcpa and I never had any prior relationship with either of these companies listed. 

Again, I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Flagstar Bank, National Association (OH)

I have tried to open a bank account for over a year now and all the banks have told me that because of my XXXX file I'm not able to open an account. I have received my file via mail but I still don't understand what a XXXX is or why I can't do one of the many basic needs. The last bank I went to was XXXX XXXX XXXX and they helped me find the website to get my file but there is no working number to speak to someone about my file.