davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a car loan with 5/3 bank. On XX/XX/XXXX the car in the loan was totaled by another driver. XXXX XXXX was responsible and paid off the vehicle in early XXXX. On XX/XX/XXXX 5/3 contacted me regarding a remaining balance. I paid for the remaining balance to close the account on XX/XX/XXXX. On XX/XX/XXXX I received a late notice for my car payment for the account that was closed. I called to address the issue. 5/3 advised they would call back. They never did. 5/3 filed with the credit  reporting agencies that I am deliquent on this account. The car is paid off and they now say I owe another {$700.00}. They also reduced my credit score by 100 pts.
Consumer complaint received 2022-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

i previously disputed Kohls/capital one on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by XXXX XXXX XXXX I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.
Consumer complaint received 2024-12-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY (SC)

ON XX/XX/year> THE IRS SENT A CRIMINAL REPORT TO THE VICTIM of IDENTITY THEFT / CHARACTER ASSINATION By WELLS FARGO XXXX XXXX XXXX  in CRIMINAL IRS XXXX XXXX with AN UNAUTHORIZED {$XXXX} REFUND XXXX AND XXXX FRAUD MY NAME ANE EXCELLENT CREDIT RATING IS HACKED by THIS HORRIFIC CHARACTER ASSIGNATION INVESTIGATE WITH IMPUNITY by WRITTEN CRIMINAL DISCLOSURE AS REQUIRED by FEDERAL LAW WITHIN XXXX BUSINESS DAYS
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (NC)

I purchased a vehicle with a loan from Santander. In XX/XX/2017, my car was totaled. My insurance paid the amount that my car was valued. I submitted everything needed for my GAP insurance to cover the rest. My GAP insurance sent the payment to the dealership I bought my new car from instead of Santander. Once I found that out, I had the dealership cut a check to Santander for the remainder. Santander took 4 months to close out my account after they got the remainder of the load payment. Santander now has 5 charge offs on my credit report for payments that were late even though it was out of my control because of the wreck and GAP insurance company. I have tried contacting Santander but because I no longer have an account with them I can not get in contact with anyone. I filed disputes on all credit bureaus but nothing has changed.
Consumer complaint received 2023-05-08
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: Southwest Credit Systems, L.P. (PA)

CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong SOUTHWEST CREDIT SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You SOUTHWEST CREDIT SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I mistakingly deposited 3 business checks into my personal account on XX/XX/20 at XXXX XXXX. I contacted Bank of America and was told by the phone rep that it would be reversed in 24 hours. I called again on XX/XX/20 at XXXX and XXXX XXXX.when the deposits were not reversed and spoke with a manager who apologized and said the phone rep had made an error and that it would take 7 days for the reversal. I  called again on XXXX at XXXX XXXX. because the reversal still had not occurred and spoke a number of incompetent people -finally I spoke with XXXX who created 3 case numbers XXXX, XXXX, and XXXX. He said the reversal would occur in 72 hours. I called again on XXXX at XXXX XXXX. because the reversal still has not occurred and spoke with XXXX who after a whole run around -because every-time I call, there is never any record of my previous calls, said that the cases had been closed/resolved. He later admitted that they denied the transfer. So Bank of America is cashing checks that are not written to depositors and they lying to depositors about reversals, and they are not keeping any records on depositor requests or complaints and for good measure they lie to depositors about who is and isn't a manager. Please post my complaint so that the public can know how they will be treated at this bank.
Consumer complaint received 2022-11-19
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (IN)

I have an escrow account that I put money aside for tax and insurance payments for XXXX XXXX  with this lender. The lender should have been paid the property tax in XX/XX/XXXX but it appear they did not. When I realized they did not pay my tax to XXXX XXXX XXXX XXXX I contacted the lender. After several meaningless communications with the customer service department, they realized that they had a wrong parcel number on the file. It ended with they have paid to the wrong parcel number with wrong amount. 

I have been asking them to correct the issue immediately since XXXX but their response is " your request has been made '' and 'investigation will take some time ''. What they have told me was that they need to investigate if the county office has changed the parcel number or someone in the lender side entered a wrong parcel number on my file. They said that once they resolved the issue they would pay the tax and penalty fee. 
I have been asking the status of the investigation but they never have given me any details about it. 
When I had a luck to talk to a person on the phone, he said the target date to complete investigation was XX/XX/XXXX. But the problem did not get resolved so I contacted again. This time different person answered me by email saying " there is no target date to complete ''. I felt they are not serious about my issue and did not feel they were willing to resolve this. 

On XX/XX/XXXX, I received another tax document from the county treasurer office saying that I have not payed the property tax and now the penalty has added to the original amount.
Consumer complaint received 2021-03-26
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: SUNRISE CREDIT SERVICES, INC (TX)

In XXXX of XXXX, I entered into an agreement with XXXX XXXX XXXX for cell phone service. Subsequently, I was billed twice for that period, once under the old agreement and once under the new one. The company also never honored the new contract and kept charging me per the old contract which was a lot more money per month (XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX ). Additionally, we traded in two older XXXX and purchased two more that were offered as part of the new contract at a {$500.00} savings per phone. Those discounts were never applied as well. I spent many hours on the phone on multiple occasions trying to get this issue resolved, but after four months of not making progress and getting over charged, I was forced to switch cell phone providers. XXXX XXXX XXXX created this entire issue, they acted outside of the contract that they entered into with me, and chose to not fix the issue, though offered multiple chances. I do not owe them this money, and in fact they overcharged me and owe me compensation, for the hours that I spent on the phone with them. Although I have provided XXXX  documented proof that this is not a debt that I owe, they are refusing to erase the negative credit report from Sunrise Credit Service, Account # XXXX, opened on XX/XX/XXXX.
Consumer complaint received 2020-09-21
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: Experian Information Solutions Inc. (IA)

The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (CO)

On XX/XX/2022, my money was taken from my account without my knowledge through online banking. The company does not work hard to make sure others can not access your account. I went to the bank because once the person hacked into my account they reset my password and took my money and I didnt find out I no Im I went to the bank. They then told me the fraud department would investigate and help me get my money back because they can see I was phished by someone and they did not offer me anything to stay afloat until the investigation is complete even though the perpetrator stole XXXX from my account leaving me to figure out how to pay bills. Navy Federal only closed the account and gave me another one which I still didnt have access to for a day. I had to call and see how I can gain access to my new account.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (FL)

After reviewing my credit report per XXXX, XXXX  and XXXX. A degoratory mark was placed on my credit reports..After looking at what might this concerns, it appears that this account was transferred/sold and I am no longer responsible for this account. Also the debitor/creditor did not notify me of this collection account, nor was there an attempt to verify the collection. I have no form of communication of this account or a record of my signature of this account.
Consumer complaint received 2020-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The long and the short is XXXX XXXX reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in XX/XX/2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from XXXX XXXX. XXXX XXXX says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and XXXX XXXX still reported as a bad debt, as of two days ago.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Company with my credit card has been double billing charges and even triple billing charges to my account on many occasions dating years back also adding late fees and interest fees over the years when I was never late as the credit bureau will show my history of exceptional payment history. American Express change and combine my pay over time charges as one bill on several occasions trying to adjust their mistakes which is still incorrect because I dont owe anything on pay overtime and because American Express was double charging me for charges I had no knowledge of for years with interest, was adding up over the years because at the time customers couldnt see their pay overtime charges or balances which I always inquired over the years and they always say its in your billing statements which wasnt true they made it very confusing for customers to know what was the pay overtime balances. But on  XX/XX/XXXX my pay overtime balances was paid in full and entire account balance was paid off and even then I felt like that balance was incorrect because that pay off balance included over {$5000.00} charges, fees and interest in the pay overtime balances which also included double charges and even triple charges and numerous of late fee charges I went as far back as XXXX with the late fees until I got exhausted looking on my statements, I been a member since XXXX how many more late fees or double and triple charges was added to my billing statements or pay overtime balances. Because these are just a few that I went back to. Also on some of my billing statements I was making payments on more than I charge on my bill for instance XXXX XXXX XXXX my total charges was {$500.00} but American Express had amount due in charges {$820.00} that was incorrect and other billing statements was the same problem .Attached is just a few copies of my billing statements which overcharged fees and interest and overcharged late fees and double and triple billing for the same items I knew nothing about. American Express is harassing me about making a payment for this month through text messages, emails and phone calls say unknown but when I call the number it was American Express. I got a letter on XX/XX/XXXX while we investigate this for you, you wont be responsible for the {$22000.00} under review. If necessary, we will adjust any interest charges or American Express fees associated with the disputed amount. I have been through this before in the past and they say the same statements in the letters and the entire balance that Im disputing is applied right back to my billing statements and during the time balance is being disputed they still in between while balance being investigated continue to harass me about making a payment. Attached is the multiple harassing text messages and emails. Please report this complaint to XXXX XXXX XXXX VP this is the complaint department and phone number XXXX XXXX
Consumer complaint received 2020-12-17
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. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2022-03-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (TX)

On XX/XX/2022, I submitted and was pre-approved for a loan with Movement Mortgage , LLC XXXX ID # XXXX I have not received a federal form Loan Estimate. 

On XX/XX/2022, the following email series was recorded : Applicant : Is my application submitted? I haven't seen an official Loan Estimate on the federal form yet and more than 3 days have passed since I submitted documents. 

Am I missing something? 

https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ # : ~ : text=A % 20Loan % 20Estimate % 20is % 20a, that % 20took % 20effect % 20on % 20Oct.

Loan Officer :
No sir - I dont submit your application until youve confirmed youre going with us. Its extra work for my disclosure team and processing team. 

Applicant : You received my application but neither denied the application nor provided me a loan estimate? 

I won't confirm I'm going with ANY lender without the loan estimate. I thought that's what the loan estimate was for. 

Loan Officer : Thats what I have provided. Let me know if you have any questions. If youd like move forward with Movement let me know and I will send over a lock in agreement and formal disclosures. 

Applicant : I will not move forward without the federal form loan estimate. 

End of email series What was actually provided was an lender internal document titled " APPROXIMATE LOAN COST ILLUSTRATION '' that did not comply with the form described at https : //www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/ See attachments ( personal information redacted )
Consumer complaint received 2020-09-21
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. (VA)

I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I do not have access to the documents related to these accounts, but the creditors would.