davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

According to 15 USC 161a2 these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation of my rights pursuant to 18 USC 8, I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4 I did not give written or verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents for evidence
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/, I reached out to Wells Fargo in regards to a remediation check I never received for an account that was closed/frozen, while they continued to assess fees. I received a Fraud Packet to complete, with a copy of the forged check. I promptly returned the fraud packet, using the prepaid XXXX  return envelope that was included in the packet. As of today, I still have yet to receive a definitive answer from XXXX XXXX XXXX', the third party Wells Fargo has contracted with to handle remediation check issues/customer service. I have reached out to Wells Fargo several times since learning of my check being fraudulently cashed, and voiced my concern why 1. ) it was allowed to be cashed when they have my signature on file on a signature card for previously held accounts, and 2. ) why it's taking so long to resolve the issue and send me a replacement check. Wells Fargo Representatives do nothing but defer me to XXXX. When speaking to XXXX, they are very VERY vague in their response to questions, and their repeated promise to have someone call me back about reviewing my Fraud Packet and whether or not a replacement check is going to be -- or has been -- sent, is NEVER kept. No one EVER calls me back!!
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

On the letter dated XX/XX/2021, American Express stated that " However, we are not able to locate the two calls you referenced in which you requested a Card replacement. '' The statement indicated that American Express did not mail out any card until XX/XX/2021, one month after opening the account. And American Express did not have the tracking number of any prior shipments. So American Express deprived me of one whole month from completing the bonus requirements.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached two accounts that are reporting to my credit profiles incorrectly. None of the information is correct on any of the three bureaus. Per the FCRA the information comes from the same source and it should all coincide and it doesnt and would like to have both of these accounts deleted from all three of my credit bureaus.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was working with XXXX law to repair my credit last year and I disputed validity of 2 debts to XXXX XXXX Bank which were listed on my report. After the waiting period, it was determined that I'd proven my claim and XXXX XXXX had to remove the items from my report. A year later I suddenly get a notification that my credit has dropped nearly 30 points because of a new collection. When I looked to see what it was it showed, Portfolio Recovery which confused me as I don't know anything about them. Upon opening it I discovered that it was XXXX XXXX. They were reporting it as a brand new debt and saying that I currently have open accounts with them. All lies. They've now added a second item from XXXX XXXX to myreport and are essentially destroying my credit score. I was under the impression that once you win the dispute its over. Not that the company can decide to sell it off to a debt buyer and then they can put it back on your report. I spoke with XXXX  today and they told me that this constitutes fraud.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (KY)

This complaint covers TWO civil suits that the company has in my district court. Both were discharged in bankruptcy court. The two cases remain in the court docket in XXXX XXXX Kentucky. 

The first case XXXX was addressed by the company in CFPB COMPLAINT XXXX. The company stated in reply on a letter dated XX/XX/XXXX : Our records indicate that a lawsuit, Case No. XXXX, was filed on or about XX/XX/XXXX in XXXX XXXX XXXX in XXXX XXXX, Kentucky. A dismissal of the lawsuit was filed in XX/XX/XXXX, but upon review, the dismissal did not show to be recorded. The dismissal was refiled with the court on XX/XX/XXXX by Resurgents third-party servicer, XXXX XXXX XXXX, and they are awaiting the entry. Please see the attached docket for review They then attached an UNOFFICIAL COURT CASE summary. It appears again for the second time nothing was recorded. 

THE COMPANY HAS TO SUBMIT A MOTION TO THE COURT TO DISMISS THE SUIT. 

IT MUST DO THE SAME FOR THE SECOND CASE THEY FILED : XXXX XXXX KY XXXX XXXX CASE NR : XXXX. 

If the companys attorney XXXX XXXX XXXX in Michigan is unfamiliar with Kentucky Civil procedures, I suggest they contact the court for proper procedures to dismiss BOTH cases. 

Bankruptcy was discharged in XXXX, YET BOTH CASES REMAIN ON THE COURT DOCKET IN XXXX. 

ENOUGH!!!
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I was sent a certified letter by mail but have not responded to sign for it but new it was for court so I looked up and I found they are taking me to court over debt owed but I have never heard of portfolio Recovery Associates and have never owed them nothing I have never got a letter or a call that I do so to me I dont owe them. Can I get help with this matter
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

this is not about repeated phone calls but since there is no field to select that fits my complaint i had to choose one of them randomly.

My complaint is about Bank of America not giving me a hardship program when my other credit cards did. How do 8 of my other credit cards give me a hardship program and see it fit but bank of america doesn't?

When i call bank of America, they tell me only credit counseling is available because i have outside debt. ( which bothers me cause i told them they were all already closed and enrolled into hardship programs but Bank of America doesn't acknowledge that and skips right over it. Mainly because i believe they don't want to help me.

PLEASE HELP ME!!! i am behind on the Bank of America debt and cant afford to pay the minimum payments.

AGAIN - if my other card companies saw it fit to help me then Bank of America should also. 


Thank you, XXXX XXXX
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NJ)

I Started a refinance for my property with Freedom Mortgage, I was told i will get interest rate of 3.5 % and will have to pay 0.5 point only. 
then we went with the process and kept sending all documents they needed promptly, I kept sending them follow up email, text messages and calls to get updated on progress. finally about 15 days ago they ordered the appraisal and i had to pay for it, as soon as the appraisal result came back they said we are ready to close but i have to pay 1.5 point to keep the rate of 3.5 % .... 
I complained to management who couldn't explain why i would pay 1 point more except that rates had changed and i have to pay more. 
Now i was locked for the rate and percentage agreed on but it was expired because they didn't keep working on my file .. they didn't even mention that change on the terms before i had to pay for appraisal fees. 
I had called them many time asking to either give me the promised rate and points or refund the appraisal fee as it was not my fault it was their fault, the completely ignored my request and send me a CD for closing on their higher points. 
It feels very unfair that i was sending documents so many times because they taking long time and they always need updated documents, lose the opportunity to REFI with other Banks while Rates were still low and paying {$670.00} for an appraisal that i didn't but only for their Refi. 
and the bank doesn't want to help
Consumer complaint received 2022-10-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation (GA)

on or around XX/XX/XXXX I submitted my bank statements to home point financial corp while applying for a refinance, in order to prove I had liquid assets, to refinance my mortgage, the loan officers XXXX XXXX and XXXX XXXX refused to count my bank statements. Despite the fact that they totaled over 90,000 dollars and they said they didn't count. They subjectively refused my income documents and denied my application causing me to lose time and paying a higher interest rate for 4 months. I later applied for the same fha refinance program with another lender and was approved., I qualified as a self employed applicant in XXXX XXXX. Later in XX/XX/XXXX I tried to request another review with home point financial, but still they continued to refuse to consider my bank statements and k-1 income. I also contacted XXXX XXXX senior managing director in XXXX and XXXX of XXXX asking for him to investigate. he did not provide a reason for refusing my application. he did not explain why homepoint would not count my bank statements as proof of cash, consistent with federal regulations. he simply stated people like you don't get qualified. I later reviewed and found out they did not conform to federal fannie mae or FHA lending guidelines, their practice was subjective and not objective and predatory. It was based on personal preference, and racial prejudice. I eventually got another lender who review my documents and approved my application under the same federal guidelines, with the same documents, but lost thousands of dollars in the process, despite having over a XXXX fico score and XXXX dollars in cash to close.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I will add dated information to the attached document section letter of dispute. I have filed with the FTC and Experian sent me a stall letter after disputing these accounts. I have called everyone I have did disputes does not seem anyone will assist
Consumer complaint received 2021-03-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (MI)

The last payment was in XXXX  of 2014 According to Michigan law, your creditor has up to 6 years ( from the date of your last payment ) to collect on a debt. I have let the borrower Westlake financial know that I was aware of this several times yet there still willful not compliance
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Once I saw accounts on my credit profile i immediately ask for verification, company didnt verify or tried to unlawfully verify account and Im a victim of identity theft 15 U.S. Code $ 1681c-2 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. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

To whom it may concern, I was advised to write to you concerning my credit rating. Unfortunately 2 years ago I was in a financial dilemma due to job loss and health issues. As a result 4 of my payments between XX/XX/XXXX thru XX/XX/XXXX were delayed. I managed to borrow the money to cover the late payments. I paid those payments ranging from 30 to 90 days on four occassions in a four month period but I made sure to fulfill my obligation to ensure Capital One suffered no loss. I'm thankful and appreciative for the years Capital One has provided for me and my family but know those 4 late payments are hurting my efforts for me and my family tremendously. I'm trying to start my business by being a entrepreneur. I have called several times asking for a Forgiveness Act, Goodwill Request, etc ... I also inquired about a UDF ( Universal Data Form ) to send to the credit bureaus to remove these entries. I even mailed them a copy of Sec.4021 credit protection during covid-19 even though the government made it official in XX/XX/XXXX there were reports before then. I quote from which it states report the credit obligation as current or if the credit obligation or account was delinquent before the accommodation. If the consumer brings the credit obligation or account current during that period described in item ( XXXX  ) report the credit obligation or account current.
Consumer complaint received 2022-06-19
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX. # XXXXviolated 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 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have challenged several inaccurate and false accounts on my Experian credit report. However, they have failed to properly, legally and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure they delete these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to Experian about these accounts to aid their deletion.
Consumer complaint received 2021-08-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc. (SC)

On XX/XX/XXXX, I was notified by a mortgage lender that I owed {$50.00} in a medical debt that had been turned over to collection First Financial Asset Management ( XXXX ). I had received neither any bills nor any phone calls from either the original creditor or the collection agency. They had sent to a prior address where I had not lived for four years and I had given them the correct address when being checked into the emergency room in XX/XX/XXXX. They also had my correct phone number on file. Over several days, I tried repeatedly to obtain the information regarding the debt from the original creditor, XXXX XXXX. After many conversations with XXXX XXXX, Ms. XXXX XXXX with XXXX XXXX ( XXXX ) indicated that she would authorize the collection agency to remove the debt from my credit if I paid the {$50.00} to the collection agency. On XX/XX/XXXX, I spoke to Ms. XXXX XXXX  with First Financial Asset Management and Mr. XXXX XXXX with First Financial Asset Management. They indicated that if I paid the debt, the collection would be removed from my credit report. I paid the {$50.00} immediately. I was asked to send an email to Ms. XXXX ( she gave me her email address ) and she would send me the XXXX control number to confirm the removal had been sent to the credit bureaus. I did not receive that information and followed up today to obtain the evidence the information had been removed from my credit report. I received a return call from Ms. XXXX XXXX  that she was wrong and the information could not be removed from my credit report. I asked to speak to her supervisor. She indicated her supervisor, Ms. XXXX XXXX, was on a conference call and I could leave a message. The practices of this company are deceptive and this information should be removed from my credit report. 

Following is evidence of the email sent last week : Acct # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 7 days ago ) to XXXX, me Good afternoon Ms. XXXX- Per our conversation earlier today, I have paid the {$50.00} owed to FFAM for a XXXX XXXX medical bill and that collection account will be deleted from my credit reports. 

Please forward the XXXX  control number ( evidencing deletion of the collection ) at your earliest opportunity. 

Thank you for your assistance in this matter. I really appreciate your professionalism and willingness to work with me to resolve.

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc. (WA)

XXXX PST XX/XX/21 Spoke to a lady who would not respect the aspect of PII. Gave enough information to verify myself to include my name, states of residence ( to match on file ) and the like. I asked for verification of debt and was informed she wouldnt do that without verifying personal information ( which I already did ). Asked to be transferred to a supervisor. 2nd lady did the same thing. Asked for a verification of debt denied asked to be transferred. Spoke to a 3rd individual, male, same issue, and then transferred to a woman named XXXX. XXXX stated she could not proceed with anything unless verifying information. She read off my address and I told her that I have resided in this residence for 2 years almost 3 years now. I again, asked for a verification of debt/business matter in writing and she said okay I am ending this call after. My FDCA rights have been violated for verification of debt in writing. Additionally, nothing is on my credit report with XXXX in any shape/form/way. XX/XX/21 - missed their call at XXXX ( no voice mail left ) XX/XX/21 - same situation occurred at XXXX when asked about myself and was hung up on XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST XX/XX/21 - no voicemail given on their call at XXXX PST If it was " such '' of an important business matter, then a voicemail would be left and these practices of " DENYING '' a written/printed letter of verification without " attempting '' to obtain PII such as social security numbers, DOB and the like ( which can all be used to fraudulently obtain someones identity and the like ). Ex-military, well versed in these laws/regulations and prior experience in this industry as well. Based on the laws, first phone call received XX/XX/21 have 30 days from this date to request. Being XX/XX/21 ( 7 days ), this is within that time frame. Being denied and refused to do so to verify this matter is a violation of said law thus should be removed/denied any adverse affects to me to include my credit report/history. Any future notifications from this is considered harassment and fraudulent and will be documented for a civil lawsuit valued at {$1000.00} + damages for every event that occurs.
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (PA)

I notified TD Bank in XXXX of XXXX that a fraudulent account had been opened in my name. They were provided all the appropriate information to validate that fact. 

In XXXX my XXXX  credit score declined based on derogatory information provided by them. I called them again on XX/XX/XXXX, and a member of the " fraud team '' told me that they mailed XXXX  on XX/XX/XXXX that the debt was not mine. 

Now TD Bank has referred it to a debt collection agency, XXXX XXXX.