davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

i had bank of america card for over than ten years on XX/XX/2019 i provided the credit card information to buy supplement online and the shipping was only the price for the first trial bottel of thirty tablets i recieved the first bottle and then my the card statement of a charge of XXXX dollar i contacted the bank and disputed the charges and then i tried to contact the merchant i failed to get both fixed so on XX/XX/2019 i called the bank and requested the change of my card they refused stating that the merchant will still charge my card so i asked them to close the account and they said this wouldn't help either so my card was charged {$400.00} dollar i drove to the bank and sat down with a baNKER associate for couple hours and she tried to help by callng customer service and disputing the charges yesterday which was XX/XX/2019 i recieved a letter from the bank refusing to reverse the charge i was able to close the card at the physical bank of America located on XXXX XXXX XXXX georgia
Consumer complaint received 2024-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TOWNE MORTGAGE COMPANY (MI)

I am currently behind on a loan on a house that I can not sell because it is worth far less than what I originally paid for it, and I truly believe that I was taking advantage of as a first time. Homeowner buy a predatory loan service and was failed by both the mortgage company and the realtors in their fiduciary duties I currently take care of a household of XXXX including XXXX small children and they count on me as a father to protect them, and I just dont know where to start with the current situation I have been Given I have sought legal action to no avail because the realtor companies are completely protected and spoken to the mortgage company and they do not seem to care I am doing this is my last attempt to get my story heard before I go to XXXX XXXX and make all of this public I would appreciate any help that I could get to try to figure out what to do moving forward thank you.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I have a CareCredit card with Synchrony Bank. They keep adding late fees, even when the card was mailed on time. Last month, they cashed my check the day after it was due, and still charged me. This month two days after. They state on their payment envelopes you must mail the payment 5 days earlier when you use the mail. But their computer told me today that you must mail it 7 days in advance. 

This is becoming a major problem with all bills. The electric company told my mother she must send in her bill more than 10 days early, because they are up to 10 days behind in processing. But they also charge {$10.00} for doing a payment over the phone. 

Why is it that the IRS only requires that the payment and/or the filing by mailed by the XXXX ( due date ) ; but these companies can arbitrarily make up due dates? They are tring to force us to let them into our bank accounts, or make auto payments on credit cards. When you have major companies getting hacked, and companies like XXXX double billing whole communities, this is unreasonable.
Consumer complaint received 2021-11-30
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. (GA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : US DEPARTMENT OF EDU Account Number : XXXX Date of Charge-Off : XX/XX/year> **The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My name is XXXX XXXX. My ex wife and I lost our home. We never received any information about the our loan modification back in 2009. Documents were provided as requested and checks were returned for mortgage payments by the bank. After we were informed that our house was in foreclosure, it was published in the local newspaper. We didnt receive anything by phone or mail. This is the physical address of our home at that time. Please contact me with any questions at XXXX or XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Thank in advance Mrs. XXXX XXXX
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

I filed two complaints with the PNC Bank ( First dispute XX/XX/XXXX, XXXX XXXX XXXX ) and the second dispute ( XX/XX/2021 ). I had 25transactions with XXXX between XX/XX/2021 and XX/XX/2021 ( Ten cancellations and Fifteen went through ) which matched my account with XXXX. On the other hand, within that time-frame, PNC Bank made 43 transactions in my Checking account ( Ten cancellations and Thirty-three debited to my account ). I filed a dispute, but XXXX of the Executive/ Client relations was adamant and reluctant to reach out to XXXX and sort out thing. Rather, she wanted me to identify the disputed transactions which was totally impossible based on the posted dates and reference numbers. The second dispute was on XXXX for {$54.00}, after a transactions was not processed by XXXX. Then I filed a complaint with the XXXX  and FTC. The FTC told me that they addressed issues with corporations, not individuals. Then I received a call from XXXX XXXX PNC Bank Executive/ Client Relations, yet faced the same obstacle. Went to their local branches here in XXXX XXXX, MI, the same stumbling blocks. Finally, I reached out to the Michigan DA 's office, which promised to forward my case to the Comptroller of the Currency office i XXXX, TX. Haven't heard anything from them yet.
Consumer complaint received 2019-12-05
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: Experian Information Solutions Inc. (IL)

The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I spoke with Discover card customer service about fraudulent unauthorized charges on my account from XXXX XXXX  dating back to the last couple years. 

We opened an investigation on XX/XX/2018 and received a letter on XX/XX/2018 saying the investigation was completed and charges were being refunded back to my account. 

On XX/XX/2018 I requested a credit balance check sent to me for the credit on the account. 

Nothing was sent. 

On XX/XX/2018 I called customer service and once again requested the credit on my account be sent via check. The customer service dept promised it would be sent within 14 days. 

Today is XXXX XXXX and still have no received a check and the balance is still sitting there in my account. I just called customer service and they dont have a time frame until sercurity checks are over ... 

It has been 29 days since the investigation was completed in my favor and over 25 days since I requested a credit balance refund check that has not been completed.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

This is basically an extension of my previous complaint with the CFPB about this company. After closing my last complaint SPS did send correspondence to me asking for identifying information ( ID, Birth certificate, proof of residency ) which i feel is reasonable so i went ahead and submitted those documents via their website on XX/XX/19. Today in my mail box i receive a letter stating that i must have a signed quit claim or grant deed giving me the property as per california law. This is NOT what the law says is required to be declared " successor in interest ''. Im tired of typing this. This company is shady or run by morons. I do not have to have a signed grant deed giving me the property. GIve me a break, ive sent them my ID, my birth certificate showing XXXX and XXXX XXXX are my parents, a copy of the will 3 times clearly stating that i am the intended heir of the property, proof of my address showing that I live here, ive lived here for most my life, and there is absolutely nobody else trying to claim that they are the successor in interest besides me. There is nothing to dispute here. SPS needs to stop playing games and declare me the successor so that i can apply for mortgage relief. I feel they are deliberately slow playing and delaying the process so that they can foreclose on my family 's home. Which is likely their get down in business ... make predatory loans to elderly XXXX people when the housing market was so inflated that it actually gave a XXXX loan on this XXXX that aint worth XXXX knowing they will collect revenue for a good 15 years or so, then the people die and they move in and foreclose, sell it again and again and again. I can not be the first person theyve done this XXXX to. thank you
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I received the attached communication from Resurgents Capital aka LVNV Funding dates XX/XX/2020 I then sent them a letter also attached asking for proof that this is my debt. You will see in the attached summary that they responded with there is nothing that proves this account was mine. I have contacted the original creditor on several occasions and they have no debt listed in my name.
Consumer complaint received 2019-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

On or about XX/XX/2019 my mortgage company, XXXX XXXX sold my Mortgage to Freedom Mortgage. We received a notice on XX/XX/XXXX to make our XX/XX/XXXX payment to our new mortgage co - Freedom. Due to the late notice our XX/XX/XXXX payment had already been sent to the prior mortgage company. 
On XX/XX/XXXX we received a letter from Freedom Mortgage that we were delinquent and now owed for XX/XX/XXXX and upcoming XX/XX/XXXX payment. At that time we made 2 additional payments electronically through our bank to Freedom. One for {$1600.00} and another for {$1600.00}. 
I have called Freedom Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to follow up and I keep getting the run around with them saying they don't have my payments. On the last 3 dates that I called I have uploaded proof of electronic payment which includes a confirmation number that they received it. This makes a total of 3 payments that I have provided proof of receipt and they will not acknowledge any and to make matters worse, in a couple of weeks this is going to report on my credit.
Consumer complaint received 2020-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I answered an ad for someone selling doberman puppies on XXXX on XX/XX/2020. I texted back and forth with the seller about the details about the puppies. The breeder said that the puppies will be only available in 8 weeks but he is taking deposits. He said that they will be available on XX/XX/2020. I asked him to call me which he did and we discussed the process of how the ears  will be cropped. He said that the puppies are {$1600.00} but if you pay in full early that the price drops to {$1300.00}. I asked him if I could pay him {$500.00} today and {$800.00} on the following Tuesday, he said yes but they only take payments through XXXX. I though that was not an issue since XXXX is promoted by my bank Wells Fargo and they have fraud protection. I asked the breeder for references and he said that he will send them to me shortly. I sent the breeder {$500.00} and still had not seen the references the seller told me they would send. The strange thing is the breeder had a XXXX VA area code and the ad was posted in XXXX Florida. A couple hours passed and I still did not get the references. Out of curiosity, I checked the XXXX ads in XXXX VA for doberman puppies and saw the same exact ad in XXXX VA with the same phone number. I texted the seller and still did not hear back from them. I realized that I was scammed and tried to file a dispute with my bank right away. I then found out that XXXX payments cant be disputed because I sent the money. How is this possible? Please help me get my {$500.00} back. How is there no fraud protection.
Consumer complaint received 2021-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (CA)

My name is XXXX XXXX and I recently performed a review of my credit report. Following my review, I learned that your company/agency shows some unauthorized accounts that I find to be harmful to my credit and reputation. Hence, I am requesting investigation, removal, suppression, block and dispute of the below mentioned account accounts. I also request that WESTLAKE FINANCIAL SERVI, XXXX, XXXX  and XXXX  absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

The following item is the results of me being a victim of identity theft. This information does not relate to transactions that I have made or accounts that I have opened. Thus, it should be blocked and removed from appearing on my credit report pursuant to Section 605B of the Fair Credit Reporting Act. Please be advised that I have completed an identity theft report.

The fraudulent and/or erroneous account in collections is listed below : 1 ) WESTLAKE FINANCIAL SVC, Date opened : XX/XX/2019 Amount : {$11000.00} TO REPEAT, I did not open any of this. I have NEVER done any business with any of the above mentioned company, nor did I authorize any of these accounts. Also, I was not aware that the account existed until recently. 

Credit reporting is VOLUNTARY not mandatory. I never agreed forWESTLAKE FINANCIAL SERVI, XXXX, XXXX  nor XXXX  or any other agency to report anything or furnish any info. 

Pursuant to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2021-06-01
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. (PA)

There is currently a charged off XXXX XXXX XXXX item on my credit report. This item is NOT mine. I have tried disputing it with both the company and all 3 bureaus. I even, while telling XXXX XXXX that I did not agree it's mine, paid it off, just to get the invalid item removed. I was told that if I paid it off, even though I don't owe it, that they would remove it entirely. As it turns out, they lied and are now going back on their word. When I've asked XXXX XXXX to validate in any way shape or form all they do is respond and tell me they have correspondence from my email and phone number but they have yet to provide me proof of such correspondence. 
I then disputed this with the bureaus. It came back verified as mine, which is impossible, because it isn't. When asked how it was verified and to provide me proof of the method of verification, I have received nothing. So neither first premier, nor the credit bureaus have supplied me with any verification that this is mine. Yet I have provided my FTC Identity Theft report, correspondence with local police, correspondence with a consumer rights attorney showing that other items have been removed due to identity theft, and yet XXXX XXXX persists. 
I paid a debt I didn't owe, on a promise it would be removed. I would like it removed since neither XXXX XXXX nor the credit bureaus can provide me concrete validation and verification that this debt is mine. I've asked for a signature, an IP address linked to me, anything, but nothing is given. 
I am currently commuting 6 hours daily to take my daughter to and from a XXXX center for treatment. The ONLY reason I can not secure closer housing is this erroneous XXXX XXXX charge-off. I ask that the bureaus remove it immediately since it has been over 60 days with no verification received.
Consumer complaint received 2021-06-01
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: BARCLAYS BANK DELAWARE (FL)

The following account is fraud account that was opened without my knowledge or consent : Barclays account # XXXX I attach an FTC identity fraud affidavit, please investigate and delete this fraud account.