davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (TX)

To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information. 

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, Experian or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

On XX/XX/XXXX. I drove up to an XXXX ATM machine on XXXX XXXX XXXX XXXX Ga and did two withdrawals in the amount of {$500.00} the first one at XXXX was successful. The second withdrawal of {$500.00} at XXXX the ATM dispensed the cash as I went to grab the money the machine sucked the money back inside. I sat at the ATM for a minute thinking the machine would spit the money back out, it did not. I went inside to the bank and was advised by the customer service reps they could not assist me because this was not my bank. I would have to file a dispute with my bank. I called my bank Chime right then to file a dispute and explain what happened Chime informed me the investigation will take 45 days. Then 10 days later I received a provisional credit all for them to email me on XX/XX/XXXX to reverse the provisional credit. I contacted XXXX branch they own the machine they contacted there ATM Resolution Team they see an issue the day and time in question. But stated that can not further assist me because I don't bank with them. Chime would have to recoup on there end an investigate and they really have not. I sent all documents they requested right away the same day. Chime haven't been helpful or unwilling to help me in this matter. Please Advise? My phone number is XXXX. My email address is XXXX.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (CA)

On XX/XX/2021 my closing attorney reached out to STATE Home Mortgage, for my final payoff quote for my mortgage. 
This being due to the fact that I recently was selling my home and the loan was going to be paid off in full. 
The payoff request was faxed to the fax number notated on State Home Mortgage 's website. 
Upon checking back with the attorney to see whether she had received the pay off quote, she told me no. She had not received any correspondence yet, as to the request. 
I proceeded to contact State Home Mortgage myself, to find out what the status was on my attorney receiving the payoff quote. 
They then proceeded to inform me that it needed to be emailed, that they did not receive anything. 
Upon receiving the payoff quote back within my HUD settlement agreement, it was quoted that I owe a total of {$24000.00} for my first loan and {$7500.00} for my second loan. This grand total equaling {$32000.00}. Please see attached documents I have also attached the payoff information that was forwarded to the attorney. 
Upon conducting my closing, the transaction was closed and everything was finalized. All monies were disbursed according to the HUD statement. 
A week later my attorney called me back informing me that my mortgage company contacted them and the payoff quote they provided was short by {$100000.00}. 
The correct amount upon receiving the new payoff quote was {$95000.00}. 
The amount in which this payoff quote was off is totally unacceptable. 
It was a week before this situation was brought to my attention, after I continuously called to check and see if the payoff payments were applied to my account. 
I could have spent the money, bought another house, I would then be sued for the remaining balance from the people who bought the home. 
The title would no longer be free and clear. 
This situation created a major hardship for me and was handled in a very negligent way. 
I have reached out to the Manager at the payoff department and asked that disciplinary measures be taken on this employee for this negligence. She should no longer be able to continue to serve in the capacity in which she serves. 
I asked the manager who's name is XXXX XXXX, what the person 's name is who requested the original payoff quote. She did not inform me of her name. 
There is only a signature on the payoff information that was sent to my attorney. I believe her name is XXXX XXXX. 
This matter needs to be tended to, to where this type of careless mistake does not happen again. 
When you are dealing with something as serious in nature as high dollar mortgage payoffs, the individuals in these positions should be thoroughly trained ; to know how to properly carry out this type of major transaction. 
Your attention to this matter is urgently needed.
Consumer complaint received 2019-12-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Southwest Stage Funding (CA)

The contract the bank biased the loan on is invalid contract. It has no start and stop date, no 3 day recession. No contractor name, no license number, no proper estimate, the language is wrong, things have been scratched out. Also I was offered money to sign the loan documents. Corhersion. 
Offered XXXX XXXX and XXXX. My loan is overcharged. Wire fraud. Fraudulent Fha loan.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (OR)

Our loan was sold from XXXX, XXXX XXXX XXXX, to Gregory Funding. Immediately Gregory Funding sent us a default notification when in fact we were never in default. We have been trying to get an accurate payout since XX/XX/2021. Gregory funding has failed to accurately respond to our multiple requests. Initially, they wouldn't accept payments per our previously agreed terms with our old lender, nonetheless I have been making payments to them since XX/XX/2021. 

We have noticed there are many complaints online. We have continued to attempt to get an accurate accounting of the loan balance and had our lawyer reach out to them in early XXXX, yet they have delayed responding in a timely fashion and have accrued late charges which should be nonexistent. From the inception of their purchase they have failed to provide a mortgage statement showing the payment due and an accounting for payments received. Nor have they provided one point of contact, they don't pick up their phone and you have to wait for over an hour to get through to anyone. We have no idea what they have done with the payments received. Despite promises, as of today, XX/XX/XXXX, they have still not provided the needed documentation.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (NY)

SANTANDER CONSUMER USA is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with SANTANDER CONSUMER USA. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with SANTANDER CONSUMER USA for review or collection.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon
Consumer complaint received 2021-07-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (AZ)

Problem # 1 The month of XX/XX/2021 I realized that I was " not receiving Comerica Bank Alerts, " I then contacted COMERICA Bank XXXX XXXX and was told that all my set bank alerts were all " deleted " because I changed Mobile Phone Carriers. The Phone Numbers stood the same only the carriers changed therefore nothing should have changed. 
Problem # 2 On XX/XX/2021 I went to a different COMERICA Bank XXXX XXXX and made a {$900.00} withdrawal from my SAVINGS account and did NOR receive a Text Alert of the withdrawal, on XX/XX/2021 at approximately XXXX using the COMERICA Bank App and my internet connection was " cut off '' I then used the internet ( and not the app ) and discovered that the {$900.00} was being set for deduction on my " CHECKING '' account which would have caused " insufficient funds, insufficient fee and a " late Rental Fee, return fee " these incidents were a calculated move to cause an abundance of " FEES " and was conducted by a COMERICA BANK iT Web-Development Manager/Supervisor with override authority.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TN)

From XXXX - 22 fraudulent transactions were drawn from my account. 

On XX/XX/XXXX I filed a claim to dispute these transactions with extensive documentation. 

I was told repeatedly that " someone will call you back '' when calling over the next 4 months to try and figure out what the status of the claim was. 

No one ever spoke with me. 

On XX/XX/XXXX I spoke with an associate at a local bank branch, who acknowledged that NOTHING ever occurred with my claim. 

I was provided a provisional credit for the disputed transactions with the reassurance that the case was now being " properly dealt with. '' That provisional credit was removed from my account this morning with no explanation as to the status of my claim or status of the case. 

The bank is now claiming that over 50 pages of documentation containing personal and financial information I sent several times, proving my case has been lost or never received. 

Today alone I have been on the phone with the bank for four hours being constantly transferred between departments who either " don't see that the claim exists '' or " can not find the case '' or flatly hanging up because they don't want to deal with resolving the issue.
Consumer complaint received 2019-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX is reporting a late for XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late
Consumer complaint received 2019-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My recent credit scores from TransUnion and XXXX revealed a 50 point difference. My TransUnion score is XXXX and my XXXX  score is XXXX. Theres no logical reason for this drastic disparity. I called TransUnion and received a scripted explanation. Both agencies have records of my joint credit accounts with an ex-spouse and my individual accounts. Not one of my individual accounts has ever been paid late, usually early and usually in full month to month. I can understand a difference of a few points, however not 50! I have been diligent over more than 12 years to remedy my personal accounts in spite of payment disparities caused by my ex-spouse on two joint accounts. I recently closed a XXXX credit account which I always paid on time. Is the score from TransUnion my reward for my financial diligence and care?
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-10-06
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-25
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: AR Resources, Inc. (FL)

I have disputed a debt collection on my credit report several times now. The company is AR Resources and it has shown up on all 3 of my credit reports intermittently. The credit reporting agency will have it removed and then it will show up again. It is for approximately {$300.00}. I have both spoken to this company, which can not verify that its a valid debt, they tell me who the original creditor is, and Ive called them and been to their offices recently and they do not have any record of me owing them money. In fact, if I owed money, they wouldnt have seen me that day. It appears this AR Resources keeps showing up on each of my credit bureau reports because they keep reporting different account numbers each time. When the reporting agency confirms its not valid, the debt collection company just changes the number so it can be reported again. This is unethical and illegal, I do not owe this company money and I demand this company purge whatever record they have of me and my information and stop reporting wrong info to my credit bureau reports.
Consumer complaint received 2019-12-25
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kinum, Inc., Indianapolis, IN Branch (CA)

Kinum, Inc. ignored my letter ( sent to them within 5 days of their initial communication ) asking them to substantiate their claim that I owed debt. They falsely accused me of owing debt, distorting facts and misrepresenting an agreement I had with a vendor. I sent the letter by certified mail, asking for substantiation of the debt and asking for proof that they had a right to collect it. I know they received it because their employee signed the certified mail receipt. Before responding to me, they contacted my relatives and terrified them. They also contacted me and claimed they never got the letter even though I have signature proof.
Consumer complaint received 2019-12-25
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. (CA)

I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I don't have texting services. I set up a Verbal Passcode with BOA for authentication. 
Every time they ignore that code and try to send me a text message. 
Now they're forcing me to go to the branch every single time to authenticate myself!!!! 
I can't use the card, nor pay it off, etc. Or even cancel the account.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I pulled my credit reports around the end of XXXX. I noticed Midland Credit management was reporting as a collection. 
On XXXX the XXXXXXXX XXXX I sent them a debt validation letter asking them to validate that I owed this debt. I received two documents back from them on XX/XX/2022. I have attach all supporting documents .. nothing in these two documents prove, I owe this debt or if it's even mine. 
I tried to dispute it with the credit bureau 's twice with supporting documents and they keep saying it accurate. It isn't accurate and it's hurting my credit by reporting inaccurate information.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OR)

I had over-paid through a debt consolidation loan a credit card ( Comenity Bank ). I called to close the account and request a refund of the credit on account ( XX/XX/XXXX ). I provided my personal checking account numbers so a direct deposit could be done. I expected to wait 5 - 7 business days for this to happen. When the money had not been placed in my account, I called again and was told that they do not do direct deposits and that a check would be issued for the amount over-paid. I waited again and nothing. I called once again and was told that there was a mistake at the company and that the check was written for more than was owed. I assumed that they would have just processed a new check and get it out to me. I again called and was assured that the money would be in my account on XX/XX/2021. On XX/XX/XXXX the money was not there. I called again and was told that the " supervisor '' would issue a 2nd Request ... I was literally in tears at the end of this phone call. I called on XX/XX/2021 and was told that a check was issued and I should see it in about 10 days. I thought that maybe just reactivating the card would allow me to use the funds. Not possible. Very disappointed in not being able to receive my refund.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX