davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APPLE RECOVERY SERVICES CORP (PA)

On the XXXX of XX/XX/XXXX we received a letter from Apply Recovery service about a debt that they are claiming that we owe XXXX of a debt we never took out. My husband 's father and him self have over the years when he was alive have had each other 's credit history listed under their SS #. We never had a credit card from XXXXXX/XX/XXXX back in XXXX and never paid on it over the next five years that they are claiming. We have spoke to the company on the XXXX of XXXX and the XXXX of XXXX and they said well your name is on it then you have to pay it. Explained to them that this is possibly my father 's in law account and he passed away back in XXXX. What do we do next????
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I hope this time Consumer Reporting Agencies will be able to answer my unresolved disputes about these incorrect and misleading accounts to which I have requested for proper reinvestigation from my previous letters about a few months ago. They have failed to get back with me.
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

We chose to pay down our mortgage in XXXX over several months, principal amount was {$45000.00} in XX/XX/XXXX. On the XX/XX/XXXX statement, our principal was {$710.00}, so we paid that amount, even though our monthly payments were {$870.00}. Meanwhile, the payoff statement sent from XXXX was incorrect, so we requested a new one. The new closing statement sent had a XXXX  day window to send a wire to pay off, however, we were out of the country, so when we finally saw it, it was too late. We called XXXX for a new one, which we never received so we ordered XXXX online, received that and wired the amount to close out the loan. 
Back to our last payment of {$710.00}, for the total amount outstanding on the loan : XXXX sent that back in the form of a check, then charged us late fees for non-payment of our mortgage. XXXX then reported us to credit as having not paid our mortgage payment when all the while we were trying to work with XXXX  to correct the disputed payoff statement and pay that. 
BSI has told us on XXXX separate occasions that they will refund us the late fees totaling {$87.00} associated with not making a monthly payment. So far nothing. 
I submitted a request that they report to credit that our payment wasn't missed. I was told they will " consider '' it. 
In summary : 1. There was a failure by XXXX  to submit to us an accurate payoff statement 2. While our payoff statement was in dispute, XXXX charged us late fees, reported us to credit, saying that we didn't pay the Payoff Statement amount in XXXX  days. 
3. We now have a non-payment of mortgage on our credit, which XXXX " might consider '' reversing, and paid late fees which we didn't owe.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX Bank claims I had a card XXXX I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.
Consumer complaint received 2020-08-25
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. (MO)

On XX/XX/XXXX I submitted my dispute for XXXX/XXXX and bank statement showing that I paid the collection agency ( XXXX XXXX  ) for this creditor ; therefore this balance should be XXXX. However on XX/XX/XXXX Experian continued to report this debt on my credit as charged off. This shows that they did not do a proper investigation and continuing to not follow FCRA guidelines after me providing proof. Attached is proof of payment and dispute letter
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (AR)

On XX/XX/XXXX, Arvest bank headquartered in XXXX XXXX  allowed the illegal seizure of my property to a business and did not follow due process safe guards of my property. Arvest bank did not inform me with the legal documents that gave them authority to seizure my assets. There was no warrant in place from a court of proper jurisdiction that has been signed by a judge and sealed by the clerk of the courts. I asked repeatedly for the documentation and they can not provide the legal documentation. The XXXX of the department refused to communicate with me on this matter. 

THE WAGES OF EVERY EMPLOYEE IS THEIR PROPERTY PROTECTED BY THE 4TH AMENDMENT THIS IS AN UNDISPUTED FACT AND ANY LAW IN VIOLATION OF THIS FACT IS UNCONSTITUTIONAL AND WILL NEVER HOLD UP IN COURT FOR LOWER COURT DECISIONS MUST BE IN ACCORDANCE WITH THE SUPREME COURT OF THE UNITED STATES [ Coppage v. Kansas, 236 U.S. 1 ( 1915 ) ] IT IS PROHIBITED UNDER DUE PROCESS OF LAW AND EQUAL PROTECTION OF LAW UNDER THE 4TH AND 5TH AMENDMENTS FOR AN BANK TO ACCEPT INCOME OR WAGE GARNISHMENTS AS WARRANTS SENT BY A COMMERCIAL DEBT COLLECTOR CHILD SUPPORT ENFORCMENT AGENCY THAT IS NOT AUTHORIZED TO ISSUE WARRANTS.

A WARRANT MUST ORIGINATE FROM A COURT OF COMPETENT JURISDICTION WITHIN THE JUDICIARY BRANCH OF GOVERNMENT AND NOT FROM A STATE OR GOVERNMENT AGENCY WITHIN EXECUTIVE BRANCH OF GOVERNMENT WHICH IS A CLEAR VIOLATION OF THE SEPARATION OF POWERS DOCTRINE WHEREBY THE ALLEGED GARNISHMENT ORDERS ARE INCOMPLETE WRITTEN INSTRUMENTS OR FORGERIES AND CAN NOT UNDER ANY CIRCUMSTANCES DEPRIVE EMPLOYEE A MAN ; A LIVING AND BREATHING SOUL, A CREATION WITH ENDOWED RIGHTS FROM HIS CREATOR : AN AMERICAN XXXX XXXX XXXX INALIENABLE RIGHTS TO PROPERTY AS PROTECTED BY THE UNITED STATES CONSTITUTION BILL OF RIGHTS
Consumer complaint received 2020-08-25
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. (FL)

XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX Phone Number : XXXX XXXX Account Number : XXXX Data Submitted : XXXX Data Submitted : XXXX The months of XXXX and XXXX. I could not pay the minimum fee. 

Because I was unemployed and I quarantined. Because I Affected by Natural or Declared Disaster e.g. COVID-19. 

I called 2 twice to XXXX XXXX-XXXX explaining the reason. 

Data Submitted : XXXX Data Submitted : XXXX XXXX XXXX put in the credit bureaus Potentially Negative. 

Payment History Legend XXXX and XXXX - 30 Days Past Due I made two disputes in the credit bureaus, explaining the reason and XXXX XXXX-XXXX does not remove Potentially Negative. 
Data Submitted : XXXX Data Submitted : XXXX
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (NV)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management- IS not licensed to practice debt collection in the State of California . Midland Credit Management has listed their debt collection license as pending as of XXXX It appears that they have been convicted and accused for unfair debt collection practices by consumers. I received a summons from them although they are being investigated for FRAUD. Midland Credit Management also functions as Midland XXXX XXXX which is a direct violation of the FCDPA- False and misleading deceptive practices. The process server from Midland Credit Management sent to my home walked around my house and spoke to my neighbor regarding debt. Process server refused to identify herself and called repeated after leaving my home. This summons does not have a true bill attached. Payments and charges are not listed. I had insurance on this account also, which was ignored. I have found at least 20 FDCPA violations in their complaint. This company is disgusting and should never be allowed to exist on this planet.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Follow up of complaint XXXX, BOA sent me an email and asked me to call back to solve the issue. I called back XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX extension XXXX C : XXXX Nobody on the phone so I left message for my phone to ask the person to call back, but till now nobody called back. Most ridiculous is that I already told them that is the fraud account on XX/XX/22, however, BOA kept on sending me ad email about the fake account. 
I think the business just irresponsibly to fraud and identity theft even when the customer told them there was a fraud account being open. 

I attached those advertisements email for fraud account.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MARINER FINANCE, LLC (FL)

Pursuant to 15 usc 1692 C ( 2 ) I am invoking my specified remedy as a consumer and the original creditor I am demanding all accounts be removed from third party agencies because I have a right to privacy the agreement was between XXXX parties not any of the agencies that have my personal information on a website this is my right given by fair credit act PLEASE REMOVE FROM ALL AGENCIES IMMEDIATELY
Consumer complaint received 2023-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I XXXX  XXXX my cking account thought ihad XXXX XXXX  but was unaware of my over draft they did not contract me for many months they could of called i have a land line first notice was a forclosure notice i donot have wifi or internet or a computer
Consumer complaint received 2023-01-19
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2020-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

This complaint is towards my treatment with Wellsfargo. 
I opened a checking account and a safety deposit box at the following Wells Fargo location:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

Due to Covid-19 the bank has temporarily closed. I needed access to my safety deposit box. I was finally given an appointment for Saturday XX/XX/XXXX. I live in XXXX XXXX while my safety deposit box is in XXXX XXXX ( my former residence ). I booked an airline ticket, hotel accommodations, etc. However, when I appeared for my appointment, no one was at the Bank. 
The bank apologized and rescheduled me for XX/XX/XXXX. Again I booked an airline ticket to travel to XXXX XXXX + hotel etc. and I appear for my second appointment and again no one was at the bank. 
The bank manager informed me that she was busy and that someone called out sick and therefore she decided not to show-up. No sympathy was shown. They did not care for the fact that I spend so much money to travel twice just to get into my deposit box. 

I scheduled a third time for XX/XX/XXXX. Then again bought a ticket and booked traveling accommodations and I was finally able to access the box which I pay Well Fargo. 

On XX/XX/XXXX I receive a letter stating that Wells Fargo will be closing my accounts effective XX/XX/XXXX. 

This is in retaliation for their own incompetence. Now I have paid Wells Fargo and I have an agreement with them for my safety deposit box until XX/XX/XXXX. Yet, they do not care, nor do they give an explanation as to why they are closing my account.
Consumer complaint received 2020-10-20
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. (TX)

XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original  Creditor Name XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report.
Consumer complaint received 2020-08-25
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. (SC)

I have disputed 4 accounts with transunion. All 4 accounts are from receiveable recovery in the amount of {$600.00}. I have reached out the collection agency as well as XXXX. I am concerned about the validity and accuracy of your recent investigation. I requested an investigation because I felt the item is not being reported legally, I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! The information is inaccurate. Under the laws of FDCPA I have contacted the collections agency and the original debt collector. The dates of the service are wrong. I have attached the dates that was sent to me by the original debt collector. Transunion fail to properly investigate the accounts on my report. They are negative affecting me.