davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (AZ)

My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through XXXX financial services. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through XXXX financial services on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted XXXX financial services on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from Experian at the end of XXXX indicating that the claims on my credit report would stay because XXXX financial services told Experian that they determined it was not fraud. I then received a call from XXXX stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at XXXX XXXX services by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed XXXX XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year. 
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. XXXX financial services clearly do not care about my circumstances as they obviously did very little ( if anything XXXX to investigate and resolve this situation of identity fraud.
Consumer complaint received 2021-05-25
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: CITIBANK, N.A. (CA)

To who this may concern : My name is XXXX XXXX. I would like to.fe a charge against citi bank. 

I received my credit card and there was a block on it to verify information. I contacted them and was asked to give my brother social security number and my sister which I found suspicious. I did give them so I can have my card back and still they did not release the block. In addition, the representative XXXX and than XXXX continued to ask for other out sources information like my sister in law phone.number. non of these people ate on my account. I believe citi bank violated consumer privacy and unethically stoled my family information. Am so stressed. 
Please help XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

HI. CONVERGENT OUTSOURCING XXXX ; I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists ... ... Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Equity Settlement Services, Inc. (NY)

Individual from XXXX XXXX XXXX  ( individual A ) from Equity Settlement Services, Law office of Puleo Delisle , PLLC. was working on my closing documents. There were some documents that needed another partys ( party B ) signature. I told A specifically to separate the documents and to send only those documents that needed Bs signature to B. I confirmed this with A 3 times to make sure he would do that. A said that he would separate and send only the documents that needed Bs signature to avoid any confusion. When I saw the email A sent, it had all the documents in there which had all of my personal and highly sensitive information like my personal bank account which should not have been sent to B without my consent. This is unacceptable. When I questioned A on why he did so he said he can not be in the middle of it. On top of that, A ignored all my phone calls and responded to me through the customer service representative that he wont pick up and cant speak to me about my file anymore. I can not believe how unprofessional and cowardly A is. He should be removed from his position due to his reckless, unacceptable service and the company should be held accountable for their mistakes.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank offered me a Covid deferral on my account and stated that all payments and interest would be deferred without any negative credit reporting or fees. I was in deferral for two three month periods, XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. In late XX/XX/XXXX, I discovered that Wells Fargo reported four of those six months as 30 days late. After two attempts to have them correct my report, still no corrections have been made even though it is clearly documented in their system that we were in deferral. All fees and interest were credited back to the account but they still have not corrected the credit report!!
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I contacted PHH Mortgage on XXXX informing them about acc number change for my automatic payment withdrawal.. Gave all information of new account number including account number and routing number .. Fully knowing it would take a while to input new information into their system I NEVER ever told the employee not to withdraw XXXX  s payment from old account .. Someone at that bank made that decision for me .. When I noticed payment was not withdrawn I contacted them wanting to know who made that decision for me .. They are looking into that but I did not still receive an answer two months later.. That decision sent my account into downhill spiral.. They are instead of providing me an answer sending me a bill for XXXX XXXX late charges and threatening to report me to credit rating company.. I have since send in 3 payments one of which they deposited on XX/XX/21 ... I wrote to them ... called them numerous times .. as they are still working on it .. Only response from them is late charge and threatening.. I do hope you can help me ..and thank you in advance.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

My bank, Chase, encourages the use of the bank 's mobile app. The app provides access to XXXX for secure payments. I used this feature in Chase 's secure mobile banking app to transfer funds to a fraudulent website via XXXX becuase I was displayed a big green check mark when sending the funds. I never received the goods as agreed and my bank refuses to accept responsibility for verifying the legitimacy of the recipient. 
I paid {$800.00} to XXXX via XXXX. 
XXXX, XXXX XXXX
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Strategic Alliances, Inc. (NJ)

On Friday, XX/XX/2021 I was contacted by First Financial Asset Managment. I was told that I owed money due to an accident that I had. I was lead to believe that if something wasn't done that there would be legal action taken against me. I was told to take the weekend and figure out my finance and callback in. 

On Monday, XX/XX/2021 I called back to First Financial Asset Management and I was told they refused to acknowledge that they were in fact a debt collection agency. They continued to say that they work for XXXX and they were simply just trying to confirm the balance and make arrangements on my account. I then said to them that if they are attempting to collect a debt then they are in fact acting as a debt collector. I was told that they did not have to follow the FDCPA, which was why they continued to make false and misleading statements. Instead of stopping the activity they lied about who I was speaking to and refused to transfer me to a supervisor. 

Finally, when I was transferred to a Supervisor he hung-up on me because he refused to take a {$5.00} payment over the phone. He stated that the minimum amount he can take over the phone was {$50.00}. This is after the employee said the minimum was {$100.00}. The company wanted me to set-up {$75.00} payments for two months and then they discuss other options later down the line. I told them I wasnt interested in doing that because my financial situation would not allow me to pay that much. 

This company is full of collection bullies. They spend there time trying to make themselves sound like lawyers and trying to set the belief that the matter is going to escalate when that wasn't what they were hired for. They use deceptive wording such as " claim number '' when in fact the account number is a file number in their office. 

Please request access to all calls. Even when they were told of my intent to file a complaint they didnt back off. Instead they got angry and hung-up on me. 

Please stop this company from abusing consumers!!
Consumer complaint received 2022-11-19
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. (NY)

I sent a letter to transunion asking for Validation of debt, I sent letters twice once on XXXX. I got no response, I sent another one XX/XX/2022, They still have not verified the debt as to belong to me. This is affecting my credit report and score and I demand a removal.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (UT)

In XX/XX/XXXX, my wife was laid-off from her job in hospitality, as a result of COVID-19. She was told by her employer that the furlough was indefinite and that, if she was reinstated, her pay would be reduced by 40 %. She was unemployed for 3 months before finding another job. As a result, we requested a mortgage forbearance under the CARES ACT.

Our mortgage lender, Fifth Third Bank, assessed our hardship and offered a 6-month deferment, which was agreed to over the phone. After the 6 months ended, the lender again offered another 6-month extension for our deferment, which again was agreed upon over the phone and officially recorded. 

In XX/XX/XXXX, we contacted Fifth Third Bank and agreed verbally to a work-out plan placing the balance at the end of our final pay-out to our loan. As with the first work-out agreement, this was recorded over the phone and purported to be official. 

In XX/XX/XXXX, we resumed making our scheduled payments to the lender. 

In XX/XX/XXXX, the Fifth Third Bank claimed that our forbearance was " On Hold, '' they were reneging our agreed upon work-out plan, and they were asking for complete payment of deferred payments from the last 7 months.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (DE)

I had someone call me using Current banks customer support line claiming to be the fraud department. 

This person had my phone number & last 4 of my card already. 

They used this information to acesss my account and transfer EVERYTHING to themselves. 

{$3600.00}! This had to be a inside job & the bank is making no effort to contact me back about this issue!
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I mailed out a certified letter to Kohls/Cap One on XX/XX/XXXX for them to remove a late payment that is reporting on my credit and asked them to provide proof which they did not. All they did is respond with a letter that verifies the balance and when account was opened but no proof of the late payment that they must provide or have it removed from my report. Please assist in getting proof that the late payment is valid or it should be removed from my report.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a CapitalOne card account opened since XXXX ending in XXXX. Around XXXX of XXXX, the account disappears from all three credit bureaus. I contacted CapitalOne when it first occurred and I was reassured that the there was no problem and that they had reported the account on XX/XX/XXXX, like they always do. I continued to check my report for the next couple of months and the account would not report to any of the three bureaus. I called several times and was reassured that they reported it and that it " must be a mistake by the credit bureaus. '' All three? I contacted the three credit bureaus and they said that they saw no so such account and that it was CapitalOne that was wrong. I contacted Capital One and they gave me an address to their obscure " credit reporting department, '' XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX and asked me to write a letter and send copies of the reports to substantiate my claim. There is no number or email in this age of technology for this so-called " credit department, '' just very slow snail mail. I sent the letter with the required information and got a response six weeks later with a statement saying that " they are reporting and they do not see the problem in their system. '' I gave up in frustration. Fast forward to the present and I have been back and forth again with both CapitalOne and the bureaus about this issue which is now negatively impacting my score by not showing a positive account with a good history and was told again to contact the same secretive obscure " credit department '' to try and solve the issue. Frankly, I don't believe that they will handle my request in good faith and that is why I am submitting this complaint.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MD)

FDCPA states that a debt is owed when the consumer validates the debt and the steps of validation can be found in 15 USC 1692g with which Commonwealth Financial has violated making the claims fraudulent. They are also violating 15 USC 1692a which states a debt collector can not invaded a consumer 's privacy and HIPPA law and recent updates to the FCRA also emphasis this privacy notion. I had called the company about this account and I was on hold for over an hour to just have the automation hang up the phone. I, the consumer, demand for the account to be closed and removed from my credit report so it is no longer reporting negatively on my credit report and to receive compensation for the violated rights and the amount for the penalties is explained under 15 USC 1692k.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (OK)

On XX/XX/XXXX my husband and I went into a mobile home park to apply for a mobile home that we viewed and liked. We put in an application. We were told it would take 24 to 48 hours before we either got approved or denied. Triad Financial pulled our credit on XX/XX/XXXX1. I called Triad on XX/XX/XXXX to find out the status since we had not heard anything. The rude lady who answered the phone said that nothing had been worked. There were not any notes on the account and that it could be up to 92 hours from the time they started working on it. I advised her that our credit was pulled a few days before. She said there was nothing she could do. As of the date of this complaint, we have not heard a word. We have not gotten anything in writing by mail or by email. Nothing!
Consumer complaint received 2021-05-04
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. (PA)

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$170.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-06-23
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (CA)

Ive submitted 2 disputes with XXXX  regarding Midland Credit Management reporting inaccurate information on my credit report. I called XXXX  on XX/XX/XXXX at XXXX and spoke to a representative. I explained the inaccuracy in reporting. The above-mentioned collection company bought my debt from XXXX on XX/XX/2020 but keeps reporting the payments are 1 month late. The report needs to state 13 months late. After 20 minutes on hold, XXXX  hung up on me. 

I didnt make any payment arrangements with Midland or request any COVID-19 payment relief. Ive been in communication with my debt collectors and have negotiated several settlements during the pandemic. Ive reached out to the collection agency to settle but they havent returned my calls. I want my credit report to reflect the true and correct late history.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

We ( My wife and I ) are elderly immigrated who have moved to the USA from XXXX to stay with our children in the USA. We have children in XXXX XXXX  and XXXX 

We both have green-card, social security and an state ID from Ohio. We even have our XXXX Tax return. 

We went to Wells Fargo at XXXX XXXX XXXX, XXXX XXXX, FL XXXX where my children also have some accounts. We spent significant amount of time with the one of bankers ( Mr. XXXX XXXX XXXX and presented our Social Security cards, State ID, Green-card and etc. 

The banker made numerous calls to see if he can open account for us, we over heard the calls that he was asked by other party on the line " Why can't you open their account '' and he replied " Because they are XXXX ''! 

He made about 3-4 phone calls until someone finally told him, " NO ''! 

It sounded that he deliberately tried hard to find an excuse not to open an account for us and in COVID-Era he kept us in the branch for over 2 hours! 

We do believe that the cause of denial was discriminatory and even after we called Wells Fargo customer service, they were surprised that the banker refused to open an account! 

Bank may talk to my daughter regarding this issue too
Consumer complaint received 2021-04-02
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. (TN)

On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to XX/XX/XXXX Equifax, and XX/XX/XXXX certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XX/XX/XXXX Home Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.