davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-02
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. (VA)

I had an account with XXXX XXXX. I received a call from collection agency XX/XX/2020, advising that if I paid the settlement offer the item would be removed from my credit report. 2 months later the item is still reporting negatively on my credit report.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (NM)

Bank of the West XXXX, NM CD Account number XXXXXXXXX opened on XX/XX/XXXX. The CD was opened as a 3 Month Maturity Date of XX/XX/XXXX. 

What happened : On XX/XX/XXXX I opened a Certificate of Deposit for {$100000.00} through Bank of the West XXXX XXXX, XXXX Branch Manager at XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX Direct XXXX Fax XXXX Email XXXX Documents on Hand : I have the original certificate document from provided by MrXXXX XXXX XXXX from Bank of the West for the CD as it was issued on XX/XX/XXXX. However, the CD was never funded, the funds were never deposited to this CD. As of today, XX/XX/XXXX, the CD account today shows a XXXX balance and Bank of the West will not tell me why or how the funds were disbursed. 

Complaint to Bank of the West : On XX/XX/XXXX I called Bank of the West main telephone number XXXX and issued a complaint about Fraud due to the funds never deposited to this CD on XX/XX/XXXX to an Escalation Manager named XXXX employee ID XXXX. She could not understand what happened or where the funds were disbursed and was going to escalate to the Regional Manager. The Regional Manager never called. In addition, my online access to this account was denied to print additional documentation. 

Please help.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

Charged interest after being explicitly promised by agent I would not be. I had to attend a funeral on short notice, and the website was not accepting my payment. Once in the car and on my way I called Amex to let them know and they said it would be ok to pay when I got back, given the circumstance. 

Upon returning they charged a late fee and interest, despite being told they would not. They reversed the fee but not the interest. I've spent no less than 30 hours explaining the situation. 

The website problems have persisted for more than one year, and I've reported them more than 20 times. There has been no effort to fix the login and payment issues, or the issues with accessing chat. It has not changed in any way and remains broken. In a conversation with a manager in 2019 ( summer ) I asked to cancel my card due to the technical problems. She instead promised that they would support me in making my online payments when possible, and without penalty. That was true for a while, but they've stopped honoring this with no prior warning. 

Overall, I've been lied to, had thousands of dollars in lost time, and they just won't do the right thing despite specific assurances that this would not happen.
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Inaccurate Information TransUnion Credit Report : Creditor Accurate Balance Inaccurate Balance Date Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Resolution : Verified As Accurate on XX/XX/2023 Correct Debt Owed : Should Be {$240000.00} Incorrect Amount Owed : {$250000.00}
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (CA)

During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late. 
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been. 
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this time
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (PA)

I have disputed this debit with another debit collector. When Sunrise credit purchased the debit I sent the dispute five times with them saying they never received it. They continue call saying they spoke to XXXX XXXX XXXX and it is a valid debit and I need to pay it. I send another dispute today and a half an hour after sending I just received an debit is its valid you must pay.
Consumer complaint received 2020-08-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (NH)

I took a title loan on my car last year I have not heard from them in a year in a half time no email no mail they came Sunday and repoed my XXXX. I'm out of work because of covid no money they wanted XXXX to get my XXXX   back I tried to work with them with no luck they kept saying I needed to have the money. it would have been nice if they would have contacted me they said they tried calling they read off the phone number it wasn't my number and I sent them that they took my real number and they said they tried calling they don't send emails they don't send anything in the mail but all the sudden I got a letter in the mail stating that my car was picked up.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

LOANCARE COMPLAINT : I refinanced my home in beginning XX/XX/XXXX with XXXX. They subsequently sold my loan to XXXX effective XX/XX/XXXX. The first half of my XXXX mortgage payment went to XXXX, 2nd half went to XXXX, both were {$820.00}. 
Loancare took over servicing my loan effective XX/XX/XXXX, after XXXX filed for XXXX. 
Somewhere along the way Loancare determined that I was missing a payment, but I'm certain I am not. I have been making 2 payments in the prior month on the XXXX and XXXX, for the upcoming month 's mortgage. I can't count the number of times I've contacted them and explained this. Loancare has always removed late fees when I re-explain I make 2 payments in the prior month for the upcoming month 's mortgage, and they look at my account, but then within a month or two, they send me a Reminder Notice to pay my mortgage and there are more late fees and missing 1/2 payment. I have sent my bank statements repeatedly showing I have missed no payments. In early XXXX I had a conversation with them and the CSR pointed out that it looked like I missed a payment somewhere in XXXX of XXXX, but I haven't. I have a XX/XX/XXXX XXXX showing the 2 XXXX payments ( made in XXXX ) and there were no past due amounts. On XX/XX/XXXX I resent all my bank info again to them and they responded " The proof of payment provided is not sufficient. If further research needed please provide the transmittal form from your bill payer to further research your request. '' At this point I'm so tired of going through the same routine, I sent an extra payment on XX/XX/XXXX of {$800.00}, so for XX/XX/XXXX, they received XXXX {$800.00} payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX, I received in the mail a Payment Reminder FOR XXXX, DATED XXXX, SHOWING I OWE THE FULL XXXX AMOUNT WITH MORE LATE FEES TOTALING {$250.00}. FOR OVER A YEAR I'VE BEEN DOING THE SAME THING WITH LOANCARE WITHOUT RESOLUTION.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I contacted my mortgage company SLS around mid XX/XX/XXXX and spoke with a representative about wanting to apply for a modification to my mortgage payment due to my grandmothers recent passing ( XX/XX/XXXX ) and unfortunately my income not being enough to cover my mortgage payment. I received a trial period plan agreement from my mortgage company SLS dated XX/XX/XXXX stating they would set me up pre modification in the amount {$1200.00}. Trial Payments -3 and post modification {$960.00} starting XXXX. The letter also indicated that my application was denied because the financial information provided doe not demonstrate the ability to repay- - The application has been denied because we were not able to verify a qualifying hardship I had sent in all the required documents/proof of my grandmothers death certificate as requested. I feel I am being discriminated against as a consumer please look into this issue immediately.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (OH)

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt signed over by CEO. 


ASSOC CRDIT XXXX
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (IL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MS)

I applied for forbearance and now they are giving me no repayment options other than pay the outstanding debt in full. When this began, they told me I had options to repay. This included refinance, the debt being put on the back of the loan, or a repayment plan. Now theyre saying I have no options but to pay the debt in full.
Consumer complaint received 2020-11-26
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. (FL)

Is been longer then 30 days. They did not provide me with no affidavit of truth nor any exhibits in this matter. I sent an affidavit of truth with exhibit stating how they violated the title 15 USC 1681b ( a ) ( 2 ) they did not respond to the violation of the Fair Credit Reporting Act violation that was addressed and brought to their attention.

No. VERIFICATION. Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposi- tion. McNamara v. Powell, Sup., 52 N.Y.S.2d 515, 527. I am the original creditor and this account was not verified with the original creditor so pursuant 15 USC 1681a ( 2 ) ( A ) ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report is excluded. Transunion violated.

Pursuant 15 USC 1681a ( 2 ) ( 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. HOW WAS THE INVESTIGATION CONDUCTED AND WHO DID YOU INTERVIEW? 

Transunion is using unfair and inaccurate information on my consumer report. The response is not what I asked for. My affidavit of truth and exhibit addressed who gave them written instruction to have this account that is inaccurate because I have no value in it.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I'm not sure if this is the correct site to file the complaint. I received a random text from a NJ number. The text read " [ Wells Fargo ] : Your online banking has been locked due to unusual activity. Please visit to XXXX XXXX XXXX XXXX '' From XXXX I do not have a wells fargo account so I knew this was bs.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I recently requested a validation of debt under FDCPA. I AM INVOKING MY RIGHTS UNDER FCRA 611 ( a ) ( 7 ) to request comprehensive description of all methods employed to verify the collection account being reported. If the debt can not be validated within the 30 day period mandated by the FDCPA. I REQUESTING THE DEBT BE REMOVED FROM XXXX, XXXX and EXPERIAN.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NJ)

Dear Sir/Madam, I got a rate lock for a mortgage from Citibank after signing a purchase agreement for a property and they have since then added 0.75 points for the mortgage increasing my closing costs by {$4700.00}. Even after reminding them multiple times over the phone and email that a rate lock implies that both the rate and points remain fixed until the lock expiry, they have not yet agreed to remove the points and honor their initial terms. My closing date is XX/XX/XXXX and even though they say they are working on getting the terms back to the initial values I don't have faith that they intend to do it. 

Please find attached the initial rate lock document and the subsequent revised document they sent me. 

Thanks XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-08-31
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. (AR)

I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX : XX/XX/XXXX XXXX  : XXXX XXXX  XXXX  : XXXX US DEPT ED : XXXX XXXX : XXXX XXXX : XXXX US DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (NJ)

I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful. I do have a PNC BANK XXXX XXXX XXXX  but PNC BANK refuses to allow me to open a regular checking and savings account. I demand PNC BANK stop discriminating against me and allow me to open a regular checking and savings account! I also demand all unlawful, fraudulent accounts be removed from my credit reports and any and all consumer reporting agencies immediately.