davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Describe in detail the circumstances of fraudulent activity and how I became aware of the activity : I placed 8 checks in my home mailbox on XX/XX/XXXX in the morning and put up the notification that I had mail to be picked up. I noticed the notification was reset to indicate it was picked up on XX/XX/XXXX. ( XX/XX/XXXX was XX/XX/XXXXHoliday and no mail was delivered ) Normal pick up/delivery is between XXXX and XXXX. 
On XX/XX/XXXX, while reconciling my banking transactions with my XXXX accounting system, I noticed payroll check numbers XXXX and XXXX where posted for incorrect amounts. I immediately went to the B of A checking account to investigate. In reviewing copies of the checks, I discovered the fraud. The payee amounts and payee names were changed. While in my B of A account, I noticed three ( 3 ) additional checks altered. Checks number XXXX, XXXX and XXXX were altered and shown as pending. The following details the alterations for the XXXX checks in question : Check number Payee Amt. Altered Payee Altered Amt. 
XXXX XXX {$150.00} XXX {$2200.00} XXXX XXX {$160.00} XXX {$2200.00} XXXX XXX. {$45.00} XXX.  {$2200.00} XXXX XXX. {$80.00} XXX {$2200.00} XXXX XXX {$220.00} XXX {$2200.00} I immediately call the fraud hotline and started a claim to report and recover the funds, in addition, I froze / closed the account. I also, went B Of A to open a new account and obtain cashiers checks for the original payees and original amounts. I was told to return the next day to open a new business account as the business specialist wasnt not in that day. 

Please contact me if you need additional information. 

P.S. It's been ~45 days and B of A is no closer to resolving this than they were since I submitted complete claim information. They keep saying its being investigated and depending on who I speak with the timeline for resolution keeps changing.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/2019 Upon checking my credit report numerous times in the past. I came across a Unverified account that is a bankruptcy that I have know knowledge of! 
I XXXX XXXX HAVE TRIED DISPUTING THIS CHAPTER XXXX BANKRUPTCY-XXXX XXXX   XXXX NUMEROUS TIMES IN THE PAST WITH THE CREDIT BUREAUS XXXX, XXXX, EXPERIAN AND HAVE FAILED TO GET A RESPONSE FROM THE THREE. THEY HAVE TARNISHED MY NAME WITH INACCURATE REPORTING! ACCORDING TO THE FAIR CREDIT REPORTING ACT THE CREDIT BUREAUS MUST MAINTAIN ACCURATE CREDIT REPORTING, AND ALSO 100 % VERIFIABLE PROOF ( DOCUMENTATION ) TO KEEP AN ACCOUNT ON A CREDIT REPORT. THE PROBLEM WITH THIS IS THAT XXXX XXXX XXXX XXXX PRESIDENT OF US INFO, AND XXXX XXXX EXECUTIVE VICE PRESIDENT OF XXXX XXXX AND XXXX XXXX XXXX OF XXXX  XXXX, AND XXXX XXXX SENIOR VICE PRESIDENT OF XXXX XXXX AND ALSO XXXX XXXX PRESIDENT OF US COMMERCIAL SERVICES AND CORPORATE CHIEF CLIENT OFFICER OF XXXX, ALONG WITH EXPERIAN ARE VIOLATING THE FAIR CREDIT REPORTING ACT FOR REPORTING UNVERIFIED FRAUDULENT INFORMATION AND KEEPING THIS INFORMATION ON MY CREDIT REPORT PAST STATUES OF LIMITATION. I HAVE ALSO TOOK IT A STEP FURTHER AND HAVE REACHED OUT TO XXXX COUNTY 'S REGISTER DEEDS OFFICE IN XXXX THEY WROTE ME BACK IN A RESPONSE LETTER STATING THAT THEY DO NOT REPORT TO ANY CREDIT BUREAUS VIA FAX, EMAIL, OR BY MAIL I HAVE UPLOADED THE PROOF! ALSO IF THE CREDIT BUREAUS CONTINUE TO VIOLATE THE FCRA AND DO NOT REMOVE THIS UNVERIFIED ACCOUNT I WILL PURSUE FURTHER LITIGATION AND JOIN THE FIRST CLASS CONSUMER LAWSUIT INVOLVING OTHERS WHO HAVE BEEN A VICTIM TO XXXX XXXX PRESIDENT AT XXXX AND ALSO XXXX XXXX EXECUTIVE VICE PRESIDENT AT XXXX  XXXX! THESE COMPANIES ARE TAKING ADVANTAGE OF HARDWORKING CITIZENS WHO DO EVERYTHING IN THEIR POWER TO KEEP THEIR NAME CLEAN TO PROGRESS IN LIFE. I AM DISGUSTED WITH THE CREDIT BUREAUS. I HAVE ALSO OPTED OUT OF ALL ARBITRATION THAT THEY HAVE SETUP SO I CAN NOT SUE YOU ALL IN SMALL CLAIMS COURT!
Consumer complaint received 2019-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MT)

I learned of this debt when checking my credit scores one day. I was unaware of this debt as no Dunning Notice was sent to me. The company has also not verified my request for proof, including my original signature, that the account is in fact mine. When contacted through the XXXX  all they sent me was a letter with an offer of a payoff plan from a third party, their purchase information from the original creditor, and statements from the original creditor. The amount of the debt is {$600.00}. The company bought this debt on XX/XX/XXXX, reported the debt to credit bureaus on XX/XX/XXXX, and the third party sent me the letter with a payoff plan offer on XX/XX/XXXX. I originally disputed this debt on XX/XX/XXXX through a credit repair company - this dispute never received a response, which is enough to remove the debt from my credit report to begin with. I complained about this company to the XXXX on XX/XX/XXXX. The company responded to my complaint on XX/XX/XXXX and declined their response XX/XX/XXXX. I received a second response from the company on XX/XX/XXXX, which I declined on the same date. The company has not provided any proof that an acceptable Dunning Notice was sent prior to reporting to credit bureaus or proof, with original signature, that the account is mine.
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

In or about XX/XX/XXXX, said individuals mortgage my home, XXXX XXXX XXXX XXXX, XXXX. My mortgage payments were paid by XXXX XXXX/XXXX XXXX XXXX XXXX. 

Nevertheless, I was notified by Wells Fargo in XX/XX/XXXX/XX/XX/2016, that an impersonator signed refinancing documents. Thus, I contacted Wells Fargo in XX/XX/2018 after learning about my accounts. Representatives exclaimed I didnt owe anything and my accounts were satisfied.

Thereafter, I received an email that my account had been locked, due to several attempts to log-in.
Consumer complaint received 2019-03-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/19 I submitted a method of verification. I speciaifcally asked for all informaiton they are using to investigate and come to the conclusion that all of the informaiton is correct. They received the letter ( attached ) on XX/XX/XXXX. https : XXXX XXXX Already on XXXX they are sending back through their online communication that these items have been investigated before and are refusing to investigate again. First, that is not what I asked for. I asked for the PROOF. Second, they have to investigate again if I send a letter stating I need proof based on the LAW. They want me to send proof from years ago. I don't have it. It doesn't work that way anyways. They have to send me what they are using to come to this conclusion. It is not guilty until proven innocent. They can not just report something without providing the evidence. 

I have asked for the proof by law within 14 days. They have until XX/XX/XXXX ( 14 days fro receipt of letter ) to provide me the proof or they need to remove these items immediately.
Consumer complaint received 2019-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (NM)

I tried to apply for a car loan and discovered there is a XXXX bill collection on my credit report. I tried to contact the company listed on my credit report and they have NO working numbers, or email address or anything. How am I supposed to figure out this " collection '' IF they have never contact me and have NO WAY of getting ahold of someone!!!!!
Consumer complaint received 2019-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (FL)

I currently have a mortgage with Banco Popular. My mortgage loan has always been set up in auto pay and always paid on time. We moved to Florida in pursuit of new employment in XX/XX/2018 and without any notice, Banco Popular cancel my auto pay and that cause a 30-day late reporting on our credit. We never cancel the auto pay option in our Mortgage with Banco Popular. We have enough funds on our account to cover the regular payment on a monthly basis, Banco Popular failed to give us notice either by phone or mail to let us know the Mortgage was past due. It was not until over 30 days that we received mail letting us know the payment was delinquent. We advise the lender that there was plenty of funds in our account and asked why the payment was not withdrawn automatically as always for over 6 years. They told us the auto pay was cancel. We never cancel the auto-pay option. The account was set up from the beginning to be used only for Mortgage payment only it was set up for that purpose. Banco Popular refused to research why the auto pay was cancel and they have no record or evidence in writing or in the computer showing date and time of cancellation. They refused to remove the 30-day late payment from our credit. It has damage our perfect mortgage payment history and credit. We need help with this financial institution. They don't have the knowledge neither know the REG 's that are violating when they refused to investigate and correct their error.
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.
Consumer complaint received 2019-03-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Associated Credit Services, Inc. (AZ)

XX/XX/XXXX Dear Sir or Madame, I am requesting guidance on how to hold a collection agency and two billing companies accountable for damaging my credit score by purposefully and maliciously, submitting a debt I did not owe to the credit bureaus as a charge -off. This was done knowingly during my protected dispute period., as I was trying to get documentation to resolve the issue. Here are the facts : 1 ) I received a bill from XXXX XXXX XXXX XXXX XXXX, P.O. Box XXXX, XXXX, PA XXXX for {$250.00} for services rendered for an in-network procedure completed in XX/XX/XXXX. 
2 ) I called them to request more documentation as I should not have had a balance after my co-pay, as my deductible was met. They said they had no records and to contact XXXX at XXXX XXXX  At XXXX. XXXX said he could not help as he had no records as the billing company was sold. 
2 ) I then disputed the debt in writing within 14 days of receipt of the bill requesting further documentation. I received none. ( I have written to all parties every 30-days to support my obligation under the law. ) 3 ) I called XXXX XXXX  my health insurance carrier and they told XXXX XXXX XXXX XXXX to put collections on hold, because it was in the process of being paid by the carrier. XXXX XXXX XXXX ignored this and referred the alleged debt to Associated Credit Services , Inc., P.O. Box XXXX, XXXX, MA XXXX. I immediately sent a written dispute which is included. 
4 ) Along with that dispute I included a check for {$26.00} as a good faith payment only toward any balance documented in the meantime. This was done to show good faith to prevent the matter from going into collections. 
5 ) They cashed my check and did not respond in writing or by phone as requested. 
6 ) Today, I called XXXX and spoke with XXXX who reported that I was mistakenly balance-billed and never owed anything other than the co-pay I made at the time of service. 
7 ) XXXX can be contacted at XXXX option # 2, referencing interaction number XXXX and she could document that there never was a debt. I explained this to all parties and provided her contact information. It was ignored and not pursued. 
8 ) Today XX/XX/XXXX, I called Associated Credit Services , Inc. and reached XXXX XXXX who reported the could not remove the charge-off collection from any of the credit bureaus. I asked why they pursued it during my dispute period within which I had disputed it in writing. He said they never received a letter which is false, as they cashed my check. 
9 ) The false entry to the credit bureaus has caused me damage because they were illegally made during the protected dispute period, violating my federal rights. My credit score dropped XXXX points 10 ) This had an effect on interest rates on current debts and constricted my access to credit based on my previously XXXX score. 
These companies have recklessly and wantonly trampled on my Federal rights and must be held responsible. 
Respectfully,
Consumer complaint received 2019-03-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (MI)

The company involved ( Navient ) has repeatedly called, my work phone, home phone and cell phone regarding a private student loan that I may have co-signed for, however the private student loans have reached the Michigan statute of limitations. The loan periods originated in XXXX through XXXX and have been accruing interest and is now over {$100000.00}. They are reporting these on my credit report which is damaging my credit score. They have threatened to report the loans in default and attempt further collection actions on these old debts. I have never had any communication directly with this creditor. Additionally, the primary borrower and myself has previously filed for bankruptcy protection and as we understand, these debts should have been closed and removed from record.
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (CA)

Grant Mercantile in XXXX Ca received a medical account on my behalf. Correspondence was sent by original biller and Grant Mercantile to an outdated address. They leave no voice messages as to who they are and call and hang up after one ring. Upon seeing the account on my credit report I contacted Grant Mercantile and attempted to resolve the issue. They stated they had added 10 % interest and backdated it to the original date of the bill. No such fees or penalties are outlined in my contract with the medical facility and therefore should not be added. I wanted to pay the account in full for the principal but the company refused to remove the additional fees they imposed with no contractual agreement to pay such fees.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX,2019 my friend got a call from XXXX XXXX XXXX at XXXXBecause I  contacted lawyers on behalf of a friend I wondered if that was them but I don't recall giving out my friends number. I called back but got voice mail for XXXX. XXXX called me back and transferred me to XXXX XXXX who said they are a law firm and will have to take me to court over GE Capitol Retail Bank/XXXX XXXX credit card for breach of contract. He says the debt is for {$1300.00} but now the amount is {$1600.00} and I can settle the debt for {$890.00}. He said I will only get paperwork AFTER I submit payment and he was recording the line. He did not offer to send paperwork to my email address which he already has on file before I pay this debt. I tried looking them up and seen they represent XXXX XXXX XXXX XXXX in XXXX XXXX. I would still like to see what this {$1600.00} is for if my debt was only {$1300.00}. They should send me the paperwork because I tried to resolve the debt with GE Capitol Retail Bank around 10 years ago and sent payment. XXXX XXXX also said if I paid the {$890.00} it will be resolved off of my credit reports but again I never received anything in writing from him.
Consumer complaint received 2019-03-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AK)

Good morning, In 2004 I included this Wells Fargo XXXX line credit into my bankruptcy. Both the loan and bankruptcy were in Colorado. Since then, it appears on my bank account as active and Past Due. I have repeatedly called, met with officers trying to get this removed from my record. 

During my latest attempt, the Wells Fargo representative looked at my account and very loudly pronounced well, youve got a XXXX line of credit that yiu are past due on! And everyone in the bank nearly looked at me. This is not the first time a Wells Fargo employee has been less than careful with private info. 

I was furious but politely left. She was completely unprofessional in both appearance and attitude and I was humiliated and had my privacy disrupted right there in my Brothers home town bank in XXXX XXXX, NV. 

The original loan was obtained in XXXX, Colorado. 

This has affected my credit and I am done trying to go thru Wells Fargo to clear it up. 

Thank you for your time and expertise.
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (CO)

This is now my third complaint about this same matter, as the past two complaints I've filed against XXXX received a response from the XXXX  of which they admit to violating my rights under the FCRA and FDCPA. As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account. In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law. As of today, I have now sent a complaint to the Colorado Attorney General, and will continue to pursue legal action if they continue violating my rights.
Consumer complaint received 2019-02-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

On several occasions I submitted numerous of letters to experian, XXXX, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.
Consumer complaint received 2019-03-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (PA)

I was 100 % paying customer until I got into car wreck that all most took my life, literally. I was in a XXXX for 2 months and then in there XXXX for a month. At the middle of XXXX my family knew I was going to buy a veteran assistance loan, so they got in touch with all credit cards and loans. Honda financial wouldn't give them any information but they took insurance info, gap info and what I owed as deductable but wouldnt give them info on my payments they say I missed. I missed none and told them they dont care if I am XXXX because their car didnt release airbags. Now they ruined my credit while they knew checks from insurance and extra insurance with their company called XXXX. Anyways I am out of first step but deeply depressed I might never walk again and they want take back late payments when in XXXX, XXXX. They are shameless and triffling. They got money for car but wont realaste to credit companies.