davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, EQIFAX refuse to abide by the FCRA
Consumer complaint received 2023-02-07
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)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2019-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

I lived in the XXXX XXXX and paid monthly lot rent. They said I was late twice and I owed late fees I went to the office and they looked it up and agreed I only owed one so I paid it. Than their corporate office came bake and said I still owed one and they could no longer except my checks til I paid it. So I than got the office manager involved ( XXXX ) at the time and he reviewed and also agreed I didnt owe and accepted my checks again. But again corporate came back and said I still owed but they wouldnt return my calls. The office continue to take my checks and said it would be taken care off. Well it never was and I decided to move out. Now I did own the home so I put it up for sale and the XXXX XXXX did sale my house and gave me the check for what they sold my home for. Now dont you think if I still owed them this money they would of release this check to me? So corporate turned this over to hunter ward and its been one my credit report for years now and it keeps going up and keeps me from getting additional credit. This should be  removed now.
Consumer complaint received 2019-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I try to contact this company multiple time due to a fraud account that was open under my name and ask to me remove of my credit report and still to this day no action have been made at this time Im willing and ready to take what ever action thats next to have them remove this fraudulent account of my report!
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NC)

We were approved for a mortgage forbearance plan for XXXX XXXX payments, due to Covid. We started making payments again on XX/XX/XXXX and have made every payment since. Starting in mid-XXXX we were in contact with Dovenmuehle regarding the re-payment plan, and we chose the option to add those 3 payments to the end of our loan. They said they would send us paperwork. We did not receive it so we called back in XXXX and they said they had no record of the above conversation, and again they said they would send the paperwork. This happened 2 more times - we never received the paperwork to add the payments to the end of our loan and they began putting negative marks on our credit. They then on XXXX suddenly sold our mortgage to another company without mention of any forbearance to them - XXXX XXXX was in the dark and they just thought we had not been making payments. What Dovenmuehle did was, they took the 3 payments for XXXX and applied them to XXXX so it just looked like we were constantly 3 months behind. The new mortgage company was finally able to resolve it by putting us on forbearance again for 1 day to push these payments to the end of the loan. Dovenmuehle needs to fix any and all negative marks against our credit. The attached letter from them dated XXXX, was not received by us until after they sold our mortgage in XXXX. This was illegal according to the CARES Act of 2020. This company needs to be fined and we need to be compensated for the financial stress their negative credit marks have put upon us.
Consumer complaint received 2023-02-06
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. (CA)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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: Bread Financial Holdings, Inc. (FL)

I was in communication with Comenity Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that Comenity Bank is breaking the federal law ( FCRA ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that Comenity Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

Comenity Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with Comenity bank and attorneys. 

I have reported the issue I am having with Comenity Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been severely and negatively effecting my financial future.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I disputed an alleged bankruptcy as inaccurate with Experian. I reached out to the Original Creditor which is the " US Bankruptcy Court Of XXXX '' and THEY RESPONDED BACK STATING THAT THEY DO NOT VERIFY BANKRUPTCIES WITH ANY CREDIT BUREAUS. 

XXXX was also unable to verify this alleged Bankruptcy so THERE IS NO absolute way that Experian is Verifying this alleged Bankruptcy ... Because these are the two ways That Experian Claimed to have verified the alleged bankruptcy. 

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. 

I've attached the Bankruptcy Court Response and XXXX response also stating they couldn't verify the bankruptcy. 

This is a violation of the FCRA Also a violation Of the FDCPA
Consumer complaint received 2023-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TX)

I honestly hope somebody reads this. I'm not entirely sure I selected the right button for this dispute. I had already filed a complaint against this company about this account being past the statue of limitations in the State Of Texas and that they never informed me that they owned the debt. This complaint was thrown out and found in favor of the collection company and I have proof that nobody actually did any investigation into this matter. Today I received a letter from Spring Oak Capital with a statement from an old XXXX XXXX account that I had informed you was past the time limit to be collected on. I knew I was 100 % correct so I decided to do the research for you. I went back and printed off a copy of my credit report where it clearly states the account was closed on XX/XX/XXXX. I even called XXXX XXXX and they informed me that the account was in fact closed on XX/XX/XXXX, the last payment on this account was on XX/XX/XXXX. The account was closed 90 days after the account went into default for non payment. The statue of Limitations in the State of Texas is 7 years, which would make the end date XX/XX/XXXX. This is XX/XX/XXXX and I'm still messing with this account that has no reason to be tried to collect on and totally has no reason to even be on my credit report any more. I will attach the letter I received from Spring Oak aswell as a copy of my XXXX credit report where it clearly states the facts in this matter.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

On XX/XX/XXXX I received two push notifications alerting that two {$86.00} dollar withdrawals had taken place followed by a text asking me to confirm if I was attempting to make another withdrawal for XXXX. I responded No and immediately contacted chime to let them know I still had my debit card in my possession and I did not make or authorize the two transactions that had just gone through. Two days later they tell me no errors occurred and I will not be getting my money back. The final amount settled for {$160.00} plus {$5.00} in atm fees. There is no consumer protection against theft and fraud with this company.
Consumer complaint received 2020-12-17
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: Merchants' Credit Guide Company (IL)

On XX/XX/XXXX, MERCHANTS CREDIT GUIDE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-05
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. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2600.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-09-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX ext. XXXX XXXX : I received a telephone call from Mr. XXXX ( on my cell phone ). Mr. XXXX made no mention of proceeding with refinance or his investigation into my concerns of fraud by Wells Faro employees ( although he has made multiple time extensions and there have been multiple notifications to me of delays for said claimed investigation ). Mr. XXXX stated he was going to send me a copy of my current amortization schedule. When I asked, why, he claimed to believe that I had made this complaint ( that is well documented, by now ) wanting a copy of my amortization schedule. 

If he truly believed that, why didn't he just print one up and send it to me when I made the complaint initially? The fact that he didn't shows consciousness of guilt regarding disingenuousness of his absurd assertion and fraudulent attempt to mislead this customer of financial services provided by his employer, Wells Fargo. 

I have had at least three prior phone converstions with XXXX. I have never, in writing nor verbally, requested a copy of my current amortization schedule. To be clear ( as I have been from the begining ), Wells Fargo will refinance my current loan or Wells Fargo will re-amortize my payments. This is NON-NEGOTIABLE. 

During our first converstion, we discussed a Wells Fargo 's employees prior refusal to re-amortize my loan and her claim that it was not allowed by federal guidalines and law. If you read initial complaint, here, you will see that I believe this to be a falsehood. During the XXXX converstion with Mr. XXXX, Mr. XXXX stated repeatedly that it was policy ( Wells Fargo Policy was the alussion ). Which is it? It can not be both. Either I was refused re-amortization becuase of federal guidalines and law or due to Wells Fargo policy. One, or both, of the employees used specific verbage in an attempt to mislead ( fraudulently ) this customer of financial services provided by thier employer, Wells Fargo. 

It is my sincere hope that Wells Fargo will address and correct disingenuous statements, actions, and lack of actions perpetuating fruad with the intent to mislead and disenfranchise this protected class customer and which XXXX XXXX, XXXX XXXX and Wells Fargo XXXX. XXXXl, can be held jointly and severably liable. Should Wells Fargo fail to correct these egregious actions, I will have no choice report them to FINRA and NASAA, and to seek civil remedy. 

Per my last converstion with Mr. XXXX, he will conclude his claimed investigation within 10 days. 

Choose Wisely, XXXX XXXX
Consumer complaint received 2020-05-11
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. (GA)

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2023-02-05
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: BARCLAYS BANK DELAWARE (MN)

XXXX more supporting documents/ false reporting pertaining to your false reporting! I asked you to review XXXX XX/XX/XXXX a company that you had hired or sold the debt to indicated to me that you had already sold or transferred the account to them again that was in XXXX! Which proved that you changed the date of last active. Basically the account was already in first delinquent long before XX/XX/XXXX please remove the account or accounts from my credit file immediately Then I received another correspondence with a company called north star indicating that they had the 2nd account on XX/XX/XXXX they receive the account from you! 
Barclay this is a clear clear sign that you had these dated changed under spite this is real dirty if you doing this! I asked you to immediately remove this account from my credit file as you have had your fame and Fortune of this illegal active! 
Remove this she lets move on please I thank you XXXX XXXX
Consumer complaint received 2023-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

XX/XX/XXXX I submitted my PSLF forms. One employer was a charter school that is no longer in business. I do not have W2 forms so I submitted IRS transcript from IRS.gov website to cover information missing. The form provides Employer Tax Identification number and my salary. I'm told by Mohela that's not acceptable but need a W2 instead. W2 gives the same information as the IRS transcript and neither give dates of employment so why is a W2 more acceptable than the tax transcript? Furthermore, SSA charges {$150.00} per year ( 4 years for me ) to provide a W2. I provided 3 years of IRS transcript but was 3 months too late for XXXX so I must pay for a W2 for that year. {$450.00} for the same in information seems ridiculous since they already have the same information but in another form.