davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Acc # XXXX To whom it may concern : I own the property at the address listed above, and your bank services my mortgage. 
Over the last several weeks there have been many stories documenting the problem that banks are foreclosing on homes without proof that they own the loan. I have learned that in many cases, banks like yours do not even know who owns the loans you service. Employees at several leading banks have admitted to rubber stamping tens of thousands of foreclosures every month, without even checking to make sure that the bank had a legal right to proceed with foreclosure. In some cases, banks allegedly falsified mortgage documents to cover up their mistakes. There have been reports of two banks trying to foreclose on the same home, banks foreclosing on homeowners who were current on their payments, and even of a bank foreclosing on a home where the homeowner had never taken out a mortgage to begin with. This is not merely a technical problemit is the difference between having a warm bed at night and being out on the street. 
As a homeowner and a customer of your bank, I am horrified. I had always believed that it I played by the rules, I would be protected, but now I know that banks like yours think the rules dont apply to them. 
To protect myself and my family, I need to know who owns my mortgage. Within thirty days, I would like to know the name, address, and phone number of the bank or investor that owns my mortgage. Furthermore, in light of the recent allegations of foreclosure fraud, I demand to see the original mortgage note proving ownership over my home loan. I would like to see copies of all endorsements and assignments of my mortgage note and where and when the assingment ( s ) _if any were recorded. I also ask that you provide me  with evidence of your firm being contractually retained to service my loan. 
If you fail to provide the information I am legally entitled to, I will be forced to consider all options available to me to ensure that my family and my home are protected. 
I ask that I receive my response in writing. 
Thank you for your attention to this matter. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .ca XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  *
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have sent in several request to have the FRAUD ALERT on my credit file REMOVED. 
To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. 
I do not wish this fraud alert maintained on my credit file. Please remove it immediately. 
To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. 
Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done.

I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above.

In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. 

Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs. 

Thank you in advance for your assistance in this matter.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

I was told I had 90 days after account closure to use my points. 

At any rate, on XX/XX/2019 I closed my account. 

I have a CHAT saved conversation, where I state that immediately before chatting, I tried to redeem points, and it wouldn't let me. 

The system said Phone Number needed. Even after adding that, I still couldn't use them. The system didn't allow me to press any buttons. 

That was BEFORE I closed my account. 

I suspect that AMEX purposely behind the scenes restricts ability for people to use their points, when the account is late or about to be closed, without knowledge to the customer, and in default of what they say, that you can indeed use the points. 

I firmly believe AmEX is in violation of marketing and deceptive practices. 

I had XXXX, and was unable to redeem them. I have PROOF of this from a chat conversation. 

CONVERSATION OF WEBSITE PROBLEMS AND UNABLE TO REDEEM POINTS BEFORE ACCOUNT CLOSURE IS REFERENCED ON PAGE 3 OF THIS PDF.

scroll TO PAGE 3.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, my credit score is dropping suddenly without any reasons! Ive pay my credit card on time and set up automatic payments! They have never mentioned that why my score is dropping!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$61000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (PA)

I have 3 unknown inquiries on my credit report. Amex on XXXX XXXX, XXXX XXXX XXXX on XX/XX/2019, and XXXX  on XX/XX/2019. I just saw this on my credit score and it is greatly affecting my score.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This company is in violation and performing an infringement upon a consumer 's right to privacy.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian has a long history of falsely claiming to investigate disputes of consumers by returning results as verified. In this case what they have sought to do and perform is adding names associated with the accounts they seem to want to identify as verified. The government of the United States, through the Social Security Administration set forth a program to ensure I wasn't mixed up with others that share the same name, so my name was redesignated as XXXX XXXX, that is the only name upon which I apply for credit under. In such Experian has allowed 66 inquiries since XX/XX/2019 to present to be happened upon my credit report with name XXXX XXXX XXXX, and thereby adding that name to my credit report, or which they are fully aware from previous correspondences that it is not me, but they continue to allow their paid subscribers to perform the same, without identification or permissible purpose of identifying self within person, all of these inquires were done only, and not in person. 
Secondly Experian recently verified an bankruptcy XXXX as reporting accurately, even though through the dispute process, I produced a letter from the third party provider that stated no bankruptcy exist under this client, or consumer. Basically Experian is engaged in the same lying technique of playing to investigate while doing nothing more then wasting time then claiming verification. They are reporting and have been reporting an credit card account from XXXX XXXX, when the actually applicate applied with social security number XXXX, fraud, since my social is XXXX.
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc. (FL)

In XX/XX/2018 four new installment accounts appeared on my credit reports ( XXXX,  XXXX, and XXXX ). These accounts are listed under creditor Dyck O'Neal and each is being reported on my XXXX, XXXX, and XXXX  accounts as greater than 120 days past due each month. After doing my research I have found that Dyck O'Neal is a collection agency that buys old debt. After expressing that I do not have an obligation to pay Dyck O'Neal I have not been able to have the installment accounts removed from my credit report. Rather than report the accounts as the collection accounts they truly are, Dyck O'Neal is listing these accounts as installment accounts and/or unsecured loans and reporting those loans as past due each month. These collection accounts are made to appear on my credit report as though I took out a loan with Dyck O'Neal and grew significantly behind in my payments.
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

Ref. : XXXX XXXX - Accounts # ( XXXX ) XXXX, ( XXXX ) XXXX and Temporary number ( XXXX ) XXXX ( NONE of those accounts were used at any time, Equipment were never installed and NO charges were never incurred )! Accounting Error, since the Company bills 30 days in advance! 

Credit Control Corporation the direct employee of XXXX XXXX, and its Agents/ Collectors, harassed, intimidate, and threatened to Harm our excellent Credit Ratings. 

Credit Control Corporation and its Agents/ Collectors, failed and continue to fail in producing any documents to validate the alleged debt, even with our repeated demands!

Credit Control Corporation and its Agents/ Collectors, contacted us repeatedly at different hours in violation of FDCPA , with their false and misleading arguments seeking to collect more the alleged debt of {$55.00}! 

Credit Control Corporation, XXXX. XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2019-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I have a XXXX which when wells Fargo took over my payments arent being deposited into my account on the date which was set up. I was told they changed dates without my knowledge or consent. I asked several times for years to have this corrected and they tell me it can not be. They told me to wait till XXXX to see what can be done. They told me I would have close and open a new one to get it fixed which is absolutely unfair. All I want is for my disbursements to be corrected as it used to be.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

An item that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

Loan Care says that they never received my XXXX payment. I have had countless phone calls with them totaling countless hours on the phone. I have spoke to representatives, managers, supervisors, I have even had my bank on the phone with them. I have sent them countless e-mails with all the information they ask for to fix the issue. Each time Loan Care assuring me or us that they have the information they need to handle the problem and assured me it would be fixed. It is now unbelievably XX/XX/XXXX and it is still not handled. I have never missed a payment on anything in my life. This was my first scheduled payment with them once they got my mortgage from XXXX and obviously they didn't handle the switch correctly as every payment after was made the same exact way and they received it just fine. I am at my wits end with this company as they are unable to fix the problem and essentially stole my money. I have even had managers PROMISE me they would call me themselves at a specified date and time multiple times and they never got back to me.
Consumer complaint received 2019-08-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX XX/XX/2019 XXXX : Navy Federal Credit Union ( NFCU ) XXXX. Box XXXX XXXX, VA XXXX XXXX Subj : Reimbursement of Escrow, Real Estate Taxes On XXXX, my previous, secondary Insurance Carrier did not re-new my XXXX XXXX Insurance Policy ; because, it has a conflict with a Florida Stature : or, it believes that my primary, XXXX XXXX. coverage is not a true XXXX Insurance Policy, which it is, indeed. So, such Ins. Carrier sent NFCU a copy of its Cancellation Letter of my real estate property. Consequently -- if not, subsequently, on XXXX, NFCU placed a " Forced Insurance Policy '' from XXXX in the amount of {$1600.00}, on my property. It did so, too, presuming, or even assuming, so very erroneously, that I did not have Continuous Coverage on my property. When, in fact, about a month or so right before XXXX, I sought as well obtained Continuous Coverage with a brand new Ins. Carrier concerning my property ; which is so evidenced right by my submitted/uploaded, XXXX-page Insurance Declaration Page/s. 

It has been so grossly inappropriate for NFCU to have placed a " Forced Ins. Policy '' upon my property -- not, even, having the mere decency or good sense to inform me of such .... Had it done so, it would have seen/known that such was Wrong -- if not, so very unnecessary. 

Being such, I request -- or, so demand -- NOW, that my {$100.00}, for my real estate taxes -- or, PAST escrow, be so reimbursed via my NFCU Savings Account. Since, I satisfied ( or just paid off ) such real estate mortgage, on XXXX, or XXXX weeks ago. Plus, my having had super solid proof of Continuous Homeowner 's Ins. Coverage .... 

Good Day.
Consumer complaint received 2019-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (RI)

XXXX is typical of the type of people these businesss hire sadly there has to be someone to fit these roles!!! This is a law firm who buys debt and then collects on it - its predatory, human-less and greedy!! Not sure what else they may do there but any one seeking legal advice stay away!! There are plenty of other attorneys out there that have no part in these practices ... they garnished my pay for a debt from 2008!!! Was told you paid it then stopped why???! What??? I dont remember obviously life happened! I have divorced and remarried since then seriously!!! I asked to settle the debt in full that day for a fair portion of the remaining balance -even though i had no recollection of this and I must have thought it was paid obviously so long ago who knows!!! I was denied the request!! I will also be going out to the XXXX XXXX XXXX and The Consumer Financial Protection Bureau etc ... Debt was for {$810.00} he garnished my pay {$200.00} - leaving {$610.00} remaining!! I was not served or received any notification of this supposed debt which is very very old!!! XXXX eluded to adding more money to be collected from this supposed court ordered garnishment! How is that even possible?!!! He works under an attorney supposedly but the garnishment came through as XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Equifax locked my account on or about XX/XX/2019. For one week I was not able to access my credit report through the Equifax consumer plan subscription. I contacted Equifax and they advised that I needed to send information to recover my credit file. I faxed the information and waited for one week. I contacted Equifax and they would not confirm if they received the fax or not. So I faxed the information again. After calling them again they advised that I would receive something in the mail in about thirty days. I have yet to receive any information from Equifax via the mail. During the same time frame, I've requested on two occasions for a copy of my credit report to be mailed to me, I have yet to receive the reports. I now have access to my credit report through my Equifax subscription however the information is not accurate. They have added files that were previously removed and that do not belong to me and they have deleted about ninety-five percent of my accounts. I have been without my credit report for over thirty days. This is unacceptable! Please find attached a copy of a credit report prior to the Equifax destroying my file and a credit report after I sent the information to recover my file. This type of behavior has been consistent with Equifax over the last five or so years with my file.