davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Ive been disputing inaccurate information on XXXX for a while and they keep updating information every time I provide information. Which is total opposite of my providing information. Im providing it telling them their information is incorrect to get the account deleted not for them to keep trying to use my information to verify. I also did not give the company consent to share my personal information with any third parties. I couldnt have because the account isnt mine. My information was on the dark web back in XXXX. This company is not following consumer laws. They did not and still does not have my correct information. Ive told them to show me verifiable information. I was sent a discloser and it has an address that Ive never lived and a number that Ive never had. This has been going on for a long time and I demand that they delete/ permanently remove the account off my consumer report for having inaccurate and unverifiable information. And I also emailed XXXX and never got a response. 

Under the FCRA, you are required to ensure the accuracy and completeness of the information in my credit report. The continued presence of incorrect or unverifiable information, as well as the inadequate resolution of my disputes, constitutes a violation of these requirements. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 

**Lack of Consent** : According to consumer protection laws, no information should be reported on my credit report or shared with third parties without my consent. The presence of such information on my credit report, especially if it was included without my approval, is contrary to these legal requirements. 

**Unauthorized Disclosure** : There is evidence suggesting that my personal information has been shared with or sold to lenders or other entities without my permission. This is a violation of my privacy rights under the FCRA, which requires that my information be handled with my explicit consent.
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Since XXXX I have deposited more than 5 checks already in my bank from my job, They do not offer direct deposit. Ever since i started depositing the checks they continually enforce a 7 day hold, and time and time again im told the amount would reduce after the 2nd deposit but it does not. It is not right to hold somebody 's paycheck for over {$1000.00} and not even offer me a dollar from my own check for a whole 7 days. PEOPLE HAVE BILLS TO PAY!
Consumer complaint received 2018-01-19
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. (WI)

Experian has this listed as a Chapter XXXX bankruptcy- IT WAS NOT. Prior complaints stated that Experian verified this with the court system. I want to see this verification or I will pursue legal action. I am attaching a case summary FROM the COURTS system that proves this is NOT a chapter XXXX bankruptcy as you are reporting this. 

This is my final attempt before I pursue further lawsuit action.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (VA)

Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need help
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOBXX/XX/XXXXSOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT 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 XXXX XXXX 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 XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX 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 DOBXX/XX/XXXXSOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC (MS)

Exchange Collections Department claims that Transworld Systems Inc has a debt in which it was stated that I owed over {$9000.00}. That is totally impossible. Today I received a statement and the company was unable to pull up an account in my name or by the account number I provided. Something is going on that is not legal. I pay $ XXXXmonth as agreed when I found out about this, but this statement also states, If your debt is submitted to the TOP by either XXXX or the US Treasury ... then you may not receive another notice after this one before funds due you from the federal government are offset under TOP. I called these agencies today to inquire about this since I am making payments as I agreed that I would. I do not have anything to offset from the government, plus the balance changed by over {$6000.00} since I spoke to Transworld. Yet they are unable to find an account in my name. XXXX is the last person I spoke to. I dont know who this company is or what kind of scam they are pulling, but this is unacceptable.
Consumer complaint received 2018-01-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

case XXXX still an issue and lender not taking payment. I never mention to stop automatic payment. just changed account to draft for auto payment. if they stopped it, they need to fix. the payment is late yet again and the lender 's poor process is affecting me as a consumer affecting
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need help
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (ID)

Monterey Financial Services aka XXXX XXXX is reporting that I owe them 2 different amounts on my credit reports ; one in the amount of {$2200.00} that they stated was closed on XX/XX/XXXX, and one for {$4100.00} they state was closed on XX/XX/XXXX. 

The payments I made from my XXXX Account are as follows : XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$600.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$120.00} XXXX XXXX XXXX CA XX/XX/XXXX {$92.00} XXXX XXXX XXXX CA XXXX {$100.00} XXXX XXXX XXXX CAXX/XX/XXXX {$170.00} XXXX XXXX XXXX CA XXXX {$83.00} XXXX XXXX XXXX CA XXXX XXXX did not inform me they had closed my account and opened another account. When I talked to them in XX/XX/XXXXI explained my situation. They told me I could make a balloon payment which is what I did on XX/XX/XXXX. 

Additionally, XXXX XXXX stated in my credit reports that my account ( which I never opened ) for {$4100.00} was closed on XX/XX/XXXX. XXXX XXXX called me today ( XX/XX/XXXX ) and told me they needed a payment of {$4100.00} today or they were taking legal action. When I explained to the CSR that I had filed a complaint and would copy her on the complaint, she told me that she was notating in my account that I refused to provide her with information.
Consumer complaint received 2024-10-04
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. (SC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2018-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (WA)

I contacted XXXX XXXX XXXX  via mail in reference to an account I saw listed on my credit report however I never received a response after several attempts. It also seems that the original account XXXX XXXX is still reporting. I have not received any letters from these creditors or a response from them regarding these accounts.
Consumer complaint received 2018-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

We had a modification agreement in place. We were hit by hurricane Irma. We requested a forbearance for 90 days. XXXX XXXX allowed us to make one payment before blocking our account. We we told to fax a document to them stating were not in litigation, we did. We qlso spoke with their attorneys XXXX XXXX XXXX in XX/XX/XXXX. He called XXXX XXXX and confirmed we were not in litigation. Rushmore refused to unblock our account. We received paper work on XX/XX/XXXX to resubmit modfication paperwork. I called today to let them know we were gathering the documents together and they would be faxed Monday XX/XX/XXXX. They advised we are back in litigation and have added {$6000.00}. To our already overcharged account. XXXX XXXX sold the bad debt while we were in bankruptcy proceedings, illegally. XXXX XXXX sent us a statement that XXXX XXXX had overcharged oyr account by {$3000.00}. Rushmore never corrected the account. They have charged us three times for attorneys fees, over {$15000.00}. We have not been in litigation ever with Rushmore. We qualified for the modification.
Consumer complaint received 2018-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in XXXX. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX  XXXX XXXX did not exists after XXXX. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXX is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.
Consumer complaint received 2018-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit acceptance is saying I owe them {$6300.00} for a vehicle in XX/XX/XXXX that was turned in the the car lot it was purchased from XX/XX/XXXX we finance auto sales. Two week later we finance auto sales closed down and the vehicles that were there vanished. No one knows where the company took the vehicles. I wish I knew so I could sue them for having to owe for something they have
Consumer complaint received 2018-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX XXXX. This is not possible because XXXX XXXX XXXX went out of business back in XX/XX/XXXX. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX XXXX as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX XXXX was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX XXXX had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after XX/XX/XXXX. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXX is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, which was recorded in XX/XX/XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

First Citizen 's Bank in XXXX, NC. We opened a new checking account with this bank in XX/XX/XXXX. The bank was very inconsistent with its check cashing policies and this caused many inconsistencies with funds available for purchases. I called the bank in XX/XX/XXXX to ask them questions regarding the posting of funds available and the balance amount, check deposits. I told the representative with all the confusion and inconsistency and change in balance and fund availability that I wanted the bank to stop paying checks and authorizing purchases when the funds are not available. The representative told me she would change the account to a no overdraft coverage status. She told me no charges would come through unless the funds were available to pay for them. 

They lied. They continued charging over draft fees. I called again and asked to place the account on no over draft,, again they told they would. I told them I had called in XX/XX/XXXX with the same request. The representative told me they could pull up the phone conversation. They said they would research and verify the request, ( now there were two on file ). They told me they could not find them. 

We have hundreds of dollars in over draft fees. The bank ignored my requests to stop paying for items without the coverage in the account, moreover the balance showed many times the funds were available and still we would get over draft fees. 

We have never had an experience like this with a banking institution. I know they have those recorded conversations with my requests to stop over draft payments. And they intentionally ignored my requests in order to generate fees from our account.
Consumer complaint received 2018-01-19
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: SYNCHRONY FINANCIAL (MS)

After reviewing my credit report I noticed an inquiry on there being reported by XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I did not apply for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.