davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX {$380.00} 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 CMRE FINANCIAL SERVICES  Reported : XXXX XXXX, XXXX {$380.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

While working abroad for meany years, I was unable to use my Capital One Visa, since I was mostly using foreign currency. I also used my other credit cards. My Capital One Account was in good standing. Capital One sent a letter to my U.S. address saying my account would be closed on XXXX XXXX XXXX due to dormant status. My parents had been traveling, and didn't receive the letter until after they returned in late XXXX, and notified me of it. I called Capital One on XX/XX/, saying I didn't wish to have my account closed, as I have almost XXXX reward miles on the card. Capital One said they can not re-open my account. I asked to at least allow me to redeem my miles, because I have had that account for almost 20 years, accumulating all those miles. They refused.
Consumer complaint received 2023-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CO)

I am still having issues with this mortgage loan servicer asking for more information for loan modification application. I been compliant now they are asking for additional bank history which already been supplied. And as of today XXXX.2023 the loan servicer is confused on my bank account number.
Consumer complaint received 2023-03-06
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: WELLS FARGO & COMPANY (CA)

In the month of XX/XX/2023 Wells Fargo reported a 30 day late on my account. When I talked to Wells Fargo the gentleman told me that I was ok when I made the payment and as I noticed the payment got reported late recently. This is a very frustrated situation as I was told that it would not be reported as late.
Consumer complaint received 2023-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (CA)

A couple of weeks ago a woman who did not provide me her name handed me paperwork from this company that had legal documents from XXXX XXXX California. I waited a couplt days later for the actual documents some they have to send them through mail as well. Im not sure how this woman got the address since that is not my mailing address. I believe that this woman either hacked my email or had a copy of my social security number. Through a third part that o used and provided them with my personal account information for apartment I was trying to rent.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Investors bank was taken over by citizens bank My direct desposits pay was cancelled See attached Your bank has re-routed the direct deposit as a courtesy however ; please keep in mind your direct deposit set up is currently cancelled. We'll need you to fax or email a voided personal check with the updated routing number. If you do not have a personal check with the updated information, please have a bank representative provide you a typed letter ( on bank letter head ) or bank direct deposit form which should include your name, routing & account numbers, and type of account ( checking or savings ). 
We require supporting documentation from you before updating your direct deposit information. 
A secure link will follow for you to attach the information I contacted citizens because they never provided checks they never provided any if the things needed to keep the direct deposits payroll working The representives that answered the phones ( hang up me ) say I dont need this documentation that it should just go thew. That no one besides me is having this issue. 
As you can see they were given three options. 
I ordered checks but they are going to take time to get to me. 
I was told that they will nit supply a letter I was told that they will send a deposit slip but that it would be put in regular mail which is bulked shipped out after it is weight They do not care if I get my money These banking institutions should be held liable for the fraud they committe on the customers Also there log into yo the account doesnt even use special characters only=numbervand letters This is so outdated and unsafe no one knows this information till after the bank takes over all the paper work we get says everything will transition over easy Nothing easy about these transactions Ive been threw at least 4 in the last couple years Im waiting for the regional manager to contact me but Ive been waiting over 5 hours. And of course no response. Im attaching a text chain that I have with the last regional manager XXXX. He was the regional manager Only supplied the first name no phone number after numerous times asking for a full name and phone number Ive been waiting for XXXX new regional manager XXXX
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP (FL)

Attempted an ATM withdraw at Valley National Bank, XXXX XXXX XXXX XXXX, XXXX, FL. ATM stated transaction complete, card was not returned, cash was not dispensed. Entered bank and requested card and verification that my account had not been debited. Bank employees were unhelpful and rude. ATM was being serviced but had not been turned off to use. Eventually gave my card back and verbally claimed the money had not been debited. I immediately checked my online account where it showed the money and the ATM service fee had been debited from my account at XXXX XXXX XXXX. Bank employees kept repeating You are not our customer, we can not help you. Have begun dispute process with my bank.
Consumer complaint received 2023-03-01
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. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-01
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. (KS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts listed on our credit report that we believe are in violation of various laws and regulations, including FCRA, FDCPA, FACT ACT, TILA, RESPA, ECOA, and FCBA : XXXX. XXXX XXXX XXXX XXXX XXXX Account 2. XXXX XXXX XXXX XXXX Account 3. XXXX XXXX XXXX XXXX XXXX Account 4. XXXX XXXX XXXX XXXX XXXX XXXX Account 5. XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Account We dispute these accounts on the following grounds : 1. Violation of FCRA : We believe that the information reported on our credit report is inaccurate, incomplete, and outdated. We request that the information be verified and updated with accurate information. Failure to do so is a violation of FCRA. 

2. Violation of FDCPA : We believe that the creditor/collection agency has engaged in harassing and abusive practices in their attempts to collect on these debts. This is a violation of FDCPA. 

3. Violation of FACT ACT : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under FACT ACT. This is a violation of FACT ACT. 

4. Violation of TILA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under TILA. This is a violation of TILA. 

5. Violation of RESPA : We believe that the creditor/collection agency failed to provide us with the required notices and disclosures under RESPA. This is a violation of RESPA. 

6. Violation of ECOA : We believe that the creditor/collection agency has engaged in discriminatory practices in their attempts to collect on these debts. This is a violation of ECOA.

7. Violation of FCBA : We believe that the creditor/collection agency failed to comply with the requirements under FCBA. This is a violation of FCBA. 

We request that the information be investigated and verified in accordance with the laws and regulations listed above. We also request that any inaccuracies be corrected and updated accordingly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-01
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. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

Hello, I am a concerned XXXX  's and other lending institutions that purchase conventional mortgages on the secondary market such as PennyMac, XXXX XXXX and XXXX XXXX are imposing loan level price adjustments that are very discriminatory and impart greater costs to lower income households purchasing lower cost homes. These loan level adjustments while holding credit scores, down payment amount and debt to income ratio as static components of the application are ultimately charging a borrower who is getting a lower loan amount a much higher interest rate than if they are getting a higher loan amount. I've run the analysis through multiple lenders, both correspondent, wholesale and broker based and this strategy is costing a borrower over 0.5 % more in the mortgage interest rate. This should be illegal and addressed if a verified and authentic algorithm is not being applied to justify this difference in rate. 

Why is the interest rate higher for a lower loan amount for one borrower if the credit score is XXXX, the debt to income ratio is the same and the down payment is the same? This is not equity in housing and violates TILA & Reg Z. As consumers become aware of this and that they are paying more in interest for no other reason than they borrowed {$120000.00} rather than {$200000.00} it will cause some major issues in regards to equality in mortgage lending and truth in lending. 

I hope the CFPB is taking more actions to investigate these loan level adjustments that are NOT being applied in an equitable manner. This undermines the integrity of the mortgage industry and mortgage professionals who are working to provide their clients with transparent, clear and equitable loan products.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (MO)

My Discover Bank account was closed and I need to get my money back. Someone from the bank called my wifes phone which was not attached to this account. Told her their was suppicious activity on the account. She said she had no Discover account. Needless to say Discover closed my account under suspicion of fraud. I called and they keep telling me I can not get the money back. The State has to get the money for me.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE (NM)

I made a transfer of {$1500.00} from my credit card with a limit of XXXX, received the money in my checking account. They then transferred {$1600.00} from where I don't know I was over limit at that point. They said they sent me a new credit card I have no new activated credit card I don't know where the money went from this transfer but they are charging me for it ruining my credit and wanting me to pay back {$1600.00} I never received. They can not prove I received the money, I can prove the {$1500.00} original into my checking account and will certainly be paying that back. I did not receive another {$1600.00}, and will not pay that back. I want this account fixed and my over limit repaired so my credit rating is not ruined by this fraud transaction.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-28
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)

XXXX XXXX XXXX Account Number XXXX I the victim of the fraud, am requesting that XXXX XXXX XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and XXXX am aware that this is subject to a {$1000.00} fine per violation in addition to punitive damages. 
XXXX demanding remedy for the following -Fair Debt Collections Practices Act 15 USC 1692g -Fair Debt Collections Practices Act 15 USC 1692e -Fair Debt Collections Practices Act 15 USC 1692f -Fair Debt Collections Practices Act 15 USC 1692k - FCRA Section 623 ( a ) ( 3 ) - FCRA Section 623 ( a ) ( 1 ) ( a ) ( b ) = {$6000.00} TIMES TWO for the reporting of both fraudulent accounts.
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

The website XXXX  offers XXXX  % interest option for payment. You are told to check out with Affirm and the option will be shown. I spoke with XXXX  and they said I should contact Affirm who is offering the financing. I spoke with Affirm and they said I should speak with XXXX. I completed my purchase and chose an 18 month term but at XXXX  % interest. I then contacted Affirm they said I was approved but that option was not available to me. 
This is misleading and fraudulent use of my credit information. No where does it say subject to credit qualification.
Consumer complaint received 2023-02-28
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. (HI)

I sent Certified mail letters. Experian is being lazy and not doing their job. Under the FCRA, the burden of proof lies on Experian, XXXX, XXXX you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call Experian, XXXX, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians, XXXX, XXXX CEOs as last resort before I Sue them all.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Dear Bureau, this credit dispute is being submitted as a new evidence dispute. This is not a duplicate. The below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I see on my Credit Report an account about which I dont know anything AT ALL. This is a fraudulent account. XXXX attaching to this letter a copy of the identity theft report proving that this account doesnt belong to me, Im also enclosing a copy of my Drivers License and SSN to verify. Please remove this account/ block this account : Name of the fraudulent account : XXXX XXXX XXXX  XXXX It was opened on : XX/XX/2022 Total Charges : {$540.00} This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon. Sincerely, XXXX.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

These inquiries are fraudulent and unverifiable. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Listed below are the inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX MO XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, CF XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.