davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

Early  XXXX   XXXX ,  2016, I rec eived a letter from my mortgage company, Everbank, stating that our condominium association 's flood insurance was deficient and that I needed to increase it by {$28000.00} in order to be in compliance. After a few hours worth of phone conversations with the bank later, I was able to find out that although FEMA only requires flood insurance coverage for 80 % of the valuation of the building, and even though my current coverage was/is at 100 % of the valuation that our current flood insurance company is placing on the building, {$860000.00}, they are demanding 100 % based on a higher valuation, {$980000.00}, from a different type of insurance ( i.e., hazard insurance ) that we currently own. On  X/X/2016   , I sent a letter  (  attached ) requesting from the mortgage company documentation ( statuary or contractual ) that justifies their demand but all I have received is documentation that states that per FEMA, we need to have flood insurance ( which, as stated earlier, we already do ... at 100 % coverage ) and some calculation worksheet ( neither addressed the request for justification in demanding a valuation different from the flood insurance carrier 's ). This was followed by a force-placement of flood insurance of their choosing covering the alleged gap.   In parallel to this, I have been trying to get a quote from various insurance companies but have not been able to.  One of t hose insurance companies is our current building flood insurance carrier. The challenge there has been that  our current carrier is requirin g justification for the increased valuation as well. As I stated earlier, I have requested this justification from the mo rtgage carrier but in lieu  of that, I have been force-placed a flood insurance of their choosing. On  X/XX/2016   , one day after receiving notice of the bank 's disappointing decision to force-place coverage above and beyond 100 % without even acknowledging my request for justification, I have followed up with another call to request the justification required by my flood insurance carrier. They have advised me to call back in 15 days with no promise that they will have the required documentation then.     This is a very difficult situation because : a ) I do n't see the justification for this increased coverage when the *flood* insurance company is actually valuing our home at the amount that we currently have 100 % coverage.    b ) Said ju stification is actually required by our flood insurance company to even provide a quote much less coverage for the alleged deficiency.   c ) I live on the   XXXX   floor of a  XXXX  -story bui lding. Even if the flood waters reached the top of my building, the 80 % that FEMA requires would more that suffice for replacement costs. However, we are above and beyond that at 100 % of the current valuation. But the mortgage company is not satisfied with that and have effectively put a very tough, unexpected ( at the time of loan-signing ) financial burden on me.
Consumer complaint received 2017-05-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

On  XXXX   XXXX  I contacted  two  mortgage companies to refinance my current loan to get a lower rate.  Fifth Third, who is my current company, and another I found on the internet. I thought my current company woul d be a quicker and easier company to deal with.  XXXX   XXXX  told me their closing costs would be less than a new company because I would not need an appraisal etc. My balance due is approx. {$190000.00} and my home is valued in excess of {$850000.00}.  Fifth Third has a copy of my tax assessment showing the value of my home and of course  there is an appraisal on file from the initial loan process. I have not missed payments, my credit is good and I have funds to make monthly payments.   Weeks would pass with no contact fro m Fifth Third rega rding the status of my loan. A list of required documents was mailed to me. I immediately sent the info. Calls went unanswered. I attempted to contact the  manager but he w as not available. Finally a processor,  XXXX   XXXX  contacted me and asked for the same previously requested documents. I sent them again. Then more and more requests for documents came by mail or email. I mailed each requested documment. Some seemed out of line but I did send them. I called  XXXX  and  XXXX  to get status and rarely got through on the phone. I was told around  XXXX   XXXX  all of the documents were received and the loan should go to closing within a few days. Then a few days later I was told I need an appraisal. After the conversation with  XXXX ,  XXXX  said he would speak to the underwriter and I would not need an appraisal. My emails went unanswered. On  XXXX   XXXX  I was told I do need an appraisal.   Finally on  XXXX   XXXX  during the conversation with  XXXX  I told them I do not want to continue to do business with them as they do not seem to be interested in lowering my rate and refinancing.     I am very upset at the runaround I got fro  m Fifth Third and lack of communication. After 82 days they were still asking for documents with no indication of a closing date.
Their unprofessional way of dealing with customers should be noted. I will now start all over again with a reputable company to refinance and be rid of Fifth Third.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses. I can not receive mail or any correspondence nor do I have access to any other address. Please delete outdated addresses and update the addresses with the ones above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed : Copy of State ID and Utility bill showing proof of address
Consumer complaint received 2017-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT :  XXXX   XXXX   XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 AARGON AGENCY INC 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  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have filed a dispute with Transunion several times I have with through this Bureau of Consumer serveral times as well. Im at my wits in. I have disputed items on my credit report with Transunion I have had fraud alerts placed on my account it has been past 30-45 days since my dispute and yet nothing has been communicated back to me and according to the fair trade act it should be removed along with the XXXX hard inquires that are report from XX/XX/XXXX-XX/XX/XXXX. Please handle and resolve this once again
Consumer complaint received 2017-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

In XX/XX/XXXX I pulled a copy of my credit report and discovered that Midland funding was showing that I owed them {$840.00} after investigating my reports I found that they were a collection company and that they alleged I had a dept. with XXXX XXXX. 

I sent Midland Funding several letters asking for them to send me verification of this debt such as a contract I signed with Midland funding or any other documentation bearing my signature, Showing that I owed any debt. 

I sent them a letter dated XX/XX/XXXX, they signed for it on XX/XX/XXXX, They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill. ( I have attached all correspondence this complaint to the complaint. ) I sent them letter # 2 onXX/XX/XXXX They signed for it on XX/XX/XXXX, again they just sent me a response that just says that they confirmed the information is correct. and no proof of the debt or that I would owe midland funding anything. 
I sent letter # 3 dated on XX/XX/XXXX It was signed for on XX/XX/XXXX - They never sent a response back, they have ignored all my request for verification. 

Furthermore they failed to mark my Credit Reports as being Disputed within the 30 days from when they signed for the first letter I sent. They have never marked any of my credit reports as being disputed. I, in-fact contacted the credit bureaus and had them add a dispute statement to Midland Funding.
I have also been getting contacted by people in my area that Midland Funding is calling them  looking for me. One of them is my Niece who was quite confused because they told her a last name that I never had, they gave her an address she lives at that I have never lived at and told her how much the debt was and accused her of lying and told her they knew she was me on the phone, they threatened her and told her they were going to take her to court and sue her. They had her very scared, so she contacted me, she also stated that they have been calling her number several times a day. 
This account is not mine, I contacted the Original Alleged Creditor via the information that Midland funding provided and they stated that I DO NOT OWE them anything. I DO NOT have any contract with Midland Funding and Midland funding has not been able to provide any " Verification '' that I even ever owed this debt nor that I owe Midland funding anything.
I Would like this problem to be taken care of. I feel that I have done everything I can by sending Midland funding request for verification and I feel like they have had more than enough time to comply. They have violated several laws. This is not my debt and they have failed to provide any proof of the debt, I do not have any contract with them where I own them any money, They are reporting on my credit reports and they are calling and threatening people who are not involved in any of this.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Received letter out of the blue. Years ago, advise not to pa y one cen t. Now, at least 20 years later, a letter. Need advise Thank you
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

I tried to ask Wells Fargo if they could please help me investigate a scam issue that occurred to my account, but they refused to help with any issue as I 'm not a customer. I am a customer with XXXX XXXX XXXX that refuses to help me as well as I think it is the bank 's responsibility to help me recover the lost funds in my account and track down the scammers of the bad check. I should n't be held accountable for XXXX XXXX XXXX processing the bad check and allowing me to withdrawal the large amount from the processed check and depositing it into a Wells Fargo account as I was instructed to. Neither banks are trying to help me recover the funds nor catch the scammers. The local authorities are n't able to do much if the bank does n't cooperate. I believe it should be the bank 's responsibility to catch a bad check in a timely manner and help their customers in every way possible to prevent this from happening to other people.
Consumer complaint received 2017-09-05
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. (NY)

EXPERIAN Refused To Removed 2 Accounts From XXXX XXXX XXXX That on my credit report that should not be there. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report. 





XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Past due 180 days Status Updated XX/XX/XXXX Balance {$5100.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$690.00} High Balance {$5100.00} Monthly Payment {$100.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Now redeemed, was a repossession Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$570.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$39000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER
Consumer complaint received 2017-05-23
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. (CA)

My  XXXX   XXXX  Account that was  " In Good St anding '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed.    XXXX   XXXX  Credit Card Account #  XXXX  ... Date Opened :  XXXX   XXXX  First Reported :  XXXX   XXXX  Credit Limit : {$7700.00} Payment History : starting  XXXX   XXXX  - current I have contacted  XXXX   XXXX  customer service dept. and also th e Fraud Dept. an d both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by  XXXX   XXXX  to all  XXXX  bureaus to prove this fact.   I recently filed an Identity Theft report that included  XXXX  unrelated  XXXX   XXXX  accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the fi rst 4  digits are the same "  XXXX  ''.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX    -   XXXX   XXXX   XXXX   XXXX   -   XXXX
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following inquiries were removed from my transunion report but reinserted without any notification to me. 
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 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

a bank of america card was open in my name recently that was not done by me. 
i reported to credit burea and also the company itself. i was told it would be closed XXXX says it will remain beccause the investigation shows it is accurate. i did not open a bank of america card this is not my card.. 

do they need to share why they beleive it was opened by me? 

I want this card removed from my credit it is fraudlent and not of my doing
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (IL)

Hi, I was a telephone subscriber through XXXX XXXX with the account number ( Account : XXXX ). On XX/XX/XXXX, I cancelled my account ( single phone only with one number ) with XXXX XXXX after ensuring that all balances were fully paid and that any remaining equipment as per the terms of my existing lease was returned. I ported my number to XXXX XXXX and have used that service to this day.
In XX/XX/XXXX, I received a letter from XXXX XXXX letting me know that I owe them {$240.00}. Upon contacting customer service I was informed someone reactivated my account on XXXX XXXX and obtained a phone.I did not authorize this and had no knowledge of this action as I had already ported onto another service and no longer even had a XXXX XXXX online account to even confirm these findings. To stop any further transactions as a result of financial identity theft I immediately asked for the account to be re-closed and asked XXXX XXXX to start a fraud investigation. Upon their request, I also filed a report with XXXX Police documenting the theft of my financial identity ( REPORT NUMBER : XXXX ) XXXX XXXX then claimed that they believe someone who was previously on my account before its closing may be responsible and demanded that I produce a police report naming them to let this fraud be not deemed my responsibility. I contacted XXXX police and they informed me that since for me to file a specific complaint such as demanded by XXXX XXXX, I would need to know where the fraud happened and when. Despite numerous calls to XXXX XXXX to resolve this matter they have refused to give me this information and then subsequently passed the account which has ballooned to over {$800.00} now onto a collections agency called Receivables Performance Management.
I contacted them too to give them the information in XX/XX/XXXX I have detailed above, but was recently surprised to see that they have reported negative information to two different credit bureaus - XXXX and XXXX at this time and a loss of XXXX points on my XXXX XXXX. I am opening disputes with both of them to address this issue.
I am requesting that this debt be cleared from my name as I have not authorized it in any fashion and have been a victim of financial identity theft. I am happy to work with XXXX XXXX or the collection agency to file additional reports if needed but request a path to ensuring my financial record is not damaged due to no fault of mine. Thank you.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

You have reported wrong information in my report "  XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''  XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''
Consumer complaint received 2017-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

On  XXXX , I made an express bill payment at  XXXX  through  MoneyGram. The   payment amount is {$2400.00}, fee is {$8.00} and total is {$2500.00}, Biller Name is '  XXXX   XXXX   XXXX   XXXX   '. The payment is never posted. On  XXXX , I called  MoneyGram and   was told by customer service that no transaction was found. On  XXXX , I went to the   XXXX    store and was asked to call  MoneyGram about this transaction ; I called and this time I was told that MoneyGram is holding the money due to lack of payment information. I confirmed with them the payment account number and was told by the customer service representative that the payment was sent and would talk up to 3 business days. But to date ( after 6 days ), I s till have not seen the payment posted to my account.