davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ARVEST BANK GROUP, INC. (TX)

On XXXX XXXX, 2015 my attorney sent a letter ( XXXX, confirmation attached ) to Arvest Bank disputing the validity and terms of an negative entry they were reporting to all major credit bureaus. I have never done business with Arvest bank and have asked for verification from Arvest many times over the past year. This time I have paid for attorneys to get involved. I have repeatedly asked Arvest bank for 1 ) Copies of all written contacts and agreements of the parties ; 2 ) Anything signed by me, XXXX XXXX ; 3 ) Documentation of performance by Arvest Bank ; and 4 ) all business records of Arvest Bank, concerning the alleged debt. As of this date XXXX XXXX, 2015, I have never received ANY communication, nor validation of this fraudulent account from Arvest bank despite my documented and repeated requests. 

On XXXX XXXX, 2015 I sent a second request for validation letter to Arvest Bank ( XXXX confirmation attached ) again stating my original request from XX/XX/XXXX that has not been responded to for validation of this fraudulent account. I included copies of the original letter as well as copies of the signed delivery confirmation to their offices. Of course I have still not received ANY response from ARVEST bank. Not only has ARVEST bank refused to provide me with the evidence I lawfully requested in my previous letters, they have violated the FDCPA by continuing to report incorrect and unsubstantiated information on my personal credit report. This activity has been HIGHLY injurious to me. 

I am requesting IMMEDIATE retraction of all negative information posted by ARVEST bank on my personal credit reports that ARVEST bank is reporting to all major credit bureaus and to be forever removed from my credit record with all reporting agencies, as well as to have them send me a letter stating that this is account is closed in their offices and will not be sold, transferred, or in any other way be collected on again either by ARVEST or any other company. 

I am also going to pursue this issue with the FTC and the Texas Attorney General 's Office about ARVEST 's clear and continued violations of he FCRA and FDCPA.
Consumer complaint received 2015-11-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST (CA)

With great frustration, this is the third time I am writingregarding " the same issue. '' As of this writing, it has neverbeen corrected. 

The bank ( Bank of the West ) has always responded, butnever addressing the issue seeking resolution. Thus giving '' the appearance '' of complying, but never doing so. Never. 

The issue - the banks reporting of Late Payments to thecredit bureaus on the months of - XXXX 2015 & XX/XX/2015 ( attached ) As you can see, per the banks own payment ledger ( attached ), there was never a missed payment as they have reported to thecredit bureaus. Never. Yet for those two months, they havereported lates. 

Their errors have caused me great harm. 

Please do whatever is needed to hold the Bank of the Westaccountable. Their one sided, cavalier approach is un-acceptable. 

Thank you.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

Everything on my Credit Report is accurate except my score is not going up as it should be because I make all my instalment and revolving credit payments on time, just for example it went down XXXX points a couple of days ago for no reason. I suspect that it could possibly be some kind of identity theft involved because my score should be at least over XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of several accounts on my credit report that I do not recognize and have no knowledge of. The accounts in question are listed under the following names : XXXX XXXX Account Number XXXX XXXX  ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX I have thoroughly reviewed my credit report and can confirm that I have no recollection or record of opening or being associated with these accounts. Additionally, I have not received any prior communication, billing statements, or notifications from these entities that would indicate I owe any debt or have any financial obligation to them. 

Given that these accounts appear to be erroneous or potentially fraudulent, I am requesting an immediate investigation into their legitimacy. If these accounts are found to be reported in error or associated with identity theft, I kindly ask that they be removed from my credit report without delay. 

Please keep me informed of the progress and outcome of your investigation. I would appreciate it if you could provide me with any documentation or information you may have regarding these accounts to help resolve this issue as quickly as possible. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-01-18
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, after more than 1 year of requesting and re-requesting documentation, stated I did not qualify for a modification loan. The reason they stated was debt to income ratio, that I made to much. However, XXXX other banks stated my income was not enough to get a new loan. Therefore, how can Bank of America state I make to much income while all other banks state I do not make enough? This complaint is inline with the lawsuit file against Bank of America for paying cash bonuses to their loan officers for denying loans to qualified borrowers. 
( go to web site or read excerpt below ) XXXX. 

This is an excerpt from the law suit : " Bank of America routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure, according to affidavits filed last week in a Massachusetts lawsuit. " We were told to lie to customers, '' said XXXX XXXX, who worked in the bank 's loss mitigation department until XXXX 2012. " Site leaders regularly told us that the more we delayed the HAMP [ loan ] modification process, the more fees Bank of America would collect ... ... .... '' Bank of America has not offered me any other alternatives. There underwriting department is in disarray. I '' ve read XXXX other complaints online that back this up. 

My loan amount has now tripled. BofA appears to think little of your department as far as any threat to disallow them from any wrong doing.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This is the third complaint I have filed with you about this company, SLS L.L.C., or Special Loan Services, LLC. This company has so many complaints on the Consumer Services site and all are similar to the complaints I have had with them, including procrastinating on responding to customer complaints which puts extra late fees in SLS 's pockets, not reading correspondence and instead sending it back which also increases time and hence late fees, ignoring customer requests, ignoring California XXXX Laws, and it goes on and on. I have sent certified letters to the CEO and a vice president over two weeks ago and have received no action from the management or from the other people in the company. I have a mortgage, which I received due to a foreclosure and I paid over {$18000.00} wired in via XXXX XXXX to pay the arrears, which the XXXX original mortgage holders, XXXX and XXXX XXXX, accumulated because when they found out I was foreclosing on them, they stopped paying the mortgage to SLS. I contacted SLS and asked, after I faxed them my new trust deed to verify on the property at XXXX XXXX XXXX, XXXX, Ca. XXXX, XXXX XXXX no. XXXX many weeks ago. I also faxed the XXXX XXXX code that supports this action-and they still refuse to put my name or release to me any information on the loan. HOW CAN I PAY THE MORTGAGE ON XXXX, 2015 IF I DO N'T KNOW HOW MUCH IS DUE?? I also had my insurance co. fax info on my new insurance and SLS refuses to acknowledge it because they continue to tack on the cost of their insurance which is expensive. This company is totally money driven, without concern to their customers. Read the complaints filed against them-they all support this. 
All the supporting documentation is included in this email. I feel like no one is listening. 
Please get back to me asap so I can take over the mortgage on this property, handle it responsibly and take care of this business acquistion.
Consumer complaint received 2015-11-18
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: CREDIT ACCEPTANCE CORPORATION (LA)

XX/XX/XXXX, I co signed on a car. Later I had to file bankruptcy. Credit acceptance was still sending me letters while I was under bankruptcy. My bankruptcy was n't dismissed until XX/XX/XXXX. I stop working XX/XX/XXXX. I received a citation from the sheriff XX/XX/XXXX. I immediately called the number on the paper to let them know I was not working. I was told when I start working I could set up a payment arrangement. For three years I have been unemployed. I just started working two months ago. I called to set up a payment arrangement, I was told I was garnished and that 's it. I went to the court house they told me credit acceptance never sent me a court date to appear in court. They also lied and told the court I ignored the citation. I have my phone records to prove I called them right after the sheriff served the papers. The citation paper have XX/XX/XXXX for XXXX. The papers that were sent to my job says XX/XX/XXXX for XXXX.
Consumer complaint received 2024-09-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # starting in Ref : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in Ref : Ref : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (DE)

Discover Card announced the XXXX XXXX " promotion '' on XXXX XXXX 2015. The promotion promised " [ f ] rom XXXX XXXX, to the end of the year, cardmembers who pay with their Discover card using XXXX Pay will automatically earn an extra 10 % XXXX XXXX on up to {$10000.00} of in-store purchases. '' ( XXXX ) The details in their FAQ stated " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with Apple Pay now through XXXX/XXXX/15. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. " The " Cashback Bonus '' terms incorporated by reference are quite straightforward with few caveats and available at : XXXXThere were no additional terms or conditions specified in any public documentation for the offer. Discover confirmed via customer service channels that the promotion was valid for all in-store purchases and stacked with their existing " Double All Cash Back Your First Year '' promotion that promises all cashback bonuses doubled for 12 months ( with rewards posting in the XXXX or XXXX billing cycle ) making the total bonus XXXX %. 

On or around XXXX XXXX 2015, Discover unilaterally added a sentence to some ( but not all ) public-facing content about the promotion stating simply " Excludes gift cards. " I have made many purchases using my Discover card with XXXX XXXX, and received emails stating " We 're writing to let you know that your XXXX purchase on XXXX XXXX, 2015 for {$500.00} at XXXX XXXX 's, A XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion. '' and " If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. " Nowhere in the original terms of the offer were gift cards excluded, and after the terms were modified ( which does not seem correct ), they did not say anything about requiring " documentation '' proving anything. To add insult to injury the transactions highlighted in the emails did not contain gift cards. When I asked Discover to honor the terms of their promotion, they refused and stated that I must provide receipts or authorize the merchant to provide receipts to them. Their request would constitute an invasion of privacy and they are still not honoring the terms of their promotion.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2016-03-31
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Rose & Associates, LLC. (TN)

I was contacted by a Rose & Associates regarding a supposed old debt from a XXXX XXXX XXXX out of XXXX GA. They told me if I did not agree to pay {$300.00} in 10 days, that attorney fees would be garnished from our checking account. I made a {$50.00} payment over the phone. They called from a XXXX number but told me they were out of XXXX The number that called me was XXXX and the lady was XXXX. They also emailed me a confirmation. Something did not sound right so I googled and found many complaints, leading me to the suspicion that they were a scam and now they have my credit card info.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

Credit Reporting Agency fails to removed inaccurate account from my credit report. 

There is an account with XXXX XXXX XXXX which began reporting on XX/XX/XXXX, and have been reporting ever since to day. The problem is I was in a no assest based Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. This debt is from XX/XX/XXXX, and the Credit Reporting agency refuses to delete. 

This debt ca n't be assigned to XXXX XXXX system on XX/XX/XXXX if all debts were discharged on XX/XX/XXXX. Thus XXXX XXXX XXXX has no collection authority on a discharged debt nor can they be assigned an already discharged debt. 

I have disputed with both the credit reporting agency, and XXXX and they are refusing to delete.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have requested that all inquiries on my credit report be investigated as I have not applied for credit int he last 2 years, they refused to investigate and told me its just a record. These inquiries are hurting my credit score and I never gave authorization for anyone to request my credit. Furthermore I would like the inquiries deleted if they are not able to investigate this.
Consumer complaint received 2015-11-19
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Mid-Atlantic Consumer Services (TN)

Over the past few weeks I have received numerous calls from someone stating they were with the office of XXXX XXXX. They stated that they were calling to inform that there will be an investigation made on my current employment to include contacting my employer to have wages and employment information obtained. To prevent this action I would need to contact the office of XXXX XXXX at XXXX. 

I contacted the number to find out that the company was XXXX XXXX XXXX. After researching the company further I discovered that the group has had XXXX other numbers with an address at a XXXX in XXXX NY. The number that come up on the caller ID was a XXXX number XXXX. I attempted to ask who the debt was being paid to and was told it was the XXXX. I closed the account over 5 years ago because of false statements on the agreements and excessive fees. The account was removed from my credit report after I submitted the case to XXXX. Now some investor has purchased the debt and is attempting to scam me for over 300 % of the amount that was settled 3 years ago. 

There is another instance where this company has contacted a person stating if the item is not paid it will effect their ability to get a bank account or even obtain employment.
Consumer complaint received 2015-09-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation (CA)

A letter was sent via certified mail to Franklin Credit Management Corporation regarding an amount owed. This debt represents fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924, the Business and Professions Code Sections 17200 and Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts due are owed, and failing to provide supporting documents. as requested XXXX XXXX, 2015. A XXXX Certified Letter was sent on XXXX XXXX, specifically despite previous letters sent on XXXX XXXX. The XXXX representing Franklin Credit Management Corporation, failed to respond to said dispute letter and continues to illegally engage in harassment, fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924. et seq,, the Business and Professions Code Sections 17200, et seq., and the Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts are owed, and failing to provide documents. NO assistance was offered and not effort was made in compliance with California Civil Code Section 2923.5 ( e ) to contact the borrower to discuss the borrower 's financial situation and to explore options for the borrower to avoid foreclosure.