davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (AL)

I received a letter in XXXX from a company called Americollect. This letter stated that I had a collection from XXXX XXXX in the amount of {$100.00}. I am not sure if they got my account confused with someone elses but I did not or do not owe that business any money as I had paid my balance with them the last time I visited. I also know this because I had no insurance at the time and per their policy they make you pay the amount due before they will see you. At the time service is rendered. I reached out to Americollect via a letter which I will attach below and sent that certified mail well within the 30 days. In the letter they asked me to respond within 30 days and it says plus I quote if you request to this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor. The letter date on Americollect was XX/XX/21. In my letter I stated that I would like an itemized bill because the amount is unrecognizable as I have paid my account with Forefront. My certified mail green slip was sent back to me with no other letter attached and was by itself in the mailbox. It was signed off as a date of delivery being XX/XX/21. Well within the 30 days of me asking for them to provide me with information on this so called debt. I sent another letter to them and after several months I only got a single letter back from them with no proof of said debt and what this debt collection was a result of in this medical office. Americollect also reported this to the credit bureaus illegally since they did not respond to me with any valid evidence as I requested and this debt was also reported to the bureaus on XX/XX/21. Which was before I even received the very first letter from them and was also reported before my 30 days I had to respond to this letter. Id like to make this complaint in hopes of this f debt that I do not owe, to fall off. I did send in a dispute letter to all credit bureaus and they agreed with me and deleted the collection from my credit. All but one which was XXXX. I XXXX also like to add XXXX to this complaint as well as Americollect. I have not been supplied the demanded proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have attached a copy of all letters that I have sent to Americollect. Americollect did not indeed supply any proof like I have stated above. I have tried to contact XXXX several times with this issue showing that the attempt from collection was not verified as I have asked. When I have contacted XXXX they have opened my dispute several times and denied it each time. However with all other bureaus they have deleted this collection off of my credit.
Consumer complaint received 2020-06-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

XXXX is serviced by Midland Mortgage, i asked for a forebeareance under the CARES Act in late XXXX. sent them paper. the had no response but in process, then told me in XXXX that they turned it down on XXXX XXXX. they claim that XXXX is my Lender. according to public records the loan was sold and securitized, i believe by XXXX XXXX. i am now in default with a special servicer, they claim they are not a GSE and therefore no Cares act. 
the law says any involment with Govt. even with securitized is eligible for cares act forebearance. by my states mandates i cant pursue actions against tenants and cant even put demand letters .totally unfair that XXXX  , midland mortgage., owned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX pass through certificates facilitator thru XXXX XXXX all get Government Welfare and the consumer doesnt
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (TX)

Conn Credit Corporation was included in a Chapter XXXX converted to a Chapter XXXX Bankruptcy. There are 2 accounts reflecting on my credit file and had been removed and the account has now been placed back onto my credit file causing me undue hardships with COVID19. I have written to them numerous times that they are reporting incorrect information and they can not collect on accounts that have been included in a Chapter XXXX Bankruptcy. They have continuously contact me on my cell phone and at my employment when they have been informed numerous times to cease and desist.
Consumer complaint received 2020-06-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc (FL)

I have a VA Loan with Mid America Mortgage. I have a buyer that wants to assume the loan. All calls to Mid America Mortgage are transferred to XXXX. A call center in XXXX has all of my personal info for my VA Loan.  The call center would email me scam. This should be a crime. I have called Mid America Mortgage at least 10 times, I have emailed them. No response. They are clearly not able to do there jobs. Can you revoke there license.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-05
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$160000.00}.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I tried to connect my PNC account with my XXXX account and it won't connect. I tried contacting my bank but they said they could help me. I have several friends and relatives who also want to use that service with their PNC account and they are having issues too.
Consumer complaint received 2020-06-18
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. (CA)

TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA 809AB GUIDELINES, SHOW US!
Consumer complaint received 2020-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

Submitted a request on loan makers paperwork for working at non-profit. They acknowledge they have the paperwork, and after multiple submittals ( which they have received ), and a letter, no determination has been provided. 

I am at the end of my rope on this loan. They don't respond to paperwork, they play games with me on the phone. Please ask them to respond to my request. It is affecting my health and well being. 

XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I received i copy of credit reoport and found the following item to be " INACCURATE '' XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already sent disputes on these accounts and nothing was resolved. You have violated the United states code law 15 U.S.C 1681 a.1.a. Code 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-06-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

While I had full coverage insurance naming the bank as benefit, XXXX XXXX/Wachovia/WF put lender placed insurance on my home at three time the cost and paid themselves commissions. I was current with all payments, insurance and taxes when this happened. I asked how may people did they do this same scam to in XXXX County Florida and the bank never responded to the Judge 's order for discovery. The case was dismissed. I tendered a check of {$100000.00} through my attorney to reinstate the loan and was denied. I offered to buy my mortgage in 2010 and was denied. Wachovia wrote the loan off but refiled under Wells Fargo for a 2nd time and lost and paid attorney fees. Wells Fargo has now filed a 3rd time. I demand to know how many people in XXXX County Florida went through the same fraud by Wachovia/Wells Fargo
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I have a business account that I deposit my check beginning of every month. These checks are relatively large in sum, I have been doing this every month for almost 4 years my checks would clear within 24hrs and I would then pay my bills. On XX/XX/XXXX, due to my heavy patient load ( medical office ) I was not able to personally deposit my check I asked my wife to deposit it. Wells Fargo is holding my full funds until the XXXX due to LARGE AMOUNT. My practices bank has confirmed that WF has received the funds. I have reached WF on the phone several times spent precious time with no reasonable explanation. I cut my office short and personally went to the branch that the check was deposited : XXXX XXXX XXXX XXXX XXXX, Texas XXXX, to talk to staff or manager they have not only removed the hold on my funds but can not give me a reasonable explanation as why, as why this time my check was withheld. One WF employ over the phone told my that the fund is too large. This check was comparable if not lower in amount as compared to my previous deposits. The unprofessional, unnecessary act of Wells Fargo Bank has now caused me valuable time away from my practice my patients it has caused my mortgage and bills to be late and it is effecting my credit score, simply due to their negligence.
Consumer complaint received 2021-11-20
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: Nelnet, Inc. (AL)

XXXX XXXX Account : XXXX ( Nelnet ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and XXXX you are still committing FRAUD by using my personal information and sharing it with XXXX parties ( XXXX, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to XXXX XXXX XXXX you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to XXXX XXXX XXXX, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all student loans accounts from all XXXX credit reporting agencies immediately. I will also be sending a letter to the XXXX for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )
Consumer complaint received 2020-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Home Loan Center, Inc. (IL)

Someone posing as an agent of Lending Tree told me I was approved for a {$500.00} payday loan I applied for. OnXXXX XXXX, they called my bank pretending to be me and made a fraudulent claim about an ATM deposit not being credited. The bank issued a temporary credit in the amount of {$1300.00}. The lender said to XXXX XXXX  them {$830.00} and the remaining {$500.00} was my loan amount. They said it would boost my credit score.  I did it. I just saw the credit in my account, the agent went over terms with me, I thought it too be legit. Now my bank account is overdrawn {$1300.00}, and they have closed all my accounts. The agent wont answer my calls
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NJ)

I received a letter in the mail from Citibank stating that I had applied for a credit card, which I did not. Further, I received an alert from XXXX that " CBNA '' had pulled my credit report, which I am assuming was due to the same fraud. This is obviously fraudulent and identity theft. I contacted XXXX and they require a report to remove the inquiry. I also contacted Citibank  and submitted the fraud.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I have a savings account with U.S. Bank that has not received an interest payment since XX/XX/2022. I have called to have this corrected, and I keep getting the same response " It will be credited this month ''. This has not occurred, and no one seems to care because it is a smaller dollar account.
Consumer complaint received 2018-12-13
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: EQUIFAX, INC. (AZ)

I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX XXXX, the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX