davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
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)

The scope and nature of this complaint regards the negligence ( willful or otherwise ) of Equifax not deleting two public records on my Equifax credit report : A XXXX Ch. 7 bankruptcy and a released and satisfied Federal tax lien judgement. Following proper dispute procedures with Equifax for several years now, ultimately culminating in a small claims judgement against Equifax that resulted in a default judgement against Equifax for non-compliance with the courts by not providing signature proof of both records, Equifax eventually paid its fine to me as the Plaintiff through its Litigation Department, yet never deleted the public records per the judgement and court case against it. The following is a bulleted timeline of disputes : -- First dispute of bankruptcy record,XX/XX/XXXX ( online, requested verification ) -- Equifax responded within 30 days,XX/XX/XXXX( reported " record is verified '' ) -- Second dispute of bankruptcy record,XX/XX/XXXX( Certified letter requesting validation ) -- Equifax responded within 30 days,XX/XX/XXXX ( reported " record remains on report '' ) -- CFPB complaint filed,XX/XX/XXXX, regarding Equifax refusal to comply with requests to provide signature proof validation and verification per laws within the FRCA -- CFPB returned response from Equifax, XX/XX/XXXX, reiterated that both records had already been verified previously and were " accurately reported by Equifax in accordance with the fair credit reporting act. '' However, Equifax never provided the CFPB nor myself any signature validation and verification proof of these records. -- Warning letter sent to Equifax regarding possible legal action in small claims if it does not provide signature validation proof of records, XX/XX/XXXX ( Certified letter ) -- Small claims action filed against Equifax and its statutory agent in local court, XX/XX/XXXX, regarding refusal to delete bankruptcy record and a Federal released tax lien record -- Failed to provide courts evidence of proof of validation and verification of both records, XX/XX/XXXX -- Affidavit for judgement against Equifax as a Defendant filed with courts, XX/XX/XXXX, for {$1700.00} -- Judgement for Plaintiff awarded,XX/XX/XXXX -- Demand letter to settle the judgment and remove records from credit report sent to Equifax Ceo and its Statutory Agent, XX/XX/XXXX ( Certified Letter ) -- Equifax Litigation Department settles its financial judgement,XX/XX/XXXX -- Equifax notified to remove bankruptcy and released tax lien records from credit report post its loss in small claims court, XX/XX/XXXX ( Online dispute ) -- Equifax responded within 30 days with " records have been verified and updated, ''XX/XX/XXXX
Consumer complaint received 2017-07-10
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. (NC)

I have sent multiple letters to Experian National Consumer Assistance Department XXXX  Consumer Relations, and XXXX XXXX XXXX XXXX about multiple unknown collection accounts that have been reported on all three credit reports. <P/>Experian National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) XXXX XXXX XXXX XXXX Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, Experian, & XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only XXXX but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bank of America has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore Bank of America filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date ofXX/XX/XXXXXX/XX/XXXX the reason the document was backdated because Bank of America was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so Bank of America filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary.  In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX XXXX-XXXX   Trust XX/XX/XXXX-XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank of America Corporation , XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX, under the name of XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX-XXXX , File No. XXXX.. Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data and Contact Management Solutions, LLC (MD)

My husband died on XXXX/XXXX/16. He does not have an estate. There are no funds to pay the debts. I notified all of his creditors. XXXX has continued to send bills, text messages & unlike other creditors ( XXXX, etc. ) has n't sent any letters. However, I have received calls from DCM Services which does not provide information about the debt, etc. I have told them twice that there is no estate, that I want them to stop calling me & asked the name of the creditor. Both times, they hung up the phone but continue to call asking to speak with someone handling my husband 's estate, but again fail to advise on who 's behalf they are calling. This is harassing and I find it reprehensible. I need this to stop asap. NOTE THAT I AM PROVIDING MY HUSBAND 'S social security number as they are trying to reach his estate
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (CA)

Debt has been resolved and has fallen off credit report. Original debt is over 7 years. Last payment made over 7 years ago. Rep is trying to collect on behalf of XXXX XXXX and disclosed I made a recent payment while account was in collection, complete false. XXXX XXXX can not verify debt and has wrongful been making account seem current in order to gain momentum on collecting.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

Equifax has placed a charge off on my credit report on XXXX/XXXX/XXXX from tower XXXX When the debt has been discharged via bankruptcy. 

we contacted XXXX XXXX and they did not place the charge off my my credit report. 

Equifax please call XXXX XXXX XXXX at XXXX in the bankruptcy department and she will verify the charge off is not valid see email string and docs attached DO NOT IGNOR escalate TO SUPERVISOR!!!!!! 
No letter. She said she knows the process seems convoluted but the best thing to do is for us to complete Equifax dispute online. In comments section, we can put that we have spoken with XXXX XXXX XXXX at XXXX. Equifax will then forward it to her, likely within a day. She normally gets them anyway as she is the XXXX collections contact. She said no fault on us but there is an existing issue. XXXX recently changed credit card vendors, hence items being re-reported. 

XXXX From : " XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX Subject : RE : XXXX Ok please get to write a letter of removal if she can not then ask her write a letter showing it was part of the bankruptcy and should be removed the bankruptcy has been discharged. We will forward that to Equifax to remove but we need their help Equifax will not investigate they just verify. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX dob XXXX/XXXX/XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

Asked for proof of payment after I paid, and XXXX refused to provide one. XXXX also refused to identify himself/herself completely and refused to give company information. They told me they were able to send me my proof of payment in 4 hours just to get my debit and payment, which resulted in a tactic to get the money. Also, XXXX refused to connect me with a supervisor or manager.
Consumer complaint received 2024-10-15
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX, 2016, I accepted an offer online from Capital One to get a balance transfer for zero points and my regular rate of interest. I requested Capital One, account ending in XXXX, send {$6300.00} to our XXXX Cash Rewards Card ending in XXXX. I received an email stating that it was sent the next day, XXXX XXXX. Today, I called CapitalOne to see why the amount had not yet been credited to our XXXX credit card account and was told that Capital One does not accept electronic transfers of this nature, but only accepts a paper check, so the initial attempt by Capital One was not successful. At that time, a paper transaction was made. The banks both state that it sometimes takes up to 10-12 days to complete the transaction. During this time, the customer incurs 16.1 % on the balance transferred. In addition, the customer is paying interest to XXXX Bank for the amount on the card, or 17.1 %. So, together, the customer is paying 33.2 % on this amount of {$6300.00}, for maybe 12 days, amounting to {$69.00} which is borne by the lowly customer. I am sure I am not the only person that is in this situation, so I can see how this could be a very profitable situation for the banks. I realize that the customer should pay the originating loan interest up to the time the amount is transacted into the receiving bank. But, this situation is obviously one where banks are taking advantage of customers. Please investigate this practice to determine why this practice is allowed to exist in which the customer/consumer is obviously being " robbed '' by the banks and credit card companies.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

In late XXXX we signed up for XXXX auto pay program. We checked the website and it stated account was indeed on auto pay. We later learned we were not on auto pay, they failed to process our request. The representative I spoke to said she saw our request ; " it just didnt process ''. She instructed us to make a payment ASAP, which we did ( we later learned we should have paid XXXX payments ). This error caused XXXX late payments, the XXXX and XXXX due to their telling us to pay only XXXX payment. XXXX reported negative info to the credit bureaus. 
In XXXX of XXXX we checked our credit report and noticed they negative reporting. We wrote a letter to XXXX asking for the negative information to be removed. To support this we added auto pay again, to assure timely payments. The auto pay program was confirmed. However, based on the past, we watched our account for the deduction. When the payment was not pulled, we made an online payment. Later, they finally got around to taking the payment. XXXX XXXX received our letter asking for the information to be removed and they refused. I appealed that decision, they declined again. I called the executive offices of XXXX XXXX and they refused as well after reviewing the file. XXXX XXXX claims that any change of credit reporting is subject to rules set by their portfolio manager XXXX XXXX. Their decision was based on not having enough web footprints proving my story. They found some activity confirming me story, but, not enough. They made XXXX mistakes causing this problem. I have to pay late charges and fees. On top of it all, they ruin my credit report on a {$200.00} balance. My new mortgage is on the line.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (FL)

My credit limit was reduced, due to errors on Macy 's part. I have paid off my balance month ago, but due technical issues on their end. I was charged fees, and not notified of changes. I called to get fees waived on this past Saturday, and now today I get a letter stated my limit is being reduce, which will effect my credit score. I want my credit limit restored.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

My house had a flood. My flood insurance company wrote an advanced check for immidiate mitigation so i could afford to get the wet carpet and walls out. The check was written out to me AND the mortgage company. I never signed the back of it. I mailed it to my mortgage company with a sticky note asking them to sign the back and mail it back to me. I left my phone number if they had any questions to call me.. They told me the check was lost or written out wrong. ( it was written out to greentree, who was bought out by ditech. My mortgage broker said it was fine to have it written out to greentree ) I called flood insurance company and told them to cancel check and write a new one ( with ditech name on it this time ) I called ditech back and heard that my last payment was the amount of the advancement my flood insurance company wrote out to ME! I talked to someone else who told me it was MY FAULT for not calling ditech before sending the check and that I mailed it to the wrong processing department. They put the money towards my mortgage account and totally mishandled my money!! Now I 'm going to be charged a {$25.00} fee for THEIR mistake when that check is cancelled and bounces. Without my signature on the back, how were they even able to process it? I know my bank would tell me they need EVERYONE 'S signature in order to process it. Is n't this fraud? Did they forge my signature? How am I supposed to trust a company like this with further flood insurname checks?
Consumer complaint received 2017-01-31
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

We received noticed that our Wells Fargo Home Equity Account, which has been closed for basically two years now by Wells Fargo, was due a credit as a result of case # XXXX. Again, that account has been closed for about two years and we have not received the funds stated in the notice. However, we have received a XXXX tax form for the amount we were supposed to receive. What Wells Fargo seemingly considers trivial money matters to people like us ; I 'm tired of having to fight this bank to get them to do what they are supposed to do. When we waited as we were asked to hear back from them on how they could " help '' us, we were informed that, because of the waiting time period, we 'd incurred more massive fees and penalties ; it seems a little unfair that, when they 've waited to pay what they owe us, we do n't have the same power.
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CASHCALL, INC. (CA)

My complaint is from the Very Beginning XXXX XXXX was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from XXXX. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. XXXX nor cash call ever tried to work with me XXXX just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of XXXX legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. XXXX are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law 22000, XXXX is also in violation of the Roenthal Fair Debt Collection Practices Act XXXX Civil Cod 1788, etseq. These kind of Company are Big Time XXXX that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim XXXX dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & XXXX XXXX work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & cash call was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then XXXX XXXX calls me & they acted the same way mean & Cantankerous!
Consumer complaint received 2016-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have been entered into PSLF and began making payments from XX/XX/XXXX since today without missing payments ( all of my payments have been on auto debit ). My loan was transferred to XXXX different servicers since I began repayment. Somebody along the way changed my in school date from XX/XX/XXXX ( when I graduated ) to XX/XX/XXXX ( when I had already made a year of payments ). Due to this, a year of payments have been discounted from my PSLF. I called XXXX and they said they can not fix it.