davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on XXXX. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family.

I asked multiple times for the late payment reported in ALL MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late, and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer Update and delete the late payments from my consumer reports
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (CA)

XXXX Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX | XXXX, CA XXXX XXXX : freedommortgage.com/locations O : XXXX Ext XXXX Hello XXXX, I am having difficulties getting approved by Freedom Mortgage Company. 
First XXXX is the guy that is taking care of the refinance loan, he told me that he guaranteed me that he would get me refinance without a problem, now he is telling me my debt to ratio is too high, I would like XXXX to take a look at the file that Freedom Mortgage has put together and help me understand why I am not able to get approved for this loan. 

XXXX also told me not to pay my current mortgage payment, that everything would be paid off before the 30 days and made me late, now they tell me they can not approve the refinance.. Go figure. 

XXXX says the Underwriter does not want to approve this loan. 
I was already approved through XXXX. 
I can't for the life of me understand why they are not able to approve this refinance. The only reason that I can think of not being approved is because of my XXXX background.. 
Hopefully you can help me understand this process and see if this is the case. 

Thank you,
Consumer complaint received 2023-07-18
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2019, I went into the local Wells Fargo to close my deceased father 's overdrawn account with a cash payment as they would not accept a check from me ( his executor ). I paid the {$69.00} balance and was informed that I could not close the account even though I presented paperwork and death certificate. I was informed that I was not " on this account '' and " did not have an account with Wells Fargo ''. I was told the account would show a XXXX balance upon my cash payment, and to Return to Sender the next bank statement with DECEASED written on it. I have done this repeatedly. Subsequent bank statements continue to arrive and. I finally opened a statement to find that his account not only was not closed, but has been assessed fees on a 3 Cent balance which should not exist. Wells Fargo has not been of any assistance with this issue, other than wanting more money.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc. (CA)

On XXXX XX/XX/2020 I was contacted by XXXX XXXX from United Check Recovery Bureau from phone number ( XXXX ) XXXX at my cell phone number of ( XXXX ) XXXX at XXXX Pacific Time and again at XXXX the next day by a different individual. The debt that the company is trying to collect belongs to my ex-wife XXXX XXXX. I notified the first caller that XXXX XXXX is not associated with my phone number, that I would forward their message to her and to not contact me again. I was called again the next day concerning the same debt which isn't mine and from my understanding the company is prohibited from contacting me multiple times especially within such a short span of time.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (AR)

Had a government direct deposit of $ 7,000+ from unemployment ( XXXX, XXXX  ) after I was allowed to make a couple ATM withdraws, I went to bed an the next day my account locked an I have not been able to access any of my funds, I've been provided with no type of documentation of what is going on. Now 2 days later after waiting their 24-48 hr account under review policy they've now decided to permanently close my account with no explanation as to what is going to happen to my $ 6,600+ balance in my account. This should have never happened in the first place cause I know for a fact all the info is correct an for crying out loud the direct deposit, only direct deposits I've ever gotten, was/is issued by the government!!!
Consumer complaint received 2022-12-04
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. (SC)

IN THE PAST 6 MONTHS I HAVE SENT EQUIFAX, XXXX, AND XXXX SEVERAL LETTERS IN REFERENCE TO ACCOUNTS ON MY CREDIT REPORT THAT ARE BEING INACCURATELY REPORTED AND HURTING MY CREDIT SCORE AND REPUTATION. ALL 3 CREDIT BEAURUS HAVE SENT LETTERS BACK SAYING THAT THEY HAVE THOROUGHLY INVESTIGATED EACH ACCOUNT AND HAVE VERIFIED THAT THEY ARE 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF ALL THE ACCOUNTS ARE STILL SHOWING DIFFERENT INFORMATION SUCH AS DIFFERENT REPORTING DATES, AND DIFFERENT BALANCES AND SOME OF THE INFORMATION IS NOT EVEN REPORTING TO THE CREDIT BEAURUS. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY CONSIDERING THE FACT THAT THEY ARE REPORTING INACCURATELY AND THE INVESTIGATION TOOK LONGER THAN 30 DAYS.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-06-24
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: Experian Information Solutions Inc. (TN)

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, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc. (NJ)

I have received about 20 text messages from XXXX collection group telling me to pay XXXX XXXX, first {$920.00} and now {$620.00}, using their site.. Sometimes they stop a few days then start up again. It has been going on for about 2 months, yesterday is the most recent attempt. It sends a link where I can connect to and pay. A person claiming to be XXXX XXXX called me in XXXX this year telling me my sister owes him money, did not say how much. His number is XXXX. I told him my sister had a major XXXX recently but I have not seen her in over 2 years as she moved away and because of fear of Covid I do not travel. He started to bad mouth my family. This debt was paid by my sister but the text messages are still being sent to me. When I texted back, " Fraud '', the response was that they did not understand my message. I looked up the number and found that over 2000 complaints have been filed against whoever owns this number, there are a group of numbers, are similar. I am unable to block them. I want to report them, both the person who wants the money, and the " collection '' link.
Consumer complaint received 2022-12-04
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: ERC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX : A creditor XXXX not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (CA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me. I verify they received by certified mail my request on XX/XX/2024.
Consumer complaint received 2020-06-23
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. (MS)

XXXX, EQUIFAX, & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, EQUIFAX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, EQUIFAX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.
Consumer complaint received 2020-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (KY)

The collection agency, Midland Credit Management, has called me numerous of times during odd hours of the day and night threatening to sue me and have police come to my home to arrest me and/or shoot me for a fraudulent credit card. When I did talk to them a few times, I express to them that the credit card was a fraudulent account. They would not believe me, calling me foul names and using explicit language over the phone. They called me a fraud because I didn't pay the credit card bill. Of course I'm not going to pay on a fraudulent credit card bill. I do not have a written contract with a wet ink signature saying that I owe or agree to pay Midland Credit Management for a fraudulent credit card.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. XXXX  XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX
Consumer complaint received 2020-06-24
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. (TN)

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 CO, XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STERLING BANCORP (NY)

I applied for a credit card on XX/XX/XXXX and was immediately denied. The credit card told me that a forbearance was placed on my credit rating. When I obtained a copy of my credit report, I noticed it was Sterling National Bank. I've been paying my mortgage in full since I initially got the mortgage through Astoria Bank. IT IS PAID ON TIME IN FULL EACH MONTH. I HAVE NEVER BEEN LATE WITH A PAYMENT, EVEN DURING THIS PANDEMIC. I AM STILL PAYING MY MORTGAGE IN FULL EVERY SINGLE MONTH. 

I remember having a phone conversation with a representative in Loss Mitigation in XXXX and asked what " forbearance '' meant. She explained the process, and at the end of the call, I told her I was NOT interested. She acknowledged that I was not interested, but still placed my account into forbearance. She apparently did not understand what the word " NO '' MEANT. 

When I called the bank ON XX/XX/XXXX to ask them why they placed my mortgage into forbearance, knowing I did not want that option, and knowing that I've been paying my mortgage in full, they did not give me a reason. In fact the customer service representative in Loss Mitigation on XX/XX/XXXX, XXXX, told me that she was not the representative who put the mortgage into forbearance, and it was not her fault. 
She admitted to me that the XXXX phone records indicated that I WAS NOT INTERESTED IN A FORBEARANCE. However, she refused to send me the phone records unless I had a court order. She took NO Accountability ; NO responsibility for the bank 's grave error. 

She told me that someone from the bank would be getting back to me within 24 hours, but no one has since that phone call - over a week later. She lied to me. My mortgage is still in forbearance ; no one from Sterling National Bank has reached out to me to apologize or to even reply that they are fixing the issue. NO ONE HAS REACHED OUT TO ME in over a week. 

I filed a complaint with the OCC ON XX/XX/XXXX, since the 24 hours passed and no one from Sterling National Bank replied to my complaint about the forbearance. 

I am filing this complaint now with the Consumer Financial Protection Bureau at the advice of a friend who has knowledge on the subject of mortgages and told me that banks use this tactic to prevent the mortgage holder from refinancing a mortgage - it is way for the bank to block me/force me to keep the mortgage with them. I learned that when an account is in forbearance, the person can not apply for any credit cards, nor refinance a mortgage. Since rates are low now, banks do not want their customers to shop around. 

BEWARE OF STERLING NATIONAL BANK. THEY ARE NOT HONEST ; THEY DO NOT TAKE ACCOUNTABILITY FOR THEIR ERRORS. 

PLEASE INVESTIGATE THEM. THIS WAS AN UNETHICAL MOVE OF THE BANK.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CT)

I believe my Cash App account was hacked because all of my personal information is constantly being removed and whenever I put my number theres another number on there I do not know. Also, there are requests coming from people that I do not know that are asking me for money that I do not have. I have even wrote down the number and email address that was seen on my account and email as well. The email address that was seen on the account was XXXX and the number seen was ( XXXX ) XXXX. I had even went so far to reporting my card stolen in order to get a new one that would come with new routing number and account number as well.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

I sent someone claiming to sell puppies a deposit of {$300.00} via cashapp. The deal fell through and the person/business said they would refund my money via cashapp. I sent a request to refund my money and they never did. I reported this to cashapp via their support process which doesn't allow you to speak to someone verbally or via email. No one contacted me from cashapp. I did recieve an email stating they will work on it and i should get a response in a few days. A few days past and i received an email stating it was resolved but no one was contacted or no request for supporting documents nothing!