davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have tried unsuccessfully to get XXXX dba XXXX XXXX to fix inaccurate information off of my credit reports regarding a former mortgage that I had. I have also gone to each of the credit bureaus to get information corrected without any success. This includes XXXX XXXX and Equifax. 

My former mortgage with this company shows that my account is actively 120 to 150 days late and in a derogatory status. I am being denied student loans because of this matter. Home was sold in XXXX and of XXXX in a short sale due to divorce. My credit shows account is in a delinquent and derogatory status and is currently at least 120 days past due. 

I contacted credit bureaus and XXXX many times now. XXXX provided me with a copy of the mortgage release when property which was located at XXXX XXXX XXXX XXXX XXXX MD XXXX under loan number XXXX. I have sent to bureaus to demonstrate there is no current outstanding balance, it is not in a current derogatory state and no money is owed any longer. Home sold and home transferred to new homeowners at that time. The other issue with XXXX XXXXXXXX is that I even had an offer for a higher sales amount to sell home in XXXX and it was denied. Home didnt sell for many months past that and another offer came in lower and was accepted. Meanwhile, the home sat and continued to negatively affect my credit in the process. I guess that is why there is a class action law suit against this company for repeated violations from foreclosures and short sales. 

Anyhow, I did manage to have XXXX report corrected in XX/XX/XXXX. But, it has since recently changed again to a derogatory status and currently late 120 days. I have tried to contact bureau and have been unsuccessful in getting this corrected. All parties involved are not fixing this issue. I cant even make any more requests to the bureau because they are verifying the accuracy as correct due to information verification received from XXXX XXXX. 

This is a blatant violation at multiple levels and clearly violating my rights under the Fair Credit Reporting Act. Neither the credit bureaus not XXXX XXXX are correcting the data. Data gets periodically updated with wrong information, account keeps getting re-aged and doesnt reflect the accuracy of this former account. 

I am requesting help because I am not sure what else can be done on my part. I need the bureaus and XXXX assistance in helping to resolve this matter. I have called, emailed and done everything humanly possible without success. This account needs to updated to reflect accurate information immediately or be deleted from my credit report. There has been ample time to resolve this. 

I can not get a student loan for my daughter because of a currently delinquent status and incorrect reports being made. Very wrong and unfair.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

This is a complaint against Comenity Capital Bank for failure to cooperate with an identity theft investigation. For violations of the Fair Debt Collect Act and the Fair Credit Reporting Act. They are also liable under California Penal Code for their failure to cooperate. 

Comenity and their assignees have been provided repeated with FTC Identity Theft report number XXXX. They have been repeatedly asked to help in the identity theft investigation ( as noted in the attached letter ). However, as is their pattern, as exemplified by the statement of facts in Gonzales v. Commenity, Commenity has refused to cooperate instead going to the extreme of filing a lawsuit against me in the state of Arizona falsely claiming they are owed {$4000.00} on a contract executed in Arizona. 

On XX/XX/2021 I sent them a letter from my residence in the state of California asking them to cooperate with the identity theft investigation begun with FTC Report XXXX by providing the following documents : A copy of the original signed application Signed charge receipts for the {$4000.00} in alleged charges Proof of delivery of any merchandise charged to the account Any other pertinent identifying information. 

As a California resident, in addition to federal protections, California Penal Code Section 503.8 allows Comenity 10 days to provide that information before facing a {$100.00} per day civil damage accrual. In my letter ( attached ) I gave Comenity three additional days to provide that information. That time has expired and nothing has been provided -- although in that time they did serve me with their lawsuit with their fraudulent claims about a contract being executed in Arizona. I have of course, at great expense filed a response and a counterclaim, but the issue still remains that Comenity is violating federal law that CFPB is charged to enforce.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Ongoing dispute of a bank to bank transfer. Initiated transfer XX/XX/2021. XXXX Wells Fargo branch XX/XX/2021. Opened claim with Wells Fargo XX/XX/2021. XXXX with Wells Fargo and XXXX XXXX representatives on XX/XX/2021. Was provided trace information from both parties.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (CA)

I received a collection notice from Mountain Run Solutions in the amount of {$810.00}. I had no idea what this could be from. At that time my credit score was XXXX till they put an unwarranted and false collections ding on my credit. I had to do research to find out what this could possibly be from. 
On XX/XX/XXXX Mountain Run sent me documentation from an account with XXXX XXXX dated XXXX XXXX XXXX for a service set up for security at a recording studio which I have not been a part of for over 10 years. I signed on. behalf of the LLC not using my social and was not the owner of the Studio. That XXXX XXXX XXXX has been dissolved for over 10 years. The only document Mountain Run sent. was a copy of the order signed in XXXX of XXXX, there are no copies of subsequent bills, nothing that says unpaid, and nothing at all documenting the {$810.00} they say is owed. I do not understand how credit agencies could even think their claim was valid and ding my credit. 
Not once did I ever receive a late bill or any kind of notice of delinquency in all those years. Now they have hurt my credit. Mountain Run has texted me offering a reduced payment but I do not owe and it is way past statute of limitations.

I looked at XXXX  website and Mountain Run has 388 complaints, 251 of those complaints against them in the last 12 months. 
I am not alone in this.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

This company Midland Credit Management aka MCM keeps calling my work although I have told them repeatedly no personal phone calls are allowed. 

Today the rude lady would not give me her name or any information They called again today at XXXX PST. I have no known business with this creditor and they are not allowed to call my work.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc. (MA)

Hi STEVENS BUSINESS SERVICE ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I applied for an apartment, and I was asked for my employer to complete an employment verification. My employer completed it and submitted the application for processing. However, my application was denied based on a report from the service work number. According to XXXX ( the property management company ) stated that I am not entitled to the report. Although, it's a consumer product that generated a report, and there was an adverse action. 

On XX/XX/2021, I proceeded to try to obtain the report through Equifax Work number 's website at https : //theworknumber.com/solutions/consumers/employment-data-report. The service is fully automated. It is impossible to pay for the report unless you are a business subscribing to their service. If your employer is subscribed to the service, they have to provide you with information to enter their portal employer participates in the service. I work for a small family-owned business, and they are not participants in this service. 

I later downloaded their form and emailed the completed form to the address on their website with a copy of my license and paystub ( XX/XX/2021 ). I have not received a response. I want to know why the work numbers website is not accessible if they provide my financial information and taxes and have no access to it. 

I would like to have some assistance with this time-sensitive matter because the decision is based on erroneous information. I would like to have an opportunity to see the report and dispute any inaccurate information.
Consumer complaint received 2021-04-29
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Windham Professionals, Inc. (UT)

WYNDHM is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see WYNDHM report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that WYNDHM please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$3000.00}
Consumer complaint received 2019-07-23
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: Bread Financial Holdings, Inc. (MA)

A credit card open Fraudulent in my name on XX/XX/2019 {$1500.00} from Comenity bank visa Card XXXX XXXX, never apply for this card someone used my information to open this account
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I have held two credit cards with Citibank for over 14 years and have had a Citibank bank account for over 30 years. 

I just learned that my credit cards were closed when I tried to use the cards at a store. 
All my earned purchase points were erased and I can not view any previous information on the closed accounts although the outstanding charges of last month are still visible and connected to full autopay on my bank account. 

The reason Citibank gave for closing the account was they recently changed their policy not to allow a foreign address on credit cards. I went abroad since XX/XX/XXXX and had changed online, my mailing address for the credit cards only and kept my bank account 's US address. I did not receive any notification via email or on the Citibank site of this policy change. I did not receive a letter notification at my foreign address. Given the current COVID pandemic, mail is slow domestically and internationally already. However, I never received a mailed letter notifying me of this policy change. 

My complaints are as follows : 1 ) I earned my points through usage and actual purchases on the credit card and it doesn't seem legal to erase my entire earned rewards without sufficient notification and allow me enough time to take action on the rewards before closing my card account. 

2 ) 2-month timeframe to allow customers to respond to their mail notification is insufficient time during a pandemic.

3 ) Although I was signed up for email statements and notifications, I never received an email notice or any warnings about the eminent closure of my cards online. 

4 ) Even the bank manager at our branch, who helped set up the foreign mailing address, was not aware of the bank 's policy change, so was unable to advise me to take action on the matter to avoid account closure.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper processed my regular payment on line as usual. The 10 days later they debited by checking account XXXX times for the exact same payment. XXXX total. 
I am told it is being corrected and I will incur no fees. Who gives them the right to randomly debit my account without authorization. Do you have an extra XXXX in your account?
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Basically after a brief search of my credit history yielded no current history since roughly XXXX. I reached out to all 3 credit card reporting agency 's, they said that my creditors were not reporting my status? Finding that odd since I have been with the same financial institute for years. I asked them and they have been, they also submitted a dispute with all 3 agency 's. The result was determined because I only have one name these agency 's were and are not reporting my history.

I called all 3 explaining what my legal name is. After several attempts they finally said send a letter with proof of ssn, and drivers license. Which I did and then waited several days. I received from TransUnion 2 documents of the same content with different dates showing no corrections. 
I then started to call all 3 agency 's only to find that even though TransUnion said they received the letter they weren't reporting? For what reason I could not understand. My call was routed outside of the XXXX to XXXX I believe, I am not sure why my credit history and or reporting is done outside the XXXX. 
I did not feel comfortable as I had given out enough personal information and still they are not reporting my history. I am a XXXX old man and a business owner with no credit history?? These 3 agency 's I assume because of my name are not reporting or making public my credit history????????????????
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (VA)

My cash app account withdrew XXXX dollars from my bank card to someone else cash app card without my permission I have reached out to them several times and they keep saying that its my banks fault which my bank says because it was taken out from a card that was liknked to my cash app account I need to talk to cash app.i sent them a copy of the transaction and the number of the card it was sent to they still refuse to investigate this problem
Consumer complaint received 2019-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

ok heres the situation ... i have two cashapps due to the reason my friend couldnt send money to me from my account in XXXX which was extremely weird cause he used to always send me payments after payments then out of nowhere he cant send me.smh soooo i created another cashapp account under the email XXXX i told him to send me the money to the new account i created. which is XXXX he sent it and i confirmed it. then when i went to go send that payment to my husbands account due to me not having a card yet it told me i cant send payment i then received a email stating that my account is being closed why is that?? It was a brand new account no need to close it. i need my account XXXX to stay open due to me having a postive balance of money on the account that i need. Please help me thank you. i cant get ahold of my funds. My cash app name is XXXX XXXX i did my search on what it could possibly be and i have seen aloottt of forums with cash app or square stealing information and money from peoples account this is not right at all and i have my bank information linked to cash app uggggh. Please lets bring Justice to all thats going on and help avoid the problems from anyone else.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today, XX/XX/2021, I just received an email from Bank of America says that my balance is below {$25.00}, which is odd. Because I know I have more than {$25.00} in my bank account. After I logged into my account, I saw {$880000.00} hold there in both of my accounts, so I called BOA ( XXXX ), and their customer representative said my accounts have been closed, checking and saving accounts but i can still use my credit card, and she can't give me a reason because " they have rights to do so ''. No email, no text messages or phone calls, they just closed my account without informing me, and if i didn't call, I wont know that my account has been closed. And she said I will receive a cashier 's check within 7-10 days. But then I found that my credit card account has been cancelled as well, I made another call ( XXXX ), this time another customer representative said that I won't receive anything until the investigation is over, I then asked what investigation and she refused to tell me.