davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

I have tried to open CD or Savings accounts with 3 different institutions, one of which I have had banking relationship with for over 4 years. I was denied opened new accounts, these are not credit accounts, but CD or SAVINGS. Each time they said I was denied as a result of information provided by ChexSystems. 

Chexsystems will only tell me they are not responsible for the banks decisions.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. (PR)

In accordance with 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

As I was recently denied multiple accounts at several financial institutions, I contacted Chex Systems by phone to request detailed information about all security freeze activity on my ChexSystems consumer report, as per my rights under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to Section 609 of the FCRA, I am entitled to receive all information in my file at the time of my request. This includes, but is not limited to, the specific dates of any security freeze placements, temporary lifts, or permanent removals associated with my account. I specifically requested a comprehensive report detailing : The date each security freeze was placed on my account The dates of any temporary lifts of the security freeze The dates of any permanent removals of the security freeze Any other relevant dates or actions related to security freeze activity on my account I require this specific information in written form with dates regarding freeze activity to submit to the CFPB in support of a discrimination complaint as the financial institutions claim they are unable to verify my information due to a credit freeze, I intend to prove there has not been any freeze for the last several months however I require the supporting documentation from Chex Systems which they refuse to provide. Chex Systems provided a letter indicating the " current status '' of a credit freeze on my account there is no historical information provided.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

Dear Chex Systems Inc, I am having trouble obtaining a copy of my consumer report, when trying to logon to my consumer portal account USERNAME : XXXX CONSUMER ID:XXXX, in order to review my consumer file. I am met with an error code XXXX. I spoke with an agent from Chex Systems , INC over the phone at your phone number XXXX, on today, who after placing me on hold for about an hour, said that there was a block placed on my consumer file and that he would not be able to remove it. So after not being able to get the block remove from my online portal, I attempted to request a copy of my consumer report via mail. I explained to him that I had been a recent victim of identity theft, and I wanted to go over all of the addresses on my file to for accuracy and the protection of my identity. He then stated that pursuant to the Fair Credit Reporting Act, that he wouldnt be unable to share or update my address on my file over the phone. This is untrue, as I have verified my identity with him over the phone previously. He then stating that a copy of a consumer disclosure report will be mailed out to the address on file. I do not have a clue what address is on file my with Chex Systems as I stated I have been a recent alleged identity theft victim and I have moved my address recently, so that consumer disclosure could be in the hands of anyone. 

Demand to Action, In order to avoid this situation in the future, I demand you remove the hold that have been place on my Chex Systems portal USERNAME : XXXX CONSUMER ID:XXXX, in order for me to promptly review and update my personal information and request consumer disclosures. 

Id appreciate your prompt attention in this matter and kindly request a response to this issue at your earliest convenience
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC (FL)

In early XXXX I was embarrassingly informed of a judgment against me through my employer. My employer shared a mailing received from RAS LaVrar Law Offices attempting to garnish my wages for a debt owed to XXXX. Being a single mother and relying on each paycheck to make ends meet I immediately filed for a claim of exemption to prevent my wages from being garnished in XXXX of XXXX. This exemption was granted on XX/XX/XXXX. During my hearing I requested a contact number from the individual representing the law firm ( via phone ) so that I XXXX dispute this debt. I contacted this number several times from XXXX through the summer of XXXX requesting proof that this debt was in fact mine. I also filed a credit card fraud claim with XXXX. XXXX denied my claim stating my social security number and date of birth matched their records, payments were made from XX/XX/XXXX - XX/XX/XXXX and prior communication with collections department stated no mention of account being fraudulent. I then received a letter in XXXX of XXXX from the law office stating their client ( XXXX ) verified the debt owed and the only proof attached was a final summary judgement filed on XX/XX/XXXX. The ONLY XXXX  credit card I ever applied for and possessed was opened in XX/XX/XXXX, Closed in XX/XX/XXXX and the credit limit was {$300.00}. My XXXX XXXX credit report reflects this information and shows the status of this account Paid, Closed/Never late ( if you note above XXXX  claims I made payments through XXXX of XXXX, why would I make payments towards a closed account? ). The judgement XXXX filed in XXXX states I owe {$5700.00} on principal. My current credit reports from all XXXX credit bureaus do not reflect any debt owed or in collections to XXXX. I would also like to mention that XXXX had a data breach that occurred in XXXX. I simply do not understand how I could have incurred a debt of over $ XXXX on a credit card that had a limit of only {$300.00}. 
XXXX years later, I have now again received a letter by mail dated XX/XX/XXXX from RAS LaVrar law offices requesting documents providing ALL my personal information including bank statements, paychecks, etc., in an attempt to again try and collect this debt that is not mine.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC (AL)

I have been traveling a lot for work. While I was abroad for work, my bank I had been paying my bills from, closed the account for security because I used the connected debit card abroad, and physically mailed me cashier checks. Checks I could not access as I was abroad for work. Payments got missed. Planet Home offered loan restructuring. I had to make three equal payments at the new price. When I had successfully made those payments, they sent me the paperwork to sign, but I was not home. So I asked them prepare and email me a copy of that paperwork. They said I had a very small window ( 24-48 hours ) to sign and have it in a prepaid fedex label. 
I complied with all of these. 
I called to make my payment in XXXX, and they told me a payment was not due that month as the loan had been restructured. This was roughly the twentieth of XXXX, long after the delivery of the documents. 
In XXXX I called to make my monthly payment, they said I owed XXXX dollars, more or less. 
Upon their explanation, they said that my paper was not valid because I used a digital notary service. Which was made legal by senate bill 275. A horrible technicality. 
They said they resent the documents but I didn't respond in time so the restructuring was no longer an option. I said I had check my ring door bell footage and no such delivery had been made, and I also stated it wasn't fair because I had requested that email be the main source of communication, as my work requires my constant traveling. The representative put me on hold. When they came back on the line, they said that they would be preparing the documents for me again, and emailing them to me, as I did in fact request to be sent and corresponded with via email. They said that I would receive it in one week which was three weeks ago. I have not heard anything, and I feel that I am being unfairly treated in regards to my home. I want to resolve this issue, but that are not cooperating. I do not want to lose my home because they are not doing as they say. 
I also have the call recorded where they said they would email me the documents.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I TRADED IN MY XXXX XXXX XXXX IN XXXX OF XXXX XXXX HAS SENT SANTANDER A CHECK FOR THE OUTSTANDING BALANCE AND LATE PAYMENTS ARE STILL BEING REPORTED ON MY CREDIT REPORT. I NO LONGER HAVE THIS VEHILCE AND I AM CONSTANTLY SEEING LATE PAYMENTS ON MY REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater, American express accounting ending in XXXX and American express XXXX XXXX XXXX ending in XXXX and any other American express account that is in XXXX XXXX name whom this living man XXXX : XXXX who is a secured party credit don't own anyone any debt and dont have to share my private information due t the privacy act 1974 and age of majority of all my accounts. delete all late payments off all my credit accounts 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. American Express corporation has violated the FDCA as outlined in XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) which states a consumer report is a medium of communication and thus subject to cease and desist i have requested proof that this information was mailed certified information requested in good faith pursuant to rule 1002 and it was never provided this is unfair, illegal, fraudulent and not equitable to me he consumer
Consumer complaint received 2024-08-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I returned XXXX equipment on XX/XX/XXXX, and settled the debt with Previous Collector on XX/XX/XXXX, confirmed by XXXX as zero balance. Now, New Collector is reporting the same debt, violating my rights under FCRA 611 and FDCPA 807.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (TX)

To Whom It May Concern at the CFPB, I am filing a complaint against XXXX and Credit Management LP regarding the inaccurate reporting of a collection account on my credit report and the failure to validate the debt. 

Complaint Details : Account Information : Collection Agency : Credit Management LP Amount : {$570.00} Original Creditor : XXXX XXXX Background : XX/XX/year> : I mailed an initial dispute letter to XXXX regarding the collection account reported by Credit Management LP. 
XX/XX/year> : I sent a follow-up dispute letter via certified mail to XXXX, reiterating my request for verification and investigation of the account. To date, XXXX has not responded to either letter. 
Violations and Relevant Laws : A. XXXX : Failure to Investigate Dispute ( 15 U.S.C. 1681i ) : XXXX has not responded to my dispute within the required 30-day period, failing to conduct a reasonable reinvestigation of the disputed account. 
Inaccuracy of Reporting ( 15 U.S.C. 1681e ( b ) ) : XXXX has not ensured the maximum possible accuracy of the information on my credit report. Their failure to address the dispute suggests a lack of adherence to the accuracy requirements. 
B. Credit Management LP : Failure to Validate Debt ( 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ) : Credit Management LP has not provided validation or verification of the debt, including proof of ownership and authority to collect it. This constitutes a violation of their obligation under the FDCPA. 
False or Misleading Representations ( 15 U.S.C. 1692e of the FDCPA ) : Credit Management LP 's inaccurate reporting, particularly the false claim of being the original creditor, violates this statute. I have never had a contract with them.

Requested Actions : If these issues are not resolved within 30 days from the receipt of my certified letter ( by XX/XX/year> ), I will consider pursuing legal action for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have also filed a complaint with the Federal Trade Commission ( FTC ).
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am seeking your assistance with this misleading account listed on my credit report. I am bringing this to your attention because it has harmed my reputation, and I need your help. Due to your mishandling of my credit report, my reputation has suffered significantly, and I feel desperate. Please ensure that this incorrect information is removed from my credit report.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (IL)

XXXX XXXX has violated the FDCA as outlined in XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX, XXXX Account Number : XXXX Hello, I am writing to formally request an assignment of contract regarding the debt that was purchased by your company from the original creditor, Account # XXXX. I respectfully ask that you provide me with a copy of the assignment contract, along with any supporting documentation that confirms your ownership and right to collect this debt.

As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to request and obtain verification of the debt, including any assignment contract that establishes your right to collect the debt in question. If you are unable to provide the requested assignment contract within [ a reasonable period, e.g., 30 days ], I request that you promptly delete any and all references to this account from my credit report with all credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Please send the requested documents to the address mentioned above or via email at XXXX Thank you for your prompt attention to this matter. I look forward to your cooperation and timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (IL)

I have made a formal request for an escrow account removal in XX/XX/year>, so that I can manage my tax payments and insurance payments by my self every year. 

The company denied the request with incorrect information that my LTV loan to value is not 80 % or less. Please find attached response from the company. 

The company has always been sending incorrect information in XX/XX/year> I had a appraisal done and the with the help of CFPB the company removed the PMI as I now have a equity of 20 % which brings down the LTV loan to value falling less than 80 %. Please find the letter for the same in attachments. 

The company never considers correct information and provides the worst customer satisfaction. I would request to have the escrow account removed. 

Thank you
Consumer complaint received 2023-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX is using Wells Fargo Bank to cover a bad Loan to XXXX XXXX XXXX. XXXX XXXX assigned a mortgage to XXXX XXXX in XXXX ( XXXX XXXX went out of business in XXXX ) The note was never signed over to Wachovia Bank. The foreclosure suit is Wells Fargo Bank successor by merger to XXXX XXXX. Wells Fargo Bank on different telephone calls and on the XX/XX/XXXX letter said XXXX XXXX  is your lender. Wells Fargo Bank has stated that " we do not have one penny in your property at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX " XXXXXXXX XXXX  through their attorneys, state that XXXX XXXX is the servicer of the mortgage. Wells Fargo, under under who's name we are being sued ( 1 ) does not have any account number for us ( 2 ) does not know our name ( 3 ) do not know our address PLEASE READ THE ATTACHED LETTERS See complaint XXXX which Wells Fargo Bank XXXXeopened under Wells Fargo Case XXXX XXXX in the Executive offices at Wells Fargo . All the files are attached to this complaint proving all the information above. WE NEED YOUR AMMEDIATE HELP AS XXXX XXXX IS TRYING TO GET ANOTHER SHERRIF SALE. See the attached Common Pleas Docket I believe that XXXX XXXX is trying to bypass the requirement to put back money in reserve as required in XXXX for a bad loan so they could lend this money out. ( XXXX has done this before and got away with it. ) WE NEED YOUR HELP!!