davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

Hello, I made some claims that there were suspicious transactions made on my account, so I made XXXX separate claims with Wells Fargo XXXX claims I made yesterday and XXXX was made on XX/XX/XXXX. I didnt make these transactions, but there reasons of why closing down the both accounts were due to claims being made. I made these claims my self so why would it be a security risks? I dont understand that. I called them plenty of times and they said they cant do anything about it since it is final decision but I really want that account back. It also said my both accounts are going to close on XX/XX/XXXX, so hopefully you guys can get to me before that.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (IL)

I am writing to formally lodge a complaint concerning the GAP insurance refund that is owed to me. I have been waiting for a refund of {$430.00} following the early payoff of my loan. According to the letter received from BMO BANK, it is stated that BMO BANK refunds customers directly within 60 days of the loan payoff date. My loan was paid off on XX/XX/2024. It is now XX/XX/2024, and I have yet to receive the refund. 

Despite multiple communications with BMO BANK, the situation remains unresolved. I was informed that a check was issued for the refund, but I never received it. Consequently, I had to initiate a stop payment on the check. Almost a month ago, I was assured that a follow-up call would be made to address the issue, but to date, I have not received any such call or further communication. 

It is unacceptable that, after four months, I am still waiting for my rightful refund. I request immediate action to rectify this situation. Please expedite the processing of my refund of {$430.00} and ensure that it is sent to me without further delay. 

I have attached a copy of the letter from BMO as proof of the payoff date and the amount owed. I expect a prompt resolution to this matter and a confirmation once the refund has been processed. 

Thank you for your immediate attention to this issue.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (WI)

In XX/XX/year>2022, I hired a lawyer and informed Heights Finance that I would be filing for XXXX  XXXX bankruptcy. The bankruptcy was officially filed on XX/XX/year>2022, and it was discharged at the end of XXXX or early XXXX. Despite multiple attempts to notify the credit bureaus that all collection actions should have stopped in XXXX after my lawyer contacted them, Heights Finance continues to report " late payments '' or " missed payments '' during the bankruptcy proceedings. This seems unethical, as it goes against my rights and undermines the very purpose of bankruptcy. I would like to request action on this matter.
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION (AR)

My wife and I submitted a hardship request for a loan modification with Amerisave mortgage in XXXX of XXXX. They initially requested that we send supporting documents such as pay statements and bank statements. This process continued for months without any resolution, so we hired XXXXXXXX XXXX XXXX XXXX  out of XXXX XXXX, CA ( {$4000.00} ). to assist us in our effort to communicate with Amerisave effectively. This process with the XXXX XXXX started in XXXX of XXXX. Even with their assistance, we still had problems with Ameirsave working with us in a timely manner. All along we were getting further and further behind on our mortgage. However, the agreement with XXXX  was to pay them to communicate with Amerisave and our payments would be halted until an agreement was reached with Amerisave on a modification. Finally, after back and forth communication with Amerisave over a 7 month period, Amerisave finally sent us a modification agreement. We signed the agreement and started our trial payments. However, on the last payment, I spoke with one of the loss mitigation reps to set up the payment to come out on the first of the month. The payment posted on XXXX the XXXX to our account, but Amerisave said that it post on their end on the XXXX of XXXX, which they say voided the trial plan agreement because the payment posted early. This incident showed up on our credit as a late payment. We finally got that issue resolved with the help of XXXX XXXX and the final modification paperwork was sent to us and we signed and returned it around XX/XX/XXXX. They initially said that it take about 2 weeks for them to the finalized modification to with the amount of the new mortgage payment. It has now been a month and the finalized papers has not yet been sent. Our credit is still showing our mortgage is behind, but it is not. We have continued to make the payments since we completed the modification. This has been a very stressful process and we sincerely feel that Amerisave has dealt with us unfairly and unjustly. We are now in a better position to handle our mortgage, and would like to move pass this process. Your assistance in bringing this matter to completion would be greatly appreciated.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc (TX)

While I live in XXXX  someone from XXXX XXXX opened an account worth {$200.00} with Uplift/XXXX XXXX using my name and social security in XX/XX/year>. I spoken with the bank and the credit reporting agency XXXX and they agree it is to be fraudulent and a case of identity theft.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

I did not authorize the following lenders to view my credit report and it was done without my consent. 

I am requesting the following lenders to remove the inquires from my credit report within 5 business days. 

XXXX. XXXX XXXX XXXX XXXX. Chase Auto Financial XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX someone has my credit information. I am a Glaucoma patient and can not drive due to the numerous amount of eye surgeriea done to my eyes this year.

Please remove within 5 business days
Consumer complaint received 2022-11-15
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. (CA)

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

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, Fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX Bank : XXXX XXXX  Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX Open Date : ( XX/XX/XXXX ) Bank Routing # : XXXX Account # : XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-19
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. (TX)

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 2024-05-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

In XX/XX/2022, I enlisted the services of XXXX XXXX XXXX XXXX, on the recommendation of XXXX, to help manage my significant medical debt. XXXX XXXX XXXX XXXX advised me to stop all payments to creditors as part of a debt settlement strategy. Despite this, I received no communications from XXXXXXXX XXXX no collection notices, nor any form of outreach regarding the impending delinquency or potential resolution options for my account. This lack of communication led to a complete surprise when I was suddenly served with a lawsuit for the outstanding debt, without any prior notice or attempt to settle the matter out of court. 

Post-lawsuit, I have made multiple attempts to negotiate with XXXX XXXX through their attorney, aiming to settle the debt either through a manageable payment plan or a lump sum settlement that I could feasibly handle. Unfortunately, all my proposals have been outright refused by XXXXXXXX XXXX attorney, who insists on pursuing full payment through court proceedings. This inflexible stance disregards my current financial situation and the economic challenges many are facing, exacerbating my financial and mental stress. 

This experience, I believe, highlights potentially unfair and non-cooperative debt collection practices by XXXXXXXX XXXX and their legal representatives. It raises concerns about the bank 's commitment to working with consumers to find fair resolutions in times of financial hardship, which is crucial in fostering trust and fairness in financial services.
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX sold my loan to Chase it is set up with auto withdrawal from my bank account at XXXX email stating i have nothing to do to set up chase account get first statement from Chase stating I have a past due amount called Chase, ask for letter stating the past due amount was in their error they refused
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (FL)

Rausch Sturm LLP Its from XXXX XXXX XXXX. Sued me without even offering me anything. I spoke to him once filing disputes and fraud paper work was being sent to them. But no response to my disputes.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Date : XX/XX/23 Amount : $ XXXX $ XXXX {$690.00} Action taken : Sent in multiple disputes certified mail and certified return signed receipt and didn't receive a response via mail and the certified signed receipt was not signed and not returned. On the certified mail receipt tracker shows that they received it and did not respond via mail as requested within and past 30 days. I also sent a Fraud FTC Affidavit as well.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (FL)

I received a letter from Ability Recovery Services on XX/XX/year> stating they are trying to collect for a debt to XXXX XXXX XXXX for the amount of {$580.00}. I contacted XXXX XXXX that is part of XXXX XXXX XXXX, and was told there is a XXXX balance that all bill were paid. I then requested proof of payment in which I included and sent back to Ability Recovery. I then received another letter on XX/XX/year>, so I called and asked to speak with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as per the directions on the letter. I spoke to XXXX, who refused to let me talk to XXXX, I them obtained permission to record our phone conversation. I advised her that the there is no monies owed, she looked in her computer and said that XXXX XXXX is a different eternity than XXXX XXXX... which in fact is not true, they are XXXX in the same. I then asked XXXX to prove what debt I owe, which she could not and kept saying that XXXX and XXXX XXXX are not the same. When you google them it is the same, and I told her that it is her job to prove that they have a valid debt. She became belligerent. Neither of the invoices I have from the date and place of the incident match up with the amount they are supposedly trying to collect either. Now they placed a collection on all three credit bureaus for {$2500.00} which does not match their original letter or any of my invoices from XXXX XXXX.
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I saw a property inspection fee of {$30.00} imposed to me on or before XX/XX/year>. After several attempts to resolve this matter or receive the pertinent info of who entered my property, Penny Mac failed miserably at disclosing the info.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company 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 demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX 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  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!

Delete the late payments from my consumer reports