davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANNER CORPORATION (WA)

XXXX XXXX claimed to be a bitcoin investment coach. He guided me through the process of transferring money into my XXXX XXXX account to then send it to a XXXX  wallet, in order for him to trade on my behalf. He also prompted me to create an account through this trading website where I can watch my trade in progress https : XXXX I had made several deposits before I became suspicious that this was a scam. When I did try to retrieve my funds I contacted customer support through the website, and the next day they informed me that I have accrued {$5000.00} in fees. They informed me that I would not be able to retrieve my funds until I pay the full amount, and if I am unable to do so, it will be put into an escrow account and gain {$500.00} in interest until it is paid in full. 

I have attached screenshots of my transactions totaling the amount of {$2000.00}. 

I have contacted my bank in order to request a recovery of my funds. They declined my request. 

I am a single mother of three, and this XXXX taken a devastating toll on my familys livelihood. I am simply trying to recover my funds in order to support my family. Please help.
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (MD)

In XX/XX/XXXX, I rode through a tollbooth free camera tollbooth in XXXX XXXXXXXX Virginia. This tollbooth mails the toll bill of {$5.00} to the owner of the vehicle. I have never understood why XXXX   address is shown as owner of this vehicle but XXXX received the bill and instead of paying it, XXXX sent it to me 2 months later and because the bill was held up at XXXX, There has now been a {$25.00} late fee applied. While trying to work this out with XXXX, the toll booth company sent this to a lawyer who added another {$80.00}. I am willing to pay the original {$5.00} ( and tried to pay ) but XXXX took too long to send this too me and had added fees that are not my fault. This exact same thing happened in XXXX and XXXX paid the late fees.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

This company does not offer any options internally to make biweekly payments nor do they accept " partial '' payments to be AUTO-DRAFTED bi-weekly from my personal checking account. 
I called today and spoke with a customer service representative who said I had no other options. I asked to speak to someone so I could make a record of the request to consider this option and she said there wasn't anything they could do and she knew that wouldn't help. 
I know banks are in the business of making money, but seriously I wanted to attempt to save money, pay upfront a month, and initiate bi-weekly payments and was offered no options. Unacceptable. This company should have a bi-weekly mortgage payment program for its customers.
Consumer complaint received 2024-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC (MI)

I have experienced financial hardship as a XXXX XXXX XXXX XXXX XXXXXXXX Veteran XXXX I had to borrow {$3000.00} to keep my mortgage current after numerous correspondences with the XXXX XXXX XXXX XXXX I have been waiting for my Escrow Refund {$3200.00} to be sent back to my Mortgage Company Servicer Movement Mortgage. ( 8 months ) I just paid my mortgage for XXXX for {$1400.00} and noticed that {$400.00} was applied to my balance. This has exasperated me and intensely, irritated, and frustrated my Service-Connected XXXX of XXXX to the point that I'm taking old medications I had stopped taking for 3 years. This has been on-going for the last 8 months which should have been resolved on XX/XX/2023. I was told XXXX to XXXX by a representative at the XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (GA)

On XX/XX/2020 We went under contract on a home located at XXXX XXXX XXXX XXXX GA XXXX. We sent all the paperwork as soon as the underwriter requested it. We have provided everything immediately. All our record were in order. 

I paid for the appraisal on XX/XX/2020. The appraiser scheduled the appointment 2 weeks later and we had to send an amendment to ask for more days on the appraisal contingency. After waiting forever the appraisor gave a report that was messy. This made the underwriter ask for more documentations which prolonged the closing. We spent 5 days trying to contact the appraiser to fix  the errors. 

After the underwriter noticed that the appraiser was not cooperating they dismissed it. After not being able to close on the agreed date of XX/XX/2020 we push the closing to XX/XX/2020. We were happy that all the conditions were met until the underwriter started taking more than 72 hours to respond. 

The lender would call the account manager and underwriter at Orion Lending and send emails and they would not get back to us. On Monday XX/XX/2020 the underwriter ask us to send the proof that the earnest money was deposited. I mean really at this time in the process they want to ask for something so simple and prolong the closing evening more. 

We have to give a 60 notice to our apartment complex and now we are living in our car with our XXXX year old son because of the underwriter fault. Today is XX/XX/2020 and we have not heard from the underwriter that was supposed to respond back to us immediately. My lender has been calling them and emailing them every hour on the hour and they have not reached back out to us. This is pitiful and this company should be shut down for negligence. 

We even had to make an agreement to give the seller XXXX months rent to allow them to wait for us as we close.
Consumer complaint received 2020-08-06
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: Santander Consumer USA Holdings Inc. (SC)

Im a victim of santander multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Dillards Credit Card, shows one late payment on XX/XX/year>. This account was paid to zero balance in XX/XX/year> and was never late in XXXX. Would like company to send information or proof that the information is correct, if not they need to remove the late payment.
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (WA)

I noticed a collection on my credit profile in the amount of {$420.00} that I did not recognize. I mistakenly assumed it was part of a slew of collection debt efforts for an unpaid cable bill or for some cable equipment that wasnt returned by my ex-roommate at the time. I did not know where it was from nor whom had placed it collection. But I knew it wasnt my debt. So, I attempted to dispute the collection, but because I disputed the wrong company and for the wrong reasoning, my dispute was not resolved. The company only validated mu identity. This an unethical ploy that collection agencies use to keep debt in collection status. I am not disputing my identity. I am disputing the validity of the debt. But again, because I blindly disputed the debt, it was validated as tied to me. I would like to know how??? 
I called the company that originally placed the debt into collection : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 @ XXXXPST I spoke with a XXXX XXXX XXXX XXXX company representative by the name of XXXX ( Employee ID # XXXX ) and we spoke for 15 full minutes trying to track down this debt. I provided her with all of my personal information, including my SS #, my birthdate and my full name and address. She put me on hold several times and spoke with two separate mangers from two separate departments- the billing department and the accounts department. XXXX finally concluded what I already knew : the debt CAN NOT BE FOUND UNDER MY SS # NOR MY NAME! She it doesnt exist and could validate the debt in any wat whatsoever. The debt is not mine and I knew it. But again, because I dispute the wrong information form the wrong company the credit bureaus do not want to re-investigate. This is not lawful. THE DEBT IS NOT MINE NOR CAN THE ORIGINAL COMPANY VALIDATE IT IS TIED TO MY NAME NOR SOCIAL SECURITY NUMBER!!! The absolute abuse of power and the KNOWN unethical practices collection agencies use is criminal! I do not owe this  debt and I it removed from my credit profile immediately!! 
Please stop these collection companies from ruining peoples lives! We are powerless to do anything about it and we are left guilty until proven innocent! Collection agencies and their power need to be broken! There actions are border line illegal and most certainly ethical!!! It is completely ridiculous!!!
Consumer complaint received 2020-08-06
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. (SC)

THE DISPUTED ACCOUNTS HAVE BEEN REPORTING NEGATIVELY AND INACCURATELY ON MY CREDIT REPORT. THOSE ACCOUNTS HAVE BEEN DISPLAYING FALSE TRANSACTIONS NOT MADE BY ME. THESE ACCCOUNTS ARE NOT LIABLE TO ME AND I WAS UNAWARE THAT THEY WERE REPORTING ON MY CREDIT FILE UNTIL I STARTED MONITORING MY CREDIT FREQUENTLY. PLEASE REMOVE ALL THE DISPUTED ACCOUNTS THAT HAVE BEEN CAUSING SERIOUS HARM TO MY CREDIT FILE.
Consumer complaint received 2023-01-06
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX 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
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (NY)

After consulting with my attorney XXXX XXXX of XXXX XXXX XXXX XXXX, I was advised to complain through this medium. I am a victim of identity theft. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to provide proof of account ownership. These accounts were opened by a family member who stole my identity. I had PERFECT credit up until when these accounts were illegally opened. 

Account Name Balance Owed Date Opened 1. XXXX {$490.00} XX/XX/XXXX 2. XXXX XXXX {$1000.00} XX/XX/XXXX 3. XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX {$790.00} XX/XX/XXXX 5. XXXX XXXX {$1100.00} XX/XX/XXXX 6. XXXX XXXX {$570.00} XX/XX/XXXX 7.  XXXXXXXX XXXX {$0.00} XX/XX/XXXX 8. XXXX XXXX {$20000.00} XX/XX/XXXX
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One took over the Walmart Credit card account from XXXXXXXX XXXX. I called XXXX XXXX  in XXXX due to not receiving a statement. I was advised at that time they no longer handle the account and to call Capital One. I called Capital one and advise the account was past due. I advised the representative a bill was never received and I had no idea the Walmart credit card was being serviced by another company. We discovered the reason no bill was received is because my address was incorrect. The address was updated, the representative removed the late fee, and stated my credit would not be effected in any way. I checked my credit report and saw Capital One reported the account late 30 days. I called and spoke with a representative that stated would have it removed since I never received a bill. However, the late reporting was not removed per conversation with representative.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (SC)

THE DISPUTED ACCOUNTS HAVE BEEN REPORTING NEGATIVELY AND INACCURATELY ON MY CREDIT REPORT. THOSE ACCOUNTS HAVE BEEN DISPLAYING FALSE TRANSACTIONS NOT MADE BY ME. THESE ACCCOUNTS ARE NOT LIABLE TO ME AND I WAS UNAWARE THAT THEY WERE REPORTING ON MY CREDIT FILE UNTIL I STARTED MONITORING MY CREDIT FREQUENTLY. PLEASE REMOVE ALL THE DISPUTED ACCOUNTS THAT HAVE BEEN CAUSING SERIOUS HARM TO MY CREDIT FILE.
Consumer complaint received 2020-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNTS HAVE BEEN CONTINUOUSLY DAMAGING MY CREDIT AND THOSE INFORMATION HAS BEEN REPORTING INACCURATELY. I AM IN DISTRESSED BECAUSE I HAVE BEEN PLEADING TO HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE. THOSE ARE NOT LIABLE TO ME AND THEY HAVE BEEN REPORTING FALSE TRANSACTIONS THAT WERE NOT MADE BY ME. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS LISTED ON THE ATTACHED REPORT REMOVE AS SOON AS POSSIBLE. 

THOSE DEROGATORY ARE PREVENTING ME FROM CLOSING ON A REAL ESTATE DEAL DUE TO THE FALSE ENTRY THAT HAVE BEEN PLACED ON MY CREDIT REPORT.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CO)

Ally Bank closed my account all of a sudden in XX/XX/XXXX due to " Suspicious Activity '', but refused to give me any details or information. Every time I tried to call and get information they would say " they reserve the right to close the relationship and can give me no further information ''. I have received no letters in the mail and they still have my money of {$360.00}. It is now XXXX of XXXX and still giving me the runaround. Please help.
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is regarding TransUnion 's investigation to correct inaccurate information on my consumer credit report for my XXXX  XXXX  ( mortgage account ) as follows : In " PAYMENT HISTORY '' Section - shows for XXXX, XXXX, XXXX, XXXX and XX/XX/2020 as " UNKNOWN '' and TransUnion has not corrected this error by failing to report these payments were in fact made for these months. 

I am disputing the above because our mortgage servicer, XXXX, failed to report payments made for XXXX, XXXX, XXXX, XXXX and XX/XX/2020, when our Account was NEVER in forbearance. ( Note : As of XX/XX/2020, TransUnion has updated and corrected my credit report by removing the forbearance off this account ). 

ALL PAYMENTS WERE TIMELY MADE TO XXXX, INCLUDING XXXX, XXXX, XXXX, XXXX AND XX/XX/2020 ( Please see attached Loancare Billing Statements for XXXX, XXXX, XXXX, XX/XX/2020 and XXXX Payment History Report for XX/XX/2020 payment ). 

THEREFORE, I AM DEMANDING THAT TRANSUNION CORRECT THEIR ERROR ON MY XXXX  ACCOUNT AS FOLLOWS : IN PAYMENT HISTORY SECTION REMOVE UNKNOWN FOR XXXX & XXXX AND REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX, XXXX AND XX/XX/2020. SINCE THESE PAYMENTS WERE MADE TO XXXX, TRANSUNION IS REQUIRED TO REPORT THIS ON MY CREDIT HISTORY FOR THIS ACCOUNT ( please see attached XXXX  Billing Statements for XXXX, XXXX, XXXX, XX/XX/2020 and XXXX  Payment History Report for XX/XX/2020 payment ). 

Please See the Following Attached Supporting Documents : 1 ) TransUnion Credit Report After Dispute Dated XXXX XXXX ) XXXX  Account - Payment History Report XXXX 3 ) XXXX  Account Billing Statement for XX/XX/2020 XXXX ) XXXX  Account Billing Statement for XX/XX/2020 5 ) XXXX  Account Billing Statement for XX/XX/2020 6 ) XXXX  Account Billing Statement for XX/XX/2020 WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE WITH OTHER LENDERS AND WE ARE UNABLE TO DO SO BECAUSE OUR XXXX  ACCOUNT HAS FAILED TO REPORT PAYMENTS MADE FOR XXXX, XXXX, XXXX AND XX/XX/2020, WHICH NEGATIVELY IMPACTS OUR CREDIT PAYMENT HISTORY. WE ARE DEMANDING THAT TRANSUNION IMMEDIATELY CORRECT THE ABOVE ERROR AS THIS IS PREVENTING US FROM WORKING WITH ANY LENDERS.
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MA)

Hello and Happy Sunday! I was 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-02-26
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 XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX  XXXX ( XXXX ) # XXXX, XXXX XXXX  XXXX XXXX ( XXXX XXXX ) # XXXX and XXXX XXXX ( XXXX XXXX XXXX ) # XXXX, has violated my rights. 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.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I have previously disputed two debts listed for collections by a 3td party agency via XXXX XXXX for XXXX an XXXX XXXX that were supposedly open in WA state in XXXX. Both were removed from my XXXX  credit report as fraudulent. The agencies have apparently sold the debt to a new agency or the original creditors provided the info to a new agency and the debts are again showing on my credit listed with ICS Systems out of MN for XXXX XXXX {$240.00}, and XXXX XXXX XXXX for XXXX {$430.00}. I feel all creditors, Collections Agencies and Reporting agencies are grossly violating my rights as I have disputed these debts due to identity theft or fraud on multiple occasions and the accounts removed due to inability to validate the debt only to have them put back on my credit again by a new Collections agency that did not validate the debt and the Reporting agency did not prevent this repetitive abuse and harassment