davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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)

XXXX  XXXX XXXX {$980.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX {$7100.00} XXXX XXXX Bankruptcy # XXXX I wish to clarify that I have not file for bankruptcy, and to support this claim. The Clerk of Court confirmed they do not furnish information to any third-party including credit agencies. If any Credit Agencies states that they did not received my personal information from a secondary agency is a violation of the Fair Credit Reporting Act to report false information I have not supplied proof under the doctrine of estoppel by silence, Englehardt v Gravens ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists. 

According to the Consumer Law 15 US Code 1681 Section 602 ( A ) States I have a right to Privacy. 15 US Code 1681 US Section 602 ( A ) 2 A Consumer Agency can not furnish any data on my credit report without written instructions. 15 US Code 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items. 15 US Code 1681 S 2 A 1. A person shall 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. 15 US Code 1681 I5 the consumer reporting agencies are supposed to modify accounts that aren't reporting accurately.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

Am presently involved in a re-finance process with AmeriSave mortgage. While my complaint is not with AmeriSave solely, I feel this is an industrywide problem. 

The problem I have is a question of fairness in the income verification rules/processes. 

In my case, I presented to the lender that I was employed by a California C Corporation and received a W2. I also happen to own greater than 50 % of this corporation. As such, the lender insisted on categorizing me as " self-employed. '' The result of which was the lender 's request for several documents for the corporation ; i.e. corporate tax returns, profit and loss statements, bank statements, etc. 

I pushed back on their requests stating that I did not have the unilateral authority to disclose such documents as the employer is a corporation and not a party to the re-finance process of an employee. 

Following many heated phone calls with the lender and a consultation with an attorney it seems the lender can ask for whatever they want of me because I happen to be a majority owner of the corporation. As the consumer, I can provide the information or not, but run the risk of being denied the loan as a consequence. 

Herein lies the problem of fairness - given the same or similar circumstances, if I owned only 49 % of the company, I would not have been subject to this additional scrutiny. And yet, in either case - minority or majority ownership - the risk of a loss of income due to some failure of the corporation is the same regardless. So then, to allow additional scrutiny based merely on percentage of ownership seems patently unfair and should not be allowed. 
While I realize that this practice, so far as I can tell is legal, it may have been an oversight when the laws were put into effect or this issue of fairness never before considered. My use of this form has been the only avenue I have found so far to address what might warrant a change in the law.

Kind regards, XXXX
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (MI)

I contacted Comerica to dispute a XXXX  charge on XX/XX/21. I was asked for additional information which I supplied in early XXXX. Comerica has not provided any additional, ongoing updates regarding the dispute, and in fact, another unauthorized charge came through from XXXX for {$620.00} on XX/XX/21. Why was my dispute not resolved, and why has a new, unauthorized charge been allowed to come through from XXXX I was told that they would no longer be allowed to charge my account??
Consumer complaint received 2021-08-16
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. (CA)

CFPB Letter on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I also sent a letter formerly complaining about not being taken serious, and was responded with a stall letter saying I am not myself to try to give them more time to respond. they are in violation to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of now, and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (FL)

Mariner Finance I opened a loan account number XXXX. I was serving XXXX XXXX and still when I opened this loan. I ended up having it sent to collections. I finally got financially back on my feet and ended up sending a final payment for the full amount. Upon verbal agreement of final payment I was told my account would be removed with all negative discrepancies. After they processed my payment I was sent a letter that the account would be removed from my credit report. This is still on my account and affecting me negatively because I cant use my VA Loan because of serious negative impacts.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc. (KY)

Around XXXX I purchased a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX owned/managed by XXXX XXXX. In or around XXXX I was in financial ruins and unable to pay maintenance fees for this timeshare. Sometime following that I do not have any idea exactly, approx XXXX, I received notice of default on my timeshare and it would be reacquired if I did not pay the past due maintenance fees. That was the last time I had any contact regarding this matter. In XXXX this year I received a letter demanding {$2800.00} for unpaid maintenance fees from XXXX XXXX. I immediately called on XX/XX/XXXX at XXXX XXXX  and spoke to person there and explained my position on the claim fees due. He did confirm where he saw that there was some docs related to XXXX reacquiring my timeshare week. I was told the company had been taken over and records were incomplete, they would have someone call me. Never happened then I receive notice from a collection agency Meridian Financial demanding payment. I contacted the collection and again explained I was under the impression I was not the owner anymore and have not been for years. Then around the second of XXXX it was reported as not one balance but as 6 different entries with the same dates. I also informed collection agency I had retained an attorney to dispute and gave them his name and phone number
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (MA)

i turned in my leased XXXX hyundai on XXXX and purchased another lease on XXXX hyundai is trying to collect XXXX excise tax but it was not mine as of XXXX i have sent them all docs bill of sale vehicle return from dealer and they have now issued a late payment on my credit reports really PLEASE HELP
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : Affirm , Inc . 
Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to Affirm, Inc..

Card Bank Transfer Credit or Debit All fields required.

Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX XXXX  for the amount of {$120.00}. I immediately cancelled the reservation. Affirm Inc. has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. 

Now it is in collection via XXXX. XXXX  at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. 

I will not pay them for a service that was not provided to me whatsoever. 

.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I when on line XX/XX/XXXX to look a XXXX XXXX XXXX XXXX XXXX, I placed an order for this product on XX/XX/XXXX and completed my order. Sunday morning XX/XX/XXXX I received a strange e-mail bulletin type form showing my complete account number ( in large one inch print ) saying that my credit card was bad, and that I had to immediately place my order again with another credit card. I took the bait. I used another Citi card ( same CC company ) I received the first one the next week. Weeks later I received another one, but had no paperwork, I got a second XXXX XXXX XXXX unit from them that was charged to the account that they said was NO good. I didnt order two, and they have no right to use my credit card again. The second one arrived on XX/XX/XXXX coming from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. 
I received my Bank statement XX/XX/XXXX and filed a dispute with them telling them that I didnt buy two XXXX XXXX XXXXXXXX units. Now the newest statement reverses the charge back to me, saying this conditional credit was reversed, since it was determined to be a valid charge. My bank doesnt want to listen to me. A letter was sent to Citicards on XX/XX/XXXX again. I also contacted customer Service at XXXX XXXX XXXX  to request a call tag ( second request ) to pick up the second unit that was not purchased by me. 
FYI : XXXX  XXXX XXXX has numerous complaints with XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I am submitting this complaint because I am being extremely affected by FAIR COLLECTIONS & OUTSOURCING, INC, they are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This was related to frivolous contested debts by landlords who charged me without prior mutal agreement. the accounts been re-aged, I was excessively called despite telling the collectors not to call my phone. I told them this was not a valid debt and they not only failed to mark account as disputd, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen Account # 1 : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Type : Collection Account # 2 : XXXX Date Opened : XX/XX/XXXX. 
Balance : {$0.00} Account Type : Collection Solution : Deletion accounts from all credit bureaus.
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ogden Holdings, LLC (TN)

XXXX XXXX is the office that I received the loan from, This account is not in bad debt but in good standing. I am complaining because if I am just a day late on the payment, they call me NON STOP and leave threatening messages. They also come to my house repeatedly and this payment that is owed is not even 30 days behind. I am tired of them harassing me, I didn't even know you could threaten people with suit and with seizing property unless you were pretty behind like 90 days? I mean not even barely a day late and the phone calls are non stop. They are so rude to me in the office and when they come to my house, they have done this since day one and all through Covid restrictions when people weren't supposed to be using debt collection practices. They send very nasty letters and text messages, they also send threatening voicemails.

They are breaking alot of rules at this place of business. I think they need to reevaluate their office rules and practices. Thank you.
Consumer complaint received 2021-08-16
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC. (FL)

I sent a letter, dated XX/XX/XXXX to Equifax, XXXX  and XXXX  requesting that they remove inaccurate information on my credit report. This issue has really distressed me and has truly affected my daily well being. This inaccurate information was from XXXX of XXXX. I was a victim of identity theft and have fighting to these account removed from my credit reports. None of the 3 credit companies have contacted me and its been over 45 days. The attached letters were what I mailed to the credit companies. I have the signed copies.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NY)

Wrong inquiries from Wells Fargo Without my permission! 
On XX/XX/2021, I received a reminder that theres a hard inquiry added onto my credit report from Wells Fargo, but they didnt get my permission or any application from me.
Consumer complaint received 2021-08-16
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: NCB Management Services Inc. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I was shopping at XXXX XXXX XXXX in XXXX, CA. I was shopping for gifts for my daughter XXXX 's XXXX Birthday which is today. I went into American Eagle. I noticed that the store had changed. The registers were now in the back. This is similar to many stores during COVID-19. There was a helpful girl who picked out two pairs of jeans for me for my daughter and I stood in line to wait to pay for them. It had been awhile since I had shopped there. I used to shop there a lot! The retail clerk who rang up the purchase asked for my phone number for rewards. I gave her my cell number that I have had for a long time ( 20 plus years ) XXXX. This cell number immediately brought up an email on the transaction screen for me to verify. The email wasn't my email. The email on the screen was : XXXX. I told her that it wasn't my email. She said, " You can change it at home on the website. '' I said, " Okay. '' Then, she asked if I wanted to sign up for a RETAIL only credit card for AE. I told her and showed her my AE Visa card. She said this is a RETAIL card for AE only so it's different. She said if I applied and was approved, I would get {$20.00} off the purchase today. I said okay. So, I entered my Social Security # and income into this same transaction screen that had an unknown email and I was approved. When I got home, I immediately went to the AE website. When I entered my cell number, it said I had an account but none of my known emails worked to access the account to change the email. When I entered XXXX which was associated with my cell, I could not get in b/c it wanted me to verify that email and it's not mine. At home, I noticed that my AE Visa had expired in XXXX and they never sent me another one. I also noticed that it wasn't a Retail Card at all ; it was another AE VISA ( see receipt ). This is fraud ; and I reported this to XXXX Sheriff and now I'm reporting it to you. If we can trace who created XXXX we can track who committed this fraud.
Consumer complaint received 2021-08-10
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: JPMORGAN CHASE & CO. (NJ)

I have these accounts that are not mine and i want them to be removed from my credit report.

1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I went to Bank of America to wire money for escrow domestically. I sent XXXX and they misspelled a name to the recipient bank. My realtor called me stating the bank had not received the funds in 2 days, which should have took one day max. I go back on XXXX to Bank of America to send another XXXX to escrow in which this case everything was spelled correctly and the escrow bank received the money in 10 mins. Since then I have tried multiple times to call bank of americas wire department to cancel the first wire and I have little to no help. They give me a confirmation number but will not email me or send me proof of cancelation. It has been over two weeks and my money is neither in my bank account or received by escrow. I just need the money urgently to close escrow next month and the Bank of America call representatives are no help. They can not give me a timeframe for the money to get refunded, no guarantee on refunds. They requested additional info such as the recipients full legal name and date of birth. My bank account shows the XXXX in terms of processing and a hold on it. I feel helpless in getting back my money for escrow. Its been two weeks, it should have been back in my account or at least situated into escrows account. Thank you for your help.
Consumer complaint received 2021-08-16
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. (GA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-08-16
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.