davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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. (MI)

in accordance with the Fair Credit Reporting act, XXXX, Equifax and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX REPORT NUMBER : XXXX
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NJ)

XXXX XXXX, XXXX Dovenmuehle fraudulently purchased home insurance on my property and is forcing me to buy home insurance. My LTV is at 45 % .Due to the fact my loan was sold to XXXX XXXX shortly after obtaining mortgage in XX/XX/2016 I am not required to carry private home insurance when LTV is at 80 % or less. 

The extortion, fraud and harrassment need to stop now!
Consumer complaint received 2018-03-02
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: EQUIFAX, INC. (OH)

I am continually being called on the telephone from XXXX firm over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (MD)

The credit card company discover filed a law suit against me for XXXX on a time barred debt. I live in Maryland where the statue of limitations is 3 years the account closed on XX/XX/XXXX law suit was filed XX/XX/XXXX. I called them to try to make a deal to avoid court but by doing this It violated my rights by reinstating the old debt because it is illegal to file a law suit on a time barred debt ( I did not know this at the time ). The company discover broke the law to get me to contact them about the time barred debt.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

XXXX stopped sending me a bill because I had a phone conversation in XX/XX/XXXX where I asked them to stop contacting me. I meant stop calling me. They considered it a cease and desist. I run a business and bought another car around the same time. I had the same amount of payments so I never noticed I wasn't paying for my XXXX XXXX. It wasn't until we got an account somewhere that they told me I had the van charged off on my credit, that I became aware of any of this on XX/XX/XXXX and at that time I XXXX XXXX the back pay and fees in 2 payments for XX/XX/XXXX thru XX/XX/XXXX. I then began paying online and on time. I then called them and asked them to take the charge off, off of my credit report they stated they would not and that it would be on my credit for 7 to 10 years. I then got an attorney to ask them to remove this on XXXX XXXX as we are current and they denied this as well. 
I have proof that the van is current and we are paying however it is still on my credit as a charge off. I would like to get this removed by XXXX XXXX. But as of to this date they are unwilling to do so.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

On or about XX/XX/2019, I received a notification from my credit monitoring company that Home Depot Credit Card Services reported an over 30 days past due on my credit report. 

On or about XX/XX/2019, I called Home Depot to place both my Home Depot Credit cards on auto-pay, as I was planning on going on an extended military field op. 

The disconnect was that the representative who took my call only put one of the two credit cards on auto-pay. 

I later requested that HomeDepot review the call and to investigate this error further. I asked for HomeDepot to reverse this credit reporting to reflect an accurate representation of creditworthiness. 

After a month, I called Home Depot to get an update about the status of the case. I was told that their investigation concluded that Home Depot was not at fault and that they will not reverse the reporting. I asked if anyone listened to the calls and was told in a very unsympathetic way that Home Depot investigation was final and that there was nothing else I could do. When I asked whether I can speak to the department which investigated my claims, I was told that they do not communicate with customers directly. 

I am not asking Home Depot to remove the +30 days past due as some favor ; I am asking for them to remove it because it is inaccurate and because it is the right thing to do. 

I have 3 credit cards with home depot : two of mine and one of my wife. We maintain active balances and have NEVER been late on any of our payments.
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Hello, Wells Fargo has been down for like 2 days now leaving customers including myself unable to access our accounts. I don't understand how the country 's 4th largest bank can have a nationwide shutdown due to one facility being down. Clearly Wells Fargo has no proper plans in place to protect their customers from a catastrophic meltdown and no contingency plans. This is outrageous and requires CFPB oversight and fines.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AK)

My war with Wells Fargo Bank began XX/XX/2020. I made a {$1300.00} transfer from my XXXX  checking account to XXXX XXXX in XXXX, Alaska. Transfer went through but to a XXXX XXXX XXXX account located in Texas. This was the time XXXX was being accused of having fake accounts and transferring money into those accounts. I feel this is what happened to me as I do not have any bank accounts in Texas. I contacted XXXX immediately and was informed that this was a bank fraud and I went through that process. I was told that all XXXX had to do was contact the bank in Texas and dispute the transaction. They would not do this. A few days later, my XXXX checking account was closed without my knowledge or any prior notice. 

I have fought this for almost 18 months and have filed appeals on the XXXX decision. Their ultimate decision was that I " authorized '' the transfer. I have argued that the money went into an account that was not mine. I was told they " didn't care if the money went to XXXX XXXX, I authorized the transfer ''. This is totally a case of fraud and using my money for their advantage.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2019-12-18
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. (MI)

Transunion continues to report incorrect information. The appear to let XXXX XXXX ( XXXX XXXX ) and XXXX XXXX list incorrect items on my report. 

XXXX XXXX has failed to follow two mandated court orders which I provided proof to transunion via XXXX XXXX. 

XXXX failed to uphold the decision made in the hearing with MPSC " XXXX '' They did not credit the account accurately and reported that I owed over 1300 for months. They have now placed a XXXX mark on my credit report via XXXX XXXX. MPSC has already investigated XXXX XXXX with decisive findings early XXXX https : //www.michigan.gov/mpsc/XXXX XXXX XXXX DTE failed to uphold the decision made in the hearing with MPSC  " XXXX '' They did not credit the account accurately and reported that I owed over 1300 for months. They have now placed a XXXX mark on my credit report via XXXX XXXX. MPSC has already investigated XXXX XXXX with decisive findings early XX/XX/XXXX. https : //www.michigan.gov/mpsc/XXXX -- XXXX I believe I fall into that category as this company has continuously billed me incorrectly. I moved out of my small 1BD apartment on XXXX XXXX in XX/XX/2018, before this I was living with my fiance and barely used electricity as I was barely home. I also completed a stoppage of service using XXXX 's own online start/stop portal. I also have paperwork from my old apartment detailing my exit. XXXX presumably continued to bill even when I was no longer a tenant there. They claim they have no knowledge of this. But I'm aware I can subpoena for their history and I can have xfinity provide me the data of time that I accessed the XXXX portal to cancel my service. I also have proof that they did not credit my account properly as agreed to during the MPSC hearing as XXXX XXXX stated my account hadn't been credited. XXXX XXXX  is in direct violation of a court order and the Fair Credit Reporting Act. I also wish to seek damages XXXX XXXX XXXX XXXX has erroneous reported late payments and has not provided a ledger or responded to our audit to validate this. I have proof via emails and receipts of their negligent nature in regards to billing.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (GA)

I opened the chase total checking account at XX/XX/2019 on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I clicked the Open an account button and applied for the total checking account. It shows that the coupon code automatically applied. And I will get {$300.00} bonus if I make a direct deposit within 60 days. Thus, I made a direct deposit at XX/XX/2019, but I do not receive the bonus yet. I have contacted the Chase at XX/XX/2019, they tell me that I do not apply coupon code on my account. However, when I open the account, it shows that the coupon code automatically applied.
Consumer complaint received 2019-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (MN)

In 2018 I was put on a hardship program for a reduced interest amount and payment amount at one main financial.  I asked to change my payment withdrawal date and due date from the XXXX to the XXXX of each month. They agreed to {$78.00} a month drafted the XXXX of each month. They neglected to tell me my due date was never changed so I received a late fee plus daily interest charges for they payment being late. They set up the payment withdrawals dates and a year later plus they finally told me I was being charged late fees. I borrowed {$5000.00} and have paid one main financial about {$2500.00} in total payments but only have {$1000.00} of the principal paid down. I get that I owe the money, but being charged unknown late fees and then a year later being on the program they offer to move my due date. I thought they moved my due date in the first place. Instead I have several months of late fees that are uncalled for.
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Harassing me regarding a charge off by another collector that I don't know about. I received notice regarding an alleged debt which was charged off and then purchased by Portfolio Recovery. This account has been previously disputed and deleted from all 3 credit bureaus because it was not validated as mine and recently reinserted without proper notification to me. I have once again asked for documentation proof that I owe this debt because I am unaware. I requested signed contracts and method of which this debt was being paid. I called multiple times to obtain this information and it was not received. The last time the supervisor XXXX took the call and stated they did not have a signed contract from the original creditor on terms and conditions pages or methods of how it was originally being paid. I told her I needed proof not just basic information that is public record. This harassment for payment for something as my right to request valid documentation. Portfolio was unable to properly validate the debt in previous disputes which is why it was removed from my credit files. Now they illegally reinserted it without any notification and still aren't responding with proper validation.
Consumer complaint received 2019-12-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (VA)

I receive numerous calls from several numbers with all different area codes 4 to 5 times a day. I have called the numbers back and they all lead back to the same company. They call my cell phone, my work phone, my grandmother 's phone. Today I received an inbox on XXXX, from my ex sister in law from 8 years ago, that someone reached out to my ex brother in law looking for me. I called the number back and it is again the same company. I have never even used him as a reference, the only thing I can think of is that they linked our uncommon last names and asked if he knows me.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America has begun charging a 3 % service fees on transactions I have made with online retailers. The transactions all take place on US websites and are conducted in US dollars -- no foreign currencies are involved at all. When I inquired about the charges with BofA I was told these retailers are using foreign banks to process their transactions. When I pressed them on what additional costs BofA is incurring versus a U.S. bank  the customer reps said they did not know. However, when I asked the retailers about this the retailers claim they use US banks for US transactions not foreign banks for transactions in the US. This has now happened with at least 3 different retailers/vendors that I use. When I used other credit/debit cards for these transactions I am not charged any service fee.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (MD)

Chase bank closed my newly approved bank account and hold my fund last 3 weeks, stl no sign of my money. 

Chase sent me a letter saying that they have right to close any account without any notice. 

They are doing discrimination on which account close or open. I just don't get it. I did everything chase asked to do, now my $ XXXX is in chase bank pocket and I don't know how I am getting my money back.
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (CA)

Between XXXX - XXXX I acquired long-term installments loans concurrently with the following companies : Check N Go, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. 

I struggled to pay the installments for each of these loans and have reached the conclusion that these businesses did not adhere to the laws 1041.5 ( Ability-to-repay determination required ) and 1041.4 ( Identification of unfair and abusive practice ). 

In regard to Check N Go, on some occasions I was allowed to make a partial payment toward my existing installment loan in order to apply for a greater loan. This may fall under the definition of " rollover '', in which is prohibited in California. 

Additionally, XXXX XXXX allowed me to obtain a Payday Loan and Installment Loan at the same time. 

During this horrific period, I was robbing Peter to pay Paul and consequently was stressed beyond belief.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (DC)

My mortgage with PennyMac was paid in full on XX/XX/19. The mortgage still shows on my credit report and needs to be removed right away. PennyMac has failed to report to payoff to the credit bureaus timely.
Consumer complaint received 2019-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

I filled bankruptcy in XXXX of XXXX. 

My mortgage pymts are {$2000.00} my trustee pymts are {$580.00}. 

XXXX of XXXX my car went into the shop and I had to pay XXXX to get it fixed which I got behind on my mortgage pymts. 

I receive notification from my mortgage company wanting the courts to remove the automatic stay to proceed with foreclosure on my home. Which Ive been paying every month with the exception of being short $ XXXX. 

My Bk attorney sent me the payment arrangements they are wanting me to pay to catch up my mortgage which included their attorney fees. Which brings it to XXXX and they are wanting me to pay {$870.00} additional to my already {$2000.00} mortgage payment and {$580.00} Bk pymt for 12 months. I told them I can afford {$500.00} amonth along with my income tax for 18months. 

They are threatening foreclosure. Ive been paying my full mortgage on time since XXXX. 

I dont want to loose my house and its not like I just totally stop paying.
Consumer complaint received 2021-08-30
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. (FL)

I've tried disputing with XXXX  XXXX on more than three occasion but they keep reporting me late for the past 16 months although I have a written agreement with them
Consumer complaint received 2019-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit