davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 2022-05-18
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX account # 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 2022-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (PA)

I was contacted by XXXX XXXX from Hunter Warfield on XX/XX/2022 at XXXX XXXX. She informed me she was attempting to collect a debt from XXXX XXXX, my previous apartment complex. She inquired about " what could be done to settle the debt today ''. I asked about the debt amount and etiology of the charges. She stated I owed {$1700.00} for " damages and early lease termination ''. She was unable to specify the type of damages or further information regarding the debt. She also informed me that I was sent to collections alongside the previous co-tenant. I discussed that I had an ex-parte restraining order against the co-tenant and that I had a detailed video of the apartment when I moved out. She asked me to email all the documentation to XXXX. 
I emailed the documents at XXXX XXXX  on XX/XX/2022. I second a second email on XX/XX/2022 at XXXX XXXX  and requested a debt validation letter containing itemized information regarding the debt, as well as my liability. I further requested information pertaining to the total amount of debt, the date of which the debt was submitted to collections, details of etiology of the debt, and information that irrefutably associated the debt to my obligations. I received no response. 
I spoke with a representative on XX/XX/2022 at XXXX XXXX  and requested the collections case be closed due to the company violating Section 809 of the Fair Debt Collection Practices Act. The representative said that Hunter Warfield is " still waiting to receive detailed information regarding the debt from the original creditor ''. I discussed that, per Section 809, the company has within five days after the initial communication to provide a written notice containing specific information. I requested to speak with XXXX XXXX, the original representative who contacted me, and was informed that XXXX was " unavailable ''. I requested to speak with a supervisor, but was told the supervisor was " not available ''. Finally, I requested to speak with a manager above the supervisor or a member of upper management, and the representative informed me that was not possible. I requested a return call from the supervisor. I did not receive a return call on XX/XX/2022 and left a voicemail requesting a return phone call on XX/XX/2022, I did not receive a return call.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

In XX/XX/XXXX we completed a recast ( or re-amortization ) of our mortgage memorialized by a Mortgage Modification dated XX/XX/XXXX after having made a principal reduction ( aka a curtailment ) to our loan balance. In our cover letter with the Original Mortgage  Modification Agreement and other lender documents we signed and had notarized, we requested a copy of the fully executed copy of the Modification Agreement with AmeriHomes joinder be sent to us for our records. 
We sought from Amerihomes servicer and received via email confirmation dated XX/XX/XXXX that all properly signed documents had been received, and that the requisite changes had been made to our account, including the new total payment amount. 
By return email XX/XX/XXXX we again requested a copy of the Mortgage Modification Agreement with countersigned or joined by Lenders authorized signatories. On XX/XX/XXXX AmeriHome responded via email that they would send us a copy of the Agreement once executed by their officers but that it could take several months After numerous phone calls, on XX/XX/XXXX, over 1 year later, we sent via USPS certified return receipt to AmeriHome an Error Resolution Notice under 12 C.F.R. 1024.35, again requesting a fully and properly executed copy of the Modification Agreement signed by their officers.

They responded by mailing to us, without comment, a copy of the Agreement apparently signed by AmeriHomes officers on XX/XX/XXXX. ( It apparently was left neglected for well over a year ) However, the Officers signature page lacks a notary acknowledgement as to the Officers. 
Please note the comment typed under the AmeriHome signature block on page 4 of this instrument the execution of this Agreement should witnessed and the appropriate acknowledgement clause should be added, if these are requirements under local law. In addition, if required under local law or practice this Agreement should be filed of record.

We are specifically requesting that this instrument be properly executed by the Lenders officers, including witnesses and an acknowledgement by a Notary, and that it be recorded in the official records. In the alternative, we request a satisfactory explanation from the Lender as to why this is not necessary under local law, and that the instrument they sent to us meets the requirements for execution under local law.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NY)

On my Care Credit account I had some promotional purchases with deferred interest for 6 months, which would have 26.99 % interest if not paid off by the end of the promotional period. I also had some purchases with fixed payment reduced APR until paid off. According to my XX/XX/XXXX statement, I had XXXX promotional purchases totaling {$650.00} and XXXX reduced XX/XX/XXXX balances totaling {$1500.00}. I then paid {$1000.00} prior to the XXXX XXXX due date, expecting that this would completely pay off my promotional balances and also make a dent in my reduced APR balance. When I received my XX/XX/XXXX statement, I found that only {$15.00} of my {$1000.00} payment had been allocated to the higher-interest promotional balances, and the rest had been applied the lower-interest balances. I contacted Synchrony Bank by phone and a representative said he was fixing it so the payment would be applied to the promotional balances. He had no explanation for why my payment had been allocated improperly in the first place, other than that this was the way the computer processed it. He had no explanation for why the computer had been programmed to process it this way, or whether this has happened before, or how many other people it has happened to. I request that this be looked into to find out if Synchrony Bank is routinely engaging in this kind of practice to keep customers from paying off promotional balances in time so they can collect the high interest on those balances.
Consumer complaint received 2022-09-28
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)

Equifax failed to properly investigate unverified accounts and remove them per 15usc 1692 g ( b ) iii, per 15usc 1681, resulting in violation 18usc241.

Fact- Notice of no further investigation would be permitted violating 15usc1681d ( b ) ( c ), 1681 ( d ) 3, 15usc 1681E ( a ) ( b ) The apparent willful neglect of 15usc 1681 ( L ), 15 usc1681 ( m ).

Upon request of contract of obligation I was five false documents that showed no judgment of account or contract of agreement. Violating 15usc1692j. I am due remedy for these violations against me under 15usc1681o. The accounts unverified are XXXX XXXX XXXX reporting since XX/XX/XXXX XXXXXXXX XXXX reporting since XX/XX/XXXX XXXXXXXX XXXX  reporting since XX/XX/XXXX XXXX reporting since XX/XX/XXXX
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is in Violation of the Fair Credit Reporting Act law. They continue to inaccurately report on my Consumer File. They are reporting to Experian blank entries with no status. This kind of reporting is misleading and inaccurate. Their negative reporting is depriving me of my rights that comes with having good Credit.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

My husband and I have been a banking member of TD bank for about 8 years. We not only have a business checking and savings account but also opened a personal checking and savings account with them. We have never had an overdraft, negative balance or any issues that were ever raised with the bank during this time. On Monday XX/XX/2022 we both received separate letters from the " demarketing '' at TD Bank notifying us that they are closing all of our accounts XXXX week of XXXX and the letter provided only a phone number that went to voicemail. No reason was cited and we initially thought the letters were some type of fraud scheme. After leaving approximately 6 voicemails to the number listed on the letter ; i called the customer service number on the back of the card and was advised to speak with a local branch manager. I reached out to a local branch manager who emailed the department because there is no direct contact with them client facing or at the branch level. My husband works in the XXXX XXXX, I, myself have a XXXX XXXX  and we are fully aware of XXXX issues that occurs nationwide; but the bank refused to explain anything other than " they reserve the right to close without issuing a reason, '' which is totally unprofessional and left us feeling a bit like criminals. We currently have a professional medical business account with them and closing our account without any dialogue and appropriate time ( less than three weeks ) is one of the worst experiences I have had with a bank. Understanding business is business we at a minimum after 8 years would appreciate an opportunity to discuss the issue they are seeing and allow us the opportunity to maintain the relationship if we can explain, rectify or even demonstrate they are wrong. After digging into TD 's reviews and practices, it appears that this happens regularly and people never hear back or are never given an opportunity to clarify if the bank is mistaken in its assumptions. We are now in a bind to open another bank account and transfer all of our normal operations over within a short time. In writing this I am hoping TD reaches out to me and affords us the opportunity to work with them in maintaining our accounts and allowing us to correct any issues. Reference # XXXX
Consumer complaint received 2019-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

I have been making my payment ( s ) on time for the past 13 months and my mortgage company is reporting to all ( 3 ) credit bureau that my payments have been late. I always submit all my payments on time. Due to the fact, my lender has been sold to another company they do not process my payments on time.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, 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 following accounts has violated my rights to privacy, I have sent EXPERIAN XXXX letters in regards to the following accounts and have also stated the violations that they are in, EXPERIAN has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EXPERIAN DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS. 

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XX/XX/XXXX - # XXXX US Dept of Ed XX/XX/XXXX - # XXXX US Dept of EdXXXX XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EXPERIAN to report any NON PUBLIC INFORMATION, You have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tulsa Adjustment Bureau (OK)

Services were on XX/XX/2019 from an imaging location. The single account had 3 claims, all part of the same service/procedure but what TAB did was broke it out I to 3 of their own accounts and then reported each one individually to my credit. When I brought this up and reviewed the original bill and the letter from TAB it was represented as 1 single  account yet they broke it out, essentially multiplying the impact on my credit, and refused to correct or even explain how this occurred.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act, The agencies listed below, has violated my rights. 

XXXX XXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ) XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX ) XXXXXXXX XXXX ( ACCOUNT # XXXX ) XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES (RI)

I contacted XXXX at the end of XX/XX/2022 because I had just secured a new job and I needed to clear an old debt with them before my license in Massachusetts could be granted. They transferred the debt to Zwicker and associates in XXXX, MA to handle. I received an email from XXXX that I could call and pay the debt 2 days later. I have been calling them frequently and I still can't make a payment. They keep telling me that the account is on hold but can't tell me why or how long it's going to take. When I mentioned that I feel I may need a lawyer, a manager told me that may not be a bad idea. I don't understand how they can put this on my credit report but won't let me pay it.
Consumer complaint received 2019-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Mortgage account XXXX XXXX and XXXX XXXX My wife and Ipaid off our mortgage loan, initially they had charged and refund a sewer tax for XXXX that Wells Fargo actually never made a payment. When asking for the payoff amount I explained this and was told they opened a case. This took place in XXXX after not hearing again I paid the amount due as they requested. I figured they would add it to the amount refunded to me. Well 5 phone calls later and a person who actually looked into it finally apologized that I needed to go through this. On XX/XX/XXXX @ XXXX XXXX said it would take 3-7 days to receive the amount. So on XX/XX/XXXX, I wired the amount they requested and Wells Fargo received it before days end and showed paid off. Today I am still waiting for my refund that they said was refunded on XX/XX/XXXX. 

I called again today and spoke to XXXX, also a pleasant person very apologetic. He said wait till Tuesday XX/XX/XXXX, they mailed it regular mail. I was told not to mail it regular mail did what I was informed to do and have to wait till maybe XX/XX/XXXX for my money owed me. This is XXXX week so when do I finally get my money if I don't receive it by XX/XX/XXXX? 

I hope there is some rule or law about someone have to wait all this time to get their money back ... Why does a bank require their money on their date or you pay a late charge, but they can take their time refunding?
Consumer complaint received 2022-05-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I open an account with bank America and closed the account the same year but on there they had reported it as fraud act which never happen. Yes I owed funds but never any fraudulent act in which is being reported on my credit file and isnt allowing me to get a bank account or business account for my company. Ive paid off the amount old as I have a receipt from the bank when I went to pay the balance. But Im still getting reports that there is a fraud being showing to other bank, I would like to please remove that as Im getting frustrated and would be taking legal actions if this dont get taken care of by end of month.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act, The agencies listed below, has violated my rights. 

XXXX XXXX XXXX ( ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX ) XXXX XXXX  ( ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) 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 2021-10-30
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-03-11
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. (PA)

I am not liable for this debt with the following third party collections and other agencies : 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 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  I do not have a contract with them and they did not provide me with the original contract as I requested.