davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (DE)

I received a letter from SageStream, XXXX. XXXX XXXX, XXXX XXXX, CA, XXXX, dated XX/XX/2021, informing me that it was a confirmation that a security freeze was placed on my SageStream LLC security file. AnPIN was provided in order to remove the freeze. However, I dont have any knowledge of who this business is. I contacted XXXX to place a fraud freeze on my account and can manage it via their website. The business is tricky in that you can not call and speak to anyone. You have to do everything on line. In order for me to remove the freeze, I have to submit my SSAN, photo of my drivers license showing my date of birth, and address and telephone number and I did that on XX/XX/2021 but the freeze has yet to be removed. My concern is I only contacted XXXX and am not sure how or why SageStream would put a freeze on my account. This business needs to have personal contact with legitimate customers who may have questions or concerns.
Consumer complaint received 2020-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

During the Covid-19 Pandemic a Forbearance was offered, I took the three month option with Wells Fargo, at the end of this I filled out the online form to end the Forbearance period XX/XX/2020, no response has been given to me. I called in on XX/XX/2020 and was advised that it takes up to three weeks to receive paperwork and to hold tight, this was never received. 

Follow up email sent through the secure message center of Wells Fargo on XX/XX/2020 and still no response, another email has been sent as calls during the day take multiple hours to get through or just drop half way through, it's exceedingly difficult to get through. 

During these follow-ups i was never advised on how to catch up with the missed Escrow payments as well as applying the payments to the correct time period. 

I'm seriously worried about about what is going to happen next, Wells Fargo has sent me a Foreclosure notice and is at this point blatantly ignoring my tries to get back on track following proper procedure.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/XXXX, I settled a debt with XXXX XXXX XXXX ( XXXX ) for {$380.00}. I received an email with a copy of a letter from them confirming the debt has been settled/paid off the account on XX/XX/XXXX and later received same letter by mail a week later. 

I disputed the account through XXXX on my TransUnion credit report to update my credit file to show that the account has a XXXX balance and has been settled. The dispute return results were returned on XX/XX/XXXX with the following results : Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
This account is settled. 

I again disputed the account on the report directly with TransUnion on XX/XX/XXXX and mailed a copy of the letter from XXXX to TransUnion on XX/XX/XXXX. The dispute results were returned on XX/XX/XXXX, which means that did not wait to receive the letter before making a decision. The dispute I submitted was a manual dispute that required them to wait for the letter or any other attachments for the dispute before making a decision. I later received a copy of their dispute results on XX/XX/XXXX by mail. 

Investigation results for the dispute : Investigation Results - Verified As Accurate : The disputed item was verified as accurate. 

I enclosed a copy of the letter from XXXX, the confirmation for the manual dispute on XX/XX/XXXX for the account, a copy of the letter I mailed TransUnion for the manual dispute on XX/XX/XXXX to reference the dispute, and a copy of the results of the dispute from TransUnion on XX/XX/XXXX.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Accounts Research, Inc. (GA)

On XX/XX/XXXX, I paid my account in full with XXXX XXXX XXXX XXXX ( listed under Accounts Research Inc. ). And on XX/XX/XXXX, I sent a letters to XXXX, XXXX, and XXXX to notify them that the debt has been settled and paid. However a week ago, I noticed that on my three bureau credit report report that XXXX XXXX is reporting a new balance on my account as well as reporting it as a new charge off with notes on the account that is simply not true. My score dropped 64 points. I called and spoke to a representative with the company and she apologized and said that she will update the information and it will be deleted off of my credit report. Fast forward today on XX/XX/XXXX, I woke and noticed my credit score dropped another 32 points because they decided to keep posting this as an active and open charge off when that is a lie the account has been paid in full as of XX/XX/XXXX. This is a CLEAR violation of my rights under the Fair Credit Reporting Act to be reporting this on my credit report for reporting a debt as charged off when you settled or paid it in full and misstating the balance due.The account was opened XX/XX/XXXX, it has reached its statute of reporting time of 7 years anyways this year on XX/XX/XXXX. I demand that this account be removed from my credit report with all 3 bureaus immediately.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  should not be reporting a collection in the amount of {$5600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am negotiating a settlement with XXXX and therefore XXXX XXXX should not be reporting this account. I have attached documentation for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (TN)

The Discover Card company calls me from several different phone numbers several times a day. I have tried to block the numbers to stop getting the calls. They have resorted to calling my parents and the home number of my former residence. None of those numbers that they are calling are connected to my credit card account. They must have searched the numbers through a database.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I should be allowed free access to my credit report and score any time I want without paying for it, its my file, my credit, and my score should be available to me free of charge whenever I request it. I feel its being withheld from me unless I pay money for it. ( ransome ) XXXX, XXXX, and Experian should have to provide scores and reports to consumers upon request for free. 
My experience is my score seems to be running backwards, the more I do to improve my credit the lower my score is going. Also items once removed just reappear, you can not dispute anything, if it does get removed it shows back up the next month. 
Experian was the reporting agency I have been dealing with and getting nowhere. They are sending me a report but I have to pay for my score.
Consumer complaint received 2022-02-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

XXXX filed a XXXX XXXX against my property at XXXX XXXX XXXX XXXX, XXXX, WI XXXX in XXXX. I have tried to obtain the XXXX XXXX documents in the amount of {$12000.00} submitted to HUD and according the XXXX documents XXXX not available. 

XXXX XXXX  XXXX : Requested all XXXX lien documents XXXX XX/XX/XXXX. On XXXX, XXXX XXXX  responded " we were servicing the first XXXX on the above referenced property and unable to locate any other accounts in our records. Please provide a copy of the title report showing the XXXX is outstanding. Also provide copies of recorded Mortgage and assignments and any payoff information you may have, such as a copy of payoff statement and/or the XXXX XXXX XXXX. 

HUD RESPONSE : On XX/XX/XXXX, I submitted a request to HUD and the response stated ... ..When using a XXXX Partial XXXX Option your Servicing Lender ( Servicer ) is required to prepare a Partial Claim promissory Note and subordinate Mortgage for your execution. The Servicer should provide you with a copy of the fully executed documents for your records. The executed Partial Claim subordinate Mortgage will be recorded and will result in a XXXX being placed against your property. 

If you can not locate your copy of the Partial Claim promissory Note or subordinate Mortgage you should contact your Servicer to request a copy of these documents. 

XXXX XXXXXXXX XXXX ; RE : XXXX. 

Action Required : XXXX Mortgage to provide the XXXX lien documents or contact HUD to XXXX documents of the XXXX lien. I would like it sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld reported a debt not belonging to them. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Providing a copy of my last statement is not enough evidence. 
The monies owed was paid to XXXX, the original creditor. Therefore, you should not be reporting this as a collection on my credit report. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDIT COLL ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX )
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MD)

I received a bill from XXXX XXXX even though I never had an account or service with them. My service provider is with XXXX and has been for a very long time. I contacted XXXX and was told they would close the charges against my account as they could not find a wireless telephone number or service usage charges associated with the account in my name. However, XXXX XXXX did not close the account. Now I have been contacted by a debt collection agency XXXX XXXX XXXX requesting I pay {$100.00} for an account that is not mine. Additionally, this account has been added to my credit report. I have filed disputes with the credit reporting agencies and have been unable to get resolution.
Consumer complaint received 2022-07-22
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Reliance Holdings LLC (SC)

On XX/XX/2018 I reached out to my mortgage servicing company, First Reliance Mortgage, and requested information for having PMI removed from my loan. I explained that I believe the value of my home has increased sufficiently to put my LTV around or potentially under 80 % LTV and would like to know my options for removing PMI. I was advised by the representative on the phone that there was no one I could speak with over the phone regarding the analysis of my loan 's LTV situation but that she ( the representative ) would put in a request to the appropriate department to have them send me information through the mail detailing my options for PMI removal. Approximately three weeks later, I received the written details of my options for PMI removal in the mail from First Reliance Mortgage, in which they detail that they require a full appraisal to be ordered ( cost : {$450.00} ) to validate my home value -- rather than offering the more affordable alternative option of having a BPO ordered on the property. This seems to constitute a predatory servicing practice, since the XXXX XXXX website says that a BPO can be ordered to establish the property value for the purpose of removing PMI from the loan. I would like to know why my only option for removing PMI on my loan that they are offering is the more expensive option ( Full Appraisal ). Unfortunately on that initial phone call to the servicer it was made clear to me that there was no department I could speak to at the company who would be able to give me any details, all of it would be handled through written communication.
Consumer complaint received 2018-05-04
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: AMERICAN EXPRESS COMPANY (PA)

I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I CONTACTED AMERICAN EXPRESS AND REPORTED FRAUD ON MY ACCOUNT. THEY TOLD ME THAT I DID DO BUSINESS WITH THIS COMPANY AND ACCUSED ME OF THIS TRANSACTION WHICH I DIDNT MAKE. THIS IS SENIOR CITIZEN ABUSE AND ITS NOT RIGHT THAT THEY DONT BACK THERE CLIENTS. THE CHARGE WAS PUT ON MY CARD ON XX/XX/16 FROM TIMESHARE XXXX XXXX-XXXX PLEASE HELP ME GET MY MONEY BACK.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc. (NC)

Merchant and Medical Credit Corporation violated the Fair Debt Collection Practices Act, Telephone Consumer Protection Act, North Carolina Collection Agency Act, and other applicable state statutes for its ' continual calling me for someone's else debt which I informed the representative several times that this is a wrong number.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Ive been a good customer of Huntington bank for over a year now, rarely have I ever been in the red with them, and I got slapped with a {$150.00} dollar overdraft fee because I booked a hotel and didnt put money in until a couple hours after my 24 hour grace period. Now my account is negative - {$370.00}. I am about to go out of town on business and this cuts into my funds and this is the only bank account I currently have.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

Way2Go removed the bank transfer option, so the only option is to do bill pays direct or withdrawal cash. They note you can call XXXX to do a funds transfer to bank, but after calling and trying all the options, there were not options via the number to do a bank transfer. I need the money in the bank account that I use to pay my bills already. 

I've set up the direct deposit for additonal money to go to my bank. I have XXXX as my bank and they don't have physical branches, so it isn't easy to pull out all the cash ( incurring fees anyway ) and deposit into my bank. 

Way2Go needs to add the bank transfer option back! They are doing this intentionally so you use the money in ways that will incur more fees for them.
Consumer complaint received 2018-05-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: COOLEY ENTERPRISES INC (TX)

In XX/XX/2016 I purchased a vehicle from XXXXXXXX XXXX  XXXX XXXX. The vehicle was financed through XXXXXXXX XXXX 's private finance corporation XXXX XXXX. 

After attempting to trade-in the vehicle at a competitor 's dealership, a XXXX report was run and I was advised that my vehicle had prior structural/frame collision damage to the driver 's side and the rear of the vehicle. This information had not previously been disclosed at the time of purchase. XXXX XXXX violated Chapter 17, subsection E of the Deceptive Trade Practices Act by knowingly selling a vehicle that had prior collision damage and whose value was misrepresented at the time of purchase. The value of my vehicle at present when attempting to trade it in is roughly {$4000.00}, however, the payoff on the vehicle is {$12000.00}, which is nearly triple the actual value of the car, that had pre-existing damage to its frame. 

The conduct of the sales staff at XXXXXXXX XXXX was a producing cause of my damages. XXXX XXXX and XXXX XXXX were in direct benefit from the misleading transaction. 

Section 17.50 of the Texas Business and Commerce Code describes five ( 5 ) types of wrongful acts that can provide a basis for a consumers suit under the DTPA. These include  deceptive acts or practices, breach of warranty, unconscionable course of action, violations of the Texas Insurance Code and violations of tie-in statutes. Section 17.46 ( b ) of the Texas Business and Commerce Code sets  forth the specific acts or practices that are considered false, misleading or deceptive. Because the DTPA does not create any warranties, the plaintiff must rely on other statutory provisions such as the Uniform Commercial Code or the common law to establish the warranty. An unconscionable act or practice means any act that, to the consumers detriment, takes advantage of the consumers lack of knowledge, ability, experience or capacity to a grossly unfair degree.
Consumer complaint received 2020-12-15
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-05-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (NY)

I had an Unemployment Deferment that started XX/XX/XXXX. The Unemployment Deferment ended in XX/XX/XXXX. I received a bill to start payments again. As, I am still not working I filled out to extend the Unemployment Deferment and received word that I could not extend it even though the application asked if this was an extension of a previous Unemployment Deferment. Then I applied for a Hardship Forbearance. I was denied this option as they said I used the allowed forbearance options already. Now I am going into two months behind in payments and they are not willing to work with me. My monthly amount is {$220.00} a month. I am not working and can not pay that right now. They are not willing to work with me in my situation.