davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-25
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. (MS)

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 ) 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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (SC)

SECOND REQUEST!!!! 
Company is refusing to remove the item from my credit reports. The item is a valid identity theft issue and the company refuses to validate this account which is also a violation of the fair credit reporting act. I want signatures and social security numbers, address or else I will be forwarding this to a consumer attorney to sue them directly. You also never mailed me the first collection letter giving me the opportunity to contest this collector account. You have violated my rights in three different ways and I will continue to fight this legally!!!!!!!
Consumer complaint received 2022-08-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX, I received notification from Equifax that disputes I filed regarding hard inquiries were completed. I disputed the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

Equifax responded to my disputes with the following statement : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' There is no way these inquiries are valid. I neither gave information to, nor did I authorize those lenders to pull and run my credit. I even spoke with a gentleman from XXXX XXXX and told him specifically NOT to run my credit because I was not looking for financing due to filing for bankruptcy. I was not looking for financing, I had just filed for XXXX  XXXX bankruptcy. It was discharged in XXXX of XXXX.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-05-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

On XX/XX/XXXX I closed on my property with XXXX Bank for {$180000.00}. Then on XX/XX/XXXX records with XXXX XXXX  closed the account showing the debt as paid in FULL ( {$180000.00} ). 
Since then, I have been receiving correspondence from PennyMac stating they're the new servicer of the loan transferred from XXXX XXXX 
Beginning XX/XX/XXXX, I've been sending correspondence to PennyMac inquiring about their GAAP accounting and requesting a contract with PennyMac and my signature as consent. Neither requested items have been furnished for my record and according to XXXX XXXX tax records the account has been satisfied and closed. 
After several failed attempts of me requesting this information from PennyMac on XX/XX/XXXX, I was denied my right to a bill of exchange for payment coupons addressed to the property, which proves a point that the debt doesn't exist. Also on XX/XX/XXXX, I was addressed to Cease and Desist, and I don't understand that response. I'm dealing with threats of foreclosure with no proof of claim from PennyMac.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Debt Management Solutions, LLC (CA)

I received a voicemail on XXXX XXXX requesting a call back from XXXX XXXX with Nationwide DMS and the number provided was ( XXXX ) XXXX with her extension. I did not call her back. The very next day ( less than 24 hours ) I received a call at work from her. I informed her it was my work number and she said she was aware but she was a debt collection company attempting to collect a debt and she was notifying me that they were pursuing legal action if not paid. I then explained I can not pay, I am in the process of retaining an attorney for bankruptcy. She then proceeded to tell me that these fees can not be included in a bankruptcy which to my knowledge is incorrect but neither I nor she is an attorney and should n't be providing that information. She was very persistent and made it seem like I must call her back today ( if I can pay or make payments ) or they will file suit in small claims court. I called her back a few hours later and she became irritated that I told her I could not pay. She threatened to revoke my drivers license ( this is collection for unpaid tow yard fees ) I told her my license was suspended for a XXXX and she laughed and said " that 's too bad '' and then began to harass me about my living situation. Asked if I lived with my mom, insinuating I do not pay rent and that I could pay the balance. Also said " Well you have a job do n't you? '' These allegations should not be coming from a debt collector. I felt harassed. She would not let me talk and continued to talk over me saying they are going to pursue legal action since I 'm lying about not being able to pay. She then hung up. I called back to talk to her supervisor, and I was unable to get a word in and she hung up again. I called the number she provided in her voicemail the day before to complain about her tactics. I filed a complaint with XXXX. I do n't know if that even would help. I also informed them to remove my work number from their file as it was a XXXX XXXX XXXX. I have never received any written documentation from Nationwide DMS directly. Only the creditor itself.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NY)

I am part of the Pay As You earn repayment plan, however the payments are way too high for a   XXXX   XXXX   living in   XXXX   XXXX   XXXX   where rent and cost of living are ridiculously expensive. I feel that these are things that should be taken into account. I 'm struggling to make these payments.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (FL)

Dear CFPB and BMO Harris, I applied for a new BMO Harris Smart Advantage Checking account and a new Statement Savings account on XX/XX/19. At the time, BMO Harris advertised a {$300.00} bonus for the checking account and a {$200.00} for the statement savings. ( I have attached a print out of the application page that confirms the promo code was attached to my application. ) Both accounts were opened on XX/XX/19. 

The terms and conditions for the bonus, which I also provided as an attachment, specify that " the bonus is paid approximately 120 days after opening. '' Since more than 120 days had passed since my accounts were opened, I contacted BMO Harris via secure message to get an update and inquire about my pending bonuses. For your review, I have attached my secure messages.

A representative of BMO Harris claimed that I have met the requirements for the Statement Savings {$200.00} bonus, however, that I did not meet the requirements for the Smart Advantage Checking {$300.00} bonus. For your review, I have attached the first two statements for the Smart Advantage Checking account which clearly show the required opening minimum deposit of {$25.00} was made, the 10 debit card purchases within 90 days of account opening were made and that the PPD deposits over {$500.00} were made on two consecutive months to meet the requirements for this bonus.

I decided to file through CFPB upon discovering of numerous complaints online regarding BMO Harris ' reputation for not issuing bonuses to depositors who have met promotion requirements. If any party would like additional information or evidence, kindly reach out to me. Thank you very much.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (VA)

Wellsfargo account of my entilment to reveal a opt over draw of my account in which the bank does not charge a over draw free else another transaction is place on the account. XXXX XXXX I was charged with a fee this happen to me before at the bank of auto phone tel verbally statement that my account is clear of all incoming and out going charges and when went to deposit what was owed i was told another pending transaction that cause a large some of money to be owed in which i felt .i was being subjected to cusumer brutality of theft fraudlent collection being place on my account of the banker staff inwhich of swtiching incoming debits to insure that it was a over draft as well as threat of staff threat of service and as well as a personal physical finacial bodily harm threat XX/XX/19
Consumer complaint received 2024-06-01
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: Self Financial Inc. (TX)

Self Lender This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete accounts Self Lender Account # XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, Self Lender is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Install my identity and obtained my XXXX debit card without my permission I have notified Bank of America and has been over a year and they have not done nothing about it with the still pending case
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I have been battling with Equifax for months concerning this last name that do not belong to me. I sent in all the proper documentation showing my name and address. I have requested Equifax to remove and update my name and address and Equifax refuse to correct this incorrect information. XXXX XXXX is not my name and there is a new address on my report that do not belong to me. XXXX XXXX XXXX, XXXX, Ohio XXXX. I sent in my social security card and a copy of my utility bill with my Nevada residency which I have been a residency for years. My name is XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX, nevada XXXX.
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as Equifax, XXXX, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted. This account should be deleted because XXXX is saying I filed bankruptcy and that isn't relative to me. As per the letter XXXX said it would remove the account if I asked. I'm asking XXXX and the bureaus to delete this account..
Consumer complaint received 2019-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I bought a car from XXXX XXXX in XXXX XXXX XXXX and the car was financed to a fraudulent claim from Santander Consumer USA. I have been paying month 1 without, any missed payment or even late. I made {$2200.00} on the capital they don't make the appropriate corrections. All my claims stayed in a deaf hear. 
What can I do
Consumer complaint received 2019-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (SC)

Each company, XXXX XXXX and Paramount Recovery have reported the exact same debt twice ( {$720.00} ) on my credit report. I disputed and XXXX took it off. I have no knowledge of the debt to begin with because I had insurance at that time ( XXXX ) which covers 100 %. The same is true for the other amount of ( $ XXXX+ ) XXXX found that this was not valid and took it off. I believe they did on XXXX too but then it pops back up as a brand new collection after taken down. I do not owe those companies for anything as they have not provided any service to me. I feel I am being harassed by companies trying to ruin my credit.
Consumer complaint received 2019-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (PA)

I am the cosigner on a loan and receive statements from Discover Student Loans. I did the math on a recent statement and found that the actual interest rete being assessed was 10.768 % while the statement had an interest rate of 8.365 % listed. Also the information that is given to the student that is paying the loan back is different than the information given to me and the effective interest rate is higher than the published rate on that statement as well Can they get away with this deception?
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My XXXX  request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We have an issue with deceptive practices that were used by Wells Fargo during the process of obtaining a HELOC ( home equity line of credit ). 

In XXXX of 2019 we applied for a HELOC through the Wells Fargo online banking site. 
We check our credit score regularly through a credit service that is provided by Wells Fargo. At the time of our application and throughout the loan process, the credit service had our credit rating FICO score at XXXX. 
After the application process was underway, we received a letter from Wells Fargo stating that a credit report had been obtained on XX/XX/XXXX from XXXX. This letter stated that our FICO score was XXXX. 

I contacted the Wells Fargo loan processing agent regarding the two different scores. The processing agent did not have an answer as to why there was a difference. She gave me the report processing number and instructed me to contact XXXX to inquire about the score and ask them why they had reported our FICO score as XXXX. 

The XXXX credit specialist informed me that XXXX  does not provide a FICO score, they only provide the lender with the credit report. So why the difference in scores? 
She then went on to explain, after further investigation, that Wells Fargo was using the older Beacon 5 analysis and not the Beacon 8 analysis and this was why there was a difference in the FICO numbers. 

My issue is that Wells Fargo is being deceptive. Wells Fargo provides the consumer a FICO score based on the Beacon 8 scale from the credit check services with XXXX, but uses the Beacon 5 scale and score when obtaining a loan. No where on their website or the disclosure documents does it state that the FICO score for the loan would be judged on a different credit scale.
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have tried to get the XXXX account removed off my credit report as it's reporting different entries across all three credit bureaus. The bureaus aren't doing a proper investigation and are refusing to pay for the violations that have occurred despite the fact they are allowing it to happen. The credit bureaus are supposed to delete the inaccurate information but instead the are using the E-Oscar system. I'm asking for {$1000.00} per month for these violations per the FCRA which have been ongoing despite the proof that I've submitted. I have the right to sue XXXX as well as Equifax, XXXX, and XXXX for willful violations and seek attorney fees. I have asked for statements and a contract and I've yet to be supplied anything. If they can't provide a contract this account needs to be deleted.
Consumer complaint received 2019-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (AL)

Speedy Cash  Overdue for pass loan in the amount of XXXX. Was told of the phone calls and letters sent to home address but has since moved and phone number has been disconnected. Fell on hard times and could not repay loan. Only asking for more time to pay loan
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

in XX/XX/XXXX my daddy XXXX  XXXX ciiti financial sent him letter were we lived an said they want to foreclose on a second mortgage we did not know about. XXXX XXXX my XXXX XXXX daddy had XXXX i took care of him and now is sole owner of the deed. so i started to investigate and found out that loan was satisfied in XX/XX/XXXX and he was paying XXXX dollars a month till XXXX that when they came after him. my sister was handling his money and the bills also upon my investigation i have that my daddy had a medical report in paper from a doctor that he 0 out three recall. the remaining balace from citifinancial was XXXX dollars. and of course when i provided them evidence that i still have they forgive that loan quickly i sorry i do not how to upload but i have a fax machine. here is some info ; estate of XXXX XXXX account ; XXXX son ; XXXX XXXX owner son address ; XXXX XXXX XXXX XXXX fl phone XXXX you probably know what i what. please morning call if you can my family want pursue thats real money THAT THESE PEOPLE STOLE FROM MY DADDY