davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

We Closed on a {$260000.00} XXXX XXXX on XX/XX/2016 with XXXX XXXX, due to an enticement of $ XXXX XXXX credit at closing ( see attached closing document ) which I was told would fund my property tax & insurance escrow & payments , among other items. I was told by the mortgage broker, XXXX XXXX, that I had to have an escrow to receive the full funding and I could cancel the escrow in the future because my loan to value was only 30 % - 40 %. I would NOT have accepted the mortgage without that proviso. This is supported by verbiage in the closing documents ( attached ) which states, a ) " For now, you will have an escrow account ... '', and on the same page, b ) " In the future, you may be able to cancel your escrow account, but if you do, you must pay your property costs directly. '' I am prepared to do this, as I have had many different homes & mortgages for XXXX years and have always paid my own taxes & insurance. 
In XX/XX/XXXX XXXX merged with HomePoint Financial, who now services the mortgage, and is now requiring a significant increase in my payments to cover their required " cushion ''. 
Upon receipt of this significant increase notification, I called to cancel the escrow & was told by a customer representative I could not, as this was a HomePoint Financial requirement. I explained those were not the terms of my mortgage and that didn't matter. I spoke to a HomePoint manager in XXXX, TX, XXXX XXXX, who reiterated the HomePoint policy of required escrows. 
In addition to being in breach of the contract we signed with XXXX, which contract survives their merger, I believe that this is merely a mechanism to slowly regain the funds given to me at the original closing by retaining thousands of " excess '' dollars of my money in their reserves earning interest & gains for them versus in my accounts. Im sure they take this unlawful and unethical approach with as many customers as will let them. With as low of a Loan-To-Value ratio as ours is, 30 % - 40 %, they have zero risk of losing money due to non-payment of taxes or insurance.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX 2021, I found 37 fraudulent transactions were made on my American Express Serve Prepaid Debit Accounts. The unauthorized transactions were made from XXXX XXXX to XXXX XXXX. The total amount of unauthorized transactions is {$4300.00}. After I noticed the fraud, I contacted American Express Serve immediately. I asked American Express Serve to replace my card right away and I'd like to dispute all the unauthorized transactions. But they told me I can only dispute the transactions that have been posted and several pending unauthorized transactions can not be disputed until those unauthorized transactions.If they had canceled those pending transactions, I would have lost less money. I also called the police right away. The police created a report for me. I filled the dispute forms that American Express Serve emailed to me with all the unauthorized transactions and submitted online. But the dispute was declined by American Express Serve without any reason explained. I re-opened all the disputes. At the same time, I contacted the stores where the fraudulent transactions were made and confirmed the person who made all the transactions with evidence. I submitted the dispute forms with the suspect information and the police report on XXXX XXXX 2021. After XXXX business days waiting, American Express Serve declined my dispute again without any explanations. All the fraudulent transactions were made online. But I have never made any online purchase using my American Express Serve Prepaid Debit Accounts since I activated this card which can be seen from my transaction history. I am so disappointed with the decision that American Express Serve made. I have provided everything for them to prove all the fraudulent transactions were made not by me. But they didn't look at the document. If American Express Serve had contacted any of the stores where the fraudulent transactions were made, they would have known who the suspect was. Unfortunately, American Express Serve didn't contact them. So I believe American Express Serve made the decision even without looking at the dispute form or making any investigation.
Consumer complaint received 2020-11-05
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: ALLY FINANCIAL INC. (TN)

Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2020-11-05
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 sent a valid FTC report to Equifax, XXXX  and XXXX. XXXX  and XXXX  immediately fixed the problem, but Equifax has not responded at all. This is frustrating as I am very responsible with my credit. The account does not belong to me and should be investigated and removed.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2022 i sent XXXX payments for {$40.00} each {$80.00} total. While never having used XXXX before through Wells Fargo, it is advertised as powered by Wells Fargo. I figured if it's built into the Wells Fargo app and advertised as a Wells Fargo product that they would have my back if there was any issues. I was scammed out of the {$80.00}. I reported it to Wells Fargo immediately and they are refusing to do anything about it as if it's a completely different company that they have no ownership interest or contracts with XXXX. It is fraud plain and simple but Wells Fargo refuses to accept it as fraud.
Consumer complaint received 2021-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed to the credit bureaus several accounts because of inaccurate and incomplete information that are ruining my credit report, but i haven't received any response from none of the XXXX bureaus.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (FL)

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain account using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this context.XXXX XXXX XXXX
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX Experian opened my dispute for account XXXX XXXX XXXX XXXX They updated it on XX/XX/XXXX stating this account was REMOVED from my credit report. Then on XX/XX/XXXX they reinserted this account to my credit report with no explanation or did NOT send me a notice 5 days prior to the reinsertion and that is a FCRA violation. I have sent them countless letters asking for an explanation and to validate this account to make sure it is accurate and I feel like no investigation is being done correctly as per FCRA guidelines.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; XX/XX/XXXXyear ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file!
Consumer complaint received 2021-06-08
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: Bread Financial Holdings, Inc. (NY)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (FL)

This company has derogatory information listed on my report I have asked for for proper validation they have not done so, I needed the signed agreement for the account they have failed to supply it to me, the account is not mines I never lived at those addresses Ive never obtained credit from this comany JARED GALLERIA, therefore I need them to immediately submit a request to remove the adverse information
Consumer complaint received 2021-06-08
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My brother sent me XXXX from his XXXX XXXX checking account to my Bank of America checking account via XXXX. He sent me the money on XX/XX/2021. I got an email from XXXX stating You received XXXX from XXXX. The money was taken out of his account but never deposited into my account. XXXX XXXX  will not credit him back. We have been calling both banks since XXXX and both banks keep referring us back to the other.
Consumer complaint received 2020-11-05
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)

Someone stole my identity and took a loan under my name from a company that goes by the name XXXX XXXX. I have never taken any loans or done any business with this company. I have tried disputing it with them as well as the bureaus and nothing has been done.
Consumer complaint received 2020-11-05
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. (CA)

I am trying to rent at apartment so today XX/XX/2020 I applied at The XXXX  apartments and when my credit report came back I was told that I did not qualify to rent there due to an accounts reflecting badly on my credit. The account of from XXXX XXXX # XXXX {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using my personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I got a letter from Midland Credit Management saying i owe an alleged debt of XXXX {$850.00} XXXX. I have not done any business with this company nor did I have a contract with this company they are in clear violation of my consumer rights under the FDCPA 15 1692b ( 2 ) stating that I owe an allege debt and 15 usc 1692b ( 5 ) .Midland Credit Management violated my federally protected rights governed under 15 usc 1692c, I have not given them written consent to communicate with any third party reporting agencies ( XXXX  , XXXX  and XXXX  ). Midland Credit Management violated my federally protected rights governed under 15 USC 1692d. ( 2 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2018-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Was not receiving statements starting in XX/XX/2018. Charges were very small. Bank made no alternative attempt to contact me. Had enough rewards credits to pay the bills but they didn't apply them. They cancelled the card and are reporting me as 30-60 days late.
Consumer complaint received 2023-03-19
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. (CA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 

Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scratch Financial, Inc. (TX)

I received an attempt to receive and un-validated and un-verified debt from XXXX. Please review my attached documentation. 

XXXX is violation of the Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Regarding about previous complaint and response from mortgage company. We did not agree because we live in XXXX XXXX County and our house locate in XXXX XXXX County. However, mortgage company pay the property tax to different county which is XXXX XXXX County, they have serious violate rule and regulation to identity APN number and correct county for borrower. At fault, they have to demand the money back from XXXX XXXX county and return to us. We dont have any house or owe the XXXX XXXX County balance. We did not agree with their response
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERIS BANCORP (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXXXXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with XXXX XXXX Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 



15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Yours Sincerely XXXX XXXX