davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
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: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (NC)

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error- therefore. 


According to 15 U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2019-06-08
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: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2018 my TD Bank Visa Credit Card was charged {$180.00} without my knowledge or permission. The merchant was XXXX XXXX XXXX and I never did business with this merchant nor did I receive any benefit for this transaction. I reported the transaction as fraud to TD Bank. I canceled the card and was issued a new credit card. The bank is still charging me for this transaction including interest even though TD Bank promised to remove this transaction from my account months ago. Please ask TD Bank to credit my account {$180.00} for this transaction along with any interest and fees associated with this fraudulent transaction. Thank you.
Consumer complaint received 2017-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (FL)

There is a medical collection on both XXXX and XXXX reports in the amount of XXXX. This debt has been removed and re appeared on my credit reports with out me being notified. Its not on my XXXX report though. I tried to resolve this with the credit bureaus and got no where. It has been sold several times to multiple collections agencies and not once did I receive notice of this. This was added to those credit reports on XXXX. When I did the online disputes it was removed then added back under a different collections agency.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NM)

Sir - The debt was originally with XXXX Hosptial which I was paying off in installments and reduced to {$1000.00} in XX/XX/2018. Then without mentioning to me, the debt was transferred to Frost Arnett ( account XXXX ) on XX/XX/2018. However on XX/XX/2018, I paid XXXX Hospital {$200.00}. The letter from Frost Arnett arrived on XX/XX/XXXX When I got the letter I called Frost Arnett immediately and informed them that my debt was only {$800.00}. The person said that they would check about the payment of {$200.00} to XXXX and never called back which he said they would do. I called XXXX also I filled a complaint already with Frost Arnett asking them - why dont you verify the {$200.00} which I paid and reduce my debt by {$200.00}? No Answer. Lastly I said that I would file with FTC and XXXX if I didnt hear by XX/XX/XXXX which I am now doing. I even paid Frost Arnett {$400.00} but I will go further until I hear that my {$200.00} direct payment to XXXX has been credited I have uploaded and shown Frost Arnett the  echeck of XXXX XXXX XXXX cashed by XXXX on XX/XX/XXXX to no avail - why dont FA call or write XXXX about the {$200.00} which I wont pay twice XXXX XXXX XXXX
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (OH)

These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt.
Consumer complaint received 2020-09-18
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: Experian Information Solutions 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 2019-06-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been disputing my Date of First Delinquency ( DOFD ) for XXXX  XXXX XXXX for months with Experian. Experian is not correcting it after promising numerous times to remove the information manually. XXXX, a supervisor from the Texas office called me on XX/XX/XXXX and said he was persaonally removing the delinquencies manually right then, and they should take effect within 48-72 hours. A call on XX/XX/XXXX to XXXX, another supervisor from the XXXX XXXX office, said nothing was done and the notes were vague and only read " All concerns addressed ''. I have proof of this from XXXX XXXX XXXX which I am attaching. The DOFD is XX/XX/XXXX and the account was brought current in XX/XX/XXXX. Please correct the DOFD and remove all late payments for this account. 

XXXX XXXX XXXX is not reporting the Date of First Delinquency ( DOFD ) accurately to the credit bureaus. The account is not current but the payment history is inaccurate. The correct date of first delinquency is XX/XX/XXXX. XXXX  XXXX XXXX is not reporting any first date of delinquency. Multiple attempts have been made to correct this but they are unable or unwilling to correct it. They gave me an account history from XX/XX/XXXX which shows the correct first date of default, but they are not correcting it to the bureaus. The credit bureaus do not accept payment histories. 

Late payments, called delinquencies, are deleted seven years from the original delinquency date of the debt after which it was never again current ... If you miss three payments in a row, your account would be reported 90 days late. The seven-year period would begin with the first payment you missed in that series. All three payments would be deleted seven years from that date. The date is called the " original delinquency date, '' or sometimes the " date of first delinquency. '' Please correct the date of first delinquency to XX/XX/XXXX and remove all late payments in that series through XX/XX/XXXX.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (GA)

During the months of XX/XX/XXXX ' and XX/XX/XXXX my mortgage was deemed late via Rocket Mortgage. My bank had a glitch within the bill pay system. As you can see I haven't been late since or before.
Consumer complaint received 2021-11-10
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: Experian Information Solutions Inc. (FL)

I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting 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. 

No consent is Identity Theft. I demand that these account and inquiries be deleted from my consumer report immediately. 

Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CT)

My debit and credit cards that are attached to Google Play has been used to make unauthorized charges within several apps. I do not know who utilized my cards but the transactions were NOT authorized by me. I have tried contacting Google in regards to these unauthorized charges that date from XX/XX/XXXX all the way to XX/XX/XXXX. They have denied my claim on multiple occasions. These charges stem from people that reside all the way in XXXX and XXXX XXXX.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

This debt was already paid by the insurance company. I was applying for a credit card and the credit line was declined due to the negative factor on my credit report. 
This is how appears on the XXXX credit report. 
" Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/2019 Thank you
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (FL)

I believe the account is invalid. CELTIC/CONT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CELTIC/CONT XXXX
Consumer complaint received 2023-01-11
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. (CA)

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 the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for 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 the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth Circuit, XXXX. XXXX, XXXX vs XXXX XXXX XXXX inaccurate reporting due to intentional defamation/ no consent reporting.
Consumer complaint received 2019-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NJ)

My wells fargo rewrads credit card was closed, Wells fargo forfeited my Go Far rewards points ( about XXXX ), after several calls to wells fargo, they said there was nothing they can help me with.
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TX)

I have asked credit collection services to verify the debt they are trying to collect as mine per FCRA regulations and they refuse to respond. Yet they promptly respond to the credit bureaus every single time i attempt to dispute the inaccurate information. I am horrified at the lack of responsibility.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION (MD)

I opened an account online, received a debt card and everything. One day after having the account less than 30 days the card wouldnt work. Called navy federal credit union and was told my account was under fraud review. Got transferred and was told the account isnt for use due to discrepancies while opening the account. When I ask what discrepancy, was told I can only receive that information through a subpoena. Ive never been denied a bank account. Asked multiple time what would be reasons for this and was told repeatedly I could only get it through a subpoena. Was told any funds I already deposited I could access at the bank and close the account. What in the world is going on??? I cant even log in to get the account number
Consumer complaint received 2022-04-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synter Resource Group, LLC. (TX)

I would like to file a complaint on XXXX. Company harrass me at my Job, sending me false documents of court dates stating I am being sued by XXXX XXXX. Has done so since 2018. They call my job and personal cell, and it is very embarrassing. Number they are calling from now is XXXX XXXX XXXX. The representatives are extremely rude.
Consumer complaint received 2021-11-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

My load had been in the Forbearance Suspension. I had missed a few payments but resumed with payments during this time. The suspension ended XX/XX/XXXX ; however, Wells Fargo had been pushing me to do a COVID relief loan for the amount owed even after I told them I was not interested in workout options. I told they I wanted to pay my balance on XX/XX/XXXX and it took them until XXXX to remove my file from their Home Preservation team. In the interim several payments had been made include a payment of {$15000.00} made on XX/XX/XXXX, which set on my account for two weeks unapplied. As of my recent statement there still appears to have unapplied payments. My outstanding balance at the time the {$15000.00} payment was made was {$220000.00}. This payment should have brought my balance to {$200000.00}. In a letter dated XX/XX/XXXX, they said I owed, {$17000.00}. I also noticed property taxes had been paid but I don't think it was paid from the Escrow account as it should be. I do not feel Wells Fargo has applied my payments correctly and now saying I still owe {$5600.00} when I paid $ XXXX of the $ XXXX they said I owed to bring my account current and now wanting to accelerate my loan to foreclosure requesting this amount be paid by XX/XX/XXXX. I want a full ledger of my account. I would also like to receive a ledger of the custodian accounts ( T & I ) and Escrow accounts to be reviewed by my personal attorney.
Consumer complaint received 2021-11-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (IA)

I had my payroll checks deposited into my checking account, went to get money from my paycheck which was just direct deposited and they said that the money was on hold for a debt. I said they cant take 100 % of your paycheck for a debt and they said yes they could. This was in XX/XX/2015. There was only one ever successful small claims, it was to pay XXXX   XXXX XXXX for 350 credit limit which they charged me over a XXXX for but they are still trying to garnish my wages so Wells Fargo never paid them that money and there is no account of my money going elsewhere, so can I have all my illegally taken money please? I lost my job because i didnt have any money for gas and I had to pay short term loan interest rates for the next year and im still paying for debt created by them stealing and losing my money, closing my account and Losing any record of where they put all my paychecks
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

I called XXXX and ask for the original Documents to verify my account and no help at all, they post 2 account on my XXXX Report. 
account # 1 {$420.00} account # 2 {$490.00} I called the Original Creditor XXXX XXXX for more help and they told me i'm not on the system! 
the account does not belong to me!
Consumer complaint received 2021-11-10
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)

This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Experian has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified.

Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Experian must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Experian and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (GA)

I need your help, I noticed incorrect information being reported on my credit. From my understanding by law, you guys are supposed to report accurate information and your not. Please investigate these accounts for Maximum accuracy the remove NOW! Without permissible purpose anything on a clients consumer report without permissible purpose is considered identity theft.
Consumer complaint received 2019-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES (VA)

XXXX and XXXX has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a penny of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.