davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : Account Number # XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXXXXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name:XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Accont name : XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation
Consumer complaint received 2022-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC (CA)

I am the owner/landlord of one of the property at XXXX, Texas. I have an escrow account with Benchmark Mortgage company and they haven't paid 2021 property taxes yet, even though I have enough amount to pay the 2021 property taxes in the escrow account but due to their either unprofessionalism or negligence they haven't paid the taxes yet. I have been receiving letters from the tax company regarding the penalty charges and due date passed for 2021 taxes to be paid. I called benchmark mortgage company and explained everything about this issue, they mentioned that they will take care and resolve this issue in next 20 days, however it's been more than 20 days till now and they haven't taken any action or paid the taxes yet. I need resolution on this asap.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

On XX/XX/2021 I filed a complaint about Eastern Account Services, a debt collector, to the CFPB. My complaint case number is XXXX. On XX/XX/2021 the CFPB sent me a response from Eastern informing me " Eastern Account System has ceased all collection activity per your request '' and closed the complaint. This afternoon, XXXX XXXX from Eastern Account System, called me about this same debt that is not owed. He claimed he has no notes in his system that they dropped the claim. I forwarded to him the case response I received from the CFPB. 

Please contact them and ask them to stop harassing me.
Consumer complaint received 2019-11-16
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. (KS)

I have a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CT)

I contacted Synchrony Bank on XX/XX/2020 and asked why they closed my XXXX XXXX account and the agent told me XXXX  closed it and a letter was sent. The conversation was picked up on our security camera. I called XXXX  on XX/XX/2020 and they didn't closed this account and legally can't. XXXX  filed a dispute due to no reason why the account was closed. Looking on XXXX they're doing this to thousands of people during a pandemic. I've had excellent standings with this bank and my score from XXXX  has gone up but this will now effect my credit. This bank needs to be investigated. A copy of this report will also go to the current dispute open with XXXX
Consumer complaint received 2022-10-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (TN)

We having trying for over a month to get BSI Financial to either Fax or Email a copy of our Loan Modification Agreement to XXXX XXXX  with no success. I have called and spoken to numerous people and they assure me this will be done. Is it not illegal for them to withhold this information? Please help!
Consumer complaint received 2021-05-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

Several financial institutions are stalling/deny my application for a home loan pre qualification. 
After receiving notice to contact this institution via Dear XXXX XXXX : This e-mail is to acknowledge our receipt of your correspondence on XX/XX/2021. 

Please be advised that the entity you are inquiring about is subject to supervisory oversight by the Consumer Financial Protection Bureau XXXX CFPB XXXX for certain consumer protection laws and regulations. Accordingly, we are forwarding your correspondence to that agency, at the address below, for appropriate attention. 

Consumer Financial Protection Bureau XXXX Box XXXX XXXX, IA XXXX Via Federal Reserve XXXX USDA WELLS FARGO XXXX BANK
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

My credit score is reporting a charge off for XX/XX/XXXX on a account that was charged off XX/XX/XXXX so I have 2 charge offs on one account balance of slightly under $ 8000USD and it is ruining my chance to get a home as it appears every few years again as another charge off on a closed account. XXXX XXXX XXXX  and experian are the culprits of missmanaging information and reporting old history from a account that was closed in XXXX incorrectly so that it still keeps reapearing as a recent charge off when this entire transaction started in XXXX and ended XXXX!!
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC
C/O RESURGENT XXXX XXXX XXXX XXXX XXXX, SC XXXX  PH: XXXX
Made up account # XXXX Creditor XXXX XXXX XXXX  amount XXXX
01 XXXX $XXXX they have put both of these accounts on reports I have disputed these account through the bureaus and no result. 
 
But the problem is , they didn’t provide the documentation that proves I owe them anything . Where is the contract between their company and me ? Where is the full accounting, because I can’t just take their word for it that, I owe some company I’ve never contracted with, some made up number. Where is their license and bond for the state of Florida ?

.
Consumer complaint received 2020-11-19
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I transferred from my Bank of America account to my account in XXXX on XXXX XXXX {$1.00}, in order to pay a home loan and the funds never arrived, on other occasions I had done it without problems I contacted the bank 's Security Department by phone in XXXX / XXXX in view that it had taken many days and they told me that they would refund the money in 30 days, which did not happen In XX/XX/XXXX I traveled to the United States and on XXXX at the XXXX XXXX XXXX FL agency, the advisor XXXX XXXX took the claim under the number XXXX and so far they have not returned my money, I have called many times and they only tell me that it is under review, I have never received any communication about why they have not refunded my money Number Ref XXXX
Consumer complaint received 2019-11-16
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: AMERICAN EXPRESS COMPANY (CA)

This is a follow-up to my original complaint : XXXX Two months ago I submitted a complaint concerning AmEx, expecting to get prompt resolution. Despite my repeated inquiries since this time, I still have no resolution. The response from American Express to my complaint was in effect a non-response and totally unacceptable. They simply punted the issue, leaving me in the exact same position as before. I am still waiting for them to correct their error and unfreeze my account. Another month has passed and still no resolution. This should be very simple. It would take one employee a mere matter of minutes to look at my account, confirm there is nothing even remotely resembling abuse, and then unfreeze my account. I have been a loyal customer for years. To add insult to injury, I called a few days ago for a status report and the representative informed me -- contrary to the response letter from AmEx -- that the freeze was not due to any investigation but was instead a " known technical glitch '' that should be cleared up in days. It still has not been. How can this process possible take months? This delay is outrageous. 

Here is the content my original complaint, sent months ago : " I have been a longtime holder of American Express credit cards. Certain of these cards earn Membership Rewards points, which can be transferred to airline miles programs and used to redeem flights. On XX/XX/XXXX, I attempted to transfer XXXX membership rewards points to XXXX. I need these points to book a long-planned family vacation. When I attempted to transfer the points ( as I have done many times in the past ), I received a message that I was unable to do so because my account is under investigation and has been locked. I called to investigate, and nobody would give me any information despite my repeated attempts. The only information they could provide was 'my account was locked by corporate, ' 'they do not know why, ' 'it is impossible for me to speak with anyone in corporate, ' and 'I should expect to hear more in 6 to 8 weeks or longer when the investigation is complete. ' This is crazy. I need to use these points now or my family will be unable to go on our long-planned vacation. There is no basis whatsoever for withholding my points. I imagine AmEx will eventually figure that out, but forcing me to wait an indefinite period without access to my earned points in unacceptable. ''
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

XXXX XXXX  has me in collections with Enhanced Recovery for equipment and I have my receipt showing I have turned in all equipment. 

XXXX {$720.00} enhanced recovery company This is on my credit report and it needs to be deleted, paid debt.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

The preconstruction and/or construction contract details the amount and costs of the mortgage that is to be financed. Placing the responsibility on XXXX XXXX ultimately causes concern and question regarding why Wells Fargo financed a mortgage for {$12000.00} greater than the amount of the builder 's contract with no evidence that why when this mortgage was closed with Wells Fargo, the check being issued at closing was only {$1200.00} as opposed to {$12000.00} ; citing initial discriminatory misconduct by Wells Fargo and an alleged foreclosure after the structure was paid without documents of an auctioneer name or contract, title search, etc. to seek documents from causes further concern for reporting discriminatory misconduct by Wells Fargo Bank, N. A. ( WFHM ). All correspondence from Wells Fargo Bank, N.A. ( WFHM ) shall only address the name of  the owner of the property, XXXX XXXX XXXX because legal recourse in Federal Court shows action was taken against all other parties. Therefore, this complaint only addresses the concerns of XXXX XXXX XXXX as the owner and paying source for this property.
Consumer complaint received 2019-08-14
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. (AL)

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 XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CT)

Jefferson Capital Systems LLC. and Attorney XXXX XXXX took action for wage garnishment execution via the CT Superior Court on the wrong individual- different name, social, and DOB . Pure negligence to ensure correct information for debtor resulting in wrongful wage garnishment actions against the individual - including sending a XXXX to the wrongfully accused individual 's employer and disclosing debtors personal information to persons other than the debtor or debtor employer. Due to such negligence, CT superior court signed and approved wage garnishments for individuals other than debtors, causing emotional distress to wrongfully accused individuals, debtors, and wrongfully accused individual and debtors family/family income. When trying to contact XXXX XXXX XXXX via phone call, they stated no one was available to speak to me despite being within business hours displayed on the website ( XXXX XXXX XXXX XXXX XXXX ) called XXXX XXXX XXXX  Wrongfully accused received information on debtor via phone call and employer due to XXXX XXXXXXXX disclosing debtor 's personal information. 

Called XXXX today to offer a partial payment amount in return they remove the wrongfully garnished individual 's employer from the court and they denied due to their 10 % fee they charge. Due to XXXX ' lack of due diligence before filing and executing a legal court document, my personal credit information has now been disclosed to CT XXXX XXXX, XXXX XXXX without my permission. XXXX is now in extreme emotional distress and embarrassment of her job of over 20 years. It has now been XXXX XXXX with no attempt at resolution from XXXX XXXX 

XXXX XXXX XXXX, XXXX CT license number : XXXX XXXX XXXX, CT XXXX. XXXX House - XXXX XXXX XXXX XXXX XXXX, CT XXXX Docket # XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX P ) XXXX ^ Tried to contact - Claimed closed business hours via gentleman on above phone line who would not share his name or association with said company Phone ( Listed Via CT Judicial ) : XXXX Email : XXXX Website : XXXX XXXX wage garnishment +Falsified court documents which included individual not debtor - Wrong name, social security, DOB, and middle initial +Emotional distress to wrongfully accused individual and debtor. Created emotional, financial distress within the family. 
+Under FCPA creditor disclosed personal information about debtor CT superior court wrongfully signed off on wage execution against a person other than the debtor Attorney has yet to get back to us - XXXX XXXX XXXX XXXX EXT XXXX XXXX # XXXX
Consumer complaint received 2022-04-27
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. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-27
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. (IL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-04-15
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: FC HoldCo LLC (PA)

On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
Consumer complaint received 2022-04-03
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: Nelnet, Inc. (AL)

The reasons why this is violating my rights by not following Federal Law as Authorized. 
The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.
Consumer complaint received 2020-09-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America closed my account that i had with them for years after reporting fraudulent activity. My purse was stolen from a friends house that I was visiting by another individual who was present at the time. I made bank of america aware of all of this. The person deposited checks into my account that DID NOT have my signature or authorization on it. I attempted to fight this on several occasions. They reported my account to XXXX ( since removed ) and XXXX ( which they own and it appears for 7 years ). This has caused me issues when it comes to opening an account as they label me as " fraud ''. I have researched online and there are several forums in which BOA has done this to hundreds of others without even attempting to investigate the claims. These invests took place in 2014.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (NJ)

I received a gift card from a family member for XXXX ( {$100.00} value ). When I Peeled off the sticker to reveal the gift code, it damaged the card. The code was illegible. 

I contacted XXXX XX/XX/XXXX and they referred me to XXXX XXXX ( incomm.com ), their partner company that issues the card. 

I complied with the link, leaving my contact information ( multiple times ) and did not hear back from them. 

I contacted XXXX again and was told they could do nothing and did not have a phone number for XXXX XXXX  ( incomm.com ). I followed up with an e-mail and was given the same incomm.com link on XX/XX/XXXX. 

I tried several more times to request help from incomm.com, with no response. 

I Contacted XXXX again on XX/XX/XXXX and was given a contact number XXXX to contact XXXXt XXXX I was prompted to use a credit card to be eligible for a {$100.00} credit. When I spoke with an agent and told him why I was contacting them, he hung up. 

I have the card, never used, and my family member has the receipt for the card and its purchase. It is unacceptable to have to wait this long for any response AND that a major company will not address this issue with their partners.