davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME!

They sent two letters to XXXX XXXX XXXX, XXXX NJ. 

That address has never been on file with XXXX  XXXX XXXX ( the credit card owed ). 

The person residing at that address now knows personal business of mine. 

This is unfair and a violation of the Fair Debt Collection Practices ACT. 

I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.
Consumer complaint received 2019-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

This is a continuation of a previous CFPB Filing Case # XXXX In XX/XX/XXXX I reached out to Wells Fargo to have the PMI removed from my mortgage. 

I had Wells Fargo do a BPO ( Broker Price Opinion ) on my  property. 

The Value of the BPO that was given was {$380000.00}.

The BPO was done incorrectly - Please see previous CFPB Case for details. 
I included proof that it was done wrong and that the value of my property was not accurately assessed, both to Wells Fargo and in the previous CFPB case listed above. 

Wells Fargo refused to make any adjustments or corrections to the BPO or even have it re-done unless I paid for it to be re-done. 

This dispute went on from XX/XX/XXXX to XX/XX/XXXX where Wells Fargo basically said they would stand by the BPO findings.

I decided at that time to have an Appraisal done on the Property. 

The Appraisal Dated XX/XX/XXXX stated that the property had a value of {$410000.00} ( on the low side ).

Wells Fargo did remove the PMI due to this Appraisal.

This valuation was much more in line with the true value of my home and proved that the BPO was done incorrectly.

My request is that the PMI from the time that the BPO was done to the time the PMI was removed be refunded to me as the BPO done  by Wells Fargo was nearly {$30000.00} off in the valuation of my home.
Consumer complaint received 2019-10-26
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: Mr. Cooper Group Inc. (DC)

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 NATIONSTAR/MR COOPER 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 proper 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 you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-02-22
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. (NJ)

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

I was enrolled equifax.com in a credit service since XXXX. I kept it paid yearly and renewed in XXXX, I could not use the service after renewal into XXXX and called to resolve this for a month getting answers it would be resolved. They screwed it up when they added myequifax.com and another account was opened. they seemed to have conflicted and they are not resolving it. i could not log in any longer and they could not fix it. recently they poked me yet again telling me they have no email address for me by a post card and I can not get in touch to get this fixed and do not want to spend another month. I can not log in and when retrieving password it says I do not have an account, but when I fill out all my info it says I do and will not send me anything to get it working. I can not get my credit report or the service with them any longer and wasted money in the past. I need their attention that this has not been resolved and I have spent too much time to beg them to get my account in order. The timeline may be off some, but the problem does exist.
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (IL)

On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (IL)

I originally applied back in XX/XX/XXXX I again applied from XXXX through current resubmitted requested docs last date being XX/XX/XXXX. I have asked for confirmation and information over XXXX times to no avail. Timing is crucial and this seemingly intentional delay is jeopardizing my efforts. Please update me and answer my correspondence. I have 100 % complied and seeking a fair chance to modify or setup payment arrangements. I am ready to respond.
Consumer complaint received 2024-03-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (FL)

I apply to this store card on XX/XX/24. Crate my account online and when was ready to make the purchase I recive an error saying insufficient credit. I call the TD Bank and told them that my credit limit was {$5500.00} and it wont let me use the card. The advise to do a verification process and was not successful. Then advise they will send a letter. Recive the letter XXXX and call as the letter advise and yet no solution just wait more and no estimate date to this to be resolve. Is very frustrating that this application affected my credit and was no able to use the account as expected. They advise that I need to update phone numbers on credit respirating agency but checking my credit realize the phone numbers where there. After wating I decide to take this step and delete this from my credit
Consumer complaint received 2022-09-08
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: ACIMA CREDIT, LLC (WA)

I registered for a class in New York with an XXXX. ( XXXX XXXX by XXXX XXXX I took out the loan to pay for the classes. The XXXX ( XXXX XXXX said that there would be training, a certification after completion, as well as equipment to start my own business. I didnt not receive any of this. Ive called and explain this to Acima and they informed me that the loan was for a pair of glasses. I dont wear glasses nor would I pay close to {$3000.00} for a pair of glasses. I told them that was a mistake and the company that they are providing a loan for must be fraudulent. I dont have specific dates on when I registered for the classes it was during the pandemic but Im sure Acima has that information as well as the date that I called in about this company. I didnt take the classes or receive certificate or equipment.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

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 CAPITAL ONE BANK USA N 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 proper 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 you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (AL)

I have asked CMRE to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A car loan was opened fraudulently in my name by Capital One on XX/XX/2019 due to Identity Theft with a balance left of {$9100.00} 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. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified XXXX XXXX compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I solemnly declare that my identity, XXXX XXXX XXXX, has been stolen and usurped by another individual with a similar name, XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXX, California. This act of identity theft has had a devastating impact on my life, preventing me from exercising my rights and carrying out basic activities in this country. The confusion caused by this usurpation has seriously affected my ability to function normally in society, jeopardizing my integrity and well-being. I demand that necessary steps be taken to rectify this situation and restore my legitimate identity.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

Through XXXX, I was trying to fix my credit file. I was given recommendations for credit cards through XXXX and XXXX. Commenity Bank offered three credit cards, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. I applied for all three and was approved the credit limits for each was XXXX. I used the same information on my application for each of them and obviously the Bank reviewed my credit file and I was approved. Shortly after I paid my first payment on my XXXX credit card, my limit was dropped down to XXXX, I called customer service and they informed that it was my error, I wasn't approved for the XXXX. No body from Comenity Bank ever contacted me. Over 6 months, I have used the cards and paid them in full. THERE has been no change in my credit file, my ownership of my home and I am constantly monitoring my credit worthiness with the two credit reporting companies. I went to use my XXXX XXXX XXXX XXXXXXXX credit card and it was declined. I contacted the company only to be informed that my account was closed ... .WHY... .Nobody from Comenity Bank contacted me, but I did get a letter informing me that they closed my account due to no open real estate, too many revolving accounts, too many bankcards with High balances and too many inquiries. I am working on rebuilding my credit and nothing has changed since I applied for these credit cards. In addition, Comenity Bank has reduced my credit limit on both my XXXX and XXXX XXXX credit cards. Their information and inquiries to my account is actually hurting me and I have been a good paying customer.
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I purchased the XXXX XXXX XXXX from XXXX back in XXXX XXXX, 2015. I received a bill XXXX XXXX, 2015, for the amount of {$240.00}, which was paid in full right after purchasing the phone in full payment. Coming to realize that, XXXX has put a {$530.00} credit debt on my credit which does not belong since everything was paid off.
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AZ)

IN XXXX I sent a letter requesting verification of a debt/collection account reported on my credit report. 

The company responded that the original creditor could not provide the written document I requested and the item would be removed from my credit report. 

I then received a photocopy of a " final bill '' from the debt collection agency showing an incorrect address where service was provided and none of the information I 'd originally requested from the debtor which was a signed original service contract and a payment history. 

Again, I am requesting this account be removed from all XXXX of my credit reports as the information they have attempted to provide is not the items I originally requested and the photocopies they provided are from an address I 've never lived at.
Consumer complaint received 2022-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Disputes are claimed to be filed. Resolved within hours with no results. I have asked multiple times for negative items on my credit report to be VALIDATED or DELETED. They have not sent me.one original contract, payment history, balance history, credit insurance or interest rate for any of the items negatively impacting my credit. I demand to have these items properly investigated or removed.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I started disputing the Portfolio Recovery account listed on my credit report in the amount of {$2300.00} since XX/XX/2021. I have sent numerous correspondence asking for the ORIGINAL signed document which states I owe them and that I agreed to pay them. Each time Portfolio responded by sending a computer generated unsigned letter that states they own the account and a bill statement. I also sent them a letter stating that they violated GLBA Sec 6802 ( a ) ( b ) ( c ) ( d ) and Sec 6803 they responded back by sending another bill statement. I have attached a copy of the last letter I mailed to Portfolio Recovery.
Consumer complaint received 2021-02-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP (TX)

Security Finance is in major violation of the FDCPA they've contacted my co-worker " XXXX XXXX '' regarding an account. 

According to section FDCPA Section 805 ( b ) this is against federal law! 

This is deemed a violation of the " FDCPA '' calling any third party about your debt such as friends neighbors or relatives.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK (AZ)

I received a response to my original complaint against EastWest bank. I contacted XXXX XXXX XXXX at the email he provided me. I emailed the fraudulent wire transfer transaction XXXX XXXX/EastWest couldn't find. I did NOT receive any communication back from XXXX XXXX. 

I finally have a point of contact with XXXX executive office/wire transfer fraud department . They issued a recall of this wire transfer on XX/XX/2022 no response from East/West Bank XXXX XXXX executive office XXXX XXXX The fraudulent wire transfers were made minutes apart from the same routing number at EastWest bank XXXX XXXX I did receive one of the recalled wire transfers back. To date still have NOT received the {$19000.00} made by a XXXX XXXX I am attaching email and the wire transfer transaction detailed information... again. 

I am obviously doing this whole investigation mostly alone, as both involved banks have yet to be able to resolve. 
Have either of these wire transfer frauds/parties been employed by EastWest bank ? ? At this point I have lost faith that either bank and their so called " fraud protection '' of their consumers is a joke.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (LA)

XXXX of 2019 Several purchases was made on 2 of my citi cards.Citi left several messages on my answering machaine to let me know some fraud activity was going on concerning my cards.They keep rebilling me for some purchases I didnt do or authorize anybody to make any purchases. I sent them receipts on my purchases.Now they saying they dont want to talk to me anymore because the case is close they put me on a program to pay for items I didnt create. I no longer have a job due to XXXX my brother paying it back for me and I really dont know how long he will continue to pay this bill. I need help I feel like Iam being bullied by this company.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( XXXX ).
Consumer complaint received 2022-09-08
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: Bread Financial Holdings, Inc. (OH)

XX/XX/2022 Interest Charge On Purchases {$4.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 XXXX XXXX XXXX {$100.00} XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX {$70.00} Fees XX/XX/2022 FOREIGN CURRENCY FEE XXXX XX/XX/2022 FOREIGN CURRENCY FEE XXXX TOTAL FEES FOR THIS PERIOD {$5.00} I was told that the account would be closed and investigated but the account still remains open and active.