davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

Good evening, I opened Wells Fargo checking account # XXXX recently and was told I'd receive a {$400.00} bonus for doing so as detailed here https : XXXX. After completing the requirements I was not credited with the bonus due allegedly to receiving another bonus within 12 months, though this was not the case. Screenshot proving direct deposit attached
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Opened a business checking account with a {$200.00} cash bonus promotion if {$1000.00} in new money was deposited within 90 days. I have not received the bonus as advertised even though I deposited the required amount of new money with the 90 day time frame.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report.
I sent the copy of corrections by US Postal Mail Priority m
ail to XXXX on XX/XX/XXXX Priority Mail.
Evidence is submitted to Federal Government filed complaint..
Consumer complaint received 2021-04-27
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. (MO)

This letter is in response to your recent claim that that the below acccounts has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I applied for a mortgage, gave all the usual information and was approved ( including running my credit ) contingent on verifying the information ( income, etc. ) and house value. I also received an initial loan estimate with terms that I found acceptable and even very favorable. This included almost no points and almost nothing out of pocket and a great rate. On that basis, I paid the non-refundable {$500.00} application/appraisal fee. The house actually appraised for higher than I anticipated. 

However, soon after the appraisal come back, I received an updated estimate showing I would be required to pay substantial points to keep the rate in the initial estimate. It also included additional closing costs with an out of pocket total over {$8000.00}. 

I felt completed deceived when I received that second loan estimate. I would have never have paid the {$500.00} for the application/appraisal had I know I would have been required to pay substantial points and a large amount of out of pocket closing costs. 

I traded e-mails with my loan officer and let her know I was extremely dissatisfied and that I felt deceived. I also told her I wanted my {$500.00} back. She said her manager would contact me. That was five days ago and I have heard nothing.
Consumer complaint received 2023-01-30
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)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (GA)

I bought a car from XXXX, used their lender ( Bridgecrest ) for convenience. Refinanced with XXXX, sent payoff check to address listed in Bridgecrest 's FAQs. Mailed it signature confirmation, but never signed for. I contacted Bridgecrest, told that was not the best/correct address for payoffs, was advised to cancel check, have new check sent to XXXX, AZ address. Did this on XXXX and new check arrived to me XX/XX/XXXX. In the meantime, received notice from Bridgecrest that loan was paid in full. Assumed they were able to process check before it was canceled. Received call on XXXX, check was returned unpaid. XXXX advised check not paid because it did cancel before they processed it, advised to send second check that I received XX/XX/XXXX. Sent that check XXXX  overnight, signature confirmation. This was signed for XX/XX/XXXX at XXXX. Received call XX/XX/XXXX, payment late, they haven't received/processed check, a FULL month after check signed for! Received emails about late payment, repossession. I was assured that it was being taken care of, that my account was on a hold status so that nothing would be reported to the credit bureaus. On XX/XX/XXXX, Bridgecrest responded to my XXXX  complaint that my account was paid in full, everything back dated and closed. On XX/XX/XXXX I received another email saying my account was past due and that was the last day I could pay without being reported. I again reached out to my POC, XXXX, who didn't contact me back until XXXX and told me that the second check was returned Insufficient Funds! I knew this was a complete lie. I went to the credit union first thing the next morning where I was able to get a photo of the processed/paid check and the electronic transaction record. I sent her this proof and the next time I tried to log in to the Bridgecrest portal, it said I no longer had an account. I was fine with that, thinking this mess was finally over until I got notification that my account was reported as 60 days past due to the credit bureaus!!! This company is completely incompetent and extremely deceitful. I have tried contacting them multiple times to get them to clear this up with the credit bureaus and I have disputed the reporting myself, but the damage is done! My credit score has dropped over 100 points!! They need to be held responsible for everything that they did, or really everything that they DIDN'T do!
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CO)

A company is charging me for something I have no idea for what. The company is what is read XXXX XXXX  my statement called " XXXX '' for the amount of XXXX on XXXX XXXX 2017. I do n't know this company.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems (MO)

This company ( Midwest Recovery systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : house of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Consumer complaint received 2023-01-30
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX 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 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 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 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 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 2021-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NJ)

Paid vechicle off in full on XX/XX/2021, started calling Santander about 6 weeks after paying it off, was told title was sent out to us via XXXX XXXXXXXX, we never received the title, they said that they didn't include our apartment number so title was sent to motor vehicle, have been calling every few weeks, they connect us to the title department and everyone gives us a different story as to what is going on, talked to manager, XXXX and he was supposed to figure this out for us but still haven't received title and no one has called us back, we tried calling about 2 weeks ago and tried to speak to XXXX but was told I had to speak to someone in the title 's department, no one knows what is going on each time we call and can never get a answer, vechicle was paid off ahead of time and every effort we make to resolve this has not gotten us anywhere.
Consumer complaint received 2020-11-13
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ).

This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2017-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

While checking my credit report I noticed an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX. I have never requested business from this company but they are on my credit report. This has caused stress and I 'm looking for answers. It has an open date of XXXX XXXX,2015 at which I was serving my country and had no need for their services. I have disputed this with TransUnion, the only one of the big three that claims ths information was verified. After conducting my own investigation XXXX XXXX hides behind the doctrine of tribal soveereignty to avoid liability for their illegal lending practices. The also hide behind several name to avoid people trying to correct information. From the BBB records they have over 270 compalints over the past year.
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

COMPLAINT AGAINST XXXX XXXX XXXX XXXX I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and Trans Union respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Consumer complaint received 2021-04-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I am claiming lending fraud and to further substantiate my claims of inaccuracies in your credit reporting. 
First, according to the terms of the contract the APR is 19.99 %, finance charge {$7100.00}, which is the sum of all charges. The amount of excessive illegal interest applied in totality {$12000.00}. ( Refer to Payment History ) This amount far exceeds XXXX usury rates maximum of 21 %. Pursuant to the Truth In Lending Act US CODE1605 ( a ) ( XXXX ) and the FDCPA US CODE1692f ( 1 ) this company is in violation thereof. We were also overcharged for sales tax. XXXX local sales tax rate is 8 % and we were charged above the legal rate. XXXX Refer To The Contract ) Secondly, I received a debt collections letter dated XX/XX/XXXX that failed to mention any accrual of interest or a specified amount of what was owed, pursuant to US CODE 1692g ( a ) ( 1 ) under the FDCPA. ( Refer To The Collections Letter ) Next, the initial balance reported {$12000.00} and according to the terms of the contract the principal amount financed {$12000.00}. There were no transactions, no promises, arrangements, and no payment since XX/XX/XXXX. Since then the account remained dormant. However, on XX/XX/XXXX this company stacked {$6900.00} of illegal interest according to federal law. Then reported the account was 180 days past due with XXXX and XXXX  and 120 days past due with XXXX I received written correspondence from a representative of the company stating that they had not reported 120 days past due to XXXX I disputed it with XXXX  and nonetheless this company verified the information as accurate. XXXX Refer To Dispute Results ) Pursuant to the FDCPA 15 US CODE1681s -2- and US CODE 1681 ( a ) ( 4 ) your company is in violation thereof. 
To conclude, Im exerting my consumer rights under the law to demand that this account be deleted from all 3 credit bureaus.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 

THE BELOW ACCOUNTS ARE REPORTING LATE PAYMENT HISTORY WHICH IS INCORRECT. I NEED THESE ACCOUNTS AMENDED TO NEVER LATE IMMEDIATELY.