davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To   XXXX   XXXX   XXXX   XXXX   Attn : LEGAL DEPARTMENT   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , UT  XXXX  cc : Federal Trade Commission Office of Inspector General " Room   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX  , DC   XXXX   Ref. :   XXXX   XXXX   XXXX   Acc #  XXXX  NOTICE TO DISCLOSED DEFAULD DATE AND PROOF THAT STATUS OF LIMITATION HAS NOT EXPIRED This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to   XXXX   XXXX   XXXX   (   XXXX   ) to disclose the following information regarding the loan account #   XXXX   : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.-   XXXX   XXXX   XXXX   as Trustee 's Headquarter address and agents, all information, but no limited.
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On XX/XX/XXXX  in response to Violation of Statute of Limitation,   XXXX   said Consumer Financial Protection Bureau that it has conferred with   XXXX   and  XXXX  does not agree that the Statute of Limitations for this debt ( account ) has expired, but failed to state the Default Date.   XXXX   XXXX   XXXX   XXXX   has failed and refused to provide the above information since  XXXX .
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Sincerely,   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2017-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Home Mortgage acting as a service r for Wells Fargo Financial South Carolina Inc. ( who is no longer in business as XX/XX/XXXX ) is attempting to collect a defaulted debt thru a third party Attorney Firm ( XXXX XXXX XXXX XXXX ). after many request for verification and validation thru Wells Fargo Home Mortgage and XXXX XXXX XXXX before and during the entire court proceedings the debt collector /Service r never offered any response to our request. they keep petitioning the court and was granted a summary judgement in there favor by the state court without providing any proof of the alleged debt. the debt was sold or acquired while the debt was in default based on documents obtained. the original loan / account number was assigned as many as ( 5 ) five different numbers and shows up on the credit report as XXXX different loans with different amounts by XXXX different entities XXXX taken out on the same day in XX/XX/XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I am writing to file a formal complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/2023, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated time frame. 

I did not receive a response back from Equifax with the investigation results. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

I made a purchase with my Chase credit card on XX/XX/21 from XXXX XXXX. I didn't receive my furniture until XX/XX/21. After getting the furniture ( Loveseat, sofa, chair and a half, and an ottoman ) something was wrong with them and the quality was terrible. It was not the same as what we had tested and sat on in the store. The material was different, the ottoman material was different from the couches, and it made a creaking noise and there were fuzzballs on the cushions. I reached out to XXXX ( the store and customer service ), in XXXX, XXXX and XXXX, and I got the run around and was laughed at and told I could not return them for a different set. So I reached out to my credit card company in XXXX. They filed a dispute for me, in which they told me if XXXX XXXX wasn't willing to help me with a return, that Chase would get me a credit for the amount of XXXX. I recently received a letter from Chase stating that my dispute was closed because the charge was valid because I did not return the merchandise. They denied my claim without even trying to take my side as a customer. They just discarded my dispute for the most absurd reason, when knowing they were couches I couldn't just load in my car and return, also knowing XXXX would not let me return them. I reached out to Chase two days ago, and she stated it was too late to reopen a dispute and there was nothing they could do. As a long time customer, they did a huge disservice to me, and did not stand by my side or try to help me with this situation.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NJ)

XXXX S.S. # XXXX / CONTACT NUMBER XXXX email XXXX ADDRES XXXX NJ XXXX RE : CITIMORTGAGE INC ACCOUNT # XXXX Complaint against CitiMortgage Inc. CitiMortgage Inc. refuses to report the statu status of the account correctly to XXXX , reporting account # XXXX as derogatory and late 120 past due. The account status should be reported as paid and closed as evident by tax forms XXXX and XXXX and my XX/XX/XXXX tax return in witch I was required to pay capital gain taxes for the property list as XXXX NJ. 
XXXX.This is my primary residence since XX/XX/XXXX.CitiMortgage Inc. also refuses to identify to me who made the unauthorized payments on the account from XX/XX/XXXX until XX/XX/XXXX these payments are fraudulent, reinstating the account without authorization, this is evident by the attached XXXX credit report dispute dated XX/XX/XXXX.The account went into dispute XX/XX/XXXX.The fair Credit Reporting Act states that no negative rating should be issued while an account is in dispute. 
CitiMortgage Inc. is reporting pay status on a closed account as 120 past due. Please rectify this issue. THANK YOU.
Consumer complaint received 2022-03-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (KS)

On XXXX XXXX my vehicle was repossessed by the title loan company I then received notice I had 10 days to pay the loan in full by XX/XX/2022 or the lender could sell the vehicle I contacted their resolution department and they told me if I paid {$850.00} by the XXXX then the car would be mine again. On the XXXX of XXXX I paid the balance due at {$850.00} then when I was give me the telephone number to the place where my car was being held they gave me the address come to find out they took my car 2 hours away to another city different from where I reside or where the car was repossessed or where the title loan was even conceived when I informed them I have no way to get 2 hours away they just were like sorry for you. Here it is now XX/XX/XXXX and my car still in a different city.
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (SC)

I am unable to get monthly statements on my auto loan. On the company 's website, it will show a payment breakdown with principal and interest but since XXXX 2017 mine has been incorrect. They have not applied 2 payments to my balance. When I called them they said it was a " Glitch in the system and they could n't fix it ''.
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (PA)

I took out an auto loan from M & T Bank in XX/XX/XXXX. I have historically paid my payments at the local branch or online through their web portal. I have consistently paid my account and it was current as of XX/XX/XXXX. In XX/XX/XXXX my primary bank changed hands and the routing and tracking numbers and account numbers for accounts all changed. It has caused much confusion. Thus in late XX/XX/XXXX/XX/XX/XXXX when I learned that M & T had not received my payments placed through their online system I sought to rectify it and immediately made payments online, confirming the new tracking and account numbers. Then I heard nothing. In late XX/XX/XXXX into XX/XX/XXXX I attempted to go online several times to make regular payments and when I attempted to log into my account a message appeared that the M & T website was down. I even called to get further information when I was simply told, " Many customers have been having problems, try again later. '' The problem continued. In early XX/XX/XXXX I was finally contacted by an M & T representative by phone. When I was told that there continued to be issues with submitting payments online I offered to bring a payment to the bank to satisfy all payments that were not received and get the loan back on track. At that time I was told by the M & T Representative that was no longer an option, I needed to pay the loan off in full immediately or my car was to be repossessed! The representative acknowledged that they could see that I was trying to make payments and that each payment submitted receieved a message stating " Success! Your payment has been made! '' However he was completely unwilling to assist me in getting this loan back on track. He stated that even though he could see the banking errors involved, that he would not reinstate the loan upon restitution. I then tried speaking to his supervisor without any support, he simply stood behind the decision to use the nuclear option with me even though they could see I had been online trying to make payments. I then took my issue to the PA Department of Banking and Securities. I just wanted to make the situation right. The PA Banking Department went back and forth with representatives for several weeks, being told, " I 'll get back to you tomorrow ... .I 'll look into things and see what we can do ... I will have an answer back to you by XX/XX/XXXX ... '' It is now XX/XX/XXXX and still no answer. I received a form letter from M & T dated XX/XX/XXXX ( it should not have taken 8 days to get here when mail from PA to NY is typically 1-2 days in transit ) stating that I have 10 days ( from XX/XX/XXXX? ) to give M & T the full balance of the loan. I have also tried to harness the assistance of the PA Attorney General 's Office. I received a letter from them dated XX/XX/XXXX stating that M & T has 21 days to reply to them. As of yet, there is still no response. My contact at M & T is a XXXX, my contact at PA Banking & Securities is XXXX and my contact at the PA Attorney General 's Office is XXXX. PLEASE HELP!!
Consumer complaint received 2017-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (SC)

I was sent a  Chase Amazon  Rewards credit card for which I never applied, and with an {$8500.00} limit. When I called the number on the back of the card, I was transferred to a fraud protection organization. The representative said she was canceling the account but would not give  me ANY information, such as if other cards were opened on the same account, if the card was ordered in conjunction with an Amazon purchase, etc. The representative would only stick to her script. This makes me wonder if opening the account in my name was an inside job ...
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

. I paid ERC on XX/XX/XXXX with my XXXX secured Visa for an XXXX bill from XXXX. The account details are noted in the settlement letter from ERC. XXXX is not accepting the settlement of the debt and wants the remainder of the bill paid. XXXX XXXX XXXX acknowledged today that the debt was sold to ERC. ERC is saying the account is closed and settled However, ERC said on XX/XX/XXXX that XXXX XXXX XXXX does not have to accept the settlement. That was not my understanding from settling the account. All calls with ERC are said to have been recorded. Since the settlement of the debt did not clear the debt, I believe that ERC and XXXX XXXX XXXX have acted fraudulently in obtaining the {$280.00} payment as settlement and not settling. I have also asked my credit card provider, XXXX, to dispute the purchase.
Consumer complaint received 2017-04-12
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (FL)

The loan officer has advised the foreclosure that should have been off my record since 2012 is prevented me from getting a FHA loan. I received a letter saying XXXX broke the law by mishandling my case so not sure why this foreclosure should affect my loan
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northwest Collectors Inc. (IL)

On XX/XX/2018 I contacted Northwest Collectors regarding a collection notification on my credit report. They referred my to the original creditor/medical facility, XXXX XXXX. 

XXXX XXXX advised that the bill they had was not submitted to the insurance company, because they didn't have any insurance on file. I provided them the insurance information and they advised that they would contact the collection agency immediately to have the account removed. 

On XX/XX/2018, I called the collection agency to follow up and they advised that they have received no such communication from the agency. But advised that they would put a 2 week hold on the account. 

They provided me a contact number for the medical provider. When I contacted the phone number provided by Northwest Collectors, company could not verify address as the are a 3rd party and were not furnished with this information. This middle company is called XXXX XXXX
Consumer complaint received 2015-06-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I had a car loan at FifthThird bank in XXXX Indiana. I sold the car myself, took cash to the bank and paid off the loan. FifthThird then told me that it is their policy to make the car Title available within XXXX days to XXXX weeks after the loan is paid. This nearly caused the buyer to back out of the sale. I contacted numerous people at their headquarters and was told basically the same thing every time. No. No matter what the circumstance, even with confirmation of the loan pay-off from their branch manager and their computer system, they would not simply pull the title from their files, sign off on the lien and put it in the mail to me within a day or two. Their policy and actions are completely unnecessary and uncalled for. Consumer beware.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CT)

I am writing to dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the bank over the phone. This non-compliance with the law is concerning. Under the Fair Credit Reporting Act, it is mandatory to promptly remove inaccurate and fraudulent information from credit reports. Yet, these accounts persist, undermining the reliability of the system. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC (NC)

PMAB has several collections on my credit reports. But I had no idea until I saw my credit report. I never heard of them and do not know anything about these. I do not feel it is legal to simply put bad information on my credit report without contacting me first and allowing me fair chance to agree or disagree, and then if agree to pay it so it does not go on my credit reports
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX and XXXX are consumer reporting agencies and have a responsibility to be fair, impartial and respect consumers right to privacy. 
I have the right to make sure my private information isnt shared. Privacy Act of 1974. 

Firstly, there are multiple non-mailable addresses on all of the reports. I only have one address of which i can receive mail and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all other addresses are to be DELETED. You are putting me at risk for identity theft. XXXX especially!! 

All phone numbers across all reports are to be DELETED. I DO NOT authorize my private phone number to be shared. 

Secondly, reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not only a HIPPA Violation, but charged off to a 3rd party and considered to be a certificate of indebtedness which is considered income per the IRS. It is illegal to report income on a consumer report. Its also a violation of the Privacy Act of 1974 ( 5 USC 552a ) to record medical history on a consumer report. DELETE the account from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX  is reporting income as well as a violation of 15 USC 1681c. No adverse items or derogatory marks should be on the consumer report. This goes for XXXX XXXX XXXX XXXX XXXX XXXX  as well. DELETE both accounts from all 3 reports.

15 USC 1681a ( 2 ) tells us that reporting transaction history between a consumer and the person making the report is illegal. Therefore, all transaction history ( 2 year payment history lines ) should be removed from every remaining account on my consumer report ; across all 3 reports. 

Finally, I have attached letters opting out of credit reporting for the following companies.. 
XXXX XXXX XXXX XXXX XXXX These companies do not have permission to report on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I have provided applicable laws and evidence of inaccuracies. The LAW says the reports have to be accurate and complete. And they are clearly not. Continuing to report these accounts or updating them with investigation methods provided by law will be considered WILLFUL NEGLIGENCE. **
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (NY)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 alleged fraud or extortion. 
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 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 2019-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (CT)

I sent a letter to Williams & Fudge Inc about a collection on my credit report on XXXX. The company received the letter on XXXX and have failed to validate the debt in the 30 day time frame or mark the debt as disputed so i sent the company a second letter on XXXX which they signed for on XXXX. I have still not received any response to either of my letters and the account has not been updated to the disputed status.
Consumer complaint received 2018-03-22
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: Clarity Services (IN)

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Clarity services inc XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these account inquiries are not accounts of mine and I don't recognize them did not authorize them