davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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. (MI)

I have disputed a collections account from XXXX Accounts ( XXXX ) as being unverified and inaccurate with Equifax XXXX and they came back to me and stated they were able to verify this debt. How is this possible? After the breach at their company youd they would value reporting accurate information. 

Under the laws of the FDCPA, I am entitled to see the source of the information from the results of their investigation, which is the original contract that contains my signature but Equifax has not provided this information. 

Regarding the type of verification required by Section 809 ( b ) of the Fair Debt Collection Practices Act, Equifax is required by law to determine whether a collection agency for a medical provider fulfilled the requirements of that section if it produces an itemized statement of services rendered to a patient on its own computer from information provided by the medical institution... in response to a request for verification of the debt. How was this verified in their investigation? 

The statute also requires that the debt collector obtain verification of the debt and mail it to the consumer. A simple itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statute requires the debt collector, not the creditor, to mail the verification to the consumer. 

After careful research, I have determined that this is not mine, and I have not been given any evidence of my obligation to pay this debt to this collection agency.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am so upset with Chase Bank and regret opening an account with them. I was approved for the SBA EIDL Loan, and went through underwriting process, SBA determined my eligibility and qualification as an XXXX 1099 XXXX, and approved me for the loan and deposited into my personal checking account. As an XXXX XXXX XXXX  XXXX earning 1099, I do not have to have an EIN number to be qualified for EIDL program. Chase is mandating to show an EIN verification form in order to release my funds. Chase did not approve me for this loan, Nor are they the issuer of the EIDL loan program, to determine eligibility or even set their own requirements. They can not mandate me to have an EIN number to be qualified for this loan, when it is not the requirement of SBA EIDL eligibility and qualification, 1099 individuals are also quailed for this loan, and they can not freeze my funds. Chase is only the bank holding my funds, but they do not determine or qualify individuals for EIDL nor can they set forth their own requirements for this loan. If they do not accept any ACH wires from the SBA they should have rejected the funds and not accepted them, and I would've just used a different banking institution that accepts EIDL funds in personal checking accounts. I can not open a business account without an EIN number, and as a XXXX XXXX   1099 XXXX, im not obligated or required to have an EIN. and I am repeating again SBA accepts 1099 XXXX for the EIDL loan. I tried resolving with chase, and they refuse to listen, they have the worst customer service representatives who don't even listen to you when your talking, they are like trained robots, who only say what's written in front of them. I have requested for chase to send back the funds to SBA, they are refusing the send back the funds, I have contacted SBA to recall back the funds, but they said they do not recall back the loan once the funds are deposited. So now the money is stuck In that account with chase, refusing to send it back, and I am liable to to pay back this loan, when I didn't even receive the funds. PLEASE HELP!!!!
Consumer complaint received 2021-06-30
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: Source Receivables Management LLC (OR)

Original creditor was XXXX internet service. Advertised unlimiteddata for my plan. However, on XX/XX/2019 overcharged my account and later stated You do have theunlimiteddata plan however, when costumers use a considerable amount of data we begin to charge by the gigabyte???! My final bill amount was {$710.00}! Initially I refused to pay this bill. The account was turned over to a collection agency named Source Receivables Management to whom I later paid the collection. XXXX later stated we did advertise unlimiteddata however, we can not dishonor the collection agency by stating your account was paid and is in good standing, sorry. They seemed to have no problem dishonoringme though! I argue that my account should be stated paid as agreed by the original creditor on my credit report!
Consumer complaint received 2021-04-28
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. (UT)

I have been locked out of my Equifax account for 1 month. I have called and verified my identify 3 times, but my account remains locked. I was told twice that this issue was being escalated an that someone would contact me in 3-5 days, which never happened. 
In addition, Equifax continues to bill my credit card for credit monitoring service after I cancelled this service due to poor performance
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have a company by the name of XXXX XXXX attempting to collect on a debt ( s ) that arent mine and that Im not aware of. I went on the website and theyre 2 different accounts listed for me that I have no knowledge of ever having. One is for XXXX XXXX through a XXXX XXXX and trust and for a XXXX XXXX XXXX. One reports on my credit report and the other one does not. This is an error. The amount reported is {$710.00} and last reported on XX/XX/XXXX. Also theyre are payments that are listed on the website for XXXX XXXX for XX/XX/XXXX for 2 different amounts, one for {$55.00} and one for {$69.00}, neither of which were paid by me. I need some validation and for these accounts to be closed and removed from my report because they do not belong to me and I have had no communication from this company regarding this matter.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

All 3 credit bureaus are refusing to accept my attemots to get a lock or freeze on my accounts. EQUIFAX IS USELESS AS YOU KNOW ( PLEASE PUT THEM OUT OF BUSINESS AND EXECS IN JAIL! 
XXXX says they are too busy and to get back to them - THIS IS URGENT. 
XXXX keeps refusing my accurate information and giving me nowhere to go.
Consumer complaint received 2022-04-06
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. (VA)

The amount of loans supercedes that in which I actually received. 
XXXX XXXX XXXX. 
The final aid administrator fraudulently taken Ioans out using my personal information.

I'm requesting all student loan debt be forgiven.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I had 1 hard inquiry on my XXXX Credit Report on XX/XX/2018. It is listed as XXXX from XXXX XXXX XXXX XXXX. I believe this is from XXXX   Credit.

The company pulled a hard inquiry without ever informing me in advance. 

In addition, my first name is written incorrectly in the billing information.
Consumer complaint received 2024-02-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Hello, I hope this message finds you well. I am writing to address a matter concerning a collection account from National Credit Systems, totaling {$1700.00}, dated XX/XX/2018. The original creditor, as indicated on my credit report, is XXXX XXXX XXXX. The associated account number on my XXXX  Credit report is XXXX. 

I want to clarify that I have never entered into a lease agreement with XXXX XXXX XXXX. Despite numerous attempts to contact them, I have been unable to resolve this issue. Additionally, I have reached out to XXXX XXXX, XXXX XXXX  Supervisor at XXXX, who has confirmed that no records of my existence are present in their system. 

I kindly request your assistance in rectifying this matter promptly. It is my sincere hope that we can resolve and remove this discrepancy from my credit report once and for all. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I received my social security XXXX check into my capital one checking account and it said that those funds were available for use. At about XXXX that XXXX I submitted a payment to my capital one auto loan. I received an email confirming that the payment was being processed. On XX/XX/XXXX I received an email from capital one stating that my payment was completed. Further more, when I looked at the information for my auto loan it showed the deduction for that payment and said my next payment would be due on XX/XX/XXXX. I used most of the remaining funds in my account that day. The following day, XX/XX/XXXX, I received an email stating that my car payment was returned for insufficient funds. But according to my account records, there was enough money in my account to cover the car payment all the way through the XXXX. I tried. Calling capital one on the 3rd, both the bank account division and the auto loan division and got no where. I tried calling both entities again on the 9th I think and the only explanation I got was that when the XXXX XXXX  payment was processed it brought my account to less than what was needed to cover the car payment. But according to my calculations based on the information from my capital one account, the money was still available. Also, like I already said, I submitted the payment on the XX/XX/XXXX and received confirmation that it was completed on the 1st. I have gotten nowhere contacting capital one and now I have a late payment fee as well as the damage to my credit of having missed a payment.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (GA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (GA)

I almost broke down and cried when I saw these late payments on my account for the following dates : 30 Days Late for XX/XX/XXXX and 60 Days Late for XX/XX/XXXX I dont know how this could have happened because I make my payments as soon as I receive my monthly statements. I would appreciate your help with is because I dont believe this information is accurate.
Consumer complaint received 2020-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Your attention to this complain is very essential and must need investigated and brought to proper authorities for further investigation and possible prosecution. Perhaps to the General Attorney 's office who does handle discrimination cases. 
Initially my complaint filed with your agency complaint # XXXX all the facts was outlined. I also filed with another agency complaining the same time which that agency forwarded to you for further valuation and handling. The second complaint was filed under # XXXX. Today after checking the status in your website the Bank of America closed both complaints without given any explanation other than have the consumer contacting us and a phone number XXXX ( XXXX ) XXXX-XXXX X XXXX All these are calculated plans to avoid and instead come clean. No phones return since I called and called again and again for at least 7 times all during working hours ( Pacific Time ) They need to answer you with valid reasons what are their position not approving my loan application? Bank of America 's action must be investigated you have my full support with hard solid evidence not just allegations. It is crucial these bankers been getting away for so long and is time justice to be served for all. 
Thank you XXXX XXXX, applicant
Consumer complaint received 2017-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (TX)

Prosper Marketplace Accountnumber XXXX failed to notify me about reporting derogatory info. to XXXX and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, Prosper Marketplace '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Prosper Marketplace failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the XXXX XXXX Prosper Marketplace is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den. ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

We want to contact your office and tell you that Wells Fargo continues to block access to any options to save our home. We filed complaints last year against this company because they were making mistakes on the bankruptcy payments we had made and they took it very seriously and finally gave us the proper information. They also told us that they would be willing to review our family for loss mitigation options. Our situation is much better after Covid. My husband is working full time and I am working full time. Also two of my adult sons live with us and are contributing to the family bills. Our combined income is now over {$10000.00} per month. When we talked to Wells Fargo they said they would review our case if we have had a significant change in income. They denied us back in XX/XX/2022 when things were much worse. 

We collected all of the requested paperwork to show that we make more money and that we want to try and save our house but the Wells Fargo re-entry team said no, we don't care that you have doubled your income, we don't care that you want to save your house, we don't care that you might qualify for help, we are done with you. This is wrong. We believe with this large increase in income that we can afford a fair payment so that we can get back on track with our mortgage and Wells Fargo. We believe we at least deserve the chance for them to LOOK AT OUR PAPERWORK instead of just shutting us out. We are very frustrated with this company. We have tried very hard to work with them and pay them and did the bankruptcy so that we could pay them back over time, which worked until XXXX came. Now after XXXX we are doing much better and want to resume payments and I know we are far behind but we make a lot more money now so we feel they should at least look at and review the current financial situation to see if there are any programs we qualify for to save our house.
Consumer complaint received 2018-04-06
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: Experian Information Solutions Inc. (TN)

On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.
Consumer complaint received 2018-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I added money to my PayPal account and later went to atm to withdraw funds. The funds never dispensed. I contacted PayPal XX/XX/XXXX they stated they would have to file a dispute and provisional credit would be given. Once they provided the credit they limited my account on XX/XX/XXXX said I would have to wait 180 days to get my money. I called XX/XX/XXXX to try and see if the hold could be lifted early because I am going through a hardship and really needed my money. The agent said no in case a customer has a dispute I informed her there was no customer interaction on my account I personally added those funds via cash at my local XXXX so who would be disputing Me. As of today XX/XX/XXXX the credits are final and no longer a provisional credit and I would like my funds released as soon as XXXX   because its my money!!!
Consumer complaint received 2018-04-06
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: Diversified Consultants, Inc. (LA)

Letter sent to Diversified Consultants requesting verification of the account belonging to me. ( Ex. Documentation bearing my signature ) Response from company was an invoice which is NOT verification.
Consumer complaint received 2018-04-06
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. (TN)

On XX/XX/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.