davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXX violated my rights under credit fair act on XX/XX/2019. I mailed them supporting documents that the information that was reported was inaccurate 15 U.S.C 1681 section 602. A. States. I have the right to privacy.

15 U.S.C 1681 section 604.. a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IL)

FHA loan denied at last minute. 
I applied for a mortgage thru Regions Bank in XXXX Illinois on XX/XX/XXXX. Due to a previous divorce I knew my credit was questionable. Well it turns out that my score of XXXX was 4 points below requirement of XXXX. Disappointing but I understood. I immediately hired a credit repair firm to help me fix my credit. By XXXX it has increased to XXXX, well within the requirements. We started the process on XX/XX/XXXX. The first question asked was what will I use for a down payment, initially I figured I would use my 401k. Unfortunately I was unable to pull from that due to restrictions, and stated that I would get the funds from a friend as a gift. My loan originator changed things on the original application showing gift money for the down payment instead. I was approved for the loan on XX/XX/XXXX at 3 % locked in. I started sending all the required documents and on XXXX paid for the appraisal. Meanwhile the inspection had been completed as well as the appraisal. On XX/XX/XXXX I submitted the remaining required documents including the signed and dated gift letter. By XX/XX/XXXX I had wrapped up some of the minor repairs on the home to meet requirements.On XX/XX/XXXX I was told final inspection was ordered. The closing date showed to be XX/XX/XXXX. I requested a cost estimate to make sure I had enough saved for closing.I was given a settlement closing statement- estimate. I was told all they were waiting for was insurance and final inspection. On XX/XX/XXXX the email from the loan originator stated " we are good, sent loan to final underwrite while they wait for final inspection '' I was very excited as the house repairs were all complete and tons of document sending was complete. Now on XX/XX/XXXX the drama started, they needed a bank statement from my gift donor. That was tough to ask for but I got it from the gift giver. Then about 15 emails were sent asking about my relationship with the donor. ( she was my girlfriend of 7 months ) They got the cancelled check copy and they got her 6 page bank account showing the funds transfer. FHA would not approve without it. By now it was XX/XX/XXXX and more requirements came including my 401K statement w/terms of withdraw. Now on XX/XX/XXXX FHA stated DENIED without proof that ties me and my girlfriend together. They wanted joint lease/joint bank statment/ID 's with same address or evidence of being on the same phone plan. I was floored at this point to be told FHA would not approve. Months of preparation and expenses 80+ emails and 30+ documents for nothing. I done research to find nothing that says FHA needs this kind of relationship from a gift donor. I can not attach all the documents of all the above discussions with Regions Bank as there are 80pages.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo Credit Card was closed off in XXXX by the bank due to me failing to pay the balance owed. I went to make a payment to pay off the balance and Wells Fargo continued to charge late fees and interest 90 days after the account was close charging {$50.00} extra a month. It is excessive. I have multiple issues with this bank from them stealing money from my account, approving transactions after I had stopped my debit card from being used. Wells Fargo allowed my accounts to be overdrawn instead of declining the payment from XXXX, and XXXX streaming services and charging me overdraft fees on top of the over payment. Wells Fargo knew I did not have sufficient funds, knew my cards were turned off so I would not get charge and go into overdraft and Wells Fargo still approved of it and charged me for it. When asked why did they do it, I was told simply because they are Wells Fargo and they can do whatever they want. I am willing to settle the debt if {$270.00} to keep the account close but will not pay more than that as Wells Fargo keeps overcharging me. I had to close both my checking and savings
Consumer complaint received 2020-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (OH)

A REGULAR BI-WEEKLY INSTALLMENT WAS SCHEDULED TO BE WITHDRAWN FROM MY ACOUNT ON XXXX XXXX. 

ON XXXX I CALLED TO REQUEST A PAYOFF OF THE LOAN VERSUS JUST AN INSTALLMENT PAYMENT. 

ON XX/XX/2020 WHEN I LOOKED AT MY BANK ACCOUNT THE COMPANY WITHDREW BOTH AMOUNTS THE INSTALLMENT & THE PAYOFF AMOUNT. 

I CALLED ON XX/XX/2020 AND WAS INFORMED THAT THEY WOULD NOT BE ISSUING ME A REFUND OF THE {$100.00} THAT WAS WITHDRAWN IN EXCESS OF THE PAYOFF AMOUNT ...!!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Early Warning Services, LLC (TX)

XXXX XXXXXXXX XXXX and Early Warning Services are illegally sharing my Transaction history without my permission or without sending proper contracts to opt in or out the sharing of my personal information. After recently getting denied for multiple bank accounts I looked into pulling my Early Warning report and realized that they were in complete violation of US code and disobeying acts set in place to protect consumers such as myself ( I will list the codes and act below ). I realized the denials we're made because of the sharing of my information with XXXX XXXX and XXXX XXXX in which I don't have any contracts with same with Early Warning Services. XXXX XXXX  XXXX has violated my privacy on 125 different transaction just as Early Warning service done as well on 2 separate occasions. The code and Act listed : 15 U.S. Code 6802 15 U.S. Code 6805 12 CFR 1016.10 Privacy Act of 1974 5 U.S. Code 552
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I noticed Discover reported a late payment however I called them to inform them of the changes made from my bank account because i was a victim of bank fraud i made the payment manually, And reset up the automatic bill pay which i never missed a payment in the 6 years that Ive been with them! I never received a statement showing i was behind or late ever in the mail! I called in anad informed of that AS WELL AND HAD THEM UPDATE THE ADDRESS!! I am in the process of expanding my business and this late payment is hurting my credit please help and remove! Thank u very much
Consumer complaint received 2020-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (FL)

XX/XX/2020 NELNET XXXX. XXXX  XXXX Re : ( Student Loan Debt ) Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2020, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

Thank you very much. 

XXXX XXXX
Consumer complaint received 2024-03-11
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024, I discovered unauthorized transactions on my account totaling {$21000.00}. I immediately contacted Bank of America 's customer service department and filed a fraud claim. I provided all the necessary information and documentation supporting my claim, including the transaction details and evidence of unauthorized access to my account. 

Despite my prompt action and the clear evidence provided, Bank of America denied my claim, stating that there was insufficient proof of fraud. I am appalled by this decision, as I have taken all reasonable steps to protect my account and report the fraudulent activity in a timely manner. 

I believe that Bank of America 's denial of my claim is not only unjust but also a violation of my rights as a customer. I had always trusted the bank to protect my financial interests, but this incident has left me deeply disillusioned. 

Given the circumstances, I am left with no choice but to file a formal complaint with the government. I request that the appropriate authorities investigate Bank of America 's handling of my fraud claim and take necessary action to ensure that justice is served. 

I have attached copies of my correspondence with Bank of America, including the initial fraud claim, the supporting documentation, and the denial letter. 

I appreciate your prompt attention to this matter and look forward to a fair and satisfactory resolution.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax hasnt updated my report since XX/XX/2020, I paid off all my credit cards in XXXX and they still showing balances. Equifax is still reporting fraudulent information and addresses that do not belong to me and have yet to provide validation of the fraudulent accounts and addresses that were removed a placed back by Equifax. They are hindering me from my home buying process. They refuse to remove the addresses stating they are attached to accounts and Ive called all my creditors and they have and been reporting my current address. Equifax has replaced fraudulent accounts that were removed on my account without validation or contracts. Below Ive attached info from Equifax showing its fraudulent and not me it clearly shows someone elses name, ID, social, and address. Ive been fighting this account for XXXX yrs even tho I have proof it doesnt belong to me. 

XXXX  refuses to remove fraudulent addresses and accounts and refuse to show validation. Ive been fighting with this company for months sent info requested and still no removal. XXXX  also claims the fraudulent addresses are attached to open accounts and thats not true Ive called all my creditors and they have no knowledge of the addresses on my credit file and are reporting my current address. They are also hindering me from closing on my home. XXXX  has replaced fraudulent accounts that were removed on my account without validation or contracts. 

I cant and wont receive any mail at the fraudulent addresses Equifax and XXXX  have on file.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (OR)

I have already sent this company a dispute letter and requested the proof of the inaccurate fraudulent late payment they are reporting on my consumer report. I have never been late on this account. Recently I observed a late payment on my consumer report from XXXX of XXXX. My account has been closed with this company since XXXX of XXXX. As federal law states in 15 USC 1681A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. If you can not supply proof of this federally regulated act I demand you remove this late payment and or the entire account off my consumer report. It shows in XXXX. If immediate action is not taken I will pursue legal action
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX/COMENITY/MYPOINTSRWD Account number : XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: New Era Asset Management, LLC (SC)

On XX/XX/2022 New Era Asset Management LLC first contacted my employer before they contacted me about a debt that was settled three years ago and then they ran my credit as a hard quarry without no permission before the Company bother to reach out.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VALLEY NATIONAL BANCORP (NY)

XXXX XXXX XXXX XXXX Auto Financing XX/XX/scrub>XX/XX/2023 This Inquiry is unauthorized and must be removed from my report.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (NC)

I tried to pay my mortgage on the first of XX/XX/year>. Due to an issue on my end which i fully acknowledge, the payment did not go through. Due to a timing issue in my checking account, there were not enough funds in my account at the time that Wells Fargo tried to retrieve the funds. This is 100 % my fault and I gladly paid the insufficient funds fee my bank gave me. Between the XXXX of XXXX and the XXXX of XXXX Wells Fargo tried to retrieve the funds 3 times. All 3 times failed because of insufficient funds. I spent those two weeks thinking the payment had gone through and did not login to my bank or Wells Fargo to check. At NO POINT did Wells Fargo try to contact me to tell me there was a problem with the payment. Had they told me, i could have corrected it in less than XXXX XXXX. The last day of the month to pay my mortgage without a late fee is the XXXX. Wells Fargo sent me an email on the XXXX telling me it was late. I was not monitoring my emails and did not find out that my payment was late until they called me on the XXXX. Again, I fully acknowledge that not seeing that email on the XXXX was my fault. But by that time it was already too late to rectify the situation. 

So, my complaint is that even though Wells Fargo knew there was an issue with my payment, they did not tell me of the issue until it was too late for me to rectify it without incurring a {$50.00} late fee. My complaint is NOT that they didnt call me until the XXXX. Thats fine. My complaint is that the very first time they tried to contact me AT ALL, was the XXXX. 

Wells Fargo opened a complaint ticket for me and investigated. Their explanation is that they dont contact the user until the XXXX attempt of payment has failed. I dont know if that 3rd attempt always happens after late date but at least in this case, their policy of not contacting the user after the first two attempts has forced me into a late fee. I found this explanation to be inadequate as all it means is their policy is to withhold information until its too late. 



Thank you
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (SC)

Reference number XXXX I have a Chase Freedom credit card for few hours and I have a good credit history. Chase sent a message various times I am pre-approved for CHASE SAPPHIRE PREFERRED card. I have applied online with all the details, chase team has pulled hard credit inquiry and not processed my application. When I called them they asked me to submit the date of birth and address proof documents. I have asked mode of document submission and they have given me an option to submit through Chase mobile app " Secure Message Center. I had submitted my documents within one month range of application submission and also I got a confirmation from XXXX XXXX [ Chase email Servicing ] AOC : XXXX phone # XXXX on XXXX at XXXX. No action from Chase team again I called them, and they asked me to submit the documents at Chase bank branch. I had submitted documents to Chase bank on XXXX to XXXX to fax at XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX I have called the Chase team again and they told me we have not received any documents and denied the application. I need justice why Chase team has wasted my time and why they denied my application though I have submitted my documents? Unnecessarily I lost my valuable time and it impacted my credit report/score as well.
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

To Whom It May Concern, This letter is being sent to you in response to your recent letter. This is a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. HIPAA Collection Agency Validation, Dispute, Cease & Desist This letter is to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/ or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , XXXX  and State Bar associations for violations of the FDCPA, FCRA , and Federal and State statutes on illegal collection activities on any account that may be time barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages ... I AM REFUSING TO PAY THIS ACCOUNT
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MA)

US Bank is " in the process '' of closing a newly opened checking account. I have a {$4700.00} balance deposited directly into my account, which is on hold to be refunded. The bank is unable to provide an update on the return. Cash was deposited from my employer into this account, and I can not pay living expenses without my cash deposit.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kinum, Inc., Indianapolis, IN Branch (NJ)

I am writing to bring to your attention a concerning issue regarding Kinum XXXX, a debt collection agency, and their practices concerning an alleged debt that they have reported on my credit report. 

Recently, I discovered that Kinum XXXX has reported a collection account on my credit report, which is troubling for several reasons. First and foremost, Kinum XXXX is not licensed to collect debts in the state of New Jersey, where I reside. This raises serious questions about the legality of their actions and the validity of the debt they are attempting to collect. 

Furthermore, I believe that Kinum  XXXX has failed to adhere to the required procedures outlined in the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have neglected to provide me with proper notification of the debt and an opportunity to dispute it, as mandated by law. As a consumer, I am entitled to certain protections under the FDCPA, including the right to receive written notice of the debt within
five days of their initial communication and the right to dispute the debt within 30 days. However, I have received no such notification from Kinum XXXX, which is a clear violation of my rights as a consumer. 

I am deeply concerned about the impact that this inaccurate and potentially unlawful reporting may have on my credit score and financial well-being. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Kinum XXXX for their failure to comply with the FDCPA and their unauthorized collection activities in New Jersey.