davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

As I stated in my previous complaint, I have no business with this company. I owe and pay  XXXX  monthly and will continue to do so until this debt is paid. I will not  pay Transworld Systems INC. an ything neither will I pay  XXXX  anything more than I owe in my contract with them. The information sent to me via this site is only information this company obtained from  XXXX  not validation I owe this company anything. There is no signed contract between this company and I so I ask that they not contact me any further if they do I 'd like them charged for harrasment of a creditor for a debt that 's being paid. I will provide the m one  more time this information of my business with  XXXX  and they need to leave me alone. It is not legal to harass consumers for paid debts.
Consumer complaint received 2017-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NC)

I am trying to make my regular mortgage payment and the lender refuses to accept regular mortgage payment due to carryover late fees from a prior lender. They are trying to collect those fees by altering my fixed mortgage payment. Now they refuse to accept my regular mortgage payments. I explained to them at this time I could only make my regular mortgage payment of XXXX and they refuse to accept it. They said they could only accept XXXX. My payments to this lender Statebridge Co has never been late.
Consumer complaint received 2017-06-15
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. (NC)

I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1 )     XXXX   XXXX -17  XXXX  17   XXXX   XXXX -17  XXXX   XXXX -17  XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX -17  XXXX   XXXX -17  XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX   XXXX   17   PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2. XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JUMBO LOAN EXPERTS LLC (AZ)

Hi, I was working with XXXX XXXX from JumboLoanExperts and he pulled my credit to give me a prequalification letter. He wanted me to wok with particualr agent of his choosing and if not he says he will not give me a prequal letter as required per law. I am deeply dissatisfied with his business etiquette,. It was utterly unprofessional and not fair towards me. 

Please take an appropriate action towards this lender/broker. 

Thanks!
Consumer complaint received 2020-06-22
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. (GA)

I have been denied credit on a fairly consistent basis. Ive disputed closed accounts on my report and CB will not remove them as they continue to report. The dates of last payment and last reported on all my accounts differ between all 3 major CBs. I have reported that they have undesirable and injurious information that is not allowing me to obtain credit. These accounts feel like I am tied to an anchor and dropped in the middle of the sea. 

Please help me!!!!!!!!
Consumer complaint received 2022-10-03
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: RFNA, LP (SC)

15 U S Code 1681 section 602a ( 4 ) states that consumers have the right to privacy. My rights as a consumer has been violated by the company list below. Republic Finance, LLC- Acct. # XXXX U S Code 1681c ( a ) ( 4 ) ( 5 ) states that except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U S Code 1681-2 ( B ) ( i ) the PERSON has been notified by consumer at the address specified by the PERSON for such notices that specific information is inaccurate. I have notified this company by disputing with them, CFPB,, and credit reporting agencies.15 U S Code 1681b ( a ) ( c ) ( 2 ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I never gave written instructions for this company to furnish anything on my consumer report.15 U S Code 1681a section 603 ( d ) ( 1 ) states the term " consumer report '' means any written, or, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establish the consumer 's eligibility ; ( 2 ) EXCLUSIONS ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company has report damaging transactions or experiences that has affected my credit standing, credit worthiness, general reputation, and my mode of living. 15 U S Code 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I never authorized any interest, fee, charge, or expense for this debt. The debt is charged off to profit and loss. I received a 1099-C form from the company.15 U S Code 1692e ( 2 ) ( A ) the false representation of ( A ) the character, amount, or legal status of any debt is a violation. The amount and legal status of this debt is inaccurate. My consumer report states that the account is listed as closed. It is still being reported as in collection with a balance of { {$13000.00} }, monthly payment of { {$470.00} }, and a payment history that is reporting transactions or experiences which is excluded under 15 U S Code 1681a ( 2 ) ( A ) ( i ).
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (FL)

I bought a mattress from XXXX XXXX XXXX in XXXX XXXX, Florida. I financed {$1100.00} with Acima Credit. I paid the balance before the 90 day deadline. I had a credit report last week that says I owe {$1600.00} to Acima. I called Acima yesterday and they said I do not owe anything. I never owed {$1600.00} to Acima. This is fraud.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

When I called the bank, someone said they were XXXX XXXX and this was a auto loan inquiry. I said I had bought a car in over four years and was not looking for a car. I got rerouted to a number that was not available. XXXX/XXXX/2016 XXXX has requested a copy of your Credit Report Hide Details Business : Phone : Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/2016Reported By : Experian
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

The below complaint was submitted prior, a rep by the name of XXXX XXXX with Wells Fargo replied stating the ODCR EO, ( Overdraft Deposit Collections Recovery Executive Office ), has made several efforts to resolve my concerns and exhausted all resources.. I will again assure the CFPB this reply is first off, a form reply. Second, it is a lie as there were no such efforts and or attempts to resolve concerns/issues brought forth. Wells Fargo has tried and failed to use this general form reply numerous times in the past and has worn it out ... If there were such attempts they would be detailed and would include calls, emails, or other attempts reaching out which there aren't any. Please see complaint below.. 
Numerous CFPB complaints have been submitted prior against Wells Fargo in regard to unauthorized checking and savings accounts opened in my name by Wells Fargo reps in the past, as late as 2104.. Wells Fargo reps reply to CFPB stating in part ... " Numerous attempts at resolution made, exhausted all efforts '', which I can assure the CFPB and any other third party is a lie.. A XXXX XXXX replied to last complaint,  this is the fifth rep to use such bogus reply as detailed earlier ... If anyone at Wells Fargo has made any such resolution attempts, they would be detailed and would include reaching out by Phone, email, mail..etc ... There were no such attempts, this is a general form reply Wells Fargo reps use and is blatantly obvious.. Complaints were filed in regard to fees charged to unauthrorized accounts, specifically overdraft fees. Wells Fargo has replied in part by sending me mediation request forms, a total of five of these such forms have been filled out, mailed in. XXXX XXXX with mediation at Wells Fargo contacted in me XXXX, offered a settlement amount of {$3700.00} which was accepted.. A check was sent in that amount including estimated income tax to IRS, a total of {$5100.00}, which was intercepted by another party and cashed in my name. I've been working with a XXXX XXXX, a supervisor with mediation, he is looking into fraud check and he was provided info as of XX/XX/XXXXwhich was provided by myself from an XXXX in fraud investigation ... I was told by XXXX the funds from check were returned on XXXX I believe to the account issued from with Wells Fargo.. I relayed this info to XXXX on XX/XX/, do not have any confirmation check is or will be reissued as of yet..
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I have student loans  with Navient th at are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  Navient  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IN)

I purchased a garage door opener and installation package from  Home Depot  and used the Home Depot credit card for the purchase. I purchased the unit in the store and brought it home.The installer came out and said there was an issue with the opener and had to take it back t o Home Depot. Home Depot s omehow called my mother who lives in Florida - to my knowledge her phone number is not on my Home Depot account - and advised her that I would have to buy a new opener since I purchased mine online ( which I did not ). The installers sai d Home Depot  would not release the unit to them, even though they are the in-house company  Home Depot  selected. I called  Home Depot ' s customer servic e three  times, they transferred me around and dropped my call, ultimately wasting my time and offering no resolution. All the while the opener and the install service remain on my credit account.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

After 3 months and providing all required and qualified documents and assets needed to close the Refi they told me that they can't close on conforming loans any longer. Thus, they extended the closing date to mid-XXXX and turned the loan into a " non-conforming loan '' and asked for substantial assets that needed to be provided which I met. 

Despite meeting the new assets requirements I was still denied due to a non-disclosed internal timeline. I asked the loan agents and Fulfilment department to disclose these with me in writing but they never did. _- Please note that I provided all required documentation asked from me within 24-48h and that a delay of over 2+ months occurred as loan agents and underwriters didn't move forward in the process, never responded, couldn't find or upload documentation I provided to them, and so forth. 

This " process '' has been malpractice from the beginning. As mortgage rates went up during the process and as there is nothing to gain from my Refi, Wells Fargo intentionally delayed the process, added more miscellaneous requirements ( without proof in writing ) to the process only to deny the loan. 

All of the loan agents I talked to are the epitome of bad customer services and dubious business practices. I would like all ( long-term ) clients to know that Wells Fargo is not able nor willing to Refi any conforming loans unless you have cash assets to cover 12 months of mortgage payments, insurance, and property taxes ; son on average $ XXXX $ XXXX. ( which I have ). Even if clients meet these " new requirements '' which are never disclosed in writing despite numerous attempts customers may still be declined. Meanwhile, other Banks and Brokers are providing in-house appraisal and allow clients to refi using the standard conforming loan. 

Long term clients are given the run-around, being lied to, and questions to reveal terms and conditions simply denied. I am seeking an immediate investigation into the Loan Processing Department and Wells Fargo to reveal on their websites that they are not able to provide confirming loans and revel the terms of conditions of the non-conforming loans. Clients who wish to close on time and save money, especially during these times, should not waste their time and money and know what to expect.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUSTMARK CORPORATION (MS)

My father ( XXXX XXXX XXXX XXXX ) died XX/XX/2020 at XXXX Hospital XXXX MS . Mother went into Trustmark National Bank -- XXXX MS -- XXXX XXXX XXXX XXXX XXXX. Spoke with XXXX XXXX while presenting Funeral Bill who requested a Death Certificate. On XX/XX/2020 mother returned with Death Certificate and still Mrs XXXX refuses to release the fund to pay for funeral bill. Trustmark and it reps show to be insensitive and be taking advantage of a vulnerable adult who's grief stricken. Trustmark should show a little compassion by the releasing of the funds in the account with my father 's name attached as primary account holder.
Consumer complaint received 2017-06-15
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. (GA)

I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired from [ Experian, XXXX, XXXX ], I noticed an inquiry made by : -XXXX XXXX XXXX , XXXX. XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. <P/>I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. <P/>1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. <P/>2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. <P/>3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. <P/>4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. <P/>As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved.
Consumer complaint received 2020-10-07
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: I.C. System, Inc. (VA)

I am filing a complaint of non-compliance against the following collection companies : 1 )  I C SYSTEM ( XXXX XXXXXXXX XXXX XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX  XXXX  ) 4 )  XXXX  This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records  and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the  information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CA)

I made a check for {$70.00} to pay   XXXX   on  XXXX   XXXX ,  XXXX . I noticed on  XXXX   XXXX ,  XXXX  the check for {$5700.00} being paid from my account. The check was altered and made  Payable  to  XXXX   XXXX  along with amount of {$5700.00} and not the {$70.00}. I contacted the Bank of the West branch  manager   XXXX   XXXX  about the problem. He said he would handle it.   I was also the victim of another altered check at the same time period from another bank and I was credited for that amount in a couple of weeks. That other check was also altered and Made payable to  XXXX   XXXX  for {$5800.00} and I had made it to the city of long beach for {$500.00}.   I insisted with  XXXX   XXXX  my branch  manager  for months after and said he was checking on it ...  XXXX  of  XXXX  came and he informed me that the bank was not going to credit me