davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

My loan was original with XXXX XXXX this is where I received a loan modification with my first payment beginning XX/XX/XXXX at {$760.00}, I made all three payments on time. Suddenly my loan was transferred to Ocwen where they made me apply again and again. 
On XX/XX/XXXX, I received a letter from Ocwen stating that they have received all my documents, yet they have not given me a loan modification have struggled to keep this home for my family. Now I have a letter from OCWEN dated XX/XX/XXXX, stating my investor Trustee of XXXX Securitization Trust Series XXXX does not participate in HAMP. First of all I never received any such notice of a transfer, additionally, I was already approved and paying for a loan modification. I do n't know if my trustee is the same as it was when I was with XXXX or has it changed, again, no notice.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (GA)

On XXXX/XXXX I drafted a letter to Experian asking them to investigate my disputes. They replied via email stating they received a recent request regarding my credit information that does not appear to have been sent directly by me or to be authorized by me. The letter specifically states it was sent by me. Experian chose to disregard my letter and the statement clearly specifying the letter came from me. In their letter they stated that " we have not taken any action '' after I requested they investigate and delete these items that are in question, as a result they are in violation of the fair credit reporting act.
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (TX)

CREDIT PROTECTION ASSOCIATION IS TRYING TO COLLECT $XXXX FOR UN-RETURNED CABLE EQUIPMENT TO BROADBAND CABLE.THE EQUIPMENT WAS RETURNED VIA CERTIFIED MAIL AND I HAVE THE RECEIPT. IN XX/XX/XXXX CREDIT PROTECTION ASSOCIATION COULD NOT VALIDATE THIS DEBT AND WAS REMOVED FROM MY CREDIT REPORT. IT HAS SINCE POPULATED AGAIN. I NEED THIS DEBT CLOSED AND REMOVED FROM MY CREDIT REPORT ASAP.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One gave false and misleading information stating if we paid off the card in full we would receive our credit lineback. They now refuse to give the credit line back after the card was paid in full. We have XXXX other accounts in the same sitiation they released when they were paid in full. We have been told a collective XXXX difference reasons why the account can not be reopened and are not completing the requested phone call reviews.
Consumer complaint received 2015-12-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing to you under a Power of Attorney given to my husband and I by our son XXXX XXXX XXXX. Bank of America is giving us what can only be described as the " run around. '' In approx. 50 days, XXXX XXXX XXXX, our son 's payment on a HELOC issued by Countrywide will triple. He has been paying interest only on the loan for 10 years, so he has paid them roughly {$35000.00} in interest. He inquired about a refinance or loan modification in XXXX XXXX, which was denied by XXXX XXXX. When we finally got her to call us back to inquire about the confusing denial letter, she said the correct way to proceed was with a Making Home Affordable Application. She requested and we sent her the POA and on XXXX XXXX, XXXX, we XXXX the completed application. On XXXX XXXX, XXXX, BoA issued a letter to XXXX saying that XXXX XXXX would no longer be our dedicated representative. The letter gave us a new number to call for status : XXXX. A loan specialist named XXXX called our son XXXX XXXX XXXX on Wednesday XXXX XXXX, XXXX. Our son referred the loan specialist to XXXX XXXX XXXX under the POA. The loan specialist said he could not find the POA in the Bank 's document system. He asked us to fax it again which we did. The fax was confirmed. Checking back with BoA we were connected with XXXX different people each of which could not answer our inquiry and none of them could locate either POA, nor the application. I feel certain that these are delay tactics in order to spin out the time until the payment triples and then they will sell the loan making modification nearly impossible. I wrote to the monitor recently because I do n't think BoA is acting in good faith. It is overlooking a whole category of borrowers drowned by Countrywide. I am attaching the letter to the monitor and XXXX complete application which states how he was harmed. Anything you can do in this case to make sure XXXX gets full and fair appreciation will be greatly appreciated. XXXX XXXX XXXX XXXX ( by POA ).
Consumer complaint received 2015-12-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I deposited a check for {$7500.00} in my checking account at Wells Fargo Bank. The check bounced. Wells Fargo deducted {$15000.00} ( that is, the {$7500.00} check amount was never added to the balance ; when the check bounced, {$7500.00} was deducted from the account ) from the account and added about {$2300.00} from my Wells Fargo credit card to create a positive balance. The agent I spoke with on the phone had no idea how to handle the problem. I went to my local branch and spoke with the manager. At first he was n't interested in doing anything about the problem and called the XXXX {$7500.00} a " pledge. '' He was unable to explain what a pledge was. I was outraged. He finally adjusted the amount to show the proper checking account balance including repaying the credit card and assuring me I would not be charged an advance fee. 
This cost me 3 hours of my life and a great deal of aggravation. It is my feeling that if a bank can penalize a customer for a mistake, then a customer should be able to penalize the bank for a gross mistake ( which was apparently standard practice and not a mistake, a purposeful violation of a customer 's rights ). Should I take this to small claims and ask for punitive damages? What can you do?
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A 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 designed 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

Applied for Deed in Lieu of foreclosure with Wells Fargo.. Wellsfargo initially responded to claim : XXXX, stating in process of foreclosure.. The foreclosure process was subsequently stopped, and I have provided all documentation requested for the Deed in Lieu. However, I have not received any response from Wells Fargo or its agents ( title company ). The documentation was received and information used to update County files regarding property. Yet, I still have not received any further communication regarding property and deed in lieu acceptance.
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (TX)

Received a XXXX misc from Chase Bank for overpaid interest due to the Service Members Relief Act. We are frustrated because this should not be considered income for us to pay taxes at years end. This was already tax from paycheck and then we issued a payment against the credit card debt. This is owed money. Not taxable money. I 'm not sure how these banks can get away with this.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A 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 designed 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These reports have been detrimental to my life and my credit health.
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Phillips & Cohen Associates, Ltd. (CA)

i received a letter with no return address, addressed to my estate. the letter read that I was deceased and my estate information needed to be turned over to them to handle my bills. I called the XXXX number listed on the letter and a man answered. I gave him the reference number on the letter, told him i was not deceased and what was the letter regarding. the gentleman kept repeating his name and that all calls were monitored and proceeded to ask my personal information. i gave him the reference number again and asked him to identify whom he was representing before i gave any additional information. he continued to stammer and did not tell me anything outside of his name. I told him that this was a tactic to collect a debt and to open contact with me as by then i had gone through my cell phone call log and found the exact number called me 82 times in one week, but it was blocked per my request from my cell provider. I told him to refer me to a supervisor or someone who could tell me what was going on and why they use such a morbid tactic to gain my information. he said i could not and i hung up and called again. The next agent did not identify herself, simply answering " hello? '' I explained the situation and she asked for my information again. i refused and asked her to identify herself or transfer me to her superior, she refused. i gave her the reference number and she said she would remove my name from their list. I asked her what list and informed her that if she is acting as a debt collector, she has to tell me who the debt originated from. she refused and i ended the conversation. This company sent me a letter saying i was deceased and to turn over my financial information, never did they say who the original creditor was or the amount of the debt. This was an attempt to gain my information as means to collect a debt which they never identified.This company called me XXXX times over the course of a week, if they were under the presumption i was dead, why bother? the company name is Philips, Cohen and Associates XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX reference # XXXX
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My issues with Citizens Bank are numerous. ( 1 ) The bank failed to close on a timely basis despite having 29 days of lead time and confirming both orally and in writing that they would be able to meet the closing deadline. ( 2 ) The bank refused to pay the costs incurred for failing to meet the closing deadline. ( 3 ) The bank failed to live up to its offer to reduce the interest rate by 1/8 % if I opened a XXXX Checking account.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Delinquent account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I had delt with unknown collection for an HSBC card in my name opened in XXXX. I am a military spouse we move a lot and I have never received any correspondence from this company. After sending certified letters to two collections departments claiming they owned the same HSBC account for debt validation in wich I have certified mail recipts and other documentation. The only company who responded was mcm with a letter stating based on my information sent they would remove there collection activity from all XXXX reporting agencies since they where the owner of the account because when contacted HSBC directly they had closed it with no knowledge of my SS or Name. I have since disputed this with expierian who took the account off derogatory accourding to my XXXX rights. Also I have disputed this with XXXX. Based on this I am asking XXXX to stop reporting this account as derogatory. Dept valitation was never given to me in the form of what was asked as my signature on the said credit card and any sort of proof of debt other than just saying it was put under my name and social is not acceptable as anyone can do that with that information. Until I am provided with a complete investigation and documents sent to me with last payment canceled check or proof of any liability this should not be reported as derogatory. I have been asking for this since XXXX and have had many XXXX violations commited and will with all my power give over all my recored documentation to the appropriate channels.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, XXXX, I mailed a letter to Experian asking for them to conduct an investigation on various accounts. I received a letter dated XXXX XXXX, XXXX stating that " If you question the results of our dispute process, then you may want to contact the furnisher of information directly or review the original information in the public record. Please refer to your original personal credit report the furnisher or public records office name, address, and phone number ( if available ). 

According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agency 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information r the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosed all relevant information regarding the consumer 's dispute, etc. '' *This letter was sent to me however no results to the investigation were ever provided. 
*Using the report # on the letter sent, I was not able to access my credit report. 
*I was unable to access my credit report with the report # or with my personal information. 
*Contacted Experian on XXXX XXXX, XXXX and spoke with XXXX and went over the items that were placed under dispute. Not all items listed on my request were placed under dispute. XXXX stated she could n't see where they had sent out the results of the dispute and could n't find my letter initially. 
*She offered to place the items that were included on my letter that they did n't place under dispute in dispute, and I declined.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (MD)

At approximately XXXX PM today, I received a phone call from a scam likely number. The caller indicated they were from Harrison Harris and I had an outstanding debt from XXXX. I did not recognize that dad and I monitor my credit regularly and theres no such account or activity so I requested that they do not call me any longer.
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Municipal Collections Services, Inc. (IL)

XXXX Services Inc. is reporting a non paid red light ticket on XXXX. This is not consumer debt and should not be reported on my credit bureau. These tickets are not mine. Another individual was driving my car and I was not in the car at the time of the occurrences. I was told I am responsible when someone else is driving my car. 

I have called both the credit bureaus and the collection agencies. They said they can do this. This is not consumer debt these are fines. Traffic Violations are not reported to credit bureaus. Therefore all of these fines which are not mine should not be reporting on my credit bureau.