davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-29
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS ( also known as Specialized Loan Servicing , LLC ) is illegally billing me for a loan from XX/XX/XXXX which is over 9 years ago and it was forgiven in the loan modification of XX/XX/XXXX. 
1 ) I am attaching the latest Mortgage Statement dated XXXX/XXXX/XXXX that I received from SLS. This company must be stopped from falsely trying to collect on a debt that does not exist. 

2 ) The Deed of Trusts ( attached ) are dated XXXX/XXXX/XXXX for the XXXX mortgage of {$440000.00} with XXXX XXXX XXXX XXXX XXXX and the XXXX mortgage of {$55000.00} with XXXX XXXX XXXX XXXX XXXX. The loan servicing company was XXXX. 

3 ) A loan modification ( attached ) was processed in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which states in the XXXX paragraph of the Loan Modification Agreement shows the XXXX dated XXXX/XXXX/XXXX and XXXX dated XXXX/XXXX/XXXX are included in the modification : a. This Loan Modification Agreement ( " Agreement '' ), effective on the date set forth below, between ( myself ), ( the " Borrower ( s ) '' ) and XXXX XXXX XXXX, XXXX. ( " Lender ) amends and supplements ( 1 ) the Mortgage, Deed of Trust, or Deed to Secure Debt ( the " Security Instrument '' ), dated the 02 day of XXXX, XXXX and in the amount of {$440000.00}, and ( 2 ) the Note bearing the same date as, and secured by, the Security Instrument ( the " Note '' ) which covers the real and personal property described in the Security Instrument and defined therein as in the " Property '', located at ( address ). 

4 ) I am attaching the Case No. XXXX where the FTC vs. XXXX and XXXX. 

5 ) I am attaching the Housing and Urban Development Final Civil Action dated XXXX XXXX, XXXX ; XXXX XXXX XXXX Settled Alleged Violations of the False Claims Act by XXXX XXXX XXXX , XXXX. 

Cc : XXXX XXXX XXXX ( Local Counsel ) XXXXXXXXXXXX California Bar No. XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorney for XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX ( XXXX ) ; ( XXXX ) XXXX ( XXXX ) XXXX : ( XXXX ) XXXX
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (AZ)

I have had a total of four different times. Some one is trying to use my former divorced name and address and phone number and social security number from 12 years ago. They have applied for XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 2 times XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. 
They have showing up on my credit reports as hard inquirers. I have called and had them removed. But found some one is still trying to use my former name and information.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

To Whom It May Concern, I purchased an XXXX  at the XXXX XXXX XXXX Ca. on XXXX XXXX and I represented my XXXX card for payment. The well programmed sales person offered me an Apple Card instead for a change in discount! So I was surprised with a Goldman Sachs XXXX account unwillingly! Also a difficult option to decline and back to XXXX! 
Following my intuition on the unwanted CC, I returned the XXXX in the unopened box to XXXX XXXX XXXX store on XX/XX/2013, which caught the recipient sales person 's attention, " You haven't even opened the box yet ''! 

A well meditated receipt that will fade out in no time at all and a recycling fee add on for nothing to be recycled on top of all was an enough red flag already! 

My intuition had served me right! 

I received an email yesterday from Apple Card Support asking for {$42.00} initial payment of the taxes, marked passed due and subject of reporting to Credit Bureaus THREAT! As if it matters to a man of XXXX, The XXXX! Lol So I called the customer service provided number XXXX XXXX and a respondent female HUNG UP on me when I said '' That XXXX was returned ''! She had a crying baby in the background! 
Today I receive another email to view my statement of the charges! I DID NOT! 
Note : That I had asked for my Gold [ MAN ] Sachs card to be CLOSED UPON RETURNING the XXXX! 

Is this GoldMan Sachs Bank Apple Card a SCAM OPERATION, or FRAUD?
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I deposited my payroll check in the amount of {$500.00} which at first I thought it wasn't accepted because I was denied access online to my checking account that I had recently opened online so I cashed the check at a local store nextdoor to my employer after receiving a email stating my checking account was being closed for unknown reasons with in 60 days then my employer contacted me stating the store was going to the police luckily my employer XX/XX/XXXX out of and they showed that the check had already been cashed so I reimbursed the store {$500.00}. And was able to keep my job after showing them the emails citigold bank sent me my boss showed me where citigold bank received the funds I contacted Citi Gold bank they was able to explain why I was denied access to the funds other than I supposedly violated the terms and my money would be mailed to me after 60 days 60 days went by I contacted the bank again and I still have not received my funds I don't understand how they can cash the check and immediately blocked my access to the funds because the check is real and they received funds from my employers bank I almost went to XX/XX/XXXXand almost lost my job and still have not received my funds from my paycheck for working 40 hours for my employer I've contacted the bank multiple times with no corporation towards me obtaining my funds I earned I don't know how they can do this legally
Consumer complaint received 2015-08-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

I have attempted to file a credit life insurance claim with Wells Fargo Home Equity on a HELOC that was extended to my mother in 2009. She paid the premium diligently every month. In XXXX she passed away after a long fight XXXX. I have visited XXXX branches, called the customer service phone number, spoke with their collections department and been shuffled around for 5 mos in an attempt to have the HELOC paid through the life insurance it was protected with. I was initially told by the branch manager at the XXXX MI branch there was no insurance. I persisted knowing there was as you could see the premiums paid on the statement. I was then given information for the insurance company and filed a claim. I took the paperwork I received into the XXXX XXXX XXXX XXXX XXXX and was told by a banker and the branch manager that they did n't know how to complete the portion that was required to be completed by Wells Fargo and that I could just complete it myself. I called the insurance company and they said to send it in without that portion completed so they could process the claim. A few weeks later they sent me a letter saying they do not hold the policy for this loan. 
I began making payments on the loan as they were threatening repossession of the home my mother left to me. When I reached out to the collections rep he told me that if I can not afford to pay the loan that I should just sell the home or do a deed in lieu (? ). It is like they are not even listening to what I say. In a final attempt I sent a written letter asking for their assistance in resolving this and giving them 5 business days to respond. I was contacted by phone and told they were hoping to have an answer for me by today. I also received a letter addressed to my mother saying since they can not discuss the loan with me they are writing to her. My mother is dead, I have n't heard from then again yet, I need help ...
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (TX)

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2017-01-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Critical Resolution Mediation LLC (CA)

Same people! leave msgs on work phone, home phone saying it is either XXXX XXXX or XXXX XXXX phone XXXX They are a XXXX debt collection company that I have complained about before and to the State Attorney General. they leave threatening messages, they just wo n't stop! they are called Critical Mediation XXXX for XXXX online loans. I paid off the last one I took out before XXXX. I was owed money for over a year and finally paid everything off!
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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 that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : * What the money you say I owe is for; * Explain and show me how you calculated what you say I owe : * Provide me with copies of any papers that show I agreed to pay what you say Iowe : * Provide a verification or copy of any judgment if applicable : * Identify the original creditor. 
* Prove the Statute of Limitations has not expired on this account : * Show me that you are licensed to collect in my state : California * Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ) this action might 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 to bring legal action against you for the following : * Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act * Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

**Attachments showing that this account has been deleted from the other credit reporting agencies. **
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (AL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NV)

I 've been trying to pay down my student loans and the interest is keeps going up. I had these loans since 2007 and I did not realize when I signed the contract my private loan is adjustable. I was young and irresponsible and now I 'm paying the price on paying these back. I have XXXX student loans and my biggest concern is my private loan. The lender is through Navient and I tried talking to them and reasoning with them with a better monthly payment but they want me to pay about {$400.00} a month and I can not afford that. I 'm constantly getting harassed with numerous calls and emails and they added new fees and my interest on my loans are constantly going up. I work but I 'm not making as much and I have rent, a vehicle, I 'm paying unemployment back the money I used abusively to pay back my student loans, and I have to pay them back or I will be in prison and get charge a felony. I have a lot of debt and I did file bankruptcy this year but some of my debt could not be discharge. I 'm not sure who I can talk to about this and I ca n't afford to pay that much and I did not even get a degree. I had to stop going because I could not afford to keep going anymore and I only last 8 months and now I owe around XXXX. I wish I had an understanding on how everything worked before I signed the contract and got myself into these loans. When I signed, I still had to pay out of pocket to get get supplies and I did not have a car at the time and had to figure out how to get to school and etc. I 'm very XXXX and XXXX out and I now have an condition called XXXX and it 's effecting me and my job. I need assistance.
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Referencing USAA fraud investigation number XXXX, I received notification of an incorrectly disclosed mortgage cost resulting in a refund check of {$2400.00}, stating that the check had already been sent separately. After a month or so, figured out with USAA that the check had been cashed, the screenshot of signatures was a set of fraudulent signatures, not my wife and my own. I initiated a fraud investigation with USAA and received by mail the required forms. I submitted the forms by mail no less than 6 times with slight variations on the way in which they were to be filled out, often requesting information formats from previous iterations. I submitted the last iteration with a signed letter, the text of which is copied below. A month later I received notification saying that the fraud investigation was being closed since too much time had passed. This was clearly a stalling tactic in order to reach this arbitrary deadline with no intent of paying the money that was incorrectly withheld years ago. 

The following letter was mailed to USAA in response for another variation on the same form, which was also included. 

Attn USAA Fraud Investigation personnel, Referencing USAA fraud investigation number XXXX, I have received multiple requests for the same enclosed form requesting slightly different variations of information each time as documented in the attached. The latest request asked that I fill out section XXXX statement of fact which is clearly marked in instructions as information provided by the maker ( the entity who wrote the check, which is you, not me ). 

This is clearly an attempt to not address the issue at hand which is an overcharge for services {$2400.00}, the loss of a check ( I still have not received information from USAA on where the check was mailed ) and the resultant loss of income that could be made from that amount of money during the time lost which is significant in today 's economic climate. If I receive another request for the filling out of the chase declaration of unauthorized endorsement or altered item form with slightly different information requests, I will be elevating this case to the consumer finance protection bureaXXXX and closing as much business with USAA as I possibly can. Please resolve this issue as soon as possible, the service level is not acceptable. 

Please address any questions to to myself at XXXX, XXXX XXXX
Consumer complaint received 2016-04-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

when the economy folded my business failed as well as a XXXX my money was cut XXXX percent. then marital problemsI was transferred to Boa from Countrywide Mortgage and has had problems every since, feel back on my mortgage with bank of america missing XXXX payment on a modification with countrywide, I had just buried my mom and was a few days behind because of the stress that I had to take on, I have worked with approved and other housing counseling companies trying to obtain a Boa modification. At first, boa policies were you could only apply every 24 months then about 2 years ago the policy changed. I was denied a modification because I did not make enough money to prove my financials being self employed, of course 2 years had passed.After having numerous account managers who never submitted my docs to the new one in charge, I always had to submit new docs.. this has gone on for years ... now I have XXXX housing counsel and we have been submitting docs. this time I have to submit the same docs again ... .7 or 8 months ago ... .I was XXXX percent away from in housing modification ... .I started making XXXX more per pay period and we submitted documents again, and we are still having to submit the same package again today. the process of the foreclosure has ruined my credit. each time I filed bankrupt was due to bank of america mortgage, each time I get started a new rep ...
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

I made an online purchase with a merchant and I did not receive what I ordered. I tried resolving with the merchant ; with no success. Then I disputed the charge with my credit card company to pay the merchant and credit back my card. My credit card company would not submit my request because I did not have computer screen shots of the online order.