davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: BARCLAYS BANK DELAWARE (MA)

Please be advised that you need to cease with telling me I'm late ... by email ..letters to my address or phone. Or any means... so also stop with your auto reminders that I'm late ... I'm obviously aware I retained an attorney ... you can reach him at XXXX XXXX XXXX Address -- XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2023-09-06
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: JPMORGAN CHASE & CO. (OH)

I had started a business. I later closed the business and all accounts linked to this business so I had thought. I no longer had access to my business accounts later to find out my credit card account was being charged for a business page that was closed and no longer functioning. I had tried to dispute this entire transaction because it should have never been charged as I had closed my business account a year almost prior to this charge.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX XXXX XXXX XXXX XXXX  there were two atm transactions for {$63.00} at an atm in XXXX XXXX XXXX. Having never been there I filed a claim with the bank ( Wells Fargo ). Wells Fargo investigated the transaction and wrote me a letter telling me they determined either myself or someone with my permission had used the atm in XXXX. I immediately called and asked how they had that determination and they said the atm showed that the card was used and therefore it had to be. I asked them to explain how that happened when I was with my card in XXXX XXXX  and they couldnt provide that information. Obviously if this can happen once it can happen again with a much larger sum of money and since the bank wont remedy this situation Im not sure what to do next.
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

The company does not have a contact number via my credit report. XXXX has confirmed this also each of the 6 times I disputed the account. I constantly request to have a bill sent to my house or email or even a phone call. But i never get anything. I dont know this creditor. Ive never heard anything about them or from them. There is no contact information. This was not me. The amount for {$590.00} thats saying I owe, I do not. I dont not know this fraudulent company nor how they got my information
Consumer complaint received 2023-09-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (TX)

Dear Consumer Financial Protection Bureau, On XX/XX/2023 I was contacted by an agency threatening to sue and garnish my wages. I am writing to file a formal complaint against the debt collection agency XXXX XXXX regarding their egregious violations of consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), as outlined in Title 15 of the U.S. Code, Sections 1692e, 1692d ( 1 ), and 1692d ( 2 ).

1. False Representation of Debt ( FDCPA Section 1692e ) : I have been subjected to misleading and false statements by an employee of XXXX XXXX named XXXX. XXXX falsely claimed that my wages would be garnished, and additional actions would be taken against me if I did not immediately pay a debt. Such deceptive tactics directly contravene FDCPA Section 1692e, which prohibits false representation of debt. 
XXXX. Harassment and Unfair Practices ( FDCPA Sections 1692d ( 1 ) and 1692d ( 2 ) ) : Despite the debt in question being over XXXX years old, and thus outside the statute of limitations in the state of Texas, XXXX and XXXX XXXX have engaged in relentless and intimidating communication, amounting to harassment. This behavior is in direct violation of FDCPA Sections 1692d ( 1 ) and 1692d ( 2 ), which prohibit harassment and unfair practices. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into the actions of XXXX XXXX and take appropriate measures to ensure they comply with the FDCPA and other relevant consumer protection laws. 

Furthermore, I urge you to take action to protect consumers from the deceptive and intimidating practices that I and potentially others have experienced at the hands of this agency. These actions not only harm individuals but also undermine the integrity of fair debt collection practices. 

Thank you for your prompt attention to this matter. I look forward to a resolution that upholds consumer rights and holds XXXX XXXX accountable for their violations.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WV)

Limited XXXX PSLF waiver for qualifiing payments could count paid on them or was on IDR those years and they wont count them as qualifying payments. They will only count my current employment of government from XXXX-current. They refuse to count any previous payment regardless of status it were in as it reads. Can you please help very misleading.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA/Compass Bank continually reports on all three credit bureaus that I am late or unknown data or " charged off '' on an account that has originally been charged off for almost two years. # XXXX The reporting and status information is never 100 % correct, yet they refuse to remove the account from my credit reports. Furthermore they never list the full account number that I previously listed, so as to confuse me and make disputing the inaccuracies very difficult. 

Furthermore this account has recently been sold/transferred to XXXX XXXX # XXXX and should have a {$0.00} amount as such. Also since the account is closed with a {$0.00} amount it should be removed from my three credit reports immediately.
Consumer complaint received 2023-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I approached bank of america for a HELOC towards the end of XXXX. Following the underwriting process this HELOC opened in XX/XX/XXXX. 

As per the HELOC terms and conditions explained to me by the Loan Officer on a recorded line ( which I dont have direct access to at this point ), if I met the follwing 3 conditions, a discount of 1.5 percentage will be applied to my rate ( prime + .18 % ) : 1 ) I should draw down aleast XXXX USD at closing 2 ) Do not pay back any additional principal for 1st 4 months 3 ) Use autopay from my checking account to pay the HELOC dues I met all three of these conditions. A preferential rate, which was lower than the prime rate was applied for the first few months by bank of america. After six months these discounts were withdrawn and now I pay a rate of 8.68 % ( prime + .18 % ) on my HELOC balance, insead of 7.18 % discounted rate as per original agreement. 

When I enquired with bank of america they explain that my current rate of 8.68 % is inclusive of all the discounts discussed before closing. This was not the way the HELOC discount was explained to me during the sales process. Also when I request Bank of America for a copy of the signed agreement that reflects the applicable interests, they send me a PDF document online, that is corrupted and can not be opened on my computer. The HELOC details are below : Account number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NV)

HUNTER WARFIELD INC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (NY)

In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by Ocwen Loan Servicing LLC under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. Ocwen rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got Ocwen to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XXXX of XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from Ocwen which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( Ocwen ) and the credit reporting agencies. Ocwen has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by Ocwen. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from Ocwen claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help me!
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am writing this letter to file a formal complaint regarding an ongoing dispute with XXXX XXXX XXXX XXXX, an account that I had disputed with Experian. I am deeply concerned about the inaccurate information presented in the original documents provided by XXXX XXXX XXXX XXXX during the verification process. 

On XX/XX/2022, I initiated a dispute with Experian regarding an account held by XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I requested that XXXX XXXX XXXX XXXX verify the information they were reporting. Subsequently, XXXX XXXX XXXX XXXX responded by sending over what they claimed to be the original documents related to the account in question. 

Upon reviewing the documents provided by XXXX XXXX XXXX XXXX, I was shocked to find that the information contained within them was grossly inaccurate. According to the documents, my address was listed as " XXXX, NV XXXX. '' However, it is important to note that there is no such place as " XXXX, NV '' either in the state of Nevada or anywhere else in the United States. This glaring error raises serious concerns about the accuracy and validity of the information being reported by XXXX XXXX XXXX XXXX. 

Attached to this letter, you will find copies of the documents sent by XXXX XXXX XXXX XXXX  as well as a map showing that no such location as " XXXX, NV '' exists within the state of Nevada. This clear discrepancy not only questions the authenticity of the documents provided but also the integrity of the information being reported by XXXX XXXX XXXX XXXX. 

I strongly urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify this situation. It is crucial that inaccuracies and errors in credit reporting are addressed promptly to ensure the fair and accurate representation of individuals ' credit histories.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I can not access my TransUnion account online, and TransUnion can not figure out what the problem is. 
XX/XX/XXXX - I try to log into my TransUnion account to remove a credit freeze so I can change my internet service to fiberoptic cable. Currently, the provider says there's a freeze on my accounts so they can't check my credit. I have removed the credit freeze from the other two credit agency accounts, but can't access TransUnion. 
Over several days I reset my password several times, try to set up a new account, empty the cache. I wait before logging in to see if any of these steps works. 
XX/XX/XXXX - Call TransUnion. Representative tells me that he can get into my account and that it looks OK on TransUnion 's side. With his assistance I clear the cache and reset the password. He tells me that I should wait XXXX hours and try to log on again. 
XX/XX/XXXX - XXXX later. I still can't log on. I call TransUnion. They suggest basic trouble shooting : new browser ( I switch to XXXX and reboot my computer ), clearing the cache. Representative puts me on hold to follow up on what to do. After a XXXX minute wait he tells me there is something wrong with my account, perhaps it needs to be rebuilt. Gives me a case number and says TransUnion will follow up in XXXX business days. 
XX/XX/XXXX - I haven't heard from TransUnion, call to follow up, provide the case. Rep tells me he can't see anything wrong with my account and puts me through the same basic trouble shooting. I tell him I have already done all these things with the previous representatives. I ask what the case says. He says it says there's nothing wrong with my account. I tell him I need to get into my account to remove a credit freeze. He tells me there is no credit freeze. This worries me because I put a freeze and fraud alert on all my accounts several years ago due to identity theft. He gives me another case number and says in XXXX hours a manager will call to follow up with me. 
I have no confidence TransUnion will resolve this issue because they repeatedly suggest the same solutions ( basic trouble shooting ). And they didn't follow up proactively on the last case, as promised. I am now worried that this account is compromised due to the previous identity theft, but I can't see the account because TransUnion has not solved the problem.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am writing this complaint with concerns of fraudulent addresses that appear on my credit report that I have never lived at. It is possible that it might be a relative sharing a old address not mines. Please remove delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, My son, XXXX XXXX, XXXX XXXX XXXX, and I purchased a townhouse located in XXXX, VA, XXXX with a loan from XXXX XXXX XXXX. I put down 20 % and XXXX XXXX provided the 80 % as loan. This loan was later purchased by Chase. On XX/XX/XXXX, XXXX XXXX and I, ( known as Buyers ), submitted an application to assume loan for the property with the purpose of relieving XXXX XXXX XXXX ( known as Seller ) from this loan obligation. The application clearly states that XXXX XXXX is the occupier of the said property and I reside at another property. On XX/XX/XXXX, Chase sent a letter requesting several documents that we spent several days to collected and provided. Sometime between XX/XX/XXXX and XX/XX/XXXX, someone named XXXX from Chase called to request additional documents, which we also provided. On XX/XX/XXXX, Chase sent another letter to request more documents which we completed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent a letter rejecting our application to assume Loan which we are both originally on. The reason for rejection is Property not occupied by all borrowers. 
Again, both XXXX and I are on the original loan, we just ask to remove XXXX XXXX to fulfill her wish. We have not missed or been late on a single payment even after XXXX XXXX moved out in XX/XX/XXXX. We are both employed with steady income. The income presented to Chase along with our credit score and my asset prove that we are more than qualified to assume our own loan. Moreover, when we purchased this property in XX/XX/XXXX, I stated I do not live in the property when applying for the loan and it was approved. Upon several conversation with Chase and ask to reconsider their decision, Chase continues to stand by their decision which I feel it's an unfair practice and somewhat prejudice against our ethnicity or background.
Consumer complaint received 2023-09-05
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. (AR)

I recently received notification of a late payment furnished on my consumer report. I was never late on. Consumer reporting corporations have assumed a vital role and have responsibility to report consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on payments on account ( XXXX XXXX ). Please investigate and provide proof with statements showing that the payment was late. If proof cant be provided. I demand payment be updated to on time as it should be. I was never late. 
TransUnion is in violation of 15 usc 1681b ( a ) ( 2 ) in accordance with written instructions of the consumer to whom it relates. Which means that any item of information on my consumer report can not be placed on my consumer report without my written consent. I am now demanding TransUnion to provide me proof of my written consent ( permissible purpose ) giving them permission to furnish each of the following pieces of information on my consumer report ( see exhibit A in document section ) this is an identity theft action due to TransUnion obtaining my non-public personal information without my consent.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (AL)

Multiple attempts via the lenders website contact info have been made to obtain credentials to login. 

Combined time of 3 hours on hold, their callback service has never called back, they make chat unavailable. They do not email me my username or make it possible to login to set up payments. 

I am at a loss as to how to contact this company to make on time payments.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or list of inquiries 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.