davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo took {$10000.00} from my account with no due process or prior notification that this would occur. The debit on my accounts only had the name of a law firm I did not know and a phone number from a city I had not visited in over 10 years. After some investigation I found that Wells Fargo had taken my money due to a court order against another individual with the same name. I spoke with the lawyer listed on the debit, and he worked with the Wells Fargo lawyer to return my money. 
While I am glad to have my money back I am still troubled by the gross negligence displayed by the bank in taking the money out of my account without verifying any personal information beyond my name ( no SSN, no DoB, etc ). When I asked the bank for an explanation they offered none, then after originally agreeing to escalate the issue to their executive office they began an endless loop of transferring my call to other office that could not help. 
I was lucky to catch this transgression when I did, and even luckier that I was able to live for a short time without the funds they took, but that does not excuse the reckless behavior of Wells Fargo. I hereby ask the CFPB to investigate Wells Fargo in their lack of due diligence when paying debt collectors and prosecute the bank for any illegal activities that the Bureau uncovers.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I disputed this item with Equifax that this item does not belong to me, they came back saying that this item was verify by the creditor and that I should contact the creditor for more information. I try get them to tell me what method did they used to verify this information, but was told that it all electronic and there is not a person that they spoke with. I asked then how can you verify this information when you did n't speak to a rep from the creditor but she say that how Equifax verify information. I contacted XXXX XXXX XXXX XXXX to send me a the contract agreement that I consent to contract but they refuse to sent me the information instead asking me to resend the information that I already sent to the in my letter, which include the account number, the date of last activity, account satuts and amount due/charge off. XXXX XXXX reporting on Equifax that this item was charge off /sold {$8500.00}.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC. (NV)

On XXXX XXXX, 2015, I informed Ally Bank of XXXX transactions that I did not authorize nor did I engage in. The bank sent me a letter dated, XXXX XXXX, 2015 acknowledging the disputed transactions totaling {$2800.00}. As of XXXX XXXX, 2015, provisional credit for the XXXX transactions ( totaling {$2800.00} ) have not been posted to my account. ( Documentation is attached )
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Our residential mortgage balance ( with no extra principal payments ) has reached the 78 % threshold as outlined in HPA. Bank of America is refusing to drop our PMI claiming that New York Law has a 75 % threshold. The HPA supercedes New York Law as far as I can tell.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capt one XXXX chgs for for XXXX, XXXX XXXX each, this ventor was informed in the time frame to cancel. They cancel a XXXX chg as they could not provide the services of a search, and I informed them in the XXXX day period to cancel. They did n't and keep chging the acct XXXX twice
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Google Compare Credit Cards Inc. (MD)

On XX/XX/XXXX. 2024, Google incorrectly debit {$120.00}. To date I have a credit on the Google XXXX account of {$240.00}, that Google said they would refund me and has not until this date. I want this money back on to the form of payment that I have on file. Nothing more. Attached are the discussions I had with Google related to the matter.
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (MI)

I have received calls from a General Revenue Corporation on a debt they claim is owed by my partner. To date, they have called : * me * my mother * my father * my sister all on our personal cell phone numbers. None of these numbers have been provided as contact points, and there is no overlapping financial concerns that would associate us with this claimed debt. I called General Revenue in an attempt to obtain an address where I could send a registered " do not contact '' letter, and was directed to a separate XXXX number for their complaint department. I was told this department would be able to provide me with the information I requested. This number went to a voicemail box, and so far I have not received a call back. I called back to the original number, and was told the complaint department is the only place that can assist with this information I understand they are required to supply.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I forwarded to Equifax a copy of the ID Theft report as well as a detailed letter outlining various accounts which are not mine and are a result of ID Theft. The credit reporting agency ( XXXX XXXX and other staff in the Executive Services ) took my information and treated my ID theft report like a normal dispute rather than treat it as ID theft and failed to block the information from my report within five days under FCRA 604b. I contacted XXXX several times over a month and she said that she will not block any information from my report and that the creditor has 45 days to respond and if they verify the accounts will remain on the report. I told her I would like to invoke 604b and she said that she will not do anything under 605b. I also reconfirmed that they had receipt of the ID Theft report and still they participated in willfull non-compliance. I also asked for the verification method used and they did not provide this, I then asked for the exact proof such as an application or any other hard documentation and Equifax did not have a hard copy of anything to provide to verify the validity of these accounts. Ithen asked for physical proof and not just a computer automated response and again Equifax could not provide this. Equifax seems to be going on a computer generated system or the word of a person rather than hard physical proof such as loan documents or any other hard proof and thus they are incorrectly reporting negative infomration. The lawyer I consulted with said that Equifax must provide proof at this time and that proof must be documents and not automated documents. The documents needs to show signatures of the consumer to show that any reporting is that of the consumer. Further more, there are several accounts that I have been battling over in this Identity Theft for seven years and yet these accounts are still on my report, this is clearly a violation of the 7 year rule. I infomred them that I never received any result to date, however, the items that are not mine and were part of the ID Theft report and claim to ID theft are as follows : XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX and XXXX XXXX. Each time I contact Equifax, there are a million and one excuses. There are even several inquiries which are not mine and I identified them to Equifax, however, there excuse is whether or not they were authorized that they are still going to remain on my report. Equifax clearly violated the FCRA and I was infomred by an attorney to make this complaint to add to the three years of documentation I have against Equifax for willfull non-compliance. This is the last straw before legal action is taken and this according to the attorney will serve as proof that I officially complained through a Government agency. Thank You.
Consumer complaint received 2015-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: U.S. Collections West, Inc. (CA)

I recieved a call from an associate who identified himself only as XXXX on XXXX/XXXX/XX/XX/XXXX, who did not state what collection company he was calling from. XXXX told me there is an unsettled debt for $ 3000.00+ for an apartment eviction from XX/XX/XXXX. I requested documentation to be sent, and was told no because it would cost him {$2.00} or {$3.00} to send and that I dont need proof of something I owe. After telling XXXX I did not have availale funds and that I felt the call may have been fraudulent the call was ended. On that following Friday, XXXX called back and while still not advising who he is employed by, he informed me he sent my account through for garnishments because I would not make a payment. After several calls, I was then transferred to work with an XXXX named XXXX. XXXX told me he would stop the garnishment order if I agreed to pay him a minimum of 12 % of my take home pay. He would not negotiate, and did not ask what my monthly expenses are. I was sent an agreement form to return to XXXX by XXXX/XXXX/XX/XX/XXXX with a monthly payment of {$250.00}, and if i dont, he threated a lawsuit against me and garnishments. I found the company to be US Collections West in XXXX, Az and find the collection tactics to be forceful, misleading, and predatory. I have been mistreated and disrespected by this agency, and being forced to pay an amount which will cause a hardship.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (PA)

I switched cell phone providers in XXXX XXXX ; left XXXX after being with them for more than 10 years and moved to XXXX XXXX XXXX. In XXXX XXXX my online XXXX account was suspended. I received a bill in the mail from XXXX in XXXX XXXX providing the amount owed. I made a payment via check and mailed it to XXXX in XXXX XXXX. I got a letter from XXXX stating that I had access to my online XXXX account again. I went online to make another payment this week. The very next day I got a phone call from a debt collection agency. The caller stated that XXXX gave my account to debt collection agency. I am outraged. I am currently paying this bill, I have not failed to pay, I have paid online. XXXX gave no notice that the account would be going to debt collection. This is complete bullying by XXXX and they need to be held accountable.
Consumer complaint received 2015-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (LA)

For three weeks I have received daily calls from XXXX, XXXX XXXX at Mercantile Adjustment Bureau asking for XXXX XXXX regarding debt collection, including calls on Sunday morning. I am not XXXX XXXX and do not know XXXX. 

Last week I made XXXX call daily to this agency explaining that the number in their database was wrong and that XXXX XXXX was not at this number. I was told that my number would be removed from their database, but I continue to receive calls, again even during church on Sunday morning.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Linebarger Goggan Blair & Sampson LLP (TX)

Received a letter thru regular post office mail dated XXXX/XXXX/16 addressed to the wrong name and about a license plate I 've never owned ; letter states " If this matter is not resolved immediately you will be commanded to appear at an administrative hearing where a determination may be made that you owe substantial additional fees and fines, registration of your vehicle being refused, and the use of your vehicle being prevented until the amounts due are paid. '' Letter states the matter has been referred to this firm ( Linebarger Goggan Blair & Sampson , LLP ; XXXX TX ) by XXXX XXXX XXXX XXXX XXXX which is continuing to record XXXX XXXX XXXX violations by a vehicle with this tag & state records say I am the vehicle owner. They do not explain how they arrived at the large amounts due for the tolls listed. 
I 've never received any toll notice from XXXX. I have driven through there infrequently and have gone online and paid minimal tolls that I have incurred, AFTER the dates of these tolls. There is an error in my name on the letter. This is not and has never been a license plate I own. The tolls are from 9 & 10 YEARS ago. 
Contacting the company resulted in the response that the file would be reviewed and a letter sent. 
I am concerned about getting a future notice to appear in court ( where I do n't live ) and improper research to determine this is not mine. Proper research would have quickly ruled out that it does n't belong here. Others online state that this company has been ruthless harassing other people, and that one tactic is to demand a court appearance and to receive a favorable decision when people do n't show up.
Consumer complaint received 2016-01-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

I mailed TILA Rescission Letters on XXXX XXXX, 2015 well after the XXXX unanimous XXXX decision. Now, more than six months later, I 've received absolutely no indication the companies are attempting to comply. The only possible reason the companies could assert is that 3 years passed after closing and my TILA Rescission Letters were sent after that date. The TILA law stipulates that remedy is available after the " consummation '' of the loan transaction. I submit that my loan transaction was " table funded '' which is in violation of " Regulation Z, '' predatory per se, and void ( not voidable ) from the beginning at the closing table. Simply signing disputed documents does not constitute a " consumated TILA transaction. Additionally, the interested parties have far exceded the statuatory period to lodge a court case to contest the validity of the certified delivery TILA Rescission Letters that were delivered and signed for in due course. 

This complaint constitutes my demand for TILA compliance. 

I mailed TILA Letters to XXXX Investment and Loan ; XXXX XXXX XXXX. Trustee and Successor in Interest to XXXX Investment and Loan ; and Deutche Bank National Trust Company, Successor in Interest to XXXX Investment and Loan. 

These latter XXXX parties were notified Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX. 


My loan number associated with the original XXXX transaction is # XXXX. 

The loan number associated with XXXX XXXX is # XXXX. 

The loan number associated with Deutche Bank is # XXXX. 


The property address used by all these parties is XXXX XXXX XXXX, XXXX GA, XXXX. 

I 've received proof of delivery from all but XXXX ( which was returned as " Undeliverable -- Forwarding Address unknown. 

Please register this complaint against all " Lenders and Assignees '' and require proof from each they are in strict compliance with TILA and also proof they are not entities involved in a TILA prohibited " Table-funded loan. '' It 's my desire to affirm my clear title to my property and for all parties who can not prove they are holders of the original note received " In due course '' to legally indemnify my ownership and absolve me of all other claims.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-11-10
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Solutions To Portfolios, LLC (FL)

I received a call from a company named STP Group for collection on a debt. I do owe the debt but was not originally with the group. I repeatedly asked the agent XXXX XXXX to send me proof of the debt and I would pay. I told her without written proof of the debt I will not pay. She said gotcha and will further process it. Obviously not following any collections rules as I repeatedly asked for proof of the debt via a letter.
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

I had lost my XXXX rewards card and there was fraudulent activity. I made multiple calls to chase and each agent : XXXX XXXX, XXXX XXXX, XXXX, and supervisor XXXX XXXX refused to shut down and reissue card. The card is still open to make fraudulent purchases.
Consumer complaint received 2015-11-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

In XX/XX/XXXX, we refinanced our home with XXXX XXXX, they were closed, then we were transferred to GMAC, closed again by the feds, stuck with a very badbad mortgage, un-notarized, unsigned docs. Closing person came to my home not knowing nothing about the XXXX acct we were given, then we were sent astatement saying we were denied the loan because of my husband 's no credit. 
the APR was different on several docs, my name was not on the promissorynote, took my name completely off but was on the mortgage, split the XXXX. Wewere paying for insurance on the mortgage through monthly payments. We received the insurance policy through the mail. In XX/XX/XXXX, my husband died, the insurance company refused to pay the house off. Ocwen steps in and files foreclosure on my homewith false docs because I refuse to pay for what should have been paid offthrough the ins co. Ocwen does not own my property, how can they foreclosewith false docs? XXXX Superior Court I have sent letters to the judge, motions, proof of my complaints with this company, I have appeared in courton numerous times, the court or judges do not respond to the motions. XXXX Counties ' court system so corrupt to violate my rights as a citizen andconsumer? How can fraudulent papers by Ocwen get them a court date orSheriff Sale? What is going on?
Consumer complaint received 2015-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NC)

Caliber Home loan is delaying payment processing time online to collect late fees or processing fees over the phone. The company grants you a 15 days grace period to pay your mortgage but I logged online to their website at XXXX EST on Friday morning, XXXX/XXXX/2015 and it states that the my check payment will not post today but rather Tuesday, XXXX XXXX which will in turn cause a late fee. I have processed several payments online for loans, like credit cards and car payments and the check payment is posted the same day and will be pulled out 5 days later on average. I do not understand if I make a payment on Friday Morning why would it take 3 business days to be posted to my account. Friday is a business day and what happen to Monday. The company selected Tuesday because a {$34.00} late fee would apply to your account. Late fees are " Extra Income '' for the company and I am sure that this is where the company 's bonus is coming from. To avoid a late fee charge, I called to make a payment over the phone which is a {$15.00} fee. I used the same checking that I was going to use online so why is n't there a delay over the phone? The company is not working for the best interest of their customers or creating a win-win for their customers but rather working in the best interest of their shareholders. I do understand that this is a company that operates off of capital but I do think that they should be fair and ethical. They are working the system and it 's unfair and needs to be stopped or the company needs to be fined!!! I would like my {$15.00} credited back but also for Caliber Home loan to change their payment posting delay online because I know that they could have posted that payment on Monday instead of Tuesday.