davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

I received a call stating that I was being served a court summons and asking if I was home. When I asked what the summons was related to, I was given a phone number and case report to get more information. 

When I called the number given to me, I was told by a man calling himself XXXX XXXX, that her worked for XXXX XXXX XXXX, a law firm in XXXX and that I was being named a defendant in a case by Citibank pursuant to an unpaid balance on a card fromXX/XX/2016. ( This card was paid and closed as shown in my credit report ) When I responded that I had not received any communication from Citibank regarding such a debt, I was told it as because it had already moved past the collections process. That the total sum now due would be over XXXX ( the original stated amount was XXXX ) I was told that the serving company messed up and werent supposed to give me a number to call and that since I had called I could possibly be eligible for remediation to avoid civil court costs. If I paid online that day through a XXXX statement, I would only be required to pay XXXX. When I indicated that I would like more time to investigate the veracity of this suit/ claim there was no effort to coerce me. 

I called the XXXX  Attorney General 's Office after being unable to speak to anyone at Citibank to verify the collection. They referred me to the Secretary of State 's office to see if this company had a Surety Bond which allowed them to collect debts in the state of XXXX. When I called, I was told this company did not have such a bond and that I was likely the victim of a Scam attempt.
Consumer complaint received 2023-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I submitted a complaint, 1st to Wells Fargo and second to CFPB, RECEIVED totally different responses from the direct WF complaint and the complaint thru CFPB. I Do believe there's fraud on the account. Wells Fargo accepted to do the modification and after two trial pmts backed out of the modification. And placed the house back on foreclosure. I filed XXXX XXXX to keep the house but now looking at the recorders office records. It showes the house was sold and recorded sold prior to the trial of modification. It showed sold to an address not a person XXXX XXXX XXXX. 3 yrs later the escrow acct is still in my name, showing the date that I originally purchased and made 1st PMT on XX/XX/2013 and I was also able to login to Wells Fargo as I use to do. And it showed all the info of the escrow acct. It requested my SS # my birthdate and it gave me the current balance as of 4 months ago, which was 1st PMT made on XX/XX/2013 and current balance of {$120.00}, XXXX XXXX I've requested a request from WF as to the escrow info and never provided anything. When there's a foreclosure. The acct gets paid in full. But that did not happen here. My escrow acct continued on the property. 
XXXX XXXX XXXX XXXX, XXXX AZ, XXXX. Recently the house was under contract for lease to own. I called the leasing office and told the about the situation and they reversed the contract that was signed s month prior. An atty asked me to contact you again and explain because there was a lawsuit from this office to WF. Was I included in the class action against WF. Hoping to get help on this fraud case. See Next Comments
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (MI)

Dear Sir/Madam, I am writing in regards to the communication that I have been receiving from your debt collection agency. I would like to revoke all of your rights to communicate with me, as I do not wish to be contacted any further regarding this matter. 

As a consumer, I have the right to request that all communication from your agency cease immediately. This includes phone calls, emails, and any other form of communication. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you no longer attempt to contact me in any way. 

Furthermore, I would like to remind you that any attempts to contact me after receiving this letter would be in violation of the FDCPA. Any further communication from your agency will be considered harassment and I reserve the right to take legal action against your agency. 

In addition, I demand that you immediately cease any and all collection activities against me. I do not owe any debt to your agency and any attempts to collect such debt will be considered a violation of the FDCPA. I have not received any information to dispute this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc. (GA)

Consumer Portfolio Account XXXX Consumer Porfolio account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation Consumer Portfolio Constantly call my home all day about this account Account was on credit report to be remove XXXX.credit bureau changed the removal date 2times..Please delete account from my credit report
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

I am attaching a debit statement from my bank demonstrating the payment history on my mortgage since XX/XX/XXXX. 

My mortgage was serviced by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. All payments were in the amount of {$1400.00}. 

In XX/XX/XXXX the service transferred from XXXX to XXXX, who continued to charge me {$1400.00} for the next seven months. However, in XX/XX/XXXX the mortgage payment XXXX {$250.00} a month to {$1600.00}. Since I was on autopay, I had not taken immediate notice of the increase. XXXX collected this increased amount for the next XXXX months before transferring the service to PHH in XX/XX/XXXX. 

The transfer to PHH is when I noticed the increase. Upon investigation, I discovered XXXX increased my home insurance by $ XXXX and my property taxes had increased by {$170.00} annually. A {$380.00} annual increase did not seem sufficient to justify a $ 254 monthly increase in my mortgage. 

I called PHH and they informed me this was due to an escrow shortage. I spoke to four different reps, but I was unable to receive an explanation as to HOW my escrow incurred such a massive shortfall, to the point where it went negative. I also called XXXX, but after XXXX minutes on the phone the rep hung up on me. Finally, I called XXXX, but they are unable to find me in their system. 

PHH has been collecting monthly payments ranging from {$1600.00} to {$1700.00} for the last XXXX months. They explain the increase is to build my escrow back up, but can not explain how it went negative in the first place.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

( MISSING ACCOUNT ) -XXXX  XXXX XXXX XXXX XXXX Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : {$53000.00} Updated Balance : {$48000.00}. ( INACCURATE STATUS ) -XXXX  XXXX XXXX XXXX opened : XX/XX/XXXX Account # XXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ), i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you update my payment status to PAID AS AGREED NEVER LATE ( XXXX ) immediately
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

On XX/XX/2023, I reached out to LVNV Funding in attempt to settle a debt and increase my credit score subsequently. I was told after settling a XXXX dollar account for XXXX, that the transaction would be reported to the Bureaus and that I'd increase my score. However, I was tricked into paying an old debt that was already closed in my account. Also, I was ensured that my points would increase once the company reports the settlement to the credit bureaus. XXXX, LVNV Funding, are frauds that tricked me out of XXXX. 

I was told that LVNV Funding requested the information to be deleted from my report in order to hide the fact that it wasn't due for a payment. Resulting in my credit score remaining the same even after paying money to settle an account. XXXX exclaimed that they only take payments and do not report to the credit Bureau. This appears to be a scam and fraudulent ways to collect money from debts already closed or canceled. I want an investigation and information on filing a civil suit.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

This complaint against Truist Bank and is related to CFPB Claim # XXXX against Truist bank, which is currently closed. The complaint resulted in Truist Bank notifying me on XX/XX/2023, that it had confirmed the identity of my cousin, XXXX XXXX XXXX 's " identity and ownership interest '' in the property at XXXX XXXX XXXX ( XXXX. XXXX ). Because XXXX has severe brain damage, I am responsible for all matters pertaining to her finances and care, so I completed the form entitling XXXX and me to receive notices and communications about the loan and to request information and submit notices of error. I have continued to pay the mortgage amount required per the contract. However, the loan payment was incorrectly increased from {$360.00} to {$740.00} because Truist is now adding in the amount to be paid for taxes and insurance. Until now, the taxes and insurance has always been paid, per the contract, by my cousin and me. I recently paid the insurance payment on XX/XX/2023 ( Att. XXXX ). When I inquired about this error, I was told I can not be provided any information about this loan until I have XXXX sign and submit a power of attorney. This is in direct conflict of the letter dated XX/XX/2023 and is illogical because Truist has all of the legal documents appointing me guardian and conservator of XXXX, who is now the sole owner of the property. I believe this is another attempt by Truist Bank to wrongfully force this property into foreclosure.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I sent in my IDENTITY THEFT report to EQUIFAX, it was delivered to them XX/XX/2023. Today XX/XX/2023, Equifax told me they couldn't process my 15 U.S. Code 1681c2 Block of information resulting from identity theft request because my iD Theft report didn't have my physical mailing address or email address.They also said because I didn't Mail, my social security card, that my request wasn't complete. It has been more than 4 business days from the date of receipt of my documents. They are giving me the full run around. to my understanding I have complied with everything the law has said. they are violating my consumer rights. this ID Theft is negatively impacting my life and preventing me from being financial stable.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Demand for the Return of Credit Cards Under the Indenture Trustee Act Dear American Express Customer Service XXXX XXXX XXXXpe this message reaches you well. I, XXXX XXXX, am writing to address a matter of utmost importance concerning my credit cards issued by American Express. 
Background : I recently extended multiple credit applications to American Express and, as a result, am currently without my cards. I hereby demand the immediate return of all my cards under the provisions of the Indenture Trustee Act. 
Rules and Regulations Violated : * Timely Return of Cards : As per the Indenture Trustee Act, there is an obligation to promptly return any cards or documents to the debtor. 
* XXXX XXXX : The Act emphasizes clear communication between the indenture trustee and the debtor, ensuring transparency in all dealings related to credit applications and card issuance. 
* XXXX of XXXX 's Rights : The Act upholds the rights of debtors, and the failure to return my cards promptly infringes upon those rights. 
Demand : I demand the immediate return of all credit cards issued to me by American Express to rectify the apparent violation of the Indenture Trustee Act. Failure to comply with this demand will prompt further action on my part to protect my rights as a debtor. 
I trust that American Express will address this matter promptly and in accordance with the applicable laws. 
I WOULD LIKE ALL CARDS BACK ON AND OPEN ENDED Thank you for your immediate attention to this matter. 
Best Regards, XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NY)

This will be the third time I try to pay my bill and log into the website or app. This will also be the third month I have this credit card. every single time I try to pay down the bill they intentionally make it as difficult as possible to do so. They create so many obstacles for payment -- should they want their website or app to work so people can make payments????? Why have I reported the issue to them numerous times, and they do nothing? How come when I submit a complaint through here, they tell me the website 's working perfectly fine when IT ISNT! This isn't so hard to investigate and verify the claims of! Their website and app never WORKS. You can only pay by calling them over the phone during business hours, and you can only view your balance by calling them directly.
Consumer complaint received 2023-12-02
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: Experian Information Solutions Inc. (TX)

I recently checked my consumer profile Theres a Hard Inquiry on EXPERIAN for Resident Verify on XXXX which is fraud and misuse of my personal information THIS IS MY SECOND REQUEST on this matter EXPERIAN is complying to my report of fraudulent this has cost me aggravation and cost me $ XXXX or they leave me know choice to move towards LITIGATION I need this removed immediately this is fraud thanks.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AR)

Case Number : XXXX Account Number ending in : XXXX Consumer Financial Protection Bureau, Case Number XXXX XXXX XXXX XXXX first let me say thank you for responding to my concerns. However, I do not feel that this matter was thoroughly reviewed and that my issues have not been properly addressed. I will explain why below : About the claim : On XX/XX/XXXX, claim number XXXX ( Reference Number XXXX ) was created to dispute the transactions totaling {$1500.00}. The claim was denied and unpaid. The Claims Assistance Center determined that the transactions were authorized or that a processing error did not occur. The provisional credits of {$500.00} and {$1000.00} were reversed from the account ending in XXXX on XX/XX/XXXX and on XX/XX/XXXX. Were you aware that when the dispute was first filed that my funds were initially reversed and returned to my account? Should the funds have been reversed at that time ( XXXX ) if the investigation was still pending? It was not until XX/XX/XXXX and XXXX of XXXX that the funds were then reversed and deducted from my account for the reasons you gave above. Can you advise as to why 3 months ( XXXX ) and then 5 months ( XXXX ) funds were deducted from my account from a dispute I filed in XXXX?
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kubota North America Corporation (TX)

Kubota credit USA is unlawfully reporting information on my report and will not remove as requested. They show late payments that per 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; are to be excluded from the report. I have asked that the late payments be removed as they are unlawful.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX and XX/XX/XXXX Letters were sent to all 3 credit reporting agencies. 
Each agency stated that they verified all accounts without providing evidence of verified account documentation. On XX/XX/XXXX I submitted a claim with CFPB and all reporting agencies stated that the information they provided were verified though i did not receive not one document of verification. 

The information regarding a XXXX XXXX XXXXXXXX account i never opened with a limit of {$700.00} should not be on any of my accounts. I closed it for the reason that i never approved it to be opened and never used the credit line. This account should be deleted. 

Somehow Bank of the west i have over 3 accounts with the same bank that is in collections with no verification that they are mine and i have no recollection of opening an account excluding one which has been paid and closed for the amount of {$170.00}. 

On XX/XX/XXXX There is a bank of the west account that is stated by the credit reporting agency of a balance of {$2800.00}, Credit Limit {$2500.00} date reported XXXX. However, on XX/XX/XXXX reporting statement says Balance {$4500.00} and amount pass due {$2600.00}. The previous amount pass due on XX/XX/XXXX stated {$930.00} with date of reportinXXXX XXXX  on each document in XXXXXXXX 

There is also a NEW Bank of the West account with {$1600.00} balance due with charge off amount of {$2800.00} on credit report XX/XX/XXXXXXXX 

Credit agency stated " verified account and information has been updated '' with no documentation of verification.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (IN)

I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 15 U.S Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more then 60 days and you are in VIOLATION of this law.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC (FL)

In or around XX/XX/2019 an apartment community ( XXXX XXXX ) allowed a tenant to use my personal information without my consent. I was not present at anytime the transaction was initiated. My signature does the match the signature used. My driver license was used without my consent. My license was texted or emailed to the community. However the transaction was performed I had no knowledge of it. I went to the property to dispute the activity and nothing was done about it. I did however notice the company is updating the false information as if it was a new credit entry. This activity is damaging to my credit report resulting in denials for credit. Additionally, Corelogic has tacked on {$1000.00} to go with this account. This is almost {$10000.00} worth of damages to my name and credit file.