davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BSI Financial Holdings, Inc. (GA)

I submitted proof of insurance XXXX XXXX, XXXX  and at the time there was no forced insurance and mortgage payment did not change. The proof of insurance was received successfully. There was a payment made to insurance company and once the proof of insurance was received the payment was reimburse to BSI XX/XX/XXXX. I submitted proof of insurances and BSI received the money back from the insurance company but BSI decided to place forced insurance in XXXX. I received multiple phone calls through out XXXX and XXXX regarding the balance. I explained to them that I did not have escrow account and that I submitted proof of insurance which was successfully received by the company. The agents that I spoke to gave me misinformation and were not aware of what was going on with the account. I have requested for the transcript to be reviewed and I emailed a letter requesting an investigation but I have yet to hear from the company. The emailed was sent XX/XX/XXXX. I asked one of the agents if it was being reported to the credit bureau the beginning of this year and the answer was no which was false. The last conversation ended with the agent telling me that there will be an escrow adjustment and that I will receive a check but I would have to forward that check to BSI. I found out about the late payments when I was applying for a car loan. The previous car that I bought XXXX years ago I had 5 % interest rate and this time was 13 % interest rate because of BSI. Almost all the lenders declined the loan application.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MO)

In XXXX of XXXX an account that was in debt was sold to Mercantile Adjustment Bureau. In the same month the debt was sent to collections, without any notification received by me. There was no telephone contact, or mail attempts regarding my right to dispute. The account once more entered collections in the month of XXXX, XXXX. There was also no attempt to contact me by mail or telephone. 

In XXXX of XXXX, I was contacted by a collector from this company, stating I was responsible to pay {$2000.00} dollars. Following this phone call I was scared, because I was unsure of what to do. I believe I was pressured in to settling the debt, even though I was attempting to dispute the original ownership of it. 

Following the telephone call, I began to do research and it was in fact an actual debt collection agency. I immediately paid it off out of fear and reprisal. Once the debt payment was received the business had X amount of days to report the payment to all major Credit Bureaus to include, XXXX, XXXX and XXXX. 
After an extended period of time, no contact or notification was received regarding payment and debt settlement.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

I noticed on my credit report that the bureau XXXX is reporting that Ive been late towards my Macy 's credit card numerous times. XX/XX/XXXX, I spoke to a representative in the Macy 's credit department to correct the information stated and it was confirmed to me that there has only been XXXX late payment back in XX/XX/XXXX. I am disputing that my credit report should update the proper information regarding late payments made so the courtesy to increase my credit scores can be provided
Consumer complaint received 2024-10-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

Open date on report XXXX by SEQUIUM ASSET SOLUTIONS INC for XXXX XXXX in the amount {$1500.00}. I have never open an account with XXXX XXXX or any company related to this same company.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Im asking for your help with the incorrect account that is being shown on my credit report. This issue has been damaging to my reputation as a customer, and I need your help. I would like these accounts removed because they are inaccurately reported and have a negative effect
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

I was frauded against and when I filed a claim at the CHASE bank after telling them to lock my account while it was happening was denied claims and they left me with {$2500.00} debt and interest your claims against them : XXXX regarding this in anyway? can you help me recover from hardships of error injury and health concern as well?
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

After spending almost a year in an attempt to request short sale of my only rental property from WF Bank, I gave up and requested a Deed In Lieu of Foreclosure. WF finally approved the DIL after 8 frustrating months. In their approval paperwork, they stated that the property needed to be vacated by XXXX XXXX, 2015. I received this paperwork on XXXX XXXX, 2015. Since this is rental property, I am required under law to give my tenants 30 days to vacate. This is compounded by the fact that my tenants are XXXX and XXXX. XXXX XXXX was a XXXX, so I could not serve my tenants with a vacate notice until the following XXXX, XXXX XXXX, as I live out of state. I served my tenants with a notice to vacate by XXXX XXXX, and advised WF Bank as well as their law firm of the lawful date change. Today, XXXX XXXX, I was advised by WF via telephone that my DIL dispo was changed from approved to denied, because of the vacate date change. They expect me to break the law and force XXXX XXXX people into the street? I am not callous and I wo n't break the law. I do n't understand WF 's tactics.
Consumer complaint received 2024-10-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

This law firm Kimball Tirey St John LLP whom I have never heard of or worked with is in complete violation of FDCA and knowing intent to breach Fair Housing laws on behalf of their customer. They suddenly contacted me and began harassing me with letters and phone calls beginng XX/XX/XXXX. Interestingly enough during the time frame that they were sending the letters to me they just went ahead and illegally posted a false re-aged debt to my credit report which has the month XXXX XXXX ' on it ... Their letters even acknowledge that the 'false debt ' would be past the statue of limitations, but they went ahead and fraudulently re-aged the false debt for XX/XX/XXXX posting {$5200.00} ' to my credit report. 

I paid my rent during my tenancy which began in XXXX and ended in XXXX and they are attempting to receive payments for rent already paid which is appalling. For background, after much discussion and the inability of the apartment complex to provide alternative safe housing accommodations for me I terminated my tenancy early due to unsafe living conditions resulting from the incident with the Sheriff 's department and the neighbor. Please note per fair housing laws Requiring the payment of any fee, the landlord may be committing housing discrimination and therefore may open themselves up to liability under the Fair Housing Act.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Our vehicle was a total loss in an accident. This happened during a Chapter XXXX Bankruptcy in through which the loan was paid off 100 % to Bank Of America per their claim in the bankruptcy court. However, B of A will not release the title to XXXX XXXX because they are saying there 's still {$320.00} owed for something. They do n't know for sure if it 's even owed and ca n't tell me what it 's for. But they are holding us up from replacing our totaled vehicle even though there is a Court Order from the Federal Bankruptcy court ordering XXXX XXXX to give us the proceeds from the settlement so we can replace the car.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (FL)

Last year I was referred to Care Credit and apply for a credit care to be able to pay for my sons dentist bill.No one advised me of the high fees that were actually tied to the loan and I never heard anything from care credit so I really was not sure what more I had to do besides received the credit card and use it to pay a Dr bill. I never actually received any kind of credit card agreements and pretty much relied on the dentist to advise me what steps to take once the service was given and they stated to pay the bill once i received teh statements.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (WV)

I received a letter in the mail today, XXXX XXXX, XXXX, from a company called XXXX. They are saying I owe a company by the name of Washington Mutual Bank {$6300.00}. I looked up Washington Mutual and it say they went out of business in XXXX and I never heard of them. This is not my debt, and I don't know how they got my information... ..name and address and are attaching this debt to me. They are giving me 3 options to pay it back, however the debt is not mine. It arrived today and says I would have 45 days from XX/XX/XXXX to take advantage of their payment options. 

I am not contacting them or answering any of their questions on the phone because I know they will want my personal information which I am not providing to them.
Consumer complaint received 2015-09-15
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CO)

I submitted a home loan modification for the XXXX time to Chase Bank. I am XXXX military. I currently reside in the home now. I didnt somehow qualifiy for a the loan modification, and I provided all the documentation for the homeloan modification. I can afford the mortage payments but at a reduced rate. Since Chase Bank has decided to dissapprove my loan modification I will file bankruptcy, and in addition I will file a law suit against them as well for damages. I provided documentation in my loan modification stating my hardship. I asked for the audit report from Chase Bank and the orginal loan documents for the property stated at XXXX XXXX XXXX XXXX XXXX, Co XXXX. I have yet to get any paperwork for my house. The Chase bank wont except my checks even though the property is under my control. I have been foreclosed on once as XXXX military and I have had been force out recently by the XXXX and court appointed reciever. Chase bank will not allow me to use the equity in the house to catch up on my current expenses so I can have a lower payment as well. I want the occ bank regulators and the federal government to look into the XXXX program for Chase Bank. I will no longer talk to Chase Bank and at this time I will pursue bankruptcy proceedings and file a law suit against Chase Bank. Until I recieve an audit report from Chase in reguards to the home loan modifcation I dont want to talk to anyone. Lets just get media attention for this and in addition I will file a congressional hearing with the department of justice for violations of the SCRA because I am not suppossed to be forced out of my home for any reason. So since I made a complaint to Chase bank my home loan modification was denied and the bank does not want to provide me the documentation I previously asked so therefore Chase Bank has no proof they own my home. So I am requesting that the federal government and XXXX look into my request in a timely manner.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian for violating several provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in credit reports. 

Experian has repeatedly listed incorrect names and addresses on my credit report. I have disputed these inaccuracies multiple times, as outlined under 15 U.S. Code 1681i ( a ), which requires a consumer reporting agency to conduct a timely reinvestigation of disputed information. Despite these requests, Experian has failed to take any corrective action, continuing to report false information. This deliberate disregard for their obligations under the FCRA places my credit score and financial standing at risk. 

I request the permanent deletion of these inaccuracies from my credit report as required under the FCRA when information is found to be inaccurate or unverifiable after a reinvestigation. Furthermore, I expect compliance with 15 U.S. Code 1681c, which mandates the timely removal of outdated or incorrect information. If Experian continues to violate these provisions, I believe they should face penalties, including possible fines, for ongoing noncompliance under 15 U.S. Code 1681n, which holds consumer reporting agencies civilly liable for willful violations of the FCRA. 

Recent case law, such as XXXX v. XXXX XXXX, demonstrates that failure to comply with FCRA regulations can lead to substantial legal and financial consequences for credit reporting agencies. In that case, XXXX was ordered to pay significant damages for similar misconduct involving inaccurate reporting and the failure to correct errors after being notified. 

I urge the CFPB to take immediate action to ensure that Experian complies with its legal obligations under the FCRA, including the permanent deletion of these inaccuracies from my report and enforcement of penalties if Experian continues to violate consumer rights. 

Thank you for your attention to this matter, and please feel free to contact me if you need further details or documentation.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am placing this complaint for the mishandling of my repeatedly requests for a modification. In XXXX I was granted this {$200000.00} mortgage originally with XXXX XXXX, in XXXX it was sold to Countrywide and in XXXX sold to Bank of America. In XXXX my husband had XXXX surgery and had to stop working and I had to reduce my hours to become his caregiver at which time we defaulted. Up until this time we had made every payment on time, even paid {$110.00} extra each month towards the prinicipal. In XXXX financially our situation improved and I started applying with Bank of America for a modification at this point we were only 12 months behind. Each time I called for a status I was given the run around, excuses of lost applications, missing docucments, outdated financials, assigned new representatives etc. When I finally received a response in XXXX it was a denial for not qualifying for any programs. I immediately filed an appeal and the application process and stall tactics began again, all the while the arrears kept getting higher! In XXXX XXXX I received a letter saying my mortgage was sold to XXXX and I found myself having to begin the modification process all over again! In XXXX XXXX XXXX denied my modification and foreclosure notice came shortly after. This time I consulted with a not for profit agency who helped me fight. Finally I was approved but being that non of the arrears were forgiven and no principal reduction the new mortgage amount would be {$310000.00} on a house that is only worth {$220000.00} and the monthly payment was going to be 52 % of my net salary! As much as I want to save my home I could n't accept this offer. Financially I am able to pay this mortgage, I have no outstanding debt, my credit score is XXXX, I pay all my bills on time, all I need is an affordable modification! What I do n't understand is why Bank of America was allowed to get away with this. My misfortune happened during the banking industry crisis they got bailed out by the federal government why ca n't the government help the common man keep their home! I built this house in XXXX when I was XXXX years old I raised my XXXX children, this is not a house this is our HOME! All I need is someone to help me fight against this injustice, reduce the arrears that were not my fault and let me keep my home!
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My complaint : TransUnion crediting reporting agency refuses to allow me to access my free annual credit report online. 
Background : In XXXX I enlisted the assistance of the Office of the Missouri Attorney General to gain online access to my TransUnion annual credit report. On XXXX XXXX, XXXX, I was able to access the report online. In XXXX I skipped TransUnion. On XXXX XXXX, XXXX I attempted to access my free annual credit report from TransUnion online. As soon as I entered my identifying information, TransUnion 's system displayed a message refusing online access. Several weeks later, I received an unsolicited paper copy of the report, which is unacceptable : I want online access. 
Here is how the CFPB can help me:1. Please find out why TransUnion refuses to allow me online access to my free annual credit report ; and let me know the answer. 
2. Require TransUnion to allow me to have online access to my report each year. 
Thank you.