davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Focus Holding Company (CA)

An item which originated in XXXX of XXXX from XXXX XXXX XXXX appeared on my XXXX and XXXX reports in XXXX of XXXX. I contacted XXXX XXXX and the only information they have on this is index data which indicates the item was sent to collections in XXXX. It is now being reported with an " Open Date '' of XXXX XXXX, XXXX and XXXX XXXX, XXXX, respectively. It has obviously been re-aged. I was never notified of this collection attempt via U.S. Mail or telephone. I will send out letters to the agency next week after XXXX with a demand for supporting documentation.
Consumer complaint received 2015-11-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

This company reported to my XXXX credit reports an account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account on or about XX/XX/XXXX. On XXXX XXXX and XX/XX/XXXX, the same collection company started sending me demand letters AGAiN. Last week I realized they illegally and purposely re-reported to the credit reporting agencies, resulting in my score dropping XXXX points. This also resulted in a home loan application being denied. I disputed the account with XXXX and they deleted it AGAIN, the next day, XX/XX/XXXX. I then received a XXXX demand letter from them. Although they refer to themselves as Retrieval Masters Creditors Bureau , Inc, they have the same address, account, amount, etc. As the original collection company that I originally disputed and was subsequently deleted by the XXXX credit reporting agencies. 

I have all my records and proof of their shady dealings And putting them on notice that I am retaining an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury from their deliberate actions. Not to mention, filing a complaint with the state General Attorneys Office for illegal and unfair practices.
Consumer complaint received 2024-08-15
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-07-16
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Windham Professionals, Inc. (NJ)

The student loan accounts are reporting after they were removed from my credit report. The debt was sold and re-reported! I have sent the collection company all documents as proof, the debt was not mine. They mentioned there was no contract on file and that it would be removed. It has not!
Consumer complaint received 2015-12-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Data Corporation (NJ)

We are repeatedly getting collection calls from TRS Recovery Services. The one time that we have called back and were actually able to get a person, they will not tell us what the nature of the debt is, who they are trying to collect the debt from, or give any other information that would be helpful in resolving this issue. When we receive calls from this company, normally we can not get a response from anyone and eventually it disconnects.
Consumer complaint received 2015-11-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

I Have Protection alerts and services with wells fargo, they let another person use my account, and committed fraud, which is a business account, the person who done this crime is an employee.. they let this person forge checks and credit cards about 10 different times, didnt even call me or anything, why did they let someone get into my account with out permission, or a phone call, or an email alert
Consumer complaint received 2016-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (FL)

I joined the Crunch Gym in XXXX Flo5rida. After 1 month I decided to leave. I spoke with several managers there and they told me I could not leave until after 90 days. I told them I was not told this orally nor signed any contract to that effect. In fact there is No written contract. Now I am receiving harassing phone calls, text messages to pay for services I do not owe any money to this gym and have received a collection letter from XXXX XXXX and " ABC Financial Services. '' I never signed any contract nor agreed to any terms of use. They are constituting fraud and are harassing me repeatedly. The last text I received from them was on XXXX/XXXX/2016.
Consumer complaint received 2016-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OH)

I am getting numerous calls a day from XXXX, XXXX, and XXXX. They never leave a message or reply when I pick up the line. I found out the company, CBE Group is a collection agency because I did an internet search of the XXXX numbers above. I have never received written communication from this agency and I do not know who they are searching for as they do not leave a message. I am complaining because they are calling multiple times a day, from different numbers. It is harassment and a violation of the Fair Credit and Collections Act to not identify themselves as a debt collector.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I sent out numerous of letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation original contracts used to validate the dispute.

5. Also the procedures your company have in place to ensure each account is 100 % correct which i doubt..

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action. 
Sincerely,
Consumer complaint received 2016-01-21
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with bank of america, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, bank of america cashed the checks
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, my name is XXXX XXXX and I am contacting you because I just found out that your government agency may be able to help me in regards to a series of complaints that I have against Bank of America : 1 ) My original loan with Bank of America was created on XXXX XXXX, XXXX for {$210000.00}, at a 7.25 %. The loan for the mortgage was for only {$180000.00}, but the principal shows as {$210000.00}. There is is a difference of {$35000.00} between the loan and the principal, that includes varios, murky settlement charges such as {$2100.00} to XXXX Mortgage for an " origination fee. '' I need to know why I owe {$35000.00} more than I am supposed to. 
2 ) I have been paying a monthly PMI of {$140.00} since XXXX XXXX, XXXX until XXXX XXXX ; which amounts to {$12000.00} that I did not need to pay since I had my condo for 12 years prior this loan, and I was not a " risk '' borrower. I sent several letters, emails, made phone calls and I even complained to the XXXX in regards to removing this PMI, to no avail. Bank of America always came back to me with several excuses of why the PMI could not be dropped. 
3 ) I was able to get a modification and lowered the interest rate to {$5.00}, but the PMIs continued nevertheless, as well as my requests for the PMI to be dropped ; again, to no avail. 
4 ) My mother had a XXXX and became XXXX, which forced me to quit my full time and get a part time job, so that I can take care of her. I requested another modification and it was accepted, but Bank of America immediately removed itself as the bank servicing the debt, and put me in the hands of XXXX XXXX Loans. 
5 ) What I owe now ( the investors, I assume ) is {$190.00} ( this is what shows my latest statement ) which means that in 9 ( nine ) years of paying MY MORTGAGE, I have only paid {$19000.00} of the principal!! This is outrageous!! This is thievery!! 
This happened right when the mortgage collapse started, but is not my fault that the banking/finances systems is so fraudulent that it will allow such atrocities against poor people like me. PLEASE HELP ME!!!!!
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (CA)

First I do not owe this debt. 
Second I received a letter stating that AFNI would call the debt paid in full if I paid XXXX % of the debt Third, I received a letter that the XXXX % was received but now I still owe the other XXXX % this is a clear violation of the Fair Debt Collection Practices Act
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

BOA likes to charge a fee when they feel like it. I took {$20.00} out of bank as my direct deposit was going through. Was charged a {$34.00} nsf fee when in the past have never had this issue. Also had previously spoke to a manager who told me if a direct deposit was pending I would be fine.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 2016-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I went though a modification but the bank did't bring down the amount down enough we thought it would be a lot lower than it is originally it was at XXXX then went down to XXXX that really is not enough need to drop a lot more like XXXX the bank is not very easy to work with thanks
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION (DE)

I have applied for a PenFed mortgage the beginning of XXXX 2015. I have sent all information requested, XXXX times. Had a settlement date and time ( was about there ) my attorney called saying it was cancelled, they did not approve me. Found out they wanted same info again that I sent. I have been patient, but now I was threatened they would terminate my loan application if I do not respond within the next business day with info I gave them and my CPA, he said the papers were sent before. Going on 6 months, they will not talk by phone, only e-mail. Claiming they lost my PERSONAL tax papers!! I feel they are drawing this process out to get me to stop the process and give me a hefty bill.
Consumer complaint received 2015-12-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2015 a representative of Citigroup , Inc. advised me that I would receive certain card benefits as part of signing up for a new Citi XXXX. I relied upon these statements made on a recorded line to sign up for the new credit card and paid a {$450.00} fee as required. I was later informed that the benefit would not be provided. The matter was escalated to multiple groups at Citi without a resolution. The escalation path is clearly designed to fatigue the customer in the hope that they give up on their pursuit of their rights. 
It is clear to me that Citi representatives have engaged in a pattern and practice of deceptive behavior during this process.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had in 2013 a secured credit card from Bank of America. I had to put XXXX to open it. Two months after I opened the credit card account I moved but I called them and told the new address, they never somehow put that information on their system. As I had never used so much of my credit card and had everything else sent to my new address, I did n't notice that their bill never came to my new address. Months later I received a call from a collection company saying that I had a debit with Bank of America of XXXX and something. I paid but they put a negative report in my credit even know that they did n't send me any bill in my new address. I do n't think it is fair for me to pay for their disorganized data base. I called them about it but the negative report still there making my score down. 
I hope you can help me. 
Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2015-11-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

During the financial crisis, my loan was going into default in 2010, Bank of America did not apply my past payments to my home loan. I was told to make 12 months of payment, in order to be considered, I made the payments, but was n't offer a modification nor was the monies I paid applied to the loan. Due to Bank of America employees leaving the company, no one tracking my account or assisting me for 2 years, the account continued in default. Earlier this year, I was offered another opportunity to make trail payments for consideration of a modification, which I did and made those payments on time. Bank of America did not apply my past payments nor trail payments to my loan. The monies HUD advanced to Bank of America to pay for past due amounts was not applied to the past due amounts, but Bank of America wrote up my loan, and then reduced it by the monies advanced by HUD, thereby leaving my outstanding loan amount unchanced. Bank of America is also claiming I owe them {$15.00} for the processing of the modification, which is showing up in my statements. The loan should have been decreased by monies I and HUD paid towards the balance, but they did not do this, nor inform me that they would be applying the monies they way they did. In addition, Bank of America has not informed the credit bureau that the loan is no longer past due, but current and in good standing.
Consumer complaint received 2016-02-13
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (CA)

Citi bank issued a promotional VISA card to me and I have about {$50.00} left on the card. Citi is saying that the card has expired after 6 months and it has no contact information on the card so I could inquire about the balance. After doing an internet search to try and contact them ( since information was not provided on the card ), I found that their website states that, " The Citi Prepaid Card expires after 12 months from the issue date. '' The card was issued to me on XXXX/XXXX/XXXX, so even according to their website, I should be able to finish using my card. 

I feel that this is in violation of the Credit Card Act of XX/XX/XXXX, under Title IV on Gift Cards, where the law states that : " the expiration date is not earlier than 5 years after the date on which the gift certificate was issued, or the date on which card funds were last loaded to a store gift card or general-use prepaid card. '' I feel that they are in further violation of this Act by not providing contact information on the back of the card in order to obtain further information and by not posting accurate information about this account online for public viewing. I attempted to contact them ( on XXXX/XXXX/XXXX about XXXX AM PST ) to rectify the situation and they refused any type of satisfaction.
Consumer complaint received 2024-08-27
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. (DC)

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 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, states a consumer reporting agency can not furnish an 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 conviction and crimes which antedates the report by 7 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
Consumer complaint received 2015-07-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

My loan was sold to PennyMac, XXXX XXXX XXXX , XXXX, CA XXXX in XXXX/XXXX/2015 at this time they started calling me saying I was behind and owed XXXX. I have had XXXX phone call conversations with them over the last 3 months trying to resolve this. I have recently found out that the was charging me XXXX for flood insurance when I already had flood policy in place for 2yrs in the amount of XXXXXXXXyr, also they had my home owners at XXXX when it is XXXXXXXXyr. My taxes are XXXXXXXXyr they have me at XXXXXXXXyr. They have reported to credit bureau I am behind on payments and late? I have my canceled check stubs showing that I have made all my payments and not been late. They have my escrow account screwed up and report things to the credit bureau that are false and untrue. I would like a breakdown of my loan where the money is going, principal, escrow amounts, fees ect.