davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TX)

I had a mortgage that was refinanced in XX/XX/XXXX and my name was removed due to the other joint owner XXXX XXXX financed it by herself yet XXXX is reporting it being closed in XX/XX/XXXX instead of XX/XX/XXXX and reflecting on my credit till XX/XX/XXXX. I need this matter to be corrected. 
WELLS FARGO HOME MORTGAGE Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Paid, Closed/Never late. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Mortgage Terms : NA Monthly Payment : {$0.00} Responsibility : Joint with XXXX XXXX Credit Limit/Original Amount : {$230000.00} High Balance : NA Recent Balance : NA Recent Payment : NA Payment History : XX/XX/XXXX CLS Your Statement : Completed investigation of FCRA dispute - consumer disagrees.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of XXXX  trafficking of Debt Bondage. I have reached out to Transunion on XX/XX/year> to resolve this issue and have not had any results. I have followed up online and by phone and I still have no results.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (VA)

I took out an upgrade credit line debt on XXXX XXXX. The account was transferred/closed and written off as {$3700.00} per my agreement with Upgrade after making inconsistent payments. This was due to unexpected situations such as job loss, birth of child, car accident, and increase of expenses due to inflation which has caused financial hardships. I live in a XXXX income household and have a dependent. I told Upgrade of my financial hardships and tried to make a payment plan. However, that was unsuccessful due to Upgrade requesting that I mail payments to a XXXX XXXX without any written documentation provided. Upgrade ended up selling my debt to XXXX XXXX XXXX. XXXX XXXX XXXX tried to collect my debt from XXXX XXXX XXXX XXXX. I felt threatened into making a payment plan and was told that if I do not make a payment it can go into pre litigation. Also, they made statements such as I am not trying to make a payment when I was trying to but have been experiencing financial hardships and never received documentation from them. I spoke with XXXX XXXX who is with XXXX XXXX XXXX XXXX on XX/XX/XXXX to come up with a payment plan that I could afford as my money has been very tight these past years. We agreed over the phone that I would make XXXX  monthly payments of {$55.00} and then we will rediscuss a new payment plan afterwards. XXXX XXXX sent me the form however it was incorrect as the first payment due was {$200.00} by the end of XX/XX/XXXX. I responded via email that we agreed to {$55.00} and asked for an online payment option. XXXX XXXX provided me with the website. However, the reference number did not work when I tried to logon. I sent an email on XX/XX/XXXX requesting paperwork from XXXX to ensure it is the correct amount. On XX/XX/XXXX I attempted to make a payment and noticed that the reference number is incorrect and requested paperwork to be mailed regarding what I owe and information regarding the account number. I never received a response from XXXX XXXX XXXX XXXX. A few months later I received a phone call from XXXX, XXXX, and XXXX XXXX. I asked who they were and requested documentation from them regarding my debt. I never received a response and they will just send a letter in the mail of the debt owed without sending the documentation I requested. Each time I request documentation, they never respond, call me back, or answer the phone. I spoke with someone from XXXXXXXX XXXX XXXX XXXXXXXX XXXX and they denied that I had an agreement with XXXX XXXX XXXX XXXX. They stated that I have not made attempts after that to pay the debt. Also, I was sent a warrant in debt in the mail from XXXX XXXX XXXX on XX/XX/XXXX without it actually being summoned or have a signature from a clerk on it. I am requesting documentation of the debt owed as my right.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CITIBANK, N.A. (TX)

None of these fit my pending report which is Case number : XXXX. Sued in XXXX County Civil Court. Allegedly by Citibank South Dakota NA now calling themselves Citibank N A. Address is still XXXX XXXX South Dakota. Original law firm was known as XXXX XXXX XXXX XXXX XXXX XXXX now known apparently as XXXX XXXX same location in XXXX Texas. I have never been notified of a name change. I have sent the original law firm a request to release my homestead from the abstract judgment that was filed in the real property records. I am attaching this as not sure I sent it originally as I forgot to print my report. As the AJ is not detailed my homestead would be included. In Texas the homestead is exempt and I have requested a release by them as i sent a certified letter to XXXX XXXX XXXX as I believed still lawyer of record which is still unclear. You may deem me a failure to pay a debt but I fought in court against their law firm and defeated them 4 times in court. I deny the debt and I believe that the court granted it in error. I would not arbitrate as I again deny this debt. I however assert that it is an illegal practices to engage in a blatant disregard to a Texas law which identifies in the real estate codes what is admissible to seek actions for assets retrievable. Thus the financial institution with their law firm issued an Abstract Judgment as though there were no restrictions that were not within the guidelines of their reach. In my opinion this has been a long time practice of illegal actions and both parties have committed a crime. I have not committed a crime in the eyes of the law and which I deny I owe. I believe that they use intimidation, coercion, and reckless regard for the Texas Homestead Exemption to collect on legitimate or illegitimate debts via Abstract Judgments. I believe that since the statue of limitations can go on for 20 years that the crime has strong possibilities that past and future debt holders have or might pay is considerable and undeserving.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (ME)

I have repeatedly requested that I be placed on a no marketing list, including at least XXXX telephone calls to the company. In spite of this I constantly ( as in more than 6 times in under 2 years ) receive misleading marketing materials attempting to trick me into contacting the company to refinance my loan. 
In my initial enrollment when called to confirm loan details I requested opt-out of all marketing. I received one marketing telephone call, and again requested opt-out of all marketing. This was apparently successful for phone marketing, but not mail. Upon receiving scammy mail marketing offer, I again called to opt out and have repeated that request 3 additional times with no success regarding mailed marketing materials.
Consumer complaint received 2016-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

This complaint is for Ocwen Loan Servicing. 
I contacted XXXX XXXX and XXXX today, XXXX XXXX 2016 at XXXX regarding our Note and Deed of Trust. I explained to XXXX XXXX XXXX that fraud has occurred with our Note/Deed of Trust and that both our Note and Deed of Trust has Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX on each document. Each page of the Note and Deed of Trust has what appears to be a loan number at the bottom left side, which is XXXX. XXXX and XXXX XXXX could not find anything within their systems pertaining to a loan. XXXX stated ; call your servicer and ask them the following questions. 
1st, please provide the investor loan number for our Note/Deed of Trust. XXXX stated that everyone has an investor number! 
2nd, why does our Note and Deed of Trust have the following information? ( NEVADA Single Family-XXXX/XXXX XXXX ) 3rd, if you do not know why XXXX XXXX XXXX is on our Note and Deed of Trust, we request that Ocwen Loan Servicing completes a full investigation and provide us a response! 
4th, when we requested in the past for a copy of our Note and Deed of Trust, we expected a certified copy and not a notarized copy or a copy of a copy which is very clear from the stamp at the top right corner that these documents are copies of copies. 
Why did Ocwen provide us a copy from a copy of our Note and Deed of Trust? We 've been trying to verify that the servicer has the original documents. Without the original Note and Deed of Trust, Ocwen MERS and XXXX Bank can not enforce the copies of our Note and Deed of Trust! 
5th, please provide a certified copy from your state recorder 's office of our original Note and our original Deed of Trust! NOTE, in order to get a certified copy from your state recorders office, you must have the original documents! 
Enclosed is a copy, of a copy of our Note and Deed of Trust that you provided us in the past. Please review the bottom left corner along with the top right corner. We request that your company answer our questions in detail and provide documentation. Please do not have XXXX XXXX from the Ombudsman Office respond to this complaint? If she does, more complaint will be filed since she failed in the past to respond accurately to our complaints. 
Failure to answer our questions must result in action taken against Ocwen but not limited to the following ; investigation from a federal agency, fines being imposed, loss of business license, court order, criminal charges filed, incarceration, lawsuit, compensation for damages, mental anguish and emotional distress.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (FL)

Today, XX/XX/XXXX, I did call, I C Systems Collections, phone number : XXXX in order to clarify a place for collection. I spoke to XXXX, ID # XXXX in order to find out about a placed collection for {$150.00} which through the original creditor XXXX ( Cable/Cellular ), I C Systems Collections stated that they have sent me a notice, which I have never received. Then, I asked them to send me any information they have related to this collection and they denied to send it over via e-mail because of their policies. I did call once again and I spoke to XXXX ID # XXXX, I explained my situation, XXXX transfer me to her supervisor, supervisor 's name XXXX, ID # XXXX which I repeated once again my concern in receiving all this documentation via e-mail and mail. He misinterpreted my communication trying to play around with the wording. I asked for more than three times to send via mail a re-validation notice, month of the debt, and any valid information related to this collection. 
I have also requested a copy of their policies, no proper answers being responded. 

Please help me to understand my rights under the Federal Trade Commission. 

What is my next step, I need to clear this matter from my credit report. 

Is it e-mail a legal way of communicating? 
Why I C Systems Collections can not send me all information on their files related to this matter? 

I need to dispute this matter on a civil and polite way in order to be protected under Federal Fair Correction Act. 

This matter is causing that my student loan to be held which is nu-acceptable. 

Sincerely,
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was able to review and check my credit report and there are some problems with some of the accounts that are reporting me late. I was never late on these accounts and I am under auto pay with my cards and I ensure that there's always money on my card and it's never empty
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a creditor who pulled my credit report without my permission. TransUnion wants me to approach the creditor and get permission to remove the hard inquiry. TransUnion is also asking for a personal statement to remove the hard inquiry ( I am OK with this request ). There is no process to remove fraudulent hard inquiry on credit report on their website or by phone call. Spoke with customer service and supervisor at TransUnion. TransUnion will not provide evidence that the creditor pulled my credit report legitimately or had permission. This is double standard. TransUnion is asking me to do the legwork of contacting creditor and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. This inquiry only shows with TransUnion. No other credit bureau shows this information. I need help with removing the hard inquiry on my credit report with TransUnion. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when the issue was created by the creditor/TransUnion. Thanking You
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2017-01-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Synovus Bank (IL)

I have contacted 1st Progress AKA FST Progress I sent them a 14 page packet along with the Affidavit they sent me. This affidavit I signed an notarized over 14 times going back as far as XXXX. This company continue to play games with me and ask for me to send the same paperwork as a stall tactic. Knowing I have Identity theft. today XX/XX/XXXX they send me a letter telling me they will refund to fraudulent charges? to a gas station and XXXX?? I do n't understand this is about the whole account. They play the games to be funny and I 'm very serious and on the verge of taking them to Court, If they do not comply with the guidelines and code of fair credit reporting. I am very upset that I have spent over XXXX clock Hours in writing them calling and Paying for Notary to Notarize my Documents. They have also change the dates on the credit report? Can some one please get this fraud of my Report. I do n't understand why a company would continue to Hurt a victim of a crime Like Identity theft. Its been XXXX trying to get my life back. I want this removed ASAP no more games.
Consumer complaint received 2024-10-25
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint regarding the refusal of credit reporting agencies to delete inaccurate data from my credit report, despite my repeated formal disputes. The agencies have failed to meet the requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to remove unverifiable information.

Also these laws if wish to initiate under 15 U.S.C. 1681i ( a ) ( 615 U.S.C. 1681i ( a ) ( 1 ) ( A ) ,15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681c-1 ( a ) The ongoing inaccuracies include : Incorrect Names and Addresses : My name is XXXX XXXX XXXX XXXX but variations, such as XXXX XXXX XXXX XXXX remain. Additionally, an unrelated address, XXXX XXXX XXXX XXXX, is still listed. 

Unauthorized Inquiries and Account Errors : My report includes multiple unauthorized inquiries and re-aged payment dates, among other errors. XXXX XXXX XXXX has reported payments of XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX is constantly changing last paid dates my last real paid date was XX/XX/XXXX And XXXX is reporting month after month of charge offs by laws they can only report it 1time Section 1681e " Compliance Procedures, '' which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
Section 1681i " Procedure in Case of Disputed Accuracy, '' which outlines the process for consumers to dispute inaccurate information in their credit reports. 

I kindly am asking cfpb to investigate the validity if these violations by crdfit reporting agencies and thier refusal to delete information that we all know is not accurate and complete
Consumer complaint received 2016-11-11
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (NJ)

My Current PayPal account is XXXXXXXXXXXX this account has {$170.00} available funds ; Opened in good standing since XXXX XXXX. Account limitations have been placed on this account and it has been completely frozen I 've been told misinformation as to why my account is limited. I 've spent hours on hold and on the phone only to get nowhere. They just repeat themselves, transfer you and repeat them themselves, than put you on hold until you 've been on the phone an hour only to be disconnected.. 

FIRST THEY said my account is limited to customer complaints of not receiving merchandise.. Than they said its because on another account from XXXX that is negative. So when I get contradicting statements witch which is clearly evident in the correspondence sent by PayPal. Every response shows contempt to answer any of my questions I do n't know what to do or believe. They keep ignoring my question and repeating XXXX of XXXX scenarios. I 'm sending you everything I 've got so hope you can make sense of it and help me regain access to my account and my funds.. I really need that money I 'm behind on my XXXX XXXX credit card now thanks to PayPal stonewalling me.