davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX 2014 I sent a letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America requesting certified copies of " any and all documents '' relating to my loan ( see attached ). I received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained several documents. None of the documents were signed or stamped by a notary or had any indication that they had been certified to be true copies of the originals. 

The documents indicated the ( original ) lender to be America 's Wholesale Lender/Countrywide Home Loans. There was no document advising that the loan had been transferred among the documents sent. 

On XXXX XXXX 2014, I again sent a certified letter to XXXX XXXX XXXX, Chief Financial Officer of Bank of America stating that the documents received had no indication that they had been certified as true copies of the originals. I also informed XXXX XXXX that there were no documents indicating compliance with Title 12, Chapter 27, Section 2605 of the USC. I again requested certified true copies of the original loan documents as well as certified true copies of the notification of transfer of the loan. 

I again received a response from XXXX XXXX, Consumer Advocate with Bank of America which contained the same documents sent previously. Again, there was no stamp, signature, or letter to indicate that the documents had been evaluated by a notary or other impartial entity and determined to be true copies of the originals. Again, conspicuously absent were copies of the transfer notification documents, certified true or otherwise. 

The nature of my complaint is as follows : Bank of America has violated Title 12, Chapter 27, Section 2605 of the USC. Specifically, Bank of America has failed to provided requested documents on more than XXXX occasion as provided for in paragraph ( e ), ( 2 ), ( C ), ( i ) of the above referenced code. Specifically, Bank of America ( and America 's Wholesale Lender/Countrywide Home Loans ) failed to provide timely notification of my loan transfer as directed in paragraph ( f ), ( 1 ), ( A ), ( B ), and ( f ), ( 3 ). 

Based on Bank of America 's inability ( or refusal ) to provide the requested documents, and coupled with the fact that Bank of America has been fined for 'irregularities ' in its handling of mortgages it is doubtful that Bank of America is in fact the legal mortgagee and that I am actually indebted to Bank of America XXXX
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Arnold Scott Harris, P.C. (IL)

I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus.
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (WA)

I received a collection correspondence from Dynamic Recovery Solutions indicating I owed {$2200.00} to them on behalf of XXXX XXXX XXXX from XXXX its states XXXX XXXX XXXX XXXX XXXX XXXX the current creditor. The current account # is XXXX, I dont know where this information is coming from, am unfamiliar with the debt and its not on my credit report, I 'm a federal employee whos information has been breached.
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

XXXX XXXX solicits the public to sign-up for its XXXX XXXX Citi credit card by offering the flying public several perks.including among them the right to have XXXX Boarding when purchasing a ticket. That is being able to board before the general public and therefore to have more time to relax and prepare for your flight. In the past XXXX months XXXX has failed XXXX to honor this advertised perk for my wife and I.. Their most recent response to me today was : 'The number of customers previously included in XXXX was simply becoming unmanagible. '' If this is their position why are they allowed to keep advertising this perk to the public as an inducement to accept their card. No goodwill adjustment has been offered to date.
Consumer complaint received 2016-02-09
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at XXXX who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a XXXX pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was 1 certified letter and 2 in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. XXXX is either confused our incompetent either way I think my XXXX year old mother with XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by XXXX and filled out and sent to them
Consumer complaint received 2024-11-23
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. (NC)

I am writing to formally request the blocking and deletion of the following unauthorized accounts and inquiries from my credit report. These entries are fraudulent and resulted from a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request immediate removal of these items. 
Unauthorized Accounts XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$3200.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$16000.00} Unauthorized Inquiry XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Accountability Dear Consumer Financial Protection Bureau, I am filing this complaint to request your assistance in resolving ongoing issues with my credit reports and the mismanagement of my credit score by credit reporting agencies and creditors.

Despite maintaining a spotless payment history across all my accounts, paying balances well before their due dates, and consistently staying within my credit limits, my credit score has inexplicably dropped. I have made repeated efforts to resolve this issue with the following companies : Credit Reporting Agencies : TransUnion, XXXX, XXXX, XXXX Creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Unfortunately, my complaints have been met with deflection and denial of responsibility, leaving me without clear answers or a resolution. This mismanagement is directly affecting my financial reputation and opportunities. 

To address this, I am requesting : A comprehensive review of my credit reports across all bureaus. 
The correction of any errors or inaccurate entries. 
Accountability for ensuring accurate and transparent credit scoring practices. 
I am providing detailed records of my communications with the above companies and my credit reports for your review. 

I trust that the CFPB will act as an advocate to enforce accountability and protect consumers like me from systemic negligence and harm. 

Thank you for your time and attention. I look forward to your support in resolving this matter.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NC)

On XXXX XXXX, I was notified by my home flood insurance carrier, XXXX XXXX, that my flood insurance policy has expired. The policy has expired because my mortgage company OCWEN mortgage has not paid the policy out of escrow ( as they 've been directed to do and as they 've done in the past ). In talking with XXXX, the agent mentioned that this is a standard of practice- that several mortgage companies will wait until the grace period deadline to pay. His statement was that OCWEN is notorious for waiting until the last minute. That means- if I have a flood anytime until the policy is paid, I am not covered. This is unacceptable- and should be criminal. OCWEN says they 're unable to pay because they have not received the invoice from XXXX. XXXX says they 've faxed the invoice several times- 60 days, 45 days prior, XXXX XXXX and XXXX XXXX. The XXXX agent mentioned that he has noticed that XXXX in the past 18 months- is constantly changing e-mortgage clauses, fax # s and PO boxes. This seems to be a convenient method to deceive customers and avoid responsibilities. It also signals to me that OCWEN may not be solvent. I 'm continuing to work with both OCWEN and XXXX and hope to resolve things sooner than later. I think OCWEN is utilizing deceptive business practices and I request an investigation.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is with the Emergency Room Hospitals in XXXX Florida. I went to the ER and was admitted, bills were submitted to XXXX and paid. However, a doctor in the ER did not submit his billing until a year later and due to my move, 2 years later ( this week ) it was on my report. XXXX was contacted and they never received the bill. This has happen numerous times and now its on the report. In addition, TransUnion put it on their report XXXX and now I am denied housing. XXXX is going to pay as soon as they contact the hospital. This is unjust to the consumer/patient when you provide the information and all these doctors you have no knowledge of bill years later!!! I was at XXXX XXXX Hospital in XXXX, FL. XXXX XXXX XXXX Hospital also billed separately but I was still located at the same address and was able to resolve it with XXXX. Finally, on the report it states I have another name of XXXX XXXX This is not my name and never have I used this name. I want it removed.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXXXXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point I XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NY)

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 recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your co

mpany or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-03-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA for some reason insist on not investigating my account correctly. Once my family and I noticed that my Identity was compromised, USAA was notified. We notified them and my account was closed with a day of us noticing, and USAA explained that they will be discontinuing business within a day of noticing the problem. I am being held responsible for all transaction and I have strong reason to believe that USAA did not conduct a proper investigation. I called today to try and figure out where the ATM withdrawal transaction occurred, but after calling a USAA representative explained that he no longer was able to obtain the information for me to correctly file a Police Report to the Officials. I have been very displeased with USAA 's customer service lately, and my family has been banking with them for years. I am being held responsible, and a representative explained that a day prior someone called and impersonated myself using my information. This was startling to us, USAA allowed us to make another claim to review/dispute the decision they made. However nothing has changed and I want to correctly file a report, and ask the Police to look at the cameras of the ATM that was used to commit the fraudulent activity so that USAA and myself may have a better understanding of who is at fault.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I have submitted a complete application for a loan modification to the servicer, Ocwen, on numerous occasions to the present. I have received from Ocwen letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, Ocwen has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at 1024.41 ( h ). 
Ocwen, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (NY)

VALIDATION AND CEASE AND DESIST TRUE ACCORD XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Account number : XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.