davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (NJ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified in 15 days, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

Due to economic downturn, my business declined and my family went through hardship and fell behind on mortgage payments and eventually had to file bankruptcy. In keeping to our financial responsibility, we worked hard to improve our financial situation through additional employment. In the process most recently, we requested a loan modification to get back on track with our mortgage company Fay Servicing. After a lengthy, stringent process, they approved us for modification only to find out that they want to almost triple our interest rate - from 2 % to 5.5 %, a 175 % increase. Meaning our payment would go from approx. {$3100.00} to {$5200.00}. The whole idea of a loan modification is to receive some type of modification, generally more time to repay or reduction in the interest rate - NOT an increase in the rate. If it was unmanageable at {$3100.00}, how does the lender expect us to make a payment almost 3x more? It is illogical. Also, it is evident they are raping the consumer to make a profit and forcing the homeowner out of their home by making it unmanageable and foreclosing on them. Manipulating the rate during the modification process is very deceptive. The account manager stated that the rate had to increase because that is the market rate and that they could not offer a government program or rate. We knew for a fact that we weren't in a government program or rate at 2 % because we were told that back in 2014, so by making that statement and standing behind it was clearly an excuse. In 2014, Fay Servicing confirmed to us that we had a conventional loan and did not qualify for any of the government programs because of the loan amount. Also, at that time we were told we needed to come up with approx. $ 25K to avoid foreclosure, and when we told them we had the funds, they informed us it was too late to stop the foreclosure - when it was 5 days away. Again, we knew that wasn't true. So we know what the account manager recently stated was not true. Also, I researched the rate with local banks to be sure and they confirmed my belief as I was told the rates were below 4 %. We find this discriminating and illegal - because we filed bankruptcy and imposing an acceleration of our interest rate, respectively. Also, our house is upside down by $ XXXX and the lender didn't even consider a principal reduction or forgiveness. The lender is well aware of this as they recently completed a market valuation of the house. I hope CFPB can assist us in the process to keep our rate the same and get a longer term to repay our lender so we can stay in our home and also work out a principal reduction after they chose to not work with us before and force us into bankruptcy. Thank you.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (IN)

Indiana XXXX XXXX used a report from Lexis Nexis to increase our auto insurance 13 percent. six percent was normal increase. They said the other 7 percent was due to an insurance score increase from XXXX to XXXX. I have asked and written Lexis Nexis to detail the reason for the change but have not received a response. I have copies of the report that shows the increase from XXXX to XXXX but it reveals no basis for the change. My credit remains top notch with no late fees, bankruptcies or adverse credit. I would like to have the opportunity to review the changes so I might challenge them, The changes happened between the XX/XX/XXXX insurance renewal and XX/XX/XXXX.
Consumer complaint received 2018-06-21
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX - I opened a savings account and a checking account wit

h Citi online. About a week later - Citi e-mailed me to ask for more personal info, including utility bills, credit card bills, phone bills, etc.
On XX/XX/XXXX - I faxed the documents back to Citi.

On XX/XX/XXXX - I received the new Citi debit card in the mail and activated the online access. I could see my new Citi savings account and checking account online. Later on the same day, I asked Citi online rep how I could meet the requirement for the opening account bonus by the deadline. She said I could wire the money in ( {$15000.00} ) from a different bank on the next day.

On XX/XX/XXXX - I followed Citi rep 's advice and wired {$15000.00} from my XXXX XXXX to new Citi savings account. Later on the same day, I realized I suddenly lost my Citi online access. So I called Citi, and the Citi rep told me the accounts were indeed approved yet they'd just closed my new accounts ( without a good explanation ).

On XX/XX/XXXX - I found out my XXXX XXXX  got the wire money reversed ( rejected by Citi due to closed accounts ) but only {$14000.00} was returned by Citi. I called both XXXX and Citi. XXXX rep confirmed that Citi took away {$40.00} when returning the fund. However, Citi rep didn't admit that they took away {$40.00} or find a way to explain why my new accounts suddenly got closed.

I searched online and found out that Citi indeed charged {$15.00} for incoming wire and {$25.00} for outgoing wire, so I'm suspecting that's how {$40.00} was lost : https : //online.citi.comXXXX XXXX I'm not at fault since I basically just followed Citi 's instruction yet they closed the account and took {$40.00} for rejecting my wire transfer. I hope that CFPB can help me resolve this issue with Citi.

The conversation with Citi rep on XX/XX/XXXX is attached.
Consumer complaint received 2018-04-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Collections U.S.A., L.L.C. (PA)

Credit Collection USA is attempting to collect a debt in the amount of {$240.00} for services rendered by a podiatrist I had visited a few years ago. When I asked them for validation of the debt, I did not receive it. I asked them to then cease calling to collect the debt until they had sent a validation letter to my home address. They continued to call. I had blocked their number and was continuing on with my life until I received a call from my brother, who had begun getting collection calls for this bill in my name. We do not have similar first names or even the same last name and we do not live in the same area. This also happened with another account on my credit report, which I will also be disputing today. I never authorized anyone to speak with my brother, and he was told my name, my address, the debt and the reason for the debt. Because this is medical debt, I did not think that was allowed. I do not even allow doctors offices to provide my wife with information, let alone my brother who I barely speak with. He called me, angrily, to see if I had used his name for some reason, and if I was expecting him to pay the bill. It seems illegal for them to be contacting people this way!
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd. (FL)

Ever since my aunt tragically passed away, this company + number began calling me ( sometimes multiple times per day ). Amazingly fraudulent and annoying. I ( with a perfect - and frozen - credit report, which I very closely monitor ) owe no debts anywhere, but these calls keep coming ; presumably attempting to somehow extract money from me using my aunt as a connection ... it's a shame that other folks who are less sophisticated / fearful might actually fall for this. Shocking that there is no way to block ...
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Had a residential mortgage with XXXX XXXX XXXX, which was transferred to Chase Bank when XXXX XXXX XXXX   failed about ten years ago. In XX/XX/XXXX, Chase Bank agreed to refinance the mortgage and claimed that they had " lost '' the original mortgage and note and stated that they would issue a new mortgage. I closed on the refinance on XX/XX/XXXX. To date, the satisfaction of the former Washington Mutual/Chase mortgage has not been recorded. Chase has recorded the " new '' mortgage and now there are two open mortgages of record against my home.

I requested that Chase supply me with an indemnification for the lost mortgage and note and they have not responded.

This transaction involved property in NY State, and, Chase is obligated to pay a penalty for late filing ( or in this case the non-filing ) of my mortgage satisfaction and for the failure to deliver the original note and mortgage. At this time, the county records show both the " new '' Chase mortgage and the " old '' Washington Mutual mortgage. If I try to sell my property, there will be a problem because the Washington Mutual mortgage is still showing as of record. I also want to be paid the NY statutory penalties for late filing and the failure of Chase to provide the lost note and mortgage.
Consumer complaint received 2024-10-10
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. (AL)

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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-10
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. (IN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-06-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greystone Alliance LLC (NJ)

For the past year I have been getting calls as well as family members regarding a loan I never took out.i asked for proof and paperwork to be sent to me on several occasions and still nothing.they keep calling me and family members asked them to stop still continue.XXXX XXXX from greystone and associates leaves message as if he is law office but does not send info.need this to stop.the have nothing when u search them online but complaints of false claims
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (WI)

The medical debt incurred by Americollect was done while I had health insurance and placed them under a previous bankruptcy. When informing the representative of this and that my file needs to be rechecked they informed me that they did not care and that the debt was owed. I never received notice of the debt and it was never validated and I never received a bill period, it was just continuously put on my credit for the last four years back to back with change of dates.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : XXXX ( COLLECTIONS ), XXXX XXXX ( COLLECTIONS ) In addition to these fraudulent accounts I've noticed several hard inquiries XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX - CXXXX 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
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

NO idea what this is for ... ... ... ... 
Tried communicate with the company they talk in circles or do not send detailed information of this debt to verify. 

I need this removed from credit report immediately, if unable to provide proper back up it has been since XXXX that I requested information
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

XXXX XXXX  is reporting two closed accounts on my XXXX   credit report. Both accounts show a balance of {$380.00}. One is shown to have been opened XX/XX/XXXX, the other on XX/XX/XXXX.

They have been doing this for many years though I have asked for them to remove them.

Also, XXXX XXXX   has never validated the debt with me though I asked them to do so in XX/XX/XXXX and in XX/XX/XXXX. Without validation I can not know if these 7-year-old accounts are mine. I do not believe they are mine.
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX @ XXXX CST I received a call from a private number saying I was contacted by a " debt dispatch '' company regarding a debt that was about to reach legal action, in the form of a summons. The lady had no information about the debt ( such as amount, type of debt, the company it was associated with or the age of the debt ). However, they gave me a # to call ( XXXX  ) XXXX and a accnt # XXXX. I called the # that was supplied and the gentlemen who answered told me the debt was from bank of America, of which ive never had an account with bank of America, nor have I ever received a letter regarding such a debt or account. The gentleman, who refused to give his name called me " A Liar '' and stated " Legal proceeding were occurring XX/XX/XXXX-XX/XX/XXXX to collect this unheard of debt. Now, I assumed maybe my identity was stolen. Quite possible, but then when I asked for more information, he said " the account # is XXXX, and that it was from bank of America. I asked for the address of his agency, he refused to give that information. All he said was " This is the XXXX XXXX '' As I was concerned because I have great credit, cleaned it up over the past 7 years, I contacted BOA this morning and spoke to a rep who could not verify any of this info. Now I'm filing a complaint and would love to know how my name and number was accessed and why are they saying I owe a debt, when I don't?? especially without ever receiving any written notice for an account if never had?
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & R Collection Service, Inc. (TX)

I have tried over and over to request documents, a contract or any form of proof that the debt is mine. R and R Collections refuses to validate this debt. I have sent them certified letters month after month. I also have requested that the 3 credit bureas send me proof that this debt is mine. All I know is that its a " vet bill '' I have no further information in the amount of {$2000.00}. R and R collections did not send me an early warning notice so that I may have time to dispute. With out my knowledge they placed it on my credit bureas. dates I have sent over disputes to the bureas and the collection agency on the following debts. I sent them letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and as early as XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

I sent an electronic payment on XX/XX/2018 in the amount of {$450.00} and the servicing company said they never received the payment. My bank verified that the company did in fact, received and deposited the payment into their bank account. However, they never reflex the payment as received or updated the dates on my account. I have sent letters from my bank, and proof of transactions made, and I have contacted the company almost everyday and I am still waiting for them to respond and make the necessary changes to my account.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, XXXX, and Transunion responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (DE)

I'm right in the middle of trying to obtain a mortgage and some how I have a bogus account pop up on my credit report it has lowered my score 8 points and the worst part is I don't have any services with this company and they had the nerve to send me to collections. It states on my report that I opened this account in XX/XX/XXXX and it's on my credit report for non payment, I haven't received a letter or anything the amount is XXXX dollars and it's supposed to be for internet services, I have had XXXX internet for over 2 years.