davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
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. (CA)

Requested opt out... 
XX/XX/2023 XXXX XXXX XXXX Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter.. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer. 
Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request. 
Yours sincerely,
Consumer complaint received 2023-12-29
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. (IL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2016-07-05
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Harmon Law Offices, P.C. (MA)

XXXX of Harmon Law debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. Harmon Law signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts and hard inquiries : 1. Account Name : XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 2. Account Name : Department of Education Account Number : XXXX XXXX XXXX XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related ot XXXX  experience. 3.

Account Name : Department of Education Account Number : XXXX XXXX XXXX XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related ot XXXX  experience.

.

Inquiry Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. Inquiry Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 3. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience.

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

1 : impossible to communicate with this company. 
2 : web site frequently down 3 : when I submit messages, an error occurs and it is not sent and i am asked to log in again. 
4 : I can not get pdf files of my monthly statements without ReQUESTING them, waiting 48 hours for an email link. For a year I never saw the email link.They finally just mailed me -TWICE -a year 's worth of paper statements. I prefer instant analyzable transparent pdfs!!! 
5 : It 's XXXX XXXX. I tried to " contact them '' via their message board and the message, once again, had an error. 
Not receiving instant access to legible PDFs makes me not understand what I owe. The excel stuff is ok but not for analysis.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I am filing this complaint to express my concern regarding an unresolved issue with fraudulent charges on my account. On XX/XX/year>, I noticed unauthorized transactions on my account, specifically from XXXX however these particular charges was not done by me being as though I lost my card in the area that day. 

Despite promptly reporting these charges on XX/XX/year> and submitting all required documentation, I was assured that the charges would be investigated and that I would be reimbursed for any proven fraud. However, as of today, XX/XX/year>, these charges remain unresolved and the bank has deemed them to be accurate. These charges are not accurate. 
This delay is causing significant inconvenience and financial stress. 
I appreciate your prompt attention to this urgent issue.
Consumer complaint received 2024-08-29
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. (NY)

I am writing to formally lodge a complaint regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Privacy Act of 1974, and the Equal Credit Opportunity Act ( ECOA ). I have discovered an inaccurate, unverifiable, and unauthorized inquiry on my credit report, which is in direct violation of these federal protections. 
Specifically, this unauthorized inquiry violates the following statutes : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ) 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) The presence of this inquiry on my credit report is not only unauthorized but also unverifiable, as it lacks any legitimate basis for its appearance. This inaccurate information severely impacts my creditworthiness and reputation as a federally protected consumer. 
Efforts to Resolve I have reached out to all three major credit bureausXXXX  Experian, and XXXX regarding this matter. Despite my efforts, which include providing detailed information and requesting the removal of this unauthorized inquiry, my concerns have been ignored. The lack of response from these credit bureaus is unacceptable and exacerbates the harm caused by this inaccurate reporting. 

Impact on Creditworthiness As a result of this violation, my creditworthiness has been unfairly and negatively impacted. The presence of unauthorized inquiries can lower my credit score, thereby affecting my ability to obtain credit on favorable terms. This is a direct infringement on my rights under federal law, and it must be rectified immediately.

Request for Action I am requesting that the CFPB take immediate action to investigate this matter. The unauthorized and unverifiable inquiry must be removed from my credit report, and the responsible parties must be held accountable for this violation of my consumer rights.

Additionally, I request that the CFPB ensures that the credit bureaus respond to my inquiries and correct my credit report to accurately reflect my credit history without the unauthorized inquiry.

As a consumer, I rely on the protections afforded to me by federal law to ensure that my credit information is accurate and secure. The violations in this case are serious and have caused undue harm to my financial standing. I trust that the CFPB will take the necessary steps to address this issue and uphold my rights. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

My name is XXXX XXXX, and I am the widow XXXX XXXX XXXX XXXX as well as the executor of his estate and rightful heir to our property in XXXX New Jersey. I am contacting you because our mortgage company Ocwen has not given us the opportunity to resolve our delinquent payments and is moving to foreclose on this home instead of working with me towards a modification or payment arrangement. My husband and I bought this home in 1996 and made payments as agreed for nearly FIFTEEN YEARS. After my husband passed away I had major health issues and ended up unable to meet my financial obligations and fell behind on the mortgage payment. 

I began trying to work things out with Ocwen by applying for a loan modification but have failed to make any progress. Our current interest rate is 7.75 % -- when we bought the house the interest rate was at 12 %. Our mortgage lender has collected a large amount of interest over the last 15 years, and XXXX would think they would be more willing to try and resolve this issue with me instead of moving to aggressively foreclose. 

Our financial circumstances have changed since we first applied for assistance. My daughter is living with us and contributing and we also have a boarder who pays a monthly rent. I am currently in review for XXXX benefits and expect that to be approved shortly, which will really help us out financially. My issue is that we are struggling and have a true financial problem and yet Ocwen has not been able to offer any possible solutions. I am aware that Ocwen received billions in government bailout money. I also am aware that Ocwen was fined by the government for unethical foreclosure practices. 

I am not asking for a handout, and I realize that we are very delinquent on our loan. But I also know that our lender has collected 15 years ' worth of payments and our balance is very low while our interest rate is very high. I believe that are many options to restructure this loan and put late payments back into the balance or defer them through a forbearance agreement. At this time Ocwen refuses to accept a mortgage payment and have told me the only option is to make a lump sum payment of the full past due amount. I just ca n't do that right now, but I desperately want to save my home and resume making monthly payments.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM 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 2024-11-23
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. (NC)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX/XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX/XXXX  XXXX  Account Number : XXXX XXXX/XXXX  XXXX  Account Number : XXXX TransUnion : XXXX XXXX  Account Number : XXXX Account Number XXXX XXXX
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has discontinued my ability to make principal loan reductions to my mortgage account online. And you can not make payments to tellers either. Since the Bank set up this new system where all payments are first applied to interest and any remainder is applied to principal. This is WRONG and should not be allowed. 
I should be able to make principal reductions at any time during the month without it being applied to accured interest instead. This IS ILLEGAL
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Funding LLC has sued me in Louisiana Civil Court, and has violated several of the CFPB Consent Order stipulations : 1 ) They have initiated a lawsuit with a failure to provide Original Account Level Documentation reflecting purchase, payment, or other actual use of the account by the consumer. 

2 ) They have failed to provide a document signed by the consumer evidencing the opening of the account forming the basis of debt and original amount. 

3 ) They have provided a Bill of Sale that fails to reference the particular debt being collected upon. 

4 ) They have presented to a court an affidavit in which an affiant represents having personal knowledge of validity of debt when that is not the case.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (ME)

Called loan proscesser on Monday it took XXXX 9 days to get back to me she said we had a hurricane in here. She charge my credit card XXXX for appraisal with out my permission when I contacted her she said read your packet and when I read it it said it will come out of my closing cost. I was surpose to close in 45 days did n't happen I called XXXX and she was was rude she said maybe I should with draw my application now I got shown involve which is her manager and talk to him on a Thursday said he was going to rush my loan thru it 's been 7 days and my extensions ran out and no word from shown to find out when or if we are closing I talked to several different managers at TD bank and they keep telling me they will reach out to shon we are at 55 days and I am under contract so I do n't know what to do please help me I can explain more when you reach out to me. The realtor has reach out to processor 15 emails with no response. Please call as I can really tell you how unfair I have been treated We have been in our local branch several times. Missing work and dealing with this issue for 55 days. XXXX. And TD bank does n't care. We have never been thru something like this.
Consumer complaint received 2016-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Please see below, the message I attempted to send to Ditech, but which, of course, the website bounced, and did n't accept : It 's unclear whether ditech is incompetent or fraudulent, but either XXXX is XXXX unacceptable. 

Due to absolutely incomprehensible and irregular statements received from ditech over the past month, showing numerous errors, fraudulent fees, missing funds, and an INCREASING Principal Balance, I 've spent over 8 hours doing my best at forensic accounting and have found that ditech has lost or stolen {$1200.00} of the money I 've remitted between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Errors include but are not limited to : 1. The site 's Payment History shows receiving a payment of {$800.00} on XXXX/XXXX/XXXX, but the XXXX/XXXX/XXXX Statement does not reflect a payment. 
2. A Late Fee was applied for the payment you lost on the XXXX statement 3. You applied {$740.00} to Principal in XXXX, when you should have applied {$260.00}. It looks like you tried to fix it in XXXX, but made a {$14.00} error in your favor. Convenient. 
4. Then in XXXX, when you tried to fix it, you did n't apply the Principal Due ( that I paid ) of {$260.00}. Where did that go? 
5. Since XXXX/XXXX/XXXX, I 've remitted {$1600.00} over the minimum payment due, and you have applied only {$610.00} of that overage to Principal. Yet the most recent Statement I 've received ( XXXX/XXXX/XXXX ) shows NO Funds in Suspense. Where is my money? 

To top it all off, on XXXX XXXX, XXXX, I received a letter on ditech letterhead stating that MY ACCOUNT HAD BEEN REFERRED TO A DEBT COLLECTOR. 

Fix. This. Now. 
And call me. 
XXXX XXXX XXXX
Consumer complaint received 2016-08-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I 'm writing to get a response from Bank of America regarding my FHA loan. I 've spent allot of time trying to get my situation resolved and to get BOA to close out my FHA loan. The property has since been foreclosed, resold, and currently under contract again to be sold. It is completely out of my name through county records but Bank of America is n't reporting it to FHA and further making it hard for me to move forward. I have been trying for well over a year calling FHA frequently to see if BOA has done their part and it continues to sit without being resolved. I have previously spoke to XXXX, my case manager, and left him a recent message hoping to get a clear answer but I 'm awaiting a response. I would greatly appreciate this to completely be finalized and closed so my family and I can move forward. Thank you.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WA)

I have received XXXX times of American Express Premium Reward Gold Card Ads & Pre-select Invitations around middle 2016. All the Ads letters state : " GET XXXX MEMBERSHIP REWARDS POINTS after you spend {$1000.00} on eligible purchases with the card within the first 3 months of membership '' After three months of my membership I had made at least {$1000.00} eligible purchases using the card within that three months period. HOWEVER, I only received XXXX rewards points, which is only half of what I was supposed to receive. I contacted American Express Gold Membership a couple of times for a solution, they refused to issue me the rest XXXX as they promise in the credit card ads.
Consumer complaint received 2016-07-05
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

Regarding my complaint # XXXX. I have been informed that Wells Fargo Mortgage has once again requested an extension of their deadline to repospond to my complaint. The CFPB must do a better job of protecting this consumer. For more than XXXX years I have attempted to get details on a charge called " Unpaid second principal balance ( of ) {$7800.00} attached to my mortgage modification. And, for the second time, they are representing that they have to do " more research '' of their closing documents to determine the reason for attaching this charge to my modification. Wellls Fargo 's Mortgage department must be held to a legal and reasonable standard of consumer lending disclosure and transparency. Either there is a closing statement that discloses the details of this charge or they are attempting to further delay any resolution in hopes that I will drop my complaint ( s ) .This past and current conduct in responding with detail to the CFPB and me is tantamount to consumer fraud and must be addressed forcefully and quickly. That is the charge in the CFPB legislative authority and the public deserves better. I expect a more timely resolution to this complaint. ( The several Wells Fargo employees who have responded to my question in the past month are : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX and SVP XXXX XXXX by mail. ) Thank you, XXXX XXXX.