davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

On XXXX XXXX, 2015 I closed my account out with Wells Fargo Bank. I was upset because of a previous charge that was deducted out of my account. 

I advised the lady who closed my account that I had XXXX outstanding checks and that I was going to contact them and make payment arrangements. She then gave me the money in my account and when I walked out the door I assumed my account was closed. 

I opened up an account with XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015 Wells Fargo Bank took a direct deposit into my closed account and deducted {$35.00} check fee and paid XXXX XXXX {$200.00}. This account was closed on XX/XX/XXXX. How come they took this money out? 

I went directly to the bank and talked with the manager. She advised me that my account was not closed and they had tried to contact me earlier. I never received any phone call and I have my phone on all the time because of the work I do. She was very rued and told me that my account is opened and to check back the next day to see if it was closed. 

Wells Fargo Bank took money that did not belong to them if they paid this check then they should of contacted me for the money not take it out of a direct deposit made by mistake to a closed account ... 

I feel Wells Fargo stole my money. I was late on rent and I could not cook xmas dinner for my family this left me in so much distress. It was horrible.
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX 2010 Due to my closing my Trucking business due to economy not producing enough income to cover overhead. I could no longer afford my house payments. I went from XXXX a month to XXXX K in one month time frame. Thus the house was unaffordable. we called XXXX and explained it. XXXX took it over and there was very little communication with us via mail and some harassment over the phone. We submitted paper works with XXXX several times because they would n't be able to find the paper work that was faxed and mailed to them. We talked to several people in the collections department and never went to loss mitigation with them. They did file Notice of Default with the XXXX XXXX courts in 2010 and even had a sale date that we never notified of. But the continual excuses and dragging the issue around when we asked multiple times in writing for a modification did nothing but leave a huge amount because the original loan was never paid and interest and late charges were mounting. We requested a reduction in principal which many homeowners in XXXX XXXX XXXX received but they finally made a loan mod agreement and never mention that there would be a new servicer for the loan and not XXXX. The servicing company Select Portfolio Services. This company has a track record that goes back to before they were SPS. They have been involved in many foreclosures and illegal property sales at pennies on the dollar without notification. No Original note ever being presented. Why when other people in XXXX XXXX county received principal reductions di my mortgages increase to where I have a XXXX balloon payment.
Consumer complaint received 2024-10-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Re : Immediate Cease and Desist & Formal Debt Dispute Account # : XXXX, I am writing in response to your repeated attempts to collect a debt that does not belong to me. I have no association with the creditor XXXX XXXX, and the debt in question is not mine. The address you have on file, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, is not my address. 

As a result of a data breach involving my personal information, which occurred on XX/XX/year>, and was disclosed to me by XXXX XXXX XXXX XXXX XXXX see the enclosed documentation ), my personal information, including my Social Security number, was compromised. I have reason to believe that this debt may be related to fraudulent use of my identity. I have taken steps to protect my identity and am actively monitoring my credit. This breach has resulted in unauthorized use of my personal details, and I am not responsible for any debts incurred by these activities.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute the validity of this debt and demand that you immediately cease all further communications with me, including phone calls and letters. Your continued contact constitutes harassment and is a violation of the FDCPA.

Additionally, under 15 U.S.C. 1692e, any false representation of the character, amount, or legal status of any debt is prohibited. Since I am not legally responsible for this debt, your continued efforts to collect are unlawful.

I request that you provide : XXXX. Proof of my legal obligation to pay this debt, including the original signed agreement or contract. 
XXXX. Verification that this debt is actually mine, based on legitimate information and not as a result of identity theft. 

Should you fail to comply with this request, I will pursue legal action for damages related to harassment and violation of my rights under both federal and state law. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  State Attorney Generals Office.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Associates, Ltd. (WI)

Collection Associates reported on my credit an amount owed of {$1000.00}. I am currently making payments as a agreement. I called them to verify the balance and is still at {$900.00}. So far I have paid them {$650.00}. They told me that the original balance was XXXX which is not correct. My credit report clearly shows {$1000.00} which was reported by them.I know I owed on the account, but they are overcharging. Anything that can be done with this?
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
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. (NV)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (WI)

I had a Home Deport Credit Card ( acct. # XXXX ) with no other authorized user on it. An unauthorized user was allowed to charge on it and I have been continuously billed {$1000.00} that I did not charge. I have disputed this with Home Depot, XXXX, then a law firm XXXX and now another firmXXXX. Each time they remove the debt from my credit report but it reappears with a new collection agency. How can I get this permanently removed from my credit report?
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-13
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. (MI)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress.

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Consumer complaint received 2016-03-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (PA)

I took a {$5000.00} loan from Sallie Mae. I faithfully made payments for 5 years. My father passed and I had to quit working and move in with my mother. The loan defaulted. They are now demanding I pay it in full and will not offer reasonable loan repayment options.
Consumer complaint received 2024-11-13
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates th
e 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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

1. ( XXXX - XXXX ) 2. ( XXXX - XXXX ) 3. ( XXXX  XXXX - XXXX ) 4. ( XXXX XXXX XXXX  XXXX XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation
Consumer complaint received 2015-07-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was given a fraudulent check through a person i met through XXXX. I deposited the check through my bank account via Bank Of America, they took a day to process, which was approved. so i proceeded to do as the person asked which was to pay bills, and two days later Bank of America decided that the check was apart of a fraud. They did not warn me or approach me of the activity going on instead i had to find out myself. they are unwilling to work with my situation of unknowingly depositing a fraudulent check. yet even then they still approved a bad check, and two days later decide that it is n't what they thought. i have never heard of a bank having a policy in this sort, instead i have known of banks not allowing right away for a fraudulent check to be approved.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION (GA)

I first received a loan modification from Stonegate mortgage on XXXX 2015, at this time my payment was going to be XXXX, estimated then went up to XXXX after I had signed the new paperwork at the XXXX payment, they agreed this was their mistake and each time they told me I could fill out a loan modification packet to get my account current again after i kept complaining that the payment was not what I agreed upon. Now for the past year I have been filling out loan modification paperwork maybe four our five times ( different packets ). Each time I am told I missed the deadline. I even had it certified mail and the packet was there on time, they said oh no you missed this, after I was told what I needed to send in and my packet was complete, either by mail, or phone or email. we dont understand what this docoument means, this needs to be certified, the bank statements are not current, the payroll is not current. i now received a letter of default, the XXXX one today. I know I am doing my part getting the paperwork in. I talk to people on the phone and we go over everything, that is needed. I resend it, but sometimes when I am on the phone the person says dont worry about that it is more then sixty days old. Then I talk to someone else and they say oh no you need to send it. I have yet talk to a person that is handling my case, only someone that looks at the paperwork and checks the documents. I am thoughly stressed, and upset. I am doing my part and they seem to not care. The last modifcation to me was totally wrong, after I signed the paperwork they then added on escrow and insurance, ontop of my new mortgage amount. I complained to anyone that would listen. Now I am stuck with a year of resending the same paperwork over and over and it is like a huge game to them. Is there any protection for the consumer? IF you have any answers on what I need to do or who I need to turn to please let me know.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CT)

My mortgage company Ocwen loan services keeps repeatedly calling our home after XXXX. They have called three times after XXXX. When we have asked them to call during normal calling hours they claim that they are. Tonight I received a call at XXXX and last night they called at XXXX. This is harassment and I would like for it to stop immediately.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a timely appeal request and no written determination has been issued to date. This means, as a matter of law, until a written determination of an appeal is issued to the borrower, the modification process that began in XXXX can not be considered concluded. Therefore, Bank of America is required, as a matter of law, to keep a single point of contact ( XXXX ) assigned to this home loan account as I am still considered active in the modification process. 

On XX/XX/XXXX Bank of America is not following XXXX and other guidelines when it comes to incorrectly denying a borrower a HAMP and, instead, is trying to force me to restart the modification process rather than agree to settle for their misconduct throughout the modification process. 

I have repeatedly informed Bank of America I will not restart the modification process that I began in XX/XX/XXXX for which they have confirmed multiple times. Yet, Bank of America continues to harass me on this point. 

Bank of America has no standing to commence any separation processes or procedures such as foreclosure, but refuse to settle for their wrong doing. 

In the mean time, Bank of America is reporting to credit collecting agencies default on my mortgage loan while at the same time not taking any action to resolve the matter whatsoever other than harassing and threatening me time and again. 

Bank of America also keep on deleting and altering documents from the Online Borrower Portal. This is wrong on so many levels including their duty to preserve evidence and protect my personal and financial information. There is no excuse to be had on this point. 

Simply put, it has not cost Bank of Almeria any penalty they are not willing to pay when caught in the act of their wrong doing when it comes to the modification process.
Consumer complaint received 2015-07-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a Bank of America visa card. In XXXX of 2015, I reported a fraudulent transaction from XXXX. BOA quickly issued a new card and assured me the matter was taken care of. In XXXX 2015, I noticed the fraud charge was added back onto my account as a " fee. '' After calling BOA, I was informed this was the result of a computer glitch and had happened systemwide. I 've since called customer service three more times and have been told it could take months to resolve. Meanwhile, the charge remains on my account, meaning I have to either pay the fraudulent charge or incur interest on it.
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I have a mortgage loan with citizens one. XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX citizens one charged us a bankruptcy and foreclosure fee. We were current with R I Housing hardest hit home fund. My escrow payments increased significantly since we been paying our mortgage ourselves since XX/XX/XXXX. I asked for a statement and citizens charged us and can see the charge for B/R and F/C. We were under the hardest hit home at the time. I contacted citizens several times and they ca n't explain what this fee is for snd why I was charged. On XXXX/XXXX/XXXX there is a fee of XXXX for misc. B/R and F/C fees. This has caused a shortage in my escrow. We do n't owe these fees this is a mistake on their part that they refuse to correct.