davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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. (CA)

Subject : Request for Assistance in Disputing Fraudulent Inquiries on my XXXX Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving a critical issue concerning fraudulent inquiries on my XXXX credit report, which have arisen as a result of identity theft. Despite my diligent efforts to dispute these inquiries with XXXX by providing multiple FTC identity theft reports and notarized identity theft affidavits, XXXX has unfortunately failed to comply with the Fair Credit Reporting Act ( FCRA ) regulations. The fraudulent inquiries listed below have significantly impacted my creditworthiness and financial standing : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX Removal date XX/XX/XXXX I have already submitted all necessary documentation to XXXX, XXXX FTC identity XXXX reports and notarized identity theft affidavits, clearly indicating the fraudulent nature of these inquiries. However, XXXX has unjustly denied my disputes without valid justification, which directly violates FCRA laws. Enclosed with this letter, you will find copies of the aforementioned FTC identity theft reports. I kindly request the Consumer Financial Protection Bureau to intervene and facilitate the dispute of these fraudulent inquiries with XXXX. It is imperative that these inaccuracies are promptly investigated and removed from my credit report to restore my financial integrity. Please feel free to contact me at ( XXXX ) XXXX or via email at should you require any further information or documentation to assist in resolving this matter.
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

We fell behind on our loan. We worked the Wells Fargo and got a modification. Was good and fell behind again. This time they would not do a modification. After months of back and forth they let us do a short sell. We had a offer and they took too long to approve it and said it was too low. They came back with a number that was too high no one would look at the house and they would not lower it enough to get any offers. So we ask to do a Deed in Lieu which has been taking 6 or 7 months to do. We were told what we had to do and we have done it and they are telling us that there is a lien on the house from when it was refinanced year ago and the paper work was not taken care of correctly and that it could take months or years to straighten out. The whole time this has been going we have been different story 's and they do not responded in a timely manner. Wells fargo does not know what they are doing with in thier own office. This department does not know what that one is doing and they all say something different.
Consumer complaint received 2015-04-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (UT)

In XXXX XXXX I leased a XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. The lease was financed through Ally ( formerly XXXX ). I made my payment every month and did not have XXXX late payment from XXXX. I XXXX and purchased a XXXX XXXX XXXX in XXXX XXXX. I received a letter from Ally XXXX XXXX stating I owed money on my previous XXXX for a sum of over {$1100.00}. I then received a statement stating I only owed a balance of {$540.00}. I contacted Ally and set up payment arrangements to take care of balance. I agreed to pay {$100.00} monthly payments. My XXXX payment was made in XXXX. My XXXX payment was made in XXXX. My XXXX payment was not made because I received a letter from Ally on XXXX XXXX, XXXX which advised me that my balance was paid and my debt was satisfied. My father also being a Co - signer received the same letter as I did. I stopped making the payments. Due to the letter I received I felt that my obligation had been satisfied. In XXXX XXXX, Ally sent me another statement advising me that I still owed an additional {$300.00}. Because of the letter I received from Ally I disputed this amount for several months. Ultimately, I paid the {$300.00} and Ally proceeded to report my account as a charge off to the credit bureau negatively affecting my credit rating.
Consumer complaint received 2015-10-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America failed to notify me in a timely manner that they sold my loan to another company. Bank of America sent me a letter dated XXXX XXXX, 2015 that the servicing of my home loan will transfer. The letter was not postmarked and did not arrive until within 10 days of the XXXX XXXX transfer date. Did Bank of America backdate the letter? Why was my notice not delivered to me with at least 15 days. Was there a delay between printing of the letter and mailing of the letter? If the letter was mailed on XXXX XXXX from XXXX XXXX, XXXX to XXXX and took three business days I would not have received the letter until the earliest date XXXX XXXX. Is n't Bank of America required to notify me at least 15 days in advance. That did not happen!
Consumer complaint received 2015-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Portland Credit Inc (OR)

Portland Credit Inc, also known as Fidelity Collections took exempt funds from my HSA ( Health Savings Account ) and charged a fee for doing so also. In the state of Oregon, HSA accounts are exempt accounts. I submitted a complaint regarding this and also attached my HSA statement with the complaint however XXXX ( the collector ) still refused to honor it and demanded that I go to court to have a judge determine that my funds shouldnt have been taken. I went to court on the XXXX of XXXX 2015 and it was determined that ALL funds must be returned to my HSA account including the erronious fee charged for taking the funds. I still have not received my funds back and I have given ample time for them to comply. I am still being adversely treated by this company and I need those funds to pay for my childrens medical bills. I am also losing interest on my funds not being in my account. Not only has XXXX incorrectly handled my account by not providing federal disclosures or properly verifying my identity when I called before discussing detailed debt information, she has purposely witheld my funds even after being made aware that the funds are exempt and required me to lose wages by having to go into court to show a judge what I 've already provided in my initial CFPB complaint. She has placed a Lien on my property for a debt that is below the amount of XXXX dollars which is not at all how collection agencys treat people with debts. I not only have already had my personal information shared within that company due to my XXXX, but I have been also charged fees that have nothing to do with the debt itself. This company is being extremely and overly aggressive of my debt due to the fact that I have my XXXX and more than likely providing false claims and information about me to make them attack me more aggressively than any other person they are trying to collect a debt from.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

I have set up an account with www.XXXX.com to monitor all XXXX of my credit reports. To my surprise, I have noticed several dozen inquiries that do not belong to me. Please remove these inquiries that were unauthorized. XXXX total inquiries reporting on XXXX. I have included a word document will all inquiry names, address and dates of inquiries for your to investigate and remove.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I perversely reported this I did not make theses changes there are two accounts where both cards was used theses card again my identity was stolen. 

XXXX XXXX XXXX XXXX XXXX {$460.00} as of XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
+ Dispute Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXXXXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

We submitted a Request For Modification ( RMA ) to PNC Mortgage. We fully completed their in-house RMA and the governments RMA form. When PNC Mortgage reviewed the documentation they denied the request on the basis that the non-borrower income was not allowed because they did not live in the subject property. The Borrower : XXXX, a XXXX and his daughter XXXX both attested that they reside in the property. They provided the water bill in XXXX XXXX 's name and the light ( XXXX ) bill also. The PNC Mortgage representative informed XXXX XXXX that his XXXX had to place the light bill ( XXXX ) in her name to prove occupancy. The XXXX bill was then placed in XXXX ( Daughter ) name. The certified non-borrower application was completed as well as the non-borrowers bank statement reflecting the subject property address. 
PNC Mortgage later denied the modification stating that the XXXX account had switched back and forth and the Non-Borrowers {$1200.00} contribution was not accepted because she does not live in the property. The fact is the Non-Borrower and the Borrower do live in the property. To add insult to injury, the Borrower attended a conciliatory mediation with the PNC Mortgage Analyst and legal counsel. The XXXX Judicial Circuit Court stated that ; " the banks representative must attend all mediations with full and complete settlement authority ''. At the conciliatory mediation the PNC Mortgage representative stated he had full and complete settlement authority. But at the end of the hour and a half discussions the PNC Mortgage Analyst declared that before he can make a final decision he has to review the file with the Investor for the loan and it could not take place now. When asked who the investor for the loan was? He stated ; " he did not know ''. That is not full and complete settlement authority. 
Unfortunately, there is no venue for borrowers such as XXXX XXXX to turn to in an effort to cure such flagrant disregard for the rights of borrowers like XXXX XXXX. It seems that at every turn PNC Mortgage changes the rules to confuse, delay and where down XXXX XXXX in an effort to foreclose on his home. Please help.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

My XXXX 2015 statement contained a charge dated XXXX/XXXX/15 from " XXXX * XXXX XXXX '' for {$290.00}. I have never purchased anything from this person or website. I disputed the charge as unauthorized. Capital One replied that the merchant substantiated the transaction and they would rebill me. What was provided to substantiate the charge was a printout of the merchant 's website ( which I did not recognize ) and a copy of the charge billed to the wrong expiration date, wrong cvv code, and wrong address. The only accurate piece of information was my card number, which has n't changed since I received the yard many years ago. 

I did research and noticed that this charge was also made by the merchant exactly one year ago. I did n't recognize it then either and the records show I disputed it and it was removed from my bill. 

I responded to Capital One 's rebill by letter indicating that the unauthorized charge was still disputed, that I never made this purchase, never used any product or service from this merchant, and to advise the merchant to stop billing me. I attached documentation of the previous dispute from a year ago. 

Capital One today sent me a letter saying " your request lacks all of the previously requested information to validate your dispute ''. Please see the attached letter Capital One is referring to. I provided all of the information possible. It is not my responsibility to contact the merchant to beg for a credit for something I never purchased. Capital One claims a {$0.00} fraud liability policy and they have failed to abide by it.
Consumer complaint received 2015-06-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MN)

I have a home mortgage with Ocwen Loan Servicing, LLC.They have been charging me a usurious interest rate in the amount of {$7000.00} ( for one month ) since 2010.They will not explain this nor will they correct it.I think this is illegal and I want it taken off my loan amount and I do not want it to effect my credit.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

A derogatory collection account was made on my credit report after original creditor confirmed my insurance company HAD NOT cancelled my policy and they just forgot to bill them. I was told there would be NO collection action or derogatory marks on my credit report yet I now have a delinquent account. I have called Fidelity multiple times to try and get someone to help but they continuously transfer me to OTHER CONSUMERS by accident. The most recent time this happened was TODAY when I was transferred to another consumer named XXXX XXXX who had also been trying to resolve a matter with Fidelity that was very similar to mine. In addition, for the past couple of weeks, I was getting calls and voicemails from a person looking for someone named XXXX. It turns out the person calling me is XXXX and she was looking for Fidelity as well. She was being transferred to me by Fidelity employees.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2024 I contacted XXXX. XXXX XXXX XXXX regarding a debt that showed up on my Experian credit report that I had never received a debt validation notice about. I called asking for proof of debt to be emailed to me at XXXX. 

After no proof of debt was sent, I filed a dispute with Experian on XX/XX/2024, and followed up with a call, I left a voicemail asking for a call back. 

On XX/XX/2024 I called again to ask about next steps and was transferred to a representative named XXXX, her phone number was ( XXXX ) XXXX. She told me that they did not have proof of debt and due to my filing of that dispute they would be in contact within 30 days of XX/XX/2024, and that my account number for this was XXXX. 

Experian stated that my Dispute results were ready on XX/XX/2024 with report number XXXX, however the day prior I had just confirmed the Debt Collector had no proof of debt. 

I called and left a voicemail XX/XX/2024, after those 30 days to ask for an update, and after not hearing anything I filed an additional dispute XX/XX/2024 stating I received no proof of debt, and the 30 day period had passed for the debt collection company to obtain it. 

On XX/XX/2024 for report number XXXX, Experian is stating that the dispute has been completed and still provide no proof. 

I tried calling again, XX/XX/2024, and it went straight to voicemail again. 
I received a letter dated XX/XX/2024 stating " We previously provided you with the documentation provided by our client to validate their claim. '' Which is false.
Consumer complaint received 2015-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

I applied a mortgage from Wells Forgo in XXXX 2015. It has been a painful two months until I finally got the approval, as they asked excessive documents. Most of them were either trivial or irrelevant, as I have a perfect risk profile, with XXXX FICO, an income more than XXXX times of the monthly mortgage payment, no other debt, and was willing to pay more than 30 % as down payment. I complained to the loan officer several times, and each time WF cameback to ask for more unnecessary documents. Those included : my paystubs from XXXX years ago, all my bank and investment account statements back from 6 months ago ( totally more than XXXX of them ), explanation on every {$1000.00} dollar transfer between my bank accounts, and most ridiculously, proof of residence for some place I lived more than 15 years ago. I have also been asked for my intention for every my credit bureau inquiry in the past year. Overall, it seemed that they were conducting a criminal investigation instead of underwriting a loan. However, it became evident that they never looked at all the documents, as they had asked for some of them repeatedly, sometimes XXXX times during the process. 

Overall I have submitted more than XXXX pieces of documents and it cost me dozens of hours to prepare them. I am relatively financial savvy and very careful about documentation, and even so, the process took almost XXXX months and we nearly missed the closing date. During the XXXX months I have repeatedly asked to talk to the underwriter for her rationale to ask for so much documentation, but never got a response other than more requests. 

In my opinion, whether intentional from Wells Fargo or not, this cumbersome underwriting process has created a barrier for applicants with good risk profile to qualify for mortgages. It will be up to CPFB to decide, whether this practice is across the board, or only targets minority customers like myself. 

I have filed a complaint directly with Wells Fargo, but only received a plain vanilla response letter saying they have done nothing wrong. This was totally unsatisfactory and therefore I am filing this complaint to CFPB.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a victim of fraud. Someone has been using my accounts and check fraud. This has been happening since XXXX I have closed all my accounts. I recently tried to open a checking account, it wouldnt let me until I clear it.
Consumer complaint received 2015-08-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NJ)

My father ( deceased in XX/XX/XXXX ) leased a XXXX in XXXX XXXX $ XXXX month. Being he was XXXX at the time and in failing health he rarely drove the car.. When he passed away my sister and I went to the dealership and advised them - they did n't know how to address the issue of a deceased customer so they got the lease division on the speaker phone. We were advised 'that for deceased customers ' ( their exact words ) all we were responsible for is the remaining lease payments ( XXXX x XXXX months = {$5300.00} ). They would pick up the car and auction it, and anything received above that would be considered 'a wash '. Fast forward to XX/XX/XXXX - I received a statement from a collection agency that {$5500.00} is due!! They did a calculation based on the residual value of the car - rather than the remaining lease payments. I said to the collection agency- why would I turn the car in, knowing that the final bill would potentially exceed the remaining lease payments? We could have driven the car for XXXX months! Hyundai is 'double dipping ' by selling the car PLUS also billing the estate!!! The collection agency actually told me too much- that they hear this from the families of Hyundai lease customers 'all the time '. The rep tried to retract her wording but it was too late! This company needs be brought to court in a class action suit- telling the families one thing when they know the truth is the complete opposite.
Consumer complaint received 2015-06-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

This company, Spring Leaf, formerly called American General showed up on my credit report as owing them XXXX. This company kicked me out of my house at XXXX XXXX XXXX XXXX an sold the house XXXX, than the manager called and said I qualified to a medication, a government HARP loan. they had already sold the I had a XXXX ( documented ) because of their behavior I spent XXXX days in the hospital because of them, this behavior violated my 4th amendment rights to the constitution against illegal search and seizure and my 5th amendment right to the constitutional they paid no compensation during the economical melt down