davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (SC)

I inquired about a refinance with Loan Depot, XXXX, CA. XXXX. inquiring about a refinance. however, I really did n't want to pay appraisal fees, or closing costs, so I told them I was n't interested. They ended up sending me about XXXX pages of paperwork, consisting of an Addendum to Loan Application, Loan Estimate, Closing Cost Details, written list of service providers, Borrower 's Certificate and Authorization, an Attorney Preference checklist, Applicant Information stating the Loan Originator and ( me ) as Borrower, my credit information, South Carolina Regulatory Agency Disclosure, Itemization of amount Financed for Truth-In-Lending, Disclosure Notice, and several other documents. This looks to me like a REAL CONTRACT. I live in a townhome that I bought 2 years ago, and my lender was XXXX XXXX, which has switched over to XXXX I NEVER TOLD THE LOAN DEPOT THAT I WANTED A LOAN. I AM COMPLAINING AS I DO N'T OR NEVER DID WANT THIS LOAN, and have no intention of signing any of these documents. How can this company spend all this time and paperwork and postage on an inquiry??? They have wasted their time and now my time. How do people find out about a refinance if they do n't call and inquire. I thought it might save me money as interest rates had dropped, but it does n't so of course, I am not interested. I finally found their phone number, which is XXXX. XXXX XXXX, AKA XXXX XXXX which is the name this loan is under. They also have a loan number which is XXXX, my email is XXXXXXXXXXXX or you can call me at XXXX, as I did not apply for this loan, what is going on?
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

In XXXX, I purchased XXXX sweater from Bloomingdales for {$22.00} and used my Bloomingdales credit card for the purchase. The payment was due on XXXX XXXX. I made the payment today on XXXX XXXX ( 5 days late ), but I found out that Bloomingdales had assessed the interest fee of {$24.00} on the ENTIRE balance on the card, {$22.00} of which was late and {$310.00} which was NOT late and current in the new billing cycle. When I called them, they were unable to explain why the fee was assessed on the entire balance including the non-late purchase and were unwilling to re-calculate the interest. It is predatory to charge me an interest rate on a portion of the bill that is not late, especially when that interest fee is MORE than the amount late -- it is usury in it 's classic sense.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ASTA FUNDING INC. (OR)

Received copy of letter and motion falsely stated to have been submitted to a civil court with notice of hearing date and time. Contacted court and found that no motion had been submitted to them, but the original case referred in the supposed motion had been filed in a name similar, but different from mine XXXX XXXX, 2006, living at a address in a state I have never been to. Having checked out online Palisades Collections, LLC, the original debt collection company, I found numerous complaints similar to mine which were obviously fraudulent attempts to get people other than the original debtor to pay debts for the sole purpose of protecting their credit ratings and avoiding possible legal action. Please check XXXX
Consumer complaint received 2024-11-11
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 am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have contacted all three credit bureaus by phone and by mail asking them to remove all my old address on file. I believe they were removed and some of them have reappeared. These address are outdated for more than ten years
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I received notice on my credit score service that my Home Depot Citibank card was past due on a {$17.00} balance which had ballooned to {$73.00} in fees. The late and past due bills damaged my credit score. I had never received late notices or billing information from Home Depot or Citibank. This was the XXXX occurrence of the companies required correspondence not reaching me via email, phone or postal mail. A previous similar issue was resolved in XXXX when I informed them that I was not receiving bills. Their representative agreed to waive any additional charges and confirmed my email and mailing addresses so future account correspondence could reach me in a timely manner. This did not happen and I was late and charged for a bill I was n't aware of. 

-XXXX
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report.
Consumer complaint received 2015-09-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Client was sued by Midland Funding in XXXX XXXX on an account stated. Midland Funding, in its complaint, stated that the date of default was XXXX XXXX. It also alleged that defendant last made a payment on the account in XXXX XXXX. When Client asked for discovery, she was provided with XXXX account statements. The final statement, dated XXXX XXXX, XXXX, states a {$0.00} balance. No evidence is provided that Client made a payment after XX/XX/XXXX, other than a single sheet of paper that looks like it was printed from Midland Funding 's own records which simply provides a summary of the account and says that the last payment was in XXXX XXXX. Client believes this case is barred by the statute of limitations and has several other affirmative defenses. There was also no substantive evidence provided that Midland Funding owned the account. 

This case is still ongoing despite the consent order issued earlier this month in which the CFPB was involved and which describes such behaviors as being illegal and directs Midland Funding and its agents to cease its wrongdoing. This case should never have been filed and appears only to have been filed in the hopes that Midland Funding could continue its abuse of our justice system to obtain a default judgment.
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

TO REBUILD MY CREDIT PROFILE. I APPLIED TO CAPITAL ONE CREDIT. APPROVED FOR THIS CARD BUT COMPANY REFUSED TO ACTIVATE THIS CARD. THIS COMPANY INSIST I AM NOT WHO I AM. I HAVE COOPORATED. BUT TO NO AVAIL. SO I SIMPLYH WANT TO CANCEL MY APP. BUT THIS COMPANY WANTS TO CHARGE ME AN ONGOING MEMBERSHIP FEE. I JUST WANT THIS COMPANY OUT OF MY LIFE. PLEASE HELP
Consumer complaint received 2024-08-14
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. (OH)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (CT)

Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law. 

National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of the damaged carpet with a photo copy of a pay stub of the former tenant. 

A pay stub to prove that the tenant was in debt in regards to damaged carpet? 

This sequence of events is in violation of 15 U.S.C.1601 Fair Debt Collections Practice Act. This by far does not come close to validation of debt even after requesting validation by the accused debt holder.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF THE WEST (CA)

Here is what happened : they have refused to deposit this cheque, and refuse to credit my deposited cheques. 

to XXXX., XXXX. 
Here is the email to XXXX it is very explicit in its instructions. Instead of following these or making any attempt to cooperate, XXXX calls me and REFUSES to let me speak. That is beyond aggravating and does not help anyone. She refuses to give me her suoervisors contact, and wonders why I am upset! I have been treated extremely poorly by your bank. And XXXX was rude, hostile, aggressive and condescending. All woukd have been avoided if she had taken the 5 minutes needed to simply READ my email. 

I have now spent 6 hours of my time on the phone attempting to receive my own money. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Fwd : Very upset. 
To : XXXX Cc : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Very upset. 
To : XXXX Cc : I opened up a Bank of the West account about a month ago and have had a lot of trouble getting access to my money. For example a check that I deposited two weeks ago is still debited from my account declared " uncollected '' ... this is a very long time not to cash a check. 

Today in the grocery store I was unable to buy groceries. I called the number on the back of the card but nobody ever answered. 

I called XXXX at the branch I had opened at and she said the card was working fine. I explaind to her that I could not make the purchase. 

I was in the store over an hour and my card never worked. 

XXXX called me back and was very unsatisfactory, not apologizing at all, and not answering my questions or letting me speak. 

I called customer service. he put me through to XXXX who only said that my card is working fine even though I told her that its not. Her she said she would give me a direct number if I had any other problems but she did not give it to me. 

I have a cheque coming in of XXXX. I trust you will not hold these funds for ver 2 weeks like you have been holding on to my other checks. As soon as it is cleared I want you to notify me immediately so I can come in and take all my money and close my account. As clearly you do not want me as a customer mPlease verify that you have received this email, and will notify me the minute that the check is clearedmThank You XXXX XXXX
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was Modified by BOA, the agreement was to make XXXX payments on time, On the fourth payment they were closing out the old loan, took my payment, applied it to principal and then said I had to make another payment and that they could not fix their mistake. I spent two years trying to get it corrected with the help of the local bank and they reversed it and sent an apology letter. One month later they reversed it back, I refused to make a payment for two months until they corrected it and then at that point gave up and started making payments, they then sold the loan to XXXX which is even worse than Bank of America. I have since then caught up on all my payments, but XXXX is trying to charge me XXXX in Late fee 's.
Consumer complaint received 2024-08-14
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The chain of 'Assignment ' is in question for my mortgage ; To begin, XXXX XXXX XXXX the original lender ; then the loan was immediately sold to XXXX XXXX XXXX XXXX ( there is no record of an assignment of the deed that I have seen ). After XXXX XXXX XXXX XXXX 's demise Bank of America acquired loan servicing. XXXX was the tracking vehicle ( based on the 'Original ' Security Deed ) ; then, on XXXX XXXX, XXXX, Bank of America requested that XXXX XXXX prepare an 'Assignment of Security Deed ' from defunct XXXX XXXX XXXX XXXX XXXX Bank of America ( Bank of America had already been servicing the loan for 2 years, by this time ). Under the guise of XXXX, XXXX " Assistant Secretaries '' of XXXX signed the document and then the " assignment '' was sent to the county clerk and recorded on XXXX XXXX, XXXX. 

Furthermore, Bank of America sold the servicing rights for my mortgage loan to XXXX XXXX XXXX, effective XXXX XXXX, XXXX. On XXXX XXXX, XXXX an " Assignment of Security Deed '' was prepared by Bank of America, to be recorded and sent back to XXXX XXXX. XXXX stated in a XXXX XXXX, XXXX letter to me that the loan was still being tracked within XXXX and all assignments would occur there. However, the XXXX ( XXXX ) for HUD stated : " HUD does not work directly with the XXXX system, however mortgagees are not actively using the XXXX system anymore to sign documents and if there are any corrective actions being sought, the mortgagee must correct the issue outside of XXXX. XXXX has to align the title issue with the county clerk. '' Interestingly, XXXX did not send me a copy of the recorded assignment, based on my XXXX XXXX, XXXX QWR ; they only provided the unrecorded version of the 'Assignment '. Also, all the names on the document Bank of America prepared are stamped and the signatures a virtually illegible ( via XXXX some of the names have been noted as Robo Signers ). Upon further examination, the recorded document ( stamped XXXX XXXX, XXXX ) was changed from being sent to XXXX to being sent to a foreclosure attorney ( who requested this address change ). 

When viewing XXXX, Bank of America still shows up as the Servicer and there is no history of assignments. while XXXX was being used. The chain of title may be clouded, because there is no record showing that XXXX XXXX assigned, sold, transferred the deed to XXXX XXXX XXXX and Bank of America 's deed transfer to XXXX looks suspicious, because Bank of America was not sure they were going to Service Release my loan, until they confirmed to me on XXXX XXXX, XXXX.
Consumer complaint received 2015-12-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I get calls from Navient aka XXXX. Today XXXX/XXXX/2015 I have recieved XXXX calls from them demanding payment of a account I handle when I ask to speak with a supervisor its always a hassle. When I ask them not to call me after a certain time due to my work schedule i get told they will call me up to XXXX is there anything I can do
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore Agency, LLC (NY)

i recieve letter dated XXXX XXXX I reply disputed the debt. Never recieved reply back but XXXX month later debt was listed on my credit report. This unfair practices. I disputes the charge only find out the debt was paid XXXX month before it went to collect but the XXXX say it still valid
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX XXXX  XXXX BANK XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX  days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. DOVENMUEHLE/AMERIS BAN XXXX XXXX BANK XXXX XXXX Never XXXX the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2015-06-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

After multiple attempts, this company will not show proof of this debt that suddenly appeared on my credit report. 

They are saying it 's for a lease, but I never signed this lease, nor did I live where it 's saying. I 've been in California. 

It 's not fair that I 'm being held captive for something that does not belong to me.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Credit determination — 
Company: PENTAGON FEDERAL CREDIT UNION (MO)

It appears my ex husband opened a credit card with my name on it without my knowledge. The card was opened on XX/XX/XXXX. It states clearly under where I would sign that I was not available due to I was XXXX. I was never XXXX. Also, my date of birth is wrong on the application. This credit card is showing up on my credit report. He continued to use the card after we were divorced on XX/XX/XXXX maxing the card out.
Consumer complaint received 2015-11-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: United Debt Holdings, LLC (OH)

I took out a loan through XXXX last XX/XX/XXXX. I have been contacted by a law firm in Texas called XXXX XXXX XXXX XXXX XXXX, saying that I owe {$700.00}. I live in Ohio and this company is in Texas. I contacted XXXX, and my debt was sold to United Debt Holdings ... and the debt was for {$500.00}, verified by XXXX, and UDH. United Debt Holdings told me that they sold it on XXXX XXXX to XXXX XXXX XXXX. I never received anything via mail from any of the creditors, let alone from a law office. I was told that I had to pay in whole over the phone or set up payment arrangements, or further action would be taken. The only person who has contacted me from this law firm is a woman named XXXX XXXX. They sent me an electronic agreement to sign and scan back, but on the paper it listed XXXX XXXX XXXX ... which is based out of Georgia. None of this makes sense since I am in Ohio. I have not paid anything, nor did I sign the agreement after cancelling my credit card, thinking it might be a scam. They automatically asked for my financial information over the phone, and never gave me the option of disputing the debt. This law firm has my SSN, address, full name, etc.Since I cancelled my card causing the XX/XX/XXXX payment to not go through, they were proceeding even though I never signed the agreement, I have received numerous messages about how I forfeited the agreement, and further action will be taken without my involvement.