davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
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. (FL)

I am writing to inform you that I have been a victim of identity theft, which has led to several fraudulent entries appearing on my credit report without my knowledge or consent. These XXXX unauthorized accounts and XXXX inquiries were added without my approval. 

ACCOUNTS - 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 I have already filed a report with the XXXX XXXX XXXX XXXX XXXX  ) regarding this identity theft and am now requesting the immediate removal of these fraudulent items from my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2015-12-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from Green Point Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX XXXX XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX XXXX XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2015-12-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

CASE # XXXX ( MORTGAGE LOAN # XXXX ). 
The response letter dated XXXX XXXX, 2015 from HSBC/XXXX XXXX did not address the problem raised by me. The form for " payoff '' claimed to be mailed XXXX/XXXX/15 by XXXX XXXX and also mailed by XXXX XXXX XX/XX/2015..none of those was ever received. XXXX XXXX, 2015 spoke with XXXX XXXX, who said she was awaiting the return of UNDELIVERED MAIL TO ME. Failure to provide copies of those XXXX pieces undelivered mail with notations by Postal Carrier on envelope citing reasons. 
Failure to also address XXXX XXXX questioning my ability, comparing me with others who may have failed to " payoff '' after receiving statement of high payoff amount. My response to her " why comparing me with others '' ..all of these conversations by phone 'recorded '' for records. She went beyond her bounds questioning my payoff abilities. 
I am claiming a refund of interest {$39.00} for HSBC/XXXX failure to promptly provide the " payoff '' info requested ... that took me XXXX different times ( XXXX by letter/note, XXXX by phone calls. 
XXXX XXXX XXXX 's XXXX XXXX, 2015 letter stated " late fees " in amount of {$42.00} assessed with transaction code # XXXX. Since establishing this HELOC, I was never late making payments.
Consumer complaint received 2015-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Paypal Holdings, Inc (WI)

I sold and item on eBay a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy eBay to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with eBay trying to resolve this and explaining my side and had proof. Then they passed the situation on to Paypal, now Paypal is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and eBay would n't stand by me. They told me it was the cost of doing business. Now Paypal is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or Paypal bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on eBay was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the eBay score I had and never had issues like this and they still did n't give me the benefit of the doubt.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

After using the service XXXX for a few years now to send money to my son in prison and having it charged to my credit card as a regular transaction, no transaction fee, regular interest rate, the Bank of America has recently ( XXXX, 2015? ) reclassifed XXXX as a Money Transfer service so they are now showing it as a Cash Advance item, which is subject to an additional {$10.00} fee AND the much inflated interest rate for Cash Advances. First, no notice was sent that this was happening. Second, it feels predatory on a population of consumers who tend to be the least equipped to take on such additional financial burden - it is the family of the prisoners who pay this fee, not the prisoners who are already being punished. Just to illustrate : My {$100.00} transaction was charged {$6.00} fee by XXXX ( which I was aware of ) then the credit card company charged an additional {$10.00}, then it is treated as a Cash Advance with 25 % interest on the TOTAL amount of {$100.00}, so more than {$25.00} in interest. I 'm not great at math, but I believe that puts the transaction at about XXXX cents on the dollar. The credit card companies do have a choice in how the classify these transactions. Please look into this matter. It is wrong on so many levels. Thank you.
Consumer complaint received 2015-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Convergent Resources, Inc. (WI)

I sold and item on XXXX a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy XXXX to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with XXXX trying to resolve this and explaining my side and had proof. Then they passed the situation on to XXXX, now XXXX is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and XXXX would n't stand by me. They told me it was the cost of doing business. Now XXXX is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or XXXX bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on XXXX was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the XXXX score I had and never had issues like this and they still did n't give me the benefit of the doubt.
Consumer complaint received 2015-12-11
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A. (IL)

I received a pre-paid debit card for {$40.00} when I purchased tires in 2014. I used the card once and still had {$22.00} on it. I moved and misplaced the card. I recently recovered it, and I saw it had expired, I called to see if I could still receive my funds and they told me my card had expired and fees had applied for maintenance and I now have {$0.00} left. I felt this debit card provided not only had a short date on it for expiration, but also that I was charged these fees. This card is produced by citi.com.
Consumer complaint received 2015-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I recently refinanced my mortgage on XXXX XXXX 2015. Wells Fargo was paid off on XXXX XXXX 2015. I am owed about {$2600.00} from them in my escrow account. It is now XXXX XXXX 2015 and I have yet to receive payment from Wells Fargo from my escrow account. I want to know why if I, as the consumer, am late with my remittance on my mortgage, be it a fault of mine or fault of the mail system, Wells Fargo will send me to collection. But if they intentionally sit on my money, by delaying payment to me ( thereby still collecting interest on that money, since it is still in their holdings ) there is no consequence or way that I can get my money back from them. I also feel that in this day and age of instant payments via the internet, it is atrocious to think that Wells Fargo can not remit my money electronically. I feel that this is very unjust to the consumer and that the consumer should have some sort of legal recourse against the banks for intentionally being slow ( there is no honest excuse in the days of electronic banking, especially since I paid my mortgage electronically each month ) to hold on to the consumer 's rightful money as long as possible to reap the benefits of holding it. I do realize that the basic interest rates are extremely low at this point but it is the honest principle that there is no reciprocity in the process between the banks and the consumers. The banks are all powerful and there are no real consequences for them. I would appreciate any feedback you can provide. 
Thank youXXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OK)

some one stole my check books although i was not 100 % sure where or how. i could only assume it happened on XX/XX/2015 when i went to wash my suv. on XX/XX/2015 my XXXX called notifying me someone was trying to cash a check but they would not honor it because the signature did not match with my signature, however my " chase bank account '' not only cashed XXXX different checks with no matching signatures on the same day XX/XX/2015 they would not refund me the amounts stolen and although i filed a police report. chase claimes it was my fault claiming " i substanially contributed to the making of the forgery '' REALLY?!! what is that supposed to mean .. why? didnt chase bank notice the signature did not match .. XXXX not only noticed that the signature did n't match but they contacted me right away to inform me and the thief was unable to get any funds from this account ( XXXX )
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America to determine how I could get current on my account since I have been principally unemployed since XXXX/XXXX/2014. I was told I needed to pay approximately {$3000.00} or agree to a debt consolidation agreement with an outside agency. I explained that I only remain delinquent on this account, which was a joint account that somehow was transferred solely to me. I asked about any other program and I was told no and this was my only option. I was then hung up on. The agent was unaware of the effects a debt consolidation and account closing has on credit and FICO scores. Bank of America is pushing debt consolidation with an affiliate in order to make more money which I believe is an illegal practice. They are refusing to allow me to keep current and has applied {$300.00} in payments to fees which they add every month.
Consumer complaint received 2015-04-20
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ditech Financial LLC (GA)

Green tree has been harrassing me. They call 10x day, called my husband, my mother, my aunt. Green tree has called my business and has disclosed my personal financial information to employees. Green Tree has been abusive in its communications, threatening me and using profanity. I have asked Green Tree to stop calling me and they refused. I am stressed and embarrassed and do n't know what else to do.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I requested an investigation into adverse information posted to my account at Trans-Union. The request was submitted on/about XX/XX/XXXX. The adverse information was related to a contested billing by XXXX. for wired phone services. I closed the account in XX/XX/XXXX and XXXX continued to bill for four additional months after the account was closed. XXXX posted an adverse non-payment notice to my credit agency account for the false billing for the four additional months. This was even though I had submitted evidence from XXXX 's credit proxy, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ( XXXX ) ( Confirmation # XXXX ), agreeing with me that the claim by XXXX was incorrect. XXXX subsequently documented its agreement with me and reported that XXXX 's billing claim was incorrect, to XXXX. I sent documentation ( approx. XXXX pages-attached here ) to Trans-Union depicting this process. 

Trans-Union did not review the documentation. Trans-Union did not conduct a meaningful and detailed investigation into my rebuttal of XXXX 's adverse information that Trans-Union posted to my account. They did not even call XXXX ( no phone number of phone call log information was provided by Trans-Union ) or verify the results of the XXXX investigation. Trans-Union just took the last bill submitted by XXXX and regurgitated it back to my account as evidence that the adverse information was correct. There was no indication or documentation that they investigated my rebuttal. All they had to do was read the information that I submitted ; there was no indication they bothered to do this. The adverse information posted by Trans-Union to my account stating that I did not pay XXXX is incorrect ; I did not owe XXXX for the four months they claim, after I closed my account with them. Documentation that I submitted to Trans-Union contains my confirmation number of the closure. 

Trans-Union must complete a fair and full investigation and remove the adverse report generated for XXXX in my account. This is my XXXX request for a fair and complete investigation ( my XXXX was the written request to trans-Union on/about XX/XX/XXXX noted above ). I would like evidence that Trans-Union has read all the documentation I sent to them and provide a description of the process by which they reached a decision.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) .This CFPB complaint has. been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit report ( ing 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 a personal auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX with account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account, collections, and hard inquires are the result of identify theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Consumer complaint received 2015-04-20
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Levy & Associates, LLC (OH)

I am submitting this complaint on behalf of my son ... my son is in XXXX at the moment do to XXXX several months ago ... my son received a letter dated XXXX XXXX. XX/XX/2015 from Levy and Associates..they were attempting to collect a debt for a total of XXXX ... I immediately sent them a cease and desist letter dated XXXX XX/XX/2015 ... 
I stated in this letter that my son in no way shape or form has XXXX and has a surmounting pile of medical bills due to his medical issues at the moment..he has no income coming in at the moment and literally has no money..and does not need this stress of a debt collector hounding him..the letter was signed by myself and.my son as well with some assistance..todayXX/XX/XXXX XXXX I received another letter from the same business..Levy and Associates dated XXXX XXXX still attempting to collect from my son who is still in XXXX for a tottal of XXXX ... so instead of sending them another cease and desist letter I am filing a complaint with you in hopes of getting this issue solved..
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (HI)

This is in response to Wells Fargo answer to my Case number XXXX I think, due to the size of their file, I can not sbmit my Disputing their reply. Here it is. 
Wells Fargo has lied and what they have done is ILLEGAL. 
XXXX They say they have filed a complete chain of Assignments with the Court BUT : Court Documents filed State of Hawaii Documents filed XXXX. XXXX/XXXX/XXXX Assignment of mortgage XXXX. XXXX/XXXX/XXXX Assignment XXXX Corporate Assignment XXXX Assignment XXXX. XXXX/XXXX/XXXX Assignment grantor/grantee XXXX. XXXX/XXXX/XXXX corrective assignment XXXX. XXXX/XXXX/XXXX corporate assignment ( invalid due to Robo signing ) XXXX. XXXX/XXXX/XXXX corrective assignment Nowhere, in the chain of assignments, do they show that on XXXX/XXXX/XXXX XXXX sold the Mortgage/note to XXXX XXXX and then on XXXX/XXXX/XXXX XXXX sold the mortgage/note to XXXX HOME MORTGAGE. They LIED. Nowhere do they show how XXXX came to own my mortgage/note. 
XXXX TILA was violated in that I was never notified of any of these assignments. 
XXXX The Pooling and Servicing Agreement ( PSA ) was closed when they say my mortgage/ note was transferred into it. Therefore all subsequent assignments are invalid. It is ILLEGAL for U.S. Bank to represent themselves as owners. Wells Fargo dismisses this as nonsense.
Consumer complaint received 2015-04-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Synergetic Communication Inc (NC)

I had a repossession back in early XX/XX/XXXX with a balance of 2100.00. I purchased a vehicle for my sons father and he did n't pay when we split. In XX/XX/XXXX, I disputed the debt after 7 years and the repo was taken off my credit report. Today I received a letter insisting I pay the debt. There are Barr laws in NC. I have n't heard from this debtor in years since I had the debt removed from my credit. It 's been 10 years.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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