davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2016 TD Bank opened XXXX accounts under my name. I did not open these accounts. TD Bank does not seem to have a system in place to prevent this kind of fraud and to make matters worse, I found TD Bank Fraud Department to be uninterested in this situation. I have made numerous calls to TD Bank with no success in resolving this matter. I have also sent via Fed a Letter to TD Banks CEO, XXXX XXXX is to express my frustration for the lack of action, seemingly lack of interest and low level of cooperation from TD Bank to assist me as a victim of Identity Fraud. XXXX XXXX did not respond to my letter. 
XXXX : On Saturday, XXXX, I was checking my bank accounts that I had with XXXX and found that I had multiple withdrawals from XX/XX/XXXX through XX/XX/XXXX. Most of the withdrawals were transfers to a TD Bank Account and I do not have a TD Bank Account. I immediately called XXXX and reported the fraud on my accounts and filed a police report and placed an alert with the credit bureaus. XXXX immediately handled the fraud activity on my XXXX accounts, swiftly and professionally. 
On the same day ( XX/XX/XXXX ) I called TD Bank 's Fraud Department and reported the fraud. I was told to call back on Monday ( XX/XX/XXXX ) and speak to the XXXX XXXX XXXX. I did as instructed and spoke to XXXX XXXX XXXX XXXX ) ... XXXX XXXX took XXXX information and then informed me XXXX accounts were opened on line under my name and both accounts had balances that were sent from my XXXX Account to the fraudulent TD Bank account. XXXX XXXX said she would call me back with more information. When I did not hear back, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and left messages ( still no return call ). I then called and spoke to another Fraud Department Representative, XXXX XXXX ( XXXX ) who indicated he would look in to the issue but again no call back. I have since called several times to XXXX and spoke to different representatives and again no calls back. During this timeline I have received checks, debit cards and statements for these fraudulent accounts ( the checks and debit cards were destroyed ). 
I am still getting statements from TD Bank and as I stated above, my calls to TD Bank have been ignored. 
This has been a traumatic situation for me personally and I am very concerned that there are still XXXX accounts at TD Bank in my name that I did not open ( as I stated earlier I am still getting statements )
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have been disputing an account with XXXX, Equifax, and XXXX  asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. Transunion did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/2017. XXXX and Equifax are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have  attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, Equifax and XXXX has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. Equifax, XXXX, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018 Chase bank made an automatic payment out of my credit union account which they have in file for the amount of {$190.00} despite of have another payment for {$200.00} coming in from another Chase checking account on the same day. I spoke to both banks and the XXXX XXXX XXXX  explained that Chase bank requested a payment and due to not enough fund on my credit union account Chase cancelled the payment. I explained the situation to Chase customer service that the automatic payment was off long ago for more than a year and it was obvious that the payment wasn't meant to be since I had scheduled another payment on the same day. I requested to look at the payment activity that it will be crazy of me to switch on the automatic payment knowing I don't have enough funds on the XXXX XXXX account. Chase only agree to turn off the automatic payment off and say sorry for the insufficient fee from my other bank I have to face for some kind of glitch on Chase end.
Consumer complaint received 2024-11-24
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)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am submitting a complaint about bank of america, XXXX which i submitted earlier but the attachments did not attach and therefore the response from the bank of america attorney stated my claims were not factually sound and they are factually sound and the evidence proves they are. Therefore, I am resubmitting the complaint because the evidence was not attached the first time. Bank of america is responsible for the loss of my home due to a fraudulent foreclosure. They knowingly lied to the DAs and homeowners and knowingly gave defective and falsified documents to XXXX ( among others ) so they could foreclose on homeowners using mortgage notes that had falsified endorsements added to them XXXX, XXXX plus years after they should have been endorsed. This is a criminal attempt to better their record to create after the fact evidence to to falsely prove they, along w/XXXX ( nka XXXX ) are the holders of the notes and mortgages in an ongoing fraud upon homeowners. The attorney also provided a copy of a loan application. THat loan application is different than what bank of america gave to green tree, who mailed me a copy that was different. The XXXX green tree sent to me has an added bonus to salary, an added year to length of employment and has changed the reason for the loan to home improvement. That is not what was given to me at settlement, and the one they sent me should n't even exist as I did not give my permission or did I have any knowledge that someone changed it or of its existence. Bank of america also, through the use of an invalid, void assignment that names a bank that was out of business and taken over by the fdic at the time, and is robosigned, used that as another piece of fraudulent evidence against me which caused me to lose my home. SO they have falsified a security instrument by forging the homeowners name and adding falsified endorsements to falsely show they have to right to foreclose on homeowners that have been nothing but lied to by them. THe CFPB needs to step in and do something to make bank of america fully compensate those that have been injured by these criminals. I am attaching the copy of the note from XX/XX/XXXX that was submitted to the court by BOA attorneys and that note has NO ENDORSEMENTS whatsoever. Those endorsements would have been there in XX/XX/XXXX, yet they are not there in XX/XX/XXXX, they are not there in XX/XX/XXXX per a correspondence sent to me from Bank of america. I am also attaching the signature sheet of what is supposed to be the same exact note as in XX/XX/XXXX, but now there are " ta-da '' endorsements. They suddenly appear in XX/XX/XXXX, 8 years AFTER they would have been there if they were indeed genuine. The difference in the signature of XXXX XXXX is also notably different, proving that bank of america is involved in forging and altering of legal documents and then using those falsified documents as evidence to steal homes.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION (PA)

I had a short sale on a mortgage in XX/XX/XXXX and my mortgage company is reporting to the credit bureaus that I am currently late on a mortgage to XXXX. They reported false information in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX There should be no changes reported since the date the mortgage settled in XXXX. It was reported as currently late again to XXXX in XX/XX/XXXX. Any lates should be removed, this was settled in XX/XX/XXXX per the attached. Stonegate acknowledged their error in the attached letter, yet I cant seem to get resolution.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I purchased my owner occupied home in XXXX XXXX, CA XXXX in XXXX. 
I used 80/20 financing from XXXX Mortgage/Litton. 
I defaulted in XXXX. 
I was negotiating a loan modification with Litton. Later Litton sold the 1st XXXX to Ocwen who modified my loan in XXXX, writing off about {$350000.00} of principal, lowering my loan amount from about {$570000.00} to {$220000.00}. I had to " earn '' this reduction by making timely payments for 3 years, etc. 
Now I have discovered that Ocwen did not eliminate the 2nd ( from the original 80/20 purchase ). 
I believe a case can be made that Ocwen should have eliminated the 2nd at the time of the modification. 
By not doing so, Ocwen effectively transferred the equity/benefit of the Principal Reduction to themselves! I believe it is irrelevant that Ocwen does not own the 2nd : the current holder of my 2nd, XXXX XXXX presumably paid good money to someone for it because they are demanding {$110000.00} from me! So something that had no value was given ( my ) value fraudulently. 
I believe Ocwen was " paid '' by the US Government to provide me with this loan modification because I believe it was the result of a settlement with the US Justice Dept. whereby Ocwen agreed to do penance by offering loan modification to atone for its sins. 
So I believe a case can be made that Ocwen defrauded both me and the US Govt. XXXX/Litton XXXX al is also guilty because someone sold a worthless 2nd that is now worth {$110000.00}. 
The 2nd XXXX had no value before the principal reduction and should have been eliminated if Ocwen had used a modicum of common sense. If they had notified me, I could have negotiated with the 2nd, just as is routinely done in Short Sale transactions were is it almost universally true that XXXX sign off for nothing or close to nothing because if the 1st is underwater and doing a Short Sale, the 2nd is worthless. 
It seems to me that a case can be made that Ocwen had a duty to me because since they were modifying my loan they were in the similar position of a Mortgage Broker or Bank with Superior Knowledge. 
It seems to me this is a possible test case/ class action case. There must be many defective loan modifications out there similar to mine where the banks defrauded the US Justice Dept and the borrower. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Delinquent account — 
Company: Resurgent Capital Services L.P. (AL)

My company, XXXX, had a XXXX card with XXXX bank in XX/XX/XXXX to XX/XX/XXXX. As a result of the financial crises of XX/XX/XXXX/XX/XX/XXXX the company failed and filed XXXX XXXX Bankruptcy in XX/XX/XXXX. This debt was included, and XXXX, as part of the Bankruptcy. XXXX sold off this account to XXXX in XX/XX/XXXX and they were told by myself that this was a corporate, not personal, debt which had been XXXX in Bankruptcy. They, meaning XXXX XXXX, agreed to remove the debt from my personal credit ; which they did. It is now more than 5 years later and all of a sudden it has appeared on my personal credit once again. The first time it was an inadvertent error which they corrected after I filed formal complaints against them with the CFPB and Attorney Generals Office of New Mexico where I was living at the time. However, this time it feels as though it is malicious in nature and nothing more than extortion. They are trying to collect on a XXXX debt that they have been formally advised was disputed more than 5 years after the fact. This is harassment and a violation of my rights as a consumer and also a violation of THE FAIR DEBT ACT. Please help me resolve this matter once more and advise of my rights to seek damages against an out of control collection agency.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status XXXX Days Late Account Status Transferred Account Details Account Type XXXX  real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments XXXX % Worst Pay Status Late XXXX Days Lender Info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : I want this removed they were not my mortgage holders I am currently with Flag star. I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan
Consumer complaint received 2017-03-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Affiliated Group, Inc (OH)

I noticed a derogatory medical reporting on my credit bureau and called XXXX at XXXX EST and spoke with a male names XXXX XXXX He stated this was a debt from XXXX. I advised its a small amount happy to pay but need proof of payment. XXXX state they did n't provide and write letter of PIF. 
I advised need this to confirm I paid off this debt and to whom the debtor was paid off to and for. Rep refused this information. 
I said then in this case I am disputing the debtor per my Right under the FDCPA to confirm the debtor in which I 'm paying and to whom is demanding the debt be paid to. Representative refused. He stated they only have to comply if request is in writing and that I have owed this bill long enough and should need anything further to pay it. 
I reminded him that FDCPA states if requested VOD must be provided if requested. I informed him I would be reporting this to CFPB and requested a supervisor if he will not process vod request. He transferred me to an empty voicemail with no ID. I left a message and am now submitting this complaint. 
also REMOVE FILE FROM MY credit BUREA AND CLOSE BACK TO THE ORGINAL CREDITOR FOR PAYMENT.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (NJ)

In XXXX I opened a company. I had a business checking and savings account with Chase. The business began to make money. Chase offered me a business credit card - just sign here. So I opened card ending in XXXX. There was no attempt to advise me that this business account could - on certain occasion - impact my personal credit history. The business card was reported to TIN XXXX. 

The business held the card from XXXX until the business closed until XXXX. ( See final return ). However I continued to personally pay off the balance of the card after I had moved from XXXX, where the business was domiciled, to XXXX in XXXX. Chase Bank sent promotional offers to my new address. I also received some old business mail, which was forwarded to my new address as well as junk business mail. 

XX/XX/XXXX I was notified by the bank that my payment on card XXXX was 30 days late. The business card which had never been reported on my credit history, all of a sudden appeared on my personal credit report. I had no idea what was going on, just that my score had dropped and this was very damaging. 

I immediately called Chase business services. The Chase Business Services Representative told me that if I paid the balance by XXXX XXXX this would not affect my credit and would not move to a new department which I assumed to mean Collections. He told me that the only instance in which the negative ding could remain on me personal credit history is if the account goes into default. The account was paid in full by the end of the month. See attached copies of confirmation of payment, confirmation of XXXX balance and confirmation of business and not personal account letters from Chase Bank. I have also included the credit reports from the agencies that have failed to delete this entry from my credit report. XXXX has deleted the closed business card ending in XXXX. Unfortunately XXXX and XXXX have not removed this disputed reporting. 

I believe Chase Bank employed several unfair and deceitful practices on me. They failed to advise me of credit risk before accepting their business credit card. They further obfuscated the risk by never reporting the business card on my credit history - leaving me totally unaware of the risks involved. They misadvised me to pay off the card. They flout the law, which only calls for a business card to be reported in the event of a default. I paid the balance of the card off in 2 months. By law, this should have been deleted, as I have requested numerous times. 

I would like to file a report against Chase Bank as well as XXXX and XXXX to have this closed business card removed from my personal credit history. It was never there before and does n't belong here now, especially since it was closed and the balanced paid to XXXX in XX/XX/XXXX.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lockhart, Morris & Montgomery Inc. (MS)

Collection agency, Lockhart, Morris, Montgomery continues to lie about collection of my loan and the threats they made to me and my daughter. I have never said I signed the contract. I never signed the contract. My daughter was not even in the same city when the contract was signed. The contract was emailed to me because XXXX, the salesman had it on a laptop. They claim they did not give me my full social security number and threaten me and my daughter but I have it recorded. They are lying. I can verify this. I also called the company the day the installers came and destroyed my home. I 'm trying to get the phone records now. I told them it was unacceptable. I did not want it. It states in the contract that I had three days to cancel. I also have an email stating the same thing that was sent to the company within the three business days. My daughter is listed on the contract as someone to contact if the alarm goes off and I ca n't be contacted. They only have her name and an old telephone number. XXXX and Lockhart, Morris and Montgomery are liars and scammers. I can verify everything I have said. They forged my signature and my daughter 's.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I paid off my student loan which was being collected by XXXX. They confirmed that they were the collection company servicing my student loan debt. I called to ask about my interest statements for the two years it took to pay off my loan and my payoff letter that I never received. I was told that I needed to contact the post payoff company, Navient Solutions, I called them and told them that I did not receive an interest paid XXXX for either tax year, XX/XX/XXXX or XX/XX/XXXX and I did not receive a payoff letter in XX/XX/XXXX after the debt was satisfied. I have called and spoken to representatives and supervisors of Navient on XX/XX/XXXX ; XX/XX/XXXX and again on XX/XX/XXXX. Each time I was told " we sent it out '' and they confirmed my mailing address provided by my employer and confirmed by me. I am entitled to the benefit of my tax documents and a payoff letter. I was never told who I was speaking with until I specifically asked for the company name and mailing address. I was given Navient Corp., XXXX, PA XXXX. I later discovered through online research, this was not a complete mailing address, the correct address is : XXXX, PA XXXX. Would you please assist me in obtaining my interest statements for XX/XX/XXXX and XX/XX/XXXX and my payoff letter?
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX/XXXX/2017 I received a copy of my free annual credit report. Upon reviewing the report I attempted to dispute some items that I knew where incorrect at XXXX agencies. I went to each dispute online and was told I could not file disputes online. I was given a number and told to call Transunion. I called transunion, Transunion informed me that my was blocked because I needed to update my credit card for my account. I informed them that I no longer wanted the account and they said that I had to put that in writing. Furthermore, that I could not dispute anything on my credit without updating my credit card information. I informed them that it was my legal right to be able to dispute items on my credit report. I was informed that either I update my credit card information or I waiting until I put it in writing before they would allow me to dispute any information on my credit report.