davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (NY)

Subject : Formal Complaint Against LCI Consumer Center for Failure to Respond and Furnishing Inaccurate Information Dear CFPB, I am writing to formally file a complaint against LCI Consumer Center, located at XXXX XXXX XXXX, XXXX, CA XXXX, for their failure to respond to multiple correspondence requests I have made and for furnishing inaccurate information to credit bureaus in violation of XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ). 

To date, I have sent five ( 5 ) letters to LCI Consumer Center over a period of 7 months all of which were addressed directly to their po box . My requests included inquiries about the specific information they are furnishing to the credit bureaus and how they are sourcing this data. Requesting they provide proof and update to report accurately and within XXXX compliance guidelines. 

Additionally, the information LCI is reporting to the credit bureaus contains inaccuracies. They have failed to uphold XXXX XXXX compliance guidelines, which require accuracy, timeliness, and the correction of any discrepancies in reporting. Their negligence in providing accurate reporting violates the FCRA, particularly 15 U.S.C. 1681s-2 ( a ), which mandates that data furnishers report information with maximum accuracy. Furthermore, their lack of response also violates FCRA provisions requiring furnishers to investigate and correct disputed information promptly. 

Given LCIs repeated failure to comply with these regulations, I am now left with no choice but to take legal action if this matter is not resolved immediately. I request the deletion of the record from my credit report in its entirety and expect prompt communication from LCI confirming this.

At this point, ample time has been given for LCI to address these issues. I request that the CFPB take immediate action to investigate LCI 's conduct and ensure compliance with XXXX XXXX standards and the FCRA. 

Thank you for your attention to this matter. I look forward to a resolution and the removal of the incorrect reporting on my credit file.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I purchased items using my XXXX account. This XXXX  account is linked to my Bank of America credit card. Later I found out that I got charged the foreign service fee from Bank of America. It turned out they charged this fee because it was a foreign transaction. I was not notified by anyone that I was a foreign transaction. I asked XXXX, vendor, and bank of america to reverse the charge, so that I can use a different card without any foreign transaction fee, but no one was able to help me. I contacted Bank of America more than 3 times regarding this, and visited a local branch once. 

Similar thing happened to me before with XXXX, and XXXX was able to give me a credit back to my account.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (MI)

RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX XXXX  Bankruptcy : Case Number : XXXX Date Filed/Reported : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my nonpublic information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX and XX/XX/XXXX, I notified Capital One and all the credit bureaus that the information being reported was inaccurate. They have not verified the information and by law must remove this inaccurate reporting.which have not. I asked them to produce documents to show that this was my correct account and a pay history showing that I was late in my payments. Nothing was sent to be.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FRAUDULENT INFORMATION ON MY CREDIT REPORTS : US XXXX COURT-XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Finance XXXX XXXX   XXXX Show Details XX/XX/XXXX Automotive XXXX   XXXX Show Details XX/XX/XXXX Banking XXXX   Show Details XX/XX/XXXX Automotive XXXX   Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX FI Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX XXXX XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Automotive XXXX Show Details XX/XX/XXXX Automotive XXXX XXXX Show Details XX/XX/XXXX
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On the XX/XX/XXXX early afternoon PST, I was swamped with around 2000 emails, 999 to my inbox and the balance in junk mail. Whilst deleting those emails I came across one from Bank of America notifying me of a transfer of {$7000.00} from my business account to another BOA customer. I immediately rang BOA and the full story is attached below. While the event has been resolved and the {$7000.00} returned I was appalled by the treatment and complete disregard for the safety of my other accounts that could easily have been compromised during this period.

The only credible assistance offered was by the fraud investigator XXXX XXXX XXXX of BOA, however this was not until after 30 days had elapsed.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

We have had the unfortunate experience of dealing with SLS for five years now. Throughout this entire time, they have repeatedly been non-responsive to letters, phone calls, and emails. They have not filed legal documents on time with the courts and have acted in an unfair and discriminatory manner with us on more than one occassion. We have had to incur legal fees in order to get them to even return a phone call, which actually added to our financial hardship that we were trying to resolve with our mortgage in the first place.

Most recently, pursuant to the request of the attorney for SLS in XX/XX/XXXX, we filed a request for loan modification on our mortgage loan. We had previously filed a request for mortgage assistance in XX/XX/XXXX, which was never acknowledged, responded to or addressed by SLS. Rather, they filed a Notice of Foreclosure and we had to hire an attorney to help us navigate through that. We ended up having to file a Chapter XXXX Bankruptcy to protect our home. During the time the banrkuptcy was being finalized, we continued making our payments in the amount of {$2600.00}, and SLS never filed an proof of claim as required by law. At the very end of the bankruptcy, they filed a Notice of Default and we had to negotiate with them for another several weeks before our bankruptcy could be approved by the courts. They insisted on a monthly payment of {$4100.00} because they would not add the arrearages to the balance of our mortgage, despite the fact there is plenty of equity to do so. We have never been able to make that payment and after discussing this with the attorney for SLS and our attorney, we were told to file a new Request for Mortgage Assistance which would be to lower our monthly payment so we could get our mortgage back in a current status. We did this in XX/XX/XXXX. SLS acknowledged receipt of the modification in three separate letters datedXX/XX/XXXX, XX/XX/XXXXand again on XX/XX/XXXX. Each letter stated they were waiting for information which was out of our control and they would respond as soon as that information was received. We heard absolutely nothing from SLS until we received a letter last Wednesday, XX/XX/XXXX from XXXX XXXX XXXX XXXX  out of XXXX, Texas, advising us of a Notice of Default on the mortgage. There has still been no reference to our Request for Mortgage Assistance filed last XX/XX/XXXX to SLS. We responded to the letter yesterday via fax, express mail and regular mail advising of this situation and requesting our Loan Assistance application be approved so we can get back on track with our mortgage. We desperately need help getting this situation resolved as they are threatening foreclosure.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX and XXXX XXXX, I notified Chase and all the credit bureaus that the information being reported was inaccurate. They have not verified the information and by law must remove this inaccurate reporting.which have not. 

I asked them to produce documents to show that this was my correct account and a pay history showing that I was late in my payments. Nothing was sent to be.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (AZ)

On XX/XX/XXXX, I called Fairway Independent Mortgage Company to inform them that we were filing bankruptcy and that we were going to do a reaffirmation of mortgage with them. We never missed a payment with them and were current with our mortgage payments. On XX/XX/XXXX, the reaffirmation was docketed with the courts. We paid the lawyer, paid the courts and then got a bill from Fairway aka XXXX  for our XX/XX/XXXX. bill that we owed {$120.00} for their legal fees. I inquired about this several times, but not one person would speak to me about this. They referred me to their attorneys who also would not speak to me. Paid the {$120.00} on XX/XX/XXXX -- then saw another {$120.00} added to our billing statement for XX/XX/XXXX. I called and they said we owed {$140.00} now, They could not account for the extra {$15.00} or now another {$120.00}. We were NEVER billed for anything but the original {$120.00}. I spoke to a supervisor today who informed me that we were billed for more legal fees in XX/XX/XXXX. I asked her if this was going to happen every month and she did not know. I asked her why we got no billing statement about the extra {$140.00} and she did not know. I filed a dispute with their company, but I am sure nothing will happen with that. I feel completely discriminated against by Fairway because we filed bk and because we got the reaffirmation agreement. I want to know why we are being gouged for more money when we paid the {$120.00} that we were billed for. How can they continually add on more fees without telling us what they are for?

copy of email from Fairway : Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. If this issue is not resolved to your satisfaction, you may reopen it within the next days. Thank you for allowing us to be of service to you.

Subject First of all, our bankruptcy has been discharged and we have a reaffirmation ...

Response By Email ( XXXX XXXX ) ( XX/XX/XXXX XXXX XXXX ) RE : Loan Number : Dear Borrower, Thank you for your recent inquiry regarding your loan. We apologize that we have been unable to respond to your message within our standard processing time. We regret any inconvenience this delay may have caused.

Please be advised the payment in the amount of {$120.00} was processed on XX/XX/XXXX.

If you have a question and would like to speak with a representative, you can initiate a Chat session by Live Chat, send a secure message by selecting Ask a Question.

Thank you for providing us with the opportunity to assist you.

Sincerely, XXXX XXXX E-mail Support Representative
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (DE)

From XX/XX/XXXX i open account a choice priviledges card with barclaycard, i never had any problems and always pay my bill by auto pay. i previously reported this problem and barclaycard responded XX/XX/XXXX. The letter they sent proof they really are crooks and do not know what they are doing to customers.

I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added walid eyada to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies.

They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account onXX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$50.00} XX/XX/XXXX XXXX XXXX   {$1200.00} XX/XX/XXXX store {$150.00}XX/XX/XXXXXXXX XXXX {$480.00} XX/XX/XXXX XXXX  {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00}XX/XX/XXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX {$3000.00} just to list a few of these fraudulent charges
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am appalled that BofA and XXXX are cancelling their long standing relationships with firearms businesses. 

These cancellations have nothing to do with illegal activity or financial soundness, but rather results from virtue signaling on the part of the banks. 

PLEASE do something to stop this social engineering on the part of the banks and ensure equal access to banks for all legal, constitutionally protected, firms.
Consumer complaint received 2018-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am working in conjunction with Keep Your Home California. I have been approved for {$58000.00} to be paid to Nationstar, dba Mr. Cooper, for my loan # XXXX. I was pre-approved through Nationstar 's HHF division via KYHC. Nationstar was sent an A report on me letting Nationstar know that I had been approved and that the funds would be wired on XX/XX/18 for the payoff amount of {$58000.00}. 
I was told by KYHC that if I do not finalize within 30 days documents that are supposed to be immediately forthcoming from Nationstar my funding will be cancelled. 
I have been trying for over 10 days to get a status on whether or not my funds were received by Nationstar on XX/XX/18, what time, how they will be applied and by what accounting method, what documents they are sending and when, and any other pertinent information so that I can execute on my end and not lose my benefits. 
The Loss Mitigation division does not allow anyone to speak directly to the Foreclosure Prevention division, which is the division that interfaces with KYHC and HHF. I have to go through a customer service person who has to email that division and wait up to 48 hours to get any information to them and another 48 hours for that person to report it to me. THIS IS RIDICULOUS. This is my home and funding we are talking about. 
To date I have received no communication other than a laconic email that said the monies have been received -- no date, no procedural information, and no explanation of documents I can anticipate and their timeliness. I was also given an XXXX number to call my point person, XXXX XXXX, whenever I needed to reach out. I have been dialing this number practically nonstop for the last two days. ( The whole number is XXXX. ) After redialing for 50 to 60 times in a row, the number is ALWAYS BUSY. I even called it just now, at XXXX XXXX Nationstar 's time, and the number is still busy, when callers can not possibly be calling in because they're not open, so I know I am being given a bogus number and the runaround. 
Please do something. I can not risk losing the benefits for which I was vetted and approved and which I need to keep my home.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/17 and XX/XX/XXXX17, I have requested that this authorized user card be removed from my name and from my report. I have no financial liability for this card and do not wish to be an authorized user for this card.
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

I purchased a home in XX/XX/XXXX with a XXXX XXXX. The mortgage was subsequently sold to US Bank. I never missed a payment ; I was never late. My husband died in XX/XX/XXXX. US Bank foreclosed the home in XX/XX/XXXX. US Bank claims there's a 'second mortgage ' on my foreclosed home that was sold with a clear title in XX/XX/XXXX. No one attempted to collect this 'second mortgage ' until after the XXXX for the first mortgage was satisfied in XXXX. US Bank is holding the POB as hostage with a claim to an insurance policy ( held under escrow for {$130000.00} ) to ensure the 'second mortgage ' gets paid. I held an insurance policy on the dwelling until XX/XX/XXXX - US Bank never needs to purchase another policy nor bill me for the policy that was never requested or necessary. I have attempted many times to settle this matter by myself with this financial institution but I have been unsuccessful. I have emailed, mailed, faxed, etc., all my documents ; made numerous phone calls, some that I was disconnected but most had significant wait times and the person on the other end of the phone is always confused about my mortgage. I have wanted to pay this off, clear my name, clear off derogatory remarks from all three credit bureaus and move on with my life. If I pay what they are asking, I will pay XXXX getting a refund. Please help!
Consumer complaint received 2018-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XX/XX/XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XX/XX/XXXX and in XX/XX/XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.
Consumer complaint received 2018-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XX/XX/XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XX/XX/XXXX and in XX/XX/XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.