davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

On XX/XX/XXXX I was dismissed by court on being the one responsible to make the payments on the mortgage. The late payment made on the home by my ex husband was on XX/XX/XXXX this is when his payment was made on the mortgage. No other information was given to me by the bank. No registered letters in the mail. No phone calls. This company knew where I was employed. Made no attempts to contact me. House was foreclosed on XX/XX/XXXX without either of our knowledge. Again no contact from the lender. House was sold XX/XX/XXXX for back payments. On the credit report it is showing a Max delq. date of XXXX ( House was sold already ) so this is incorrect. Even shows late payments XXXX through XXXX after the house was sold. If I have no balance on this home why are there late payments showing on my account? Why was I notified on anything involving this home?
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

The problem is two fold. 
First you ( cfpb ) closed the complaint with Experian not addressing malfunctioning phone system, I tried after receiving your closed inquiring by calling XXXX, it still exists. It will not allow you to input menu options then disconnects. 
Second Experian stated incorrect information. Yes I am not employed, I AM RETIRED! I have income. I don't care if I was turned down for this loan. I am upset at the incorrect information and unable to contact. 
I have since my first complaint used automated systems to call banks, credit card companies, government agencies, and retail stores with no problems. The problem is Experian phone system.
Consumer complaint received 2018-09-22
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: WELLS FARGO & COMPANY (PA)

Dear Sir/Madam Consumer Financial Protection Bureau Wells Fargo Card Services made two unauthorized Inquiry - XX/XX/2018 XXXX only - XX/XX/2018 at XXXX and XXXX so i have fraud alert on my credit report with 3 national agencies XXXX, XXXX, XXXX and contact them two time,  sent mail and request to remove this unauthorized inquiry from my credit buy the didn't response, so i'm asking Wells Fargo Credit Services to remove this unauthorized Hard inquiry from my Credit
Consumer complaint received 2018-09-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Citizens Bank, N.A.

XXXX XXXX XXXX XXXX XXXX, RI, XXXX XXXX Formerly XXXX XXXX, XXXX XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation and dispute. I never received anything from their attorney as well prior to the warrant in debt. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. I appear for the hearing tomorrow. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from XXXX to XXXX to appear.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I wrote to the credit reporting agency, disputed the inquiries. The credit reporting agency, informed me that the results are valid. I then contacted the creditors that made said inquiries and they responded that they needed additional information, they were unable to locate with name, address, etc. I received correspondence from a few creditors, stating that they would immediately request removal. I am not sure how the credit reporting agency could claim this to be valid, when in fact the actual creditor has acknowledge an error and requested the inquiry to be removed ( i.e. XXXX XXXX XXXX ; XXXX ) Then the address on record for XXXX XXXX XXXX XXXX, is not a valid address.
Consumer complaint received 2018-09-22
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. (MN)

I am a victim of identity theft. XXXX XXXX XXXX listed on my XXXX, Experian and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX  and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to this matter.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I purchased a car from XXXX of Downtown XXXX from XXXX XXXX a sales representative. Before I even walked in the dealership I had my credit union pre-approve me for the purchase of my vehicle. When I spoke with XXXX I made it clear that I had my loan pre-approved and there was no need for him to run my credit. XXXX explained and assured me that he had to run my credit at least once so they can draft a Sales Contract, he did not make me aware that he will run my credit over 7 different times with different lenders for no reason especially because I was already pre-approved elsewhere. As I was sitting there waiting for the documents to get drafted I got several alerts that someone was viewing my credit, he assured me again that was not the case. Within a week my credit score dropped 20 points and a have 7 hard inquires. 
Ive tried calling and emailing the dealership to ask why they would run my credit without my consent, since no one called me I walked in and finally spoke with XXXX XXXX a manager ( he was of no help ). As a consumer I feel betrayed and lied to, they miss used my social security without my permission for their own gain. After reading online how this affects many people and no one seems to do anything about it, can you please help. 

I've called the creditors and they cant do anything, I've tried making a police report and they said its a civil matter, placed a complain with FTC and they are looking into it.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NV)

Southwest Airlines is running a credit card advertisement on their website that says faster way to earn status register here. It takes you to the credit card application. I have screenshots. XXXX here
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CFS Holdings, Inc (TX)

I was notified from the credit reporting that a loan was applied for from this company. I did not apply for a loan nor have the means to apply. My social security was stolen and I have been trying to resolved the issue. I have no credit in trying to apply for a loan.My account is flagged from all bureaus as alert on my account for fraud.
Consumer complaint received 2018-09-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Our Home Mortgage transferred from XXXX to OCWEN in XX/XX/XXXX. All payments from transfer to date have been made on time, no late fees have been assessed, and all escrow overages have been refunded when due. All this is clearly documented in the statements and payment history on the OCWEN website. However, in XX/XX/XXXX it was identified when applying for a re-finance or modification that OCWEN had been reporting the account delinquent on random months since XXXX. We contacted OCWEN at that time to request that all erroneous late reporting to the ( 3 ) credit bureaus be reversed and corrected immediately. On XX/XX/XXXX after months without resolution I contacted the Office of the Consumer Ombudsman for OCWEN to request an investigation and review to resolve the erroneous negative credit reporting. Again this request went without resolution and on XX/XX/XXXX we received the last communication from OCWEN with refusal to reverse the reporting. This entire process took 6 months without resolution and I am certain intentionally hoping we would just give up. Interestingly, from the time we contacted OCWEN in XX/XX/XXXX with our complaint until XX/XX/XXXX OCWEN reported no delinquencies to the credit bureau. As the stress of this unimaginable and unresolved issue was causing extreme stress on my husband who is awaiting a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) we were advised by our mortgage broker to sit it out until XX/XX/XXXX and we would have 12 months of on-time payments now that OCWEN was no longer reporting them late. In XX/XX/XXXX we again applied for a re-finance thinking we were finally able to get out from under the OCWEN hostage high interest rate mortgage that had depleted our savings and the credit report again showed random late reporting in XXXX, XXXX and XX/XX/XXXX although no change in our on-time payment history. We are devastated that this can continue to happen and desperately need help to resolve this as we truly believe OCWEN is deliberately doing this to prevent our ability to refinance with another mortgage company by intentional errors to delay the process and any resolution. XXXX search provides thousands of reports from other consumers that have the same or similar complaints with devastating outcomes and loss of their homes and credit standing due to OCWEN errors and abhorrent customer service. Additionally, Class action suits and federal restrictions have been levied against them. We refuse to allow this to go on, please help.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I opened an XXXX XXXX credit care for a wash machine. I did research and returned to get the correct washer energy efficient. I was not credited correct. The appliance never shipped. I was told I could not get the proper washer my credit was tied up even though I never received the wrong washer it was cancelled. Citibank N.A. has refused to speak with me and said they can not identify me. I spent two hours at the store this morning. 
I have not slept. I was in tears and Citibank N.A. refused to help me. XXXX XXXX claims they are working with IT to fix the XXXX credit the shorted me to wipe out the cancelled order. I was told the items ship on Tuesday now I have to cancel M.D.  appointments. I have spent all day and night online researching this. I ask the store to call Citibank N.A. back that I was ill and can not keep returning and doing this. I was told to pay XXXX in cent I beleive which I did with ATM card. When I got home I went over the details again and called the store manager and complained that the total first order cancelled was XXXX and only credited XXXX I have suffered severe hardship and this is extremely upsetting. It took me a year to find this place due to ca. housing crises. I have to move from where I lived 18 years in 2014 ill and the place for 3 years did not work out. Like I said it took a year to find this place. I need to rest and get this resolved not treated awful to the point in tears. I do not beleive it is a deliver issues now Citibank later said it take 3 business days to clear up. They gave me the credit card. I can not keep comming back to the home depot. I have medical issues and this is awful mistreatment.
Consumer complaint received 2018-09-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: B & B FINANCIAL SERVICES INC (CA)

I HAVE COMPLAINED TO YOU ABOUT THIS LOAN SERVING COMPANY WHO RECENTLY TOOK OVER MY VA LOAN. XXXX XXXX XXXX XXXX 

THE ISSUE NOW IS XXXX XXXX XXXX HAS HELD UP MY AUDIT REQUEST ON THIS LOAN, I HAVE REQUESTED A FULL AND COMPLETE AUDIT YET TODAY I WAS TOLD XXXX WILL NOT GIVE ME AN AUDIT EVEN THOUGH IT IS THE LAW. 

XXXX TOLD ME THIS MORNING THAT COMPLAINING TO CFPB IS A WASTE OF TIME AS THEY ARE USELESS AND HAVE NO POWER OVER XXXX. 

AS THESE PROBLEMS CONTINUE TO EXIST I NOW HAVE NO DOUBT CFPB IS INDEED POWERLESS IF SO LET ME KNOW SO I CAN USE THE JUDICIAL SYSTEM
Consumer complaint received 2018-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

To whom it may concern, Bank of America ( BOA ) has  increased my mortgage payment for the past 4 months than sold my mortgage to XXXX XXXX XXXX with fees and a higher monthly mortgage payment. I asked XXXX XXXX   to explain the increase in mortgage payment. I was told they did not receive any documents form ( BOA ) only the monthly mortgage payment ; therefore, they could not explain the increase in mortgage payment. 

To provide a little background I purchased my home in XX/XX/XXXX at a fixed 4.25 interest rate currently {$190000.00} balance and a {$60000.00} balloon payment through HUD. BOA inherited my load three months after my closing date. However, BOA wasn't given any documents from my initial mortgage company XXXX. When I requested a home modification in XXXX which I was denied. BOA discovered they didn't have any of my loan documents from XXXX. Therefore, BOA filed some type of illegal court claim to have their name listed on the Deed of Trust. This battle went on for three years ending with BOA giving HUD wrights, listing HUD on my Deed of Trust and me owing HUD {$60000.00} due at sale of my home or at the end of the 30 year loan agreement. This results in me owing more on my home than the market listed value. I'm seeking a mortgage audit to save my home and receive a doable mortgage payment. 

I can be reached at XXXX Thank you in advance for any assistance with saving my home. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-10-03
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. (NJ)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

To begin with, none of the categories fit my problem. 

My deceased husbands car was financed by Capital One. I called today to pay it off, but, after speaking with several reps of the Estates Department over a 6 week period, now, on XX/XX/XXXX, I was advised by a rep to first find out what the requirements were for retitling the car in my state. One of the documents the Maryland DMV requires is a letter from the lienholder giving me permission to retitle the car in my name. Capital One says it does not provide such a letter and the Maryland DMV will not waive the requirement of that document.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Hi, In early XX/XX/2018, I opened Citi checking and savings accounts in response to a promotion they were running. The promotion offered a {$400.00} bonus after you deposit {$15000.00} into combined savings and checking accounts. I never would have opened these accounts had they not offered this bonus. I opened the accounts at XXXX XXXX XXXX XXXX XXXX CA XXXX. The banker who opened the accounts for me, XXXX XXXX, assured me that the offer was attached to my account. 

The terms said you qualify for the bonus after 60 days and it will be awarded within 90 days after that. I had {$15000.00} in on XX/XX/2018, 60 days later was XX/XX/2018, and 90 days later was XX/XX/2018. I have called Citi and used their online chat numerous times to ask what the reason for the delay is, and am always told that everything looks fine and they will " research '' the issue. 

The bottom line is that Citi has not honored the terms of its offer, and I feel like the bank is using deceptive advertising to rip me off. If I did not fulfill my obligation on time to Citi, it would charge me an expensive fee for paying late or overdrawing my account. Shouldn't this bank face a penalty for not honoring its obligation to me as well? 

XXXX XXXX checking account ... XXXX savings ... XXXX
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft and tge following inquires were not performed by me. Please delete the following : 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 )
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have received calls for months from RECOVERY PORTFOLIO. 
All the calls received continue to change phone numbers and I have told them to stop calling and I don't owe anything to anyone. 
THEY CONTINUE TO CALL.. EACH DAY FROM A NEW PHONE NUMBER. 
THIS MUST STOP. 
THIS IS A HARRASSEMENT AND I HAVE CALLED THE LOCAL POLICE, MY CONGRESSMAN.. IT JUST CONTINUES.