davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (DC)

Discover Financial is fabricating documents to support their position that I opened an account with them vs. the account being opened because of identity theft. 

Last summer, I asked them to provide me a copy of the application ; they denied stating that it was on a proprietary system. Earlier this year, I retained legal counsel to address and resolve this matter and my attorney requested several items, including a copy of the application. 

While Discover was stalling my attorney ( and continues to do so ), they mailed me a copy of the application on XX/XX/XXXX ( attached below ). 

On the surface, the text within the text boxes is hard to read ; when enhanced, you can see that they have altered the email field - it looks as if Discover Card attempted to superimpose the email address " XXXX '' over the email address that was originally in the email field. 

If you recall, Discover, as part of their " chain of proof '', claimed that my email address " XXXX '' was used to apply for this account. This deliberate attempt to falsify the application shows that they know this account was opened fraudulently and places their entire claim in doubt. 

This is not the first time they've been made aware of this ; my attorney has provided them with the same images I've provided you. 

This is clear evidence of Discover Card 's fraudulent attempts to defame me. I'm submitting this complaint as the first step to putting their actions on an official public record.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (WA)

My original Home Loan was through XXXX. During the last year, NewRez took over the loan and since has been incredibly difficult to work with and contact. Their customer service lines routinely loop me through menus to where I can not contact anyone. Their online chat features are clearly AI that are not designed to help with any complex or detailed problems. They have 3 different number to call and all loop me through the same menus. Their delay in me contacting them is resulting in my household paying more in PMI month over month while they review when this is money I believe I should not have to be paying. It feels that they are stalling the process to continue to collect money that they should not be collecting. 
NewRez is not the company I chose to have my home loan through but instead I have been forced to use them. If i could have them sell it to another company that cares about their customers i would happily do so.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My friend transferred {$100.00} to my BOA account through the XXXX quickpay on XX/XX/2016, but I did not received it, and BOA agent did not take care of my matter, my friend showed me a letter from XXXX bank state that the money was transferred to BOA. I told BOA agent about this letter. They still did not take care of it. Please help me to find out the money and refund to me. 
Thanks XXXX
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (CA)

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that the companys didn't make sure was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, I find that untrue when there are several inaccuracies showing on my report. 
As a consumer, I request to know all the measures that were taken to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
I have asked the credit berues for their results and they have failed to show proof or delete/update the items I personally told was inacurate.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX XX/XX/XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute of Charge and Request for Refund I am writing to you as the borrower of loan number XXXX to formally dispute an improper charge and request a refund. 
On XX/XX/XXXX, your company imposed a charge of {$440.00} described as " Lawyer Fees Charge. '' This expense was paid by me on XX/XX/XXXX. However, I have no record that this charge is valid or was requested by me according to the terms and conditions of my contract. 
Since the payment was made, I have requested clarification regarding this charge, and to date, I have not received a satisfactory response. The only information I have received is that the matter is under investigation. This delay of over four months without a concrete resolution is unacceptable and does not comply with regulations set by the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX, which govern mortgage servicing and borrower rights. 
Additionally, I am providing proof of the charge, which indicates that it was imposed by your company as " Lawyer Cost Assets '' in an account analysis dated XX/XX/XXXX. This charge of {$440.00} was improperly assessed and included in my account. 
According to applicable law, charges imposed on a borrower must be clearly specified and authorized in the loan contract. In this case, there is no mention in my contract indicating that I am responsible for attorney fees or any similar expenses incurred by your company for managing the loan or the associated property. 
Therefore, I request : 1. Immediate refund of {$440.00} that was improperly charged to my account.

2. A detailed explanation of the nature of this charge and the legal basis for its imposition.

I will be compelled to file a formal complaint with the CFPB and other relevant regulatory authorities. 
Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute and Request for Clarification Regarding Property Insurance - Loan XXXX  XXXX Dear Sir/Madam, I am writing to formally dispute and request a complete clarification regarding the response letter received on XX/XX/XXXX, sent in response to my prior request through the Consumer Financial Protection Bureau XXXX The clarification provided is unacceptable for the following reasons : 1. Letter dated XX/XX/XXXX : I received a letter requesting proof of property insurance, despite already having an active insurance policy from XX/XX/XXXX, with an expiration on XX/XX/XXXX. The imposition of insurance by you before requesting proof is illegal. 

2. Subsequent Letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) MASTER POLICY XXXXXXXX XXXX XXXX XXXXXXXX ). XXXX {$7700.00}. I received a letter claiming that the insurance was about to expire and that there were discrepancies in the property description. On XX/XX/XXXX, I received another letter stating that my insurance was expired and requesting proof of coverage. Finally, on XX/XX/XXXX, I received a second and final notice to provide evidence of property insurance. 
For your information, the insurance policies I had in effect are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX with coverage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite having sent the necessary documentation and payment proof through the online portal XXXX XXXX XXXXXXXX, the issues persisted only with your company. Throughout my history with other mortgage servicing companies, I have never encountered similar problems. 
Therefore, I request that you : XXXX. Confirm receipt and validity of the documents sent, demonstrating that the property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( with mailing address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been insured at all times with the mentioned policies. 
2. Immediately remove any improper charges associated with the imposed insurance and additional insurance, as this imposition was made unlawfully.

I am resending the documents that demonstrate the validity of the property insurance. I expect a prompt resolution to this matter and confirmation that the incorrect charges will be removed. 
Thank you for your attention, and I look forward to a satisfactory response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, the reason of my complaint is that despite citi bank receiving signed 4506 and ssa-89 forms, they closed my credit card. I request to reopen my card, because I sent everything they've requested and they still closed my card
Consumer complaint received 2024-09-03
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Account # XXXX The bank initially put the account on Charge Off status on my consumer credit reports at some point during mid XXXX. Then readjusted the account Charge Off date to XX/XX/XXXX. I have called the bank customer service phone number ( XXXX ) XXXX several times and the phone call always are transferred to an offshore location, mostly XXXX. When the customer representatives answer the phone call always tells me the same information ( The form has not be filed or we have 2-3 years to file the form ). How the bank is allowed to put the account with a Charge Off status without filling the 1099C Form and moreover without informing the customer/taxpayer about the form.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

My account with Regions bank XXXX XXXX XXXX Texas was locked due to verification with address. Which I had already had went into the branch a month prior to XXXX XXXX when my I received email to come in person to open account which I brought my lease supporting documentation for my address along with making {$60.00} deposit I reach out to bank manger XXXX XXXX XX/XX/year> we spoke over the phone and she told me she didnt know what the gentleman did with the copy of my lease he no longer works there I have the correspondence Ive sent her this morning and still no resolution Im getting the run around I may not have millions in theyre bank but Im a customer and I need the little bit of my money to make it to work Ive had to miss work since Saturday due to not being able to go in due to this situation. I just need my money
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (IN)

See attached letter ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To ; Consumerfinance.gov I hope this message finds you well. Recently, I had the pleasure of speaking with a knowledgeable and professional representative from your office. She kindly advised me to put my complaint in writing, so here I am, reaching out for your assistance. 
In XX/XX/year>, I informed my mortgage company, XXXX PHH Mortgage Servicers, that I no longer wished to maintain an escrow account with them. Following this, I received my statement for XXXX and promptly paid {$860.00} for the principal and interest on XX/XX/year>. This payment cleared my bank on XX/XX/year>, as an ACH payment. The TRACE number for this transaction is XXXX. 
However, as you can see from the attached copy of the letter I received, my payment was not correctly applied to my account. This has caused significant distress, as I believe they are attempting to damage my credit with the statement dated XX/XX/year>. 
I am deeply concerned about this situation and would greatly appreciate any assistance you can provide in resolving this matter. Your help in ensuring my payment is correctly applied and my credit remains intact would mean the world to me. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank sold my debt to XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The agency has called me multiple times daily, often using different numbers, and has pressured me into an untenable payment arrangement. I attempted to settle my debt in good faith, offering to pay 50 % of the owed amount in four payments. However, the agency pushed me into an unaffordable arrangement of {$1000.00} in two payments. When I tried to renegotiate after realizing I could not meet these terms, they flatly refused any further discussion. 

Despite my efforts to communicate and negotiate reasonably, XXXX has shown no willingness to engage in meaningful discussions. They rejected my attempts to find a solution that would allow me to fulfill my obligations without undue hardship. Instead, they opted to pursue legal action as a means to pressure me into paying the full amount plus additional costs. 

When the agency initiated a lawsuit against me, they refused to mediate, offering only a " best offer '' of full payment plus court costs. This demonstrates their intent to use the legal system not as a means of achieving a fair resolution but as a tool to intimidate and extract the maximum possible payment. Their actions appear to be motivated by a desire to wield the legal system as a hammer, leveraging the threat of a trial to force a settlement on their terms, regardless of my financial situation or ability to pay. 

As a single mother with a young autistic child, the agencys tactics have caused significant emotional and financial distress. I live paycheck to paycheck, and their refusal to negotiate in good faith has made it nearly impossible for me to manage my finances responsibly. Their aggressive pursuit of legal action, rather than seeking an amicable resolution, has further exacerbated this stress. 

I am requesting that the CFPB investigate XXXX for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding their bad faith negotiations and abuse of the legal process. I ask that the agency be held accountable for its actions and be required to engage in fair and reasonable negotiations to resolve this matter without further abuse of the legal system.
Consumer complaint received 2024-09-03
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: LEXISNEXIS (GA)

I am writing to express my concern regarding the inaccurate BANKRUPTCIES on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DriveTime (GA)

Previously filed a complaint due to in accuracy on credit report.

Company has still failed to report accurate information regarding payment statuses on this account.

Previously did not provide validation of debt within 30 days as required.

I am asking due to the violation of the fair credit reporting act that this account will be deleted as it is not reflecting, accurate statuses.

Creditor has had numerous times to get this correct even under a complaint through the CFPB and has still failed to do so.

Not only was I sold a lemon by this company, but was not even able to return it when I requested to within what they call a grace period that I was told did not exist at the time.

Regardless of them selling me a lemon it is not right that they are not abiding by the current fair credit reporting act.

They have had numerous times to get this account corrected and have failed to do so.

With that being said, I am requesting the account be permanently deleted off my credit report to avoid any legal action.

The creditor must also provide a free copy of the updated report. Which did not happen previously.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (MA)

XXXXXXXX XXXX reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
XXXX and their subsidiary company lake view have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Loan # XXXX I have been consistently making payments for these XXXX loans under the XXXX website first and then under XXXX up until XX/XX/year>. XXXX for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only XXXX to pay the loans. Then, without me receiving any notice XXXX only sold 1 loan # XXXX, to XXXXXXXX XXXX XXXXe apparently in XXXX. When I logged in to XXXX the system advised me they have sold the loans to XXXX XXXXXXXX XXXX XXXXnd they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXX point only showed the loan they had purchased, but not the other loan which I did not know it had stayed with XXXX. When I realized the confusion, caused by their failure to send me notification and the XXXX websites servicing the loans, I logged back on XXXX to make the XXXX payment. This payment was not XXXX effect until a few days past the 30 days due to the confusion. I requested XXXX to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure XXXXXXXX XXXX makes amendments to their policy regarding transferring service notices and the two websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FC HoldCo LLC (SC)

I am writing to formally lodge a complaint regarding the repossession of my vehicle on Saturday, XX/XX/year>. I am deeply distressed by the manner in which this repossession was conducted, as it was done without any prior notice, which is a clear violation of XXXX XXXX  state law. 

I have been making my auto loan payments regularly from my bank account. When I was notified that the payments were not received, I promptly sent out another payment. On XX/XX/year>, I spoke to a representative from your company who informed me that attempts were made to contact me regarding the missed payments. However, I did not receive any such communication, and the funds were indeed withdrawn from my account. 

Despite my efforts to rectify the situation, I was informed that I still owe {$2400.00}. According to XXXX XXXX XXXX law, a written notice of intent to repossess must be provided, which was not done in this case.