davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

Subject : Request for Documentation Related to Financial Asset Held in XXXX XXXX XXXXXXXX XXXX XXXXXXXX I formally requested documentation and information regarding my financial asset, which I am writing to request detailed information about the handling and securitization of my mortgage loan, originated on XX/XX/year>. I am writing to request detailed information about the handling and securitization of my mortgage loan, originated on XX/XX/year>. Based on recent findings, I have reason to believe that my loan, originated by Atlantic Bay Mortgage Group LLC, was sold and securitized into the XXXX XXXX XXXXXXXX XXXX XXXXXXXX, in contradiction to prior representations made by your institution. 
Key Points of Inquiry : 1. my loan was sold and transferred into the XXXX XXXX XXXX XXXX XXXX with a closing date of XX/XX/year>. This contradicts previous assertions that the loan had not been sold or securitized. 
2. Assignment of Deed of Trust : reveals that no assignment of the Deed of Trust has been recorded in the official records of XXXX XXXX, XXXX 
Please provide information on why no assignment has been made or recorded to date, and what implications this has for the status of the loan. 
3. Proceeds from Securitization : Please provide documentation showing how the proceeds from the sale and securitization of my loan were applied. This includes but is not limited to, any credits or payments received by Atlantic Bay Mortgage Group LLC or its affiliates from the sale of my mortgage note, in contradiction to prior representations made by your institution. 

The involvement of the following entities raises concerns about the securitization and management of my mortgage loan : 1. Documentation of Ownership : Clear evidence establishing the ownership of my mortgage loan within the XXXX XXXX XXXX XXXX XXXX. 
2. Transaction History : A complete history of any assignments, transfers, or transactions related to my loan since its origination. 
3. Securitization Details : Copies of all relevant documents detailing the securitization process, including any agreements related to the management and administration of my loan. 
4. Disclosure of Rights : Information on any rights I have regarding my loan and the securitization process, as well as any permissions or consents that may have been obtained. 
4. Request for Documentation : Pursuant to RESPA and Regulation X or Z, I am formally requesting the following documentation : Full transaction history and all transfers of the promissory note. 
Documentation related to the sale, assignment, and securitization of the loan. 
A copy of any Pooling and Servicing Agreement ( PSA ) or similar agreement that governs the securitization of my loan into the XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
A copy of any endorsement or transfer documents relating to the note or Deed of Trust.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I sell items on resell websites. I listed items for sale on XXXX. I received a message From XXXX stating that I made a sale and needed to enter my bank/card info in order to verify that I in my bank are legitimate. They would then charge a XXXX time transaction that would instantly be reversed. So I followed the instructions and gave my card information. They said I would receive a text from my bank asking if it was me making the transaction and to say yes so I did. They took {$190.00} from my account, but did not reverse the transaction and give my money back like promised. That is when I found out that it was a scam and not really XXXX. I tried contacting my bank ( fifth third ) to dispute the transaction twice. I provided info and proof that it was a scammer and that they were not who they said they were. However, my bank denied the dispute and declared it a legitimate transaction both times. So my account has been negative for about XXXX months now. They will not reverse the charge and give me my money back. They are letting the scammers keep my money.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION ()

I am an XXXX  holding a " Money Market Account '' at Truist Bank and believe the bank is violating the following U.S. laws in its advertisement and management of its money market accounts, that I am able to document in detail with references to specific provisions of these laws : Public Law 97-320, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Depository Institutions Act of 1982, Section 327, amending the Depository Institutions Deregulation Act of XXXX and added to 12 U.S.C. 3503, as the enabling legislation by which banks like Truist are able to offer money market deposit accounts ; the Truth in Savings Act ( TISA ), 12 U.S.C. 4301 to 4310, enacted on XX/XX/XXXX as part of the Federal Deposit Insurance Corporation Improvement Act of XXXX and its damages provisions ; U.S. Code Title 12, Regulation DD ( 12 C.F.R. 1030 ) on Account Disclosures and Advertsing and the legal case, XXXX v. XXXX on the implementation of the statute and 18 U.S.C. 1341, Frauds and Swindles. 

In absence of bank compliance, I ask the CFPB to pursue an investigation and invite other account holders to join in a class action suit. I continue to hope that these steps will not be necessary but have yet to see any indication that Truist recognizes the law or will work towards resolution.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NM)

The current SSN breach of XXXX XXXX. SSN is on the news and the advice to freeze credit is valid I feel but, Experian is using to garner money from users in a very deceptive way. after placing the freeze on an account the actual setting is buried very deep in the website after them asking for money several times. It took me almost a half hour to find it just to verify it was frozen. They want XXXX dollars a month to place a lock on your credit and I see many people being confused and mistakenly signing up for that. I actually wonder if they didn't cause this breach to steal money from people. The other XXXX bureaus are not doing the same thing at all. As a matter of fact XXXX has the easiest to navigate and deserves kudos.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Someone used my Social Security Number and my name to open XXXX  Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and XXXX XXXX  So I got both reports and sent them to the address XXXX asked me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.
Consumer complaint received 2024-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC (OH)

So I am not sure exactly when this exactly started as I wasn't aware of this until XXXX XXXX when I got the notice from XXXX XXXX XXXX. Well I contacted them and of course it a XXXX min wait or etc and I am in construction which being said I can't sit on the phone. Well I left them messages explaining to them that can only speak to my daughter XXXX XXXX no one else beside me as me and my wife sepeterated. We do believe that my ex wife took this out and the person they claim to have been speaking to is my ex brother in law which I didnt give permission. So with that being said I sent them an email notice and I submitted them a dispute the debt claim in mail in email and XXXX but they are still trying to take me to court I filed a continuance with the court because my daughter was in the hospital but they arent stopping the bank garnishment or anything which like I said I didnt authorize this debt so I need help asap. They are one of the most hardest people and rudest people to deal. I have told them I will do whatever I have to do to proof to them that I didnt take the debt out. I don't feel it fair to make me pay for something that I didnt take out. So I hope you all can help me out asap.
Consumer complaint received 2024-10-27
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: Metro Collection Service Inc. (CO)

there are multiple disputes in the credit report that are a result of idenity theft and not mine. however, the dispute for Metro collections for XXXX is just outright wrong. i was protected by the violence against womens act and moved into a new apartment because of a court ordered restraining order : i sent all of those documents to XXXX XXXX, yet i got a response from them stating inaccurate information, that violated privacy laws. I believe this is all stemming from source of income discrimination and that this company has violated my rights under VAWA regulations. XXXX is allowing this discrimination to continue like there eyes are closed to the reality of the situation because they did not investigate properly. Violating both colorado anti discrimination laws as well as the fair credit reporting act.
Consumer complaint received 2024-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (TN)

XXXX XXXX sent final notice ( had only received one prior bill ) regarding final payment for {$230.00} bill from XX/XX/XXXX. I received " final '' bill in XXXX and paid {$20.00} to XXXX on XX/XX/XXXX which they accepted and then sent the bill to a XXXX XXXX debt collector after payment. I lost my job in XXXX, obtained new employment as an educational assistant, worked for $ XXXX and am working on finishing my XXXX XXXX in comprehensive special education. I will graduate in XXXX. I have nearly had to file bankruptcy due to the medical bills and lack of income while going to school, working full time, riding busses to help and taking care of my XXXX XXXX and NOT falling behind on all major bills. To accept payment and then move on to collections over a remaining balance of {$210.00} is not only deceitful, it shows that they do not care to aide nor care of the cost the XXXX XXXX will charge to get that small balance.
Consumer complaint received 2024-10-25
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: Nelnet, Inc. (CA)

On XX/XX/XXXX, I received correspondence from Nelnet Student Loan servicing that my Department of Education Loan ( account ending in XXXX ) was subject to Cares Act forbearance during which I would not need to make payments and no late reporting would be made to Credit Bureaus ( see Cares Act notice ). 

On XX/XX/XXXX, I paid off my Department Of Education loan in full ( see Paid in Full letter ). 

According to my Payment History with Nelnet ( see Payment History ), the forbearance period for my loan ended in XX/XX/XXXX. Subsequently, late payments and delinquencies were reported to credit bureaus when loan payments were not made between XX/XX/XXXX and XX/XX/XXXX ; the account was marked 90 days late ( see XXXX XXXX, XXXX account summary ). 

Nelnet never notified me that my loan was no longer in forbearance prior to XX/XX/XXXX after receiving he Cares Act Notice. The Cares Act Notice clearly states advanced notice was to be provided prior to forbearance period ending. I never received such communication from Nelnet ( see Nelnet Inbox ).

My Nelnet student loan was improperly reported late to credit bureaus and Nelnet and Credit Bureaus have not fixed the problem despite repeated disputes and correspondence.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Shellpoint Partners, LLC (IL)

Hi- I attempted twice to resolve New Rez inappropriately reporting past due information to my credit report. I was advised that nothing would be reported for 60 days following my account being transferred to New Rez from my previous mortgage company ( SLS ). I was advised by a Rep when contacting that nothing was supposed to be reported and this would be corrected. He also asked that I send a message to customer service which I did twice. New Rez has ongoing issues making payments online and thru the app ( also confirmed by Rep ). I have attempted multiple times making payments as recently as yesterday online/ thru app and the issues is ongoing for several months now. These issues collided for me leading to a ding on my credit report. I would appreciate any help your organization can provide. The lack of response and correction has led to my being unable to utilize credit and a reduction of XXXX points on my credit. Thank you
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates , LLC ( PRA ) failed to validate an alleged debt as required by the FDCPA and violated the FCRA.

Without proper validation of the alleged debt, despite twice requesting proof in writing, PRA posted a derogatory collection to my XXXX and XXXX credit reports. 

A copy of the return receipt for the second letter -- dated XXXX XXXX XXXX -- is attached ) to dispute the alleged debt. 

By reporting this alleged debt to XXXX and XXXX, without marking it as disputed, PRA engaged in false and misleading representations, a violation of 15 U.S.C. 1692e ( 8 ).

By reporting unvalidated and inaccurate information to XXXX and XXXX, XXXX violated its obligations under FCRA 15 U.S.C. 1681s-2 ( a ). PRA is required to provide accurate and complete information to credit reporting agencies.

This action has hurt me financially.
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

On XX/XX/2023, I terminated my service with XXXX XXXX and confirmed that there was no outstanding balance. They also sent me an email confirming the same. However, in XXXX, I received a bill of {$110.00} from XXXX XXXX, which I immediately disputed. They acknowledged that there was no balance due. In XXXX, I received a collection notice from Eastern Account System of Connecticut , Inc, demanding the same amount of {$110.00}. Once again, I contacted XXXX XXXX and they assured me that I owed no balance. I also contacted Eastern Account System of Connecticut , Inc. to raise a complaint. 

On XX/XX/XXXX, I received another collection notice from Eastern Account System of Connecticut , Inc . I contacted XXXX XXXX and spoke to XXXX, who confirmed the previous calls I had made to complain about the balance and verified that I do not owe any balance. XXXX transferred me to their collection department to have the collection notice removed. I spoke to XXXX in the collection department, who advised me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) to resolve the issue.
Consumer complaint received 2024-09-11
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

I have requested on multiple occasions to get validation of this account from XXXX  XXXX and requested that the third party they hired to send out information to me in reference to this account.they have ignored me and have been rude and threatened to sue me and which is a violation to my rights. As a consumer I should not be treated with such rudeness. If I am requesting information on account I should be able to get it.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

**Consumer Name : ** XXXX, XXXX XXXXConsumer Social Security Number : ** XXXX **Consumer Date of Birth : ** XX/XX/XXXX **Contents of Complaint : ** To Equifax, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. 

The fraudulent accounts, which must be eradicated without hesitation, are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my XXXX credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. 

Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. 

Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. 

This is a final directive, not a request.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge 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. (NY)

My XXXX XXXX and Citibank credit card information was given to merchant XXXX XXXX online but after a month my Financial information was jeopardized so I closed my bank account and froze my Citibank credit card. In spite of which merchant was allowed to charge Citibank credit card. So I complained and eventually canceled my card. 

However now I'm receiving collection agency letters representing Citibank attempting to collect. I'm being harassed and since I disputed ALL the charges and fees as unauthorized and therefore UNACCEPTABLE. 

Can you please help?
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (OH)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX Subject : Request for Goodwill Adjustment for Late Payment Dear XXXX XXXX XXXX Department , I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding a late payment reported on my account for XX/XX/XXXX. 

Due to [ briefly explain the situation that caused the late payment, e.g., unexpected financial hardship, medical emergencies, etc. ], I was unable to make the payment on time. This situation was an anomaly in my payment history, as I have consistently made my payments on time since opening my account in XX/XX/XXXX. 

I value my relationship with XXXX XXXX and have taken steps to ensure that my payments are made promptly moving forward. Therefore, I kindly ask for your consideration in removing this late payment from my account as a gesture of goodwill. It would greatly help me maintain a positive credit history. 

Thank you for considering my request. I look forward to your positive response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: First Bancorp North Carolina (SC)

i opened a account at first bank XXXX weeks ago, they used chexstystems said i was ok to open a account, was told I didn't need to deposit any funds, and they also stated it was ok to withdraw the funds if i needed them, i still i deposited XXXX dollars, then after waiting for XXXX weeks to receive a bank card, finally received it on XX/XX/year> then i try to activate the card they tell me the account was closed then i try to find out from my branch why the account was closed no one tells me, then they sent me an email stating based on the activity on the account they decided i am not the best fit yet i had not activity on the account, they they state that money was withdrawn from the account which i didn't withdraw anything instead what they done was XXXX profile me and closed my account because i am XXXX American ... that's why my account was closed
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions
Consumer complaint received 2024-09-20
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. (NJ)

This account XXXX  Account number XXXX is not showing on my XXXX and Equifax credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''