davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I received notice back in XXXX  that my mortgage was being released from bankruptcy and that I needed to prepare to start making payments. I was not receiving any notices from the mortgage company because they had my file geared for electronic mail and I never authorized it. I have never filed bankruptcy, so I requested copies of all payments, deed and my primary note. I have been given the run around from Select Portfolio Servicing ( SPS ) for the past 6 months. I have applied for mortgage assistance but have been denied. 

I receive at least 3-4 pieces of correspondence from SPS every day and each of the mail pieces have different dates and very confusing information. This appears to be a tactic being used by this company to confuse the consumer or to make me give up the fight for my home. I have been in my home for 20 years and have requested an audit on the numbers because I purchased my home for XXXX and today I owe XXXX. There is obviously something shady going on with this company. In my research I learned that there are cases similar to mine all over the country and SPS is in litigation with over XXXX consumers regarding similar issues. I am seeking protection under the laws that protect consumers like me. 

My home has been placed up for foreclosure in the next 30 days. I am seeking HELP!
Consumer complaint received 2024-08-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION (GA)

On XX/XX/year>2024 I filed a quit claim deed to revoke power of attorney from M & T Bank but they refuse to drop the auction even tho they don't have any power of attorney over my property..
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (PA)

XXXX COUNTS OF FCRA VIOLATIONS REMEDY : COMPENSTOURY DAMAGES, PUNITIVE DAMAGES ( {$200000.00} ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. See company willfully and negligently verifying the inaccurate account for XXXX 24 months. For the last time please take a look at my attachment and follow along : Item XXXX XXXX XXXX XXXX XXXX REFORTING TWICE ITEM XXXX XXXX XXXX XXXX Reporting twice with different payment dates for the same account number. ( see exhibits ) XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice also with different closing dates and date of last payment. Such as Account closed on XX/XX/XXXX, The same account closed again on XX/XX/XXXX and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? XXXX, XXXX and XXXX are also liable and in violation. 2. How can you say you call the company and verified reporting inaccurate information for 36 months of disputes? XXXX. How can you close the same account twice at the same time on a credit report with different closing dates? ( see credit report exhibits ) This is inaccurate and a violation of FCRA laws. I now have enough 36 months credit reports and responses from all XXXX, XXXX and XXXX to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully and negligently refuse to remove the inaccurate information from my credit report. If they fail to remove these two items for my credit file by XX/XX/XXXX i will move to file a FCRA complaint in XXXX court where i will ask for compensatory and punitive damages for {$200000.00} for the damages this inaccurate reporting have caused me for the past 36 months. The CFPB can verify my many disputes regarding this matter and the company responses which i also intend to use as exhibits in my lawsuit if filed. For the last time i urge you to take a close look at the attached file/credit report showing the FCRA violations mentioned.
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

Berlin Weeler , Inc continues to send me communication regarding a debt I never owed. I have already disputed the amounts and proved that I paid my final cable bill with XXXX XXXX. I have now been sent correspondence at my job and I would like to take legal action.
Consumer complaint received 2023-05-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dear Equifax, Please remove the following accounts from my credit profile as I am not responsible for the accounts, I am only an authorized user of these accounts and I am not responsible for these debts. I have disputed these accounts on multiple other occasions, and you keep saying they belong to me and will not remove them. Then by you refusing to remove these accounts from my credit report you are ruining my credit score and not reflecting an accurate representation of my true credit worthiness and are in violation of the Fair Credit Reporting Act, section XXXX XXXXProcedure incase of disputed accuracy. Your agency continue to fraudulently assert that this is not an authorized user account, that it is in fact mine, and that the information is factual, which is inaccurate, even though the other major credit reporting agencies have already deleted both of the accounts mentioned in my first notice of dispute. It is now clear that your organization violated the Fair Credit Reporting Act 's regulations by failing to undertake a proper investigation after being notified of this issue on multiple occasions. I demand that you delete both of the accounts at once ; otherwise, I will be forced to escalate this issue to the federal level. The following accounts in dispute are listed below.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (VA)

Received a bill from my county treasurer stating that XXXX of the XXXX parcels of land my house sits on was unpaid and delinquent. The taxes had been due on XX/XX/XXXX, but XXXX XXXX was willing to waive penalties if they were paid by XX/XX/XXXX. 

I called Truist Bank, my mortgage provider, on XX/XX/XXXX. They stated they would investigate and pay it, and they would notify me once they had done so. 

On XX/XX/XXXX, roughly a month and 5 days later, I checked online to see if the taxes had been paid. They had not. So, I called the county to see if they had received anything from Truist. They had not. So, I called Truist again. This time, I had significantly more difficulty getting anywhere over the phone, so I went into the local branch to talk to someone in person. They stated they couldn't do anything directly but that they would call the mortgage department on my behalf and get back with me. 

XXXX days later, I went back to the branch to talk to them. They stated they were having trouble getting in touch with the mortgage department and would get back to me when they had more information. They seemed irritated that I had come back so soon, but it was the XXXX and I was concerned about accruing penalties. I left and they called me later that day to inform me that payment had been sent on XX/XX/XXXX. 

It is now XX/XX/XXXX and the property taxes are still unpaid and penalties have accrued. 

This is not the first time I have had this issue. Truist failed to pay the taxes on a different parcel for the same property late last year. After receiving a delinquent tax bill and contacting them on XX/XX/XXXX, they paid the delinquent taxes on XX/XX/XXXX. However, this time, they are giving me significantly more difficulty and are taking significantly longer to resolve the issue.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MI)

Dear CFPB, I am writing to file a formal complaint against Wells Fargo for wrongfully closing my credit card account in XX/XX/year>. Despite being a responsible customer who has never missed a payment, I found my account closed due to a payment issue that arose from a fraudulent incident. On a XXXX afternoon in XX/XX/year>, I made a payment of 25 % of my credit limit, believing all was in order. Unfortunately, my check bounced due to fraud, leaving the funds unavailable. XXXX days later, after resolving the issue with my bank and reapplying the funds to my Wells Fargo credit card before the due date, my account was abruptly closed by Wells Fargo XXXX after the payment did not clear ( XXXX business days, not XXXX weeks not XXXX  months, XXXX business days ), citing misuse of the card. Wells Fargo claimed that a {$2000.00} payment in XXXX and a {$50.00} payment in XXXX did not go through. However, aside from the {$2000.00} payment affected by fraud, my payment history has been impeccable. I even have a mortgage with Wells Fargo, underscoring my reliability as a customer. Despite my efforts to rectify the situation and plea with Wells Fargo to reconsider, they declined to reopen my account, causing a significant drop in my credit score by XXXX points across all three credit bureaus. Furthermore, the closure of my cash back card meant that {$25.00} in cash back rewards remained unapplied, which I rightfully earned. In light of these events, I am deeply troubled by Wells Fargo 's actions, which have not only damaged my credit but also left me feeling disregarded as a valued customer. Given the impact this has had on my financial standing and the apparent injustice of the situation, I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter and seek resolution. I appreciate your attention to this issue and hope that your intervention can help rectify the situation. I have now after reaching out to a legal firm, they have ask me to open another case in attempt to re-open the account, after the team reviewed my case, they inform me that I indeed have a great case against Wells Fargo, for the purpose of the last payment mishap was due to fraud and upon looking into the credit card account documentation. They have found substantial evidence, and they are looking forward to taking on this case if Wells Fargo does not do the right thing. They also wanted me to point out this is not the first time Wells Fargo have provided the consumer a injustice and cost a consumer a great harmful hit on their credit score, I stated the first one that Wells Fargo was not true if the payment was tried again the next day from Wells Fargo and was completed, the second payment did not clear because of fraud. Thank you for your time and assistance in advance. Sincerely, XXXX
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I was XXXX in XXXX of 2019 and was transfered to The Colorado Department Of Corrections in XXXX of 2019. I will provide that info in this complaint. I was XXXX  when this auto note was taken out. I have NO KNOWLEDGE or did I give ANYONE permission to open an account. I tried to Call the dealer XXXX XXXX XXXX on XXXX XXXX XXXX here in XXXX Co who was given to me by Cedit accepatance. Low and behold this dealership is NO LONGER IN BUSINESS. 
I have been trying to dispute this account since I was in prison with NO luck. SO here I am now trying to resolve this issue. 
XXXX is where I can be reached at
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under XXXX XXXX. XXXX, Section XXXX, I have the right to privacy. Additionally, XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ), specifies that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, pursuant to XXXX XXXX. XXXX ( b ), a creditor XXXX not treat a payment on a credit card account under an open and consumer credit account as late for any purpose. 

These violations have adversely affected my credit report and my rights as a consumer. I request immediate rectification of these issues and appropriate actions to prevent future occurrences.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My business acct, personal, and savings were drained by a hacker of XXXX. Wasn't notified by bank until 2 days later. Was told by my personal banker everything was stopped and $ would be returned. Even wrote it.Wellsfargo says they are not responsible for XXXX {$25000.00} transfers. And I am cleaned out. 
it's all I had XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit 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/24 I verbally agreed to make $ XXXX  monthly payments to Capital One to bring my credit card account current starting on XX/XX/XXXX. I was told once the card was in good standing that I would be able to use the card again. The account is in good standing and is still restricted. I called Capital One on XX/XX/24 and asked why the account is still restricted and was told that it is permanently restricted because on XX/XX/XXXX it became 120 days past due because I was not making the minimum payment amount. I explained that I agreed to the $ XXXX  monthly payments because I was told if I brought the account current I would have access to using the card again. I was told No thats not the case of the agreement that I agreed to. I have asked for a transcript of the phone call because I want to hear what I verbally agreed to. Im being told No thats they dont provide customers with access to the recorded calls. I explained to the supervisor XXXX that I would have never agreed to the arrangement the way that he explained it and had I have been told that the arrangement would not have any bearing on the restriction being lifted and wouldnt keep my account from being 120 days past due I would not have agreed to making the payments in that amount. 
I wanted to do {$40.00} - $ 50 monthly payments but the representative that made the arrangement coerced me into the higher payment telling me that once the account was current I would have access to using the card again. 
I just want a transcript of the phone call so I can see or hear exactly what I agreed to.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have continuously disputed the following accounts which occurred due to the Equifax Data Breach. XXXX XXXX  ( not mine/identity theft ), ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not mine/identity theft XXXX XXXX XXXX XXXX ( not mine/identity theft ), there are numerous inquiries which I disputed repeatedly and they remain on my credit file. I supplied the FTC Identity Theft Affidavit, Police Report and verified my identity multiple time over three years. Equifax still will not properly investigate the matter and remove the inaccurate negative accounts which occurred due to the Equifax Data Breach.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$200.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX  XXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-02
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: Experian Information Solutions Inc. (MO)

My account with XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX, DEPT OF EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I am writing to dispute the information related to account # ( XXXX ) on my credit report. Following the completion of your recent reinvestigation, I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information. 
As a natural person exercising my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you refrain from using any stall tactics in response to this letter. I look forward to your response within 15 days upon your receipt of this letter.