davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (FL)

Experian did NOT adhere to the FCRA. The Fair Credit Reporting Act ( FCRA ) is the federal law that, among other rights, gives me the right to dispute incomplete or inaccurate information. The credit reporting company must take certain steps when you notify them of an error. Once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after I've dispute the accuracy or completeness of the information, unless your dispute is frivolous. Experian continues to allow negative inaccurate accounts to reinstate the block that I've already won in disputing with Experian. Experian 's address records reflect the negative credit cards for the address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX. Hence, if I never lived there and then the information is inaccurate and false. Experian 's own address record reflect the same information, then Experian needs to PERMANENTLY block ALL of them even IF these negative accounts tries to reinstate the info back to my report. XXXX XXXX XXXX  Account number XXXX is back on my Experian credit report as well as the XXXX  XXXX XXXX, Acct XXXX XXXXXXXX.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stein Law, P.C. (NV)

Someone obtained a loan from XXXX ( XXXX XXXX XXXX  ) and purchased a XXXX on XXXX I did not open this loan. This company XXXX can give out loans without credit check. Because this debt was not paid, XXXX send this to a law firm Mountain Peak Law Group ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to collect this debt. I got the loan document and it is not my signature, not my cell number, and not my email on the loan.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have paid XXXXXXXX XXXXXXXX a car loan balance in full but the company reported that the loan was paid by the dealer and it shows as a negative remark on the credit report. I have all proofs to show I personally paid the loan from my bank account and I have a letter from XXXX stating I paid the account in full yet they insist on reporting it to the credit bureau as paid by dealer. I have made several attempts to dispute and provide proof and they refuse to correct what the are reporting
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Ref : XXXX Dear American Express XXXX I, XXXX XXXX XXXX the consumer and natural person, was denied credit by American Express when I applied for a Blue Cash Preferred from American Express credit card. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

American Express is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received.

American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m AND 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express.
Consumer complaint received 2017-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

Ocwen Loan Servicing foreclosed on our home XX/XX/XXXX ( this was ratified by the courts the following month ). Since that date we have been working toward repairing our credit, in order to once again have the opportunity to participate in home ownership. We have put ourselves in a position to be pre-approved for a VA loan, but have been denied, because we are still the owner of record for the home they currently own ( XXXX ). We reached out ( by letter ) to their research department in XX/XX/XXXX and received a response dated XX/XX/XXXX. The response said they are looking into our problem and would get back to us within 30 days. We received a second letter dated XX/XX/XXXX, which confirmed what we told them and said that they are in the process of obtaining the deed. Once the deed is recorded they will send us a copy. We waited over two and a half months for resolution, before attempting to find out what progress has been made. We called them on XX/XX/XXXX and they had no answers, but asked us to call them back the following week. We called, once again on XX/XX/XXXX and this time they had an answer. They told us, there was an open water bill that they needed to take care of before they could move forward with the recordation. We were not happy with the " EXCUSE '' and asked to have this elevated. They gave us another number to call, which we called on XXXX/XXXX/XXXX. We explained the problem, once again and was told that they would take care of the problem and we should receive a call back by the end of the week or early the following week ( XX/XX/XXXX-XX/XX/XXXX ). We waited, did not hear anything, so we called them back on the XX/XX/XXXX and they said nothing has changed. They assured me that if they do n't have it resolved by the first of next week ( XX/XX/XXXX-XX/XX/XXXX ), it would be elevated to another level. 
We are at our wits end! Please let us know, if there is anything further we can do to get this resolved. It appears, as if, they have no desire to resolve this issue. If you ask us, this should be illegal, if not criminal to hold folks hostage!!
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NC)

On or about XX/XX/2023, I informed Mr Cooper/Nationstar that my home is under contract and the loan would be paid off on XX/XX/XXXX. I gave them my forwarding address for the refund of my escrow account. On or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have called Mr Cooper to inform them no checks have ever arrived and that I would like my escrow balance wired to me. ( I also talked to my postal carrier and they have been on the lookout for 3 checks that were allegedly mailed to no avail ). I have provided direct deposit documentation along with documentation of my new married name so they can update my account. Nothing has happened as of today. I have been dealing with an amazing lady named XXXX and she has tried so hard to remedy this issue but cant seem to get the proper approval or information in order to reissue my escrow funds. First account services told me that checks were issued on XX/XX/XXXX and XX/XX/XXXX, respectively but now I am being told there was a wire transfer on XX/XX/XXXX that never came. I am have tried all options to get my funds and nothing is working. They never issued 3 checks to me otherwise I would have received at least 1 of them.
Consumer complaint received 2023-11-28
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. (LA)

Company XXXX XXXX XXXX said they were sending a code to remove this suspected fraudulent item masquerading as account to the credit reporting agencies. I contacted experian and the other two reporting agencies and they never removed this fraudulent item they never got the code
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies XXXX, XXXX, and Equifax immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

ChexSystems is posting my personal information. ChexSystems violated consumer law FCRA section 604. Early XXXX i disputed an account ( s ) that does not share my personal address, that has been proven by them. However they verified the account as accurate via their online portal, no validation. so I immediately mailed them back via USPS mail and asked how what this account verified so fast. They did not respond, so i sent a follow up letter on XXXX, asking to have these account deleted because since this account doesnt match my personal information. ( address, etc ) Hence it is erroneous and inaccurate. ( Thats a FCRA issue ) They responded again via the online portal. Then on XX/XX/23, I responded again with a well crafted letter stating that the furnisher of this account share my personal information with my written permission, Chexsystem ignored what i stated about this being a violation on the FDCPA and FCRA 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information. Also, 15 U.S.C. 6801 of the FCRA stating that I have Protection of nonpublic personal information. They responded again with the same response yesterday. I can count 3 violations
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

exact dates and times etc. are not accessible. NYCB personnel are rude and extremely arrogant. absolutely most ridiculous banking experience ever. I opened a new account about 10 days ago. The sign-up process was long and excessively invasive but I persevered and they accepted my initial deposit. About a week ago I could not Log in online or mobile app. I was unable to contact anyone to find out why so I used a Secured messaging to inquire what is problem. XXXX days ago I receive an e-mail requesting a signature validation... So I did it. Yesterday I receive an e-mail stating signature accepted and locks have been removed. Great... not. I was never notified any " locks '' were in place to begin with. AND they lied... I still have no Access as of now today, so after one customer service hang-up, second phone call I was informed I should wait XXXX months to close my account in order to avoid a {$30.00} early closure fee! Please look at the massive pile of complaints online. I was unaware til I started questioning why was I experiencing the worst banking interaction ever!
Consumer complaint received 2023-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I am a victim of fraud / theft. Also, This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate invalidated credit information. Im not liable for this debt with XXXX. I do not have a contract with a collection agency. They did not provide me with the original contract as requested. I demand this account be removed from my credit report.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (GA)

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 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 XXXXXXXX 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, has violated my rights. 

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

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

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.
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

On XX/XX/XXXX, XXXX I had to call Innovative Recovery back due to the first 5 request not being fulfill. I was again transferred to XXXX. I mentioned that I received and email stating that Innovative Recovery received my complaints from the CFPB. I also mention that I have not received letter regarding my payment history or letter or deletion. XXXX gave an email : XXXX to received the documents. XXXX stated they may or may not fulfill my request. All I'm asking is for a letter a deletion and my payment history to a debt collecting. Why is that request questionable? I have the right to a receipt or some documentation of payment. 

Please see the original complaint below. Innovative Recovery sent me a bill on behalf of XXXX XXXX for XXXX. When I paid on line I was offered an about of XXXX which was paid on XX/XX/2021. I did not received an receipt via email, text or mail. XX/XX/XXXX I called Innovative Recovery because the my credit still shows Innovative Recovery as open and due for {$16.00}. I spoke with XXXX and transferred to XXXX who both stated my account was close. XX/XX/XXXX I spoke with manager XXXX who rudely stated your account is close, we don't control the credit reports and hung up. I sent a compliant to the XXXX  with a picture of the open delinquent account as proof it is not close. I never heard back form Innovative Recovery. The company continues to violate my FCRA rights. When I try to call back on XX/XX/XXXX XXXX stated ma'am we've already discussed this. I advise it have not been resolved. XXXX stated my account says paid and satisfied. Again I ask why are you all reporting that I owe XXXX if this is a record line as the call stated in the beginning please explain the XXXX. XXXX XXXX. I have attempted to call several time today and have been sent to messaging service.
Consumer complaint received 2017-04-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

We have a number of accounts with 5/3 bank. The staff always has been aggressive in selling products. In 2004 a loan officer approached us about equity lines. Long story short -- worst mistake EVER. We took out equity lines on our free & clean homes. Appraisals were flawed & the loan officer misrepresented some information. We know now of course we should not have done this!! This was during the wild west lending period. I wish we could say we took lavish vacations or bought expensive cars -- No we put the $ $ back into properties. We have been paying on these lines for 13 years -- we are now in our XXXX 's -- can not sell for what we owe!! We are having an impossible time making these payments. This situation is ruining our health & causing sleepless nights. We would like 5/3 to reduce the balance owed on these properties. Here is the last straw -- I put this all into writing to 5/3 & went to submit & their website said " technical difficulties -- could not submit '' Grrrr PLEASE HELP!!! XXXX & XXXX XXXX
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, Bank of America deposits into my account {$6700.00}. But the actual claims was {$19000.00}. I'm still short around {$12000.00}. The Bank of America still has my fund in the amount of {$12000.00}.
Consumer complaint received 2023-11-28
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: The Law Offices of Mitchell D. Bluhm & Associates (GA)

I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Consumer complaint received 2023-11-28
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: DISCOVER BANK (NY)

On XX/XX/XXXX I pre-purchased a XXXX XXXX for {$5700.00}. This was a purchase for an item that was to be delivered between XXXX XXXX and XXXX XXXX. As time passed and I had not received any updates or information from XXXX, I decided to contact them. To my surprise, XXXX did not answer any of my e-mails, calls, voicemails, or online request forms. 

I began getting worried about a fraud situation, so I decided to start a dispute with Discover Card on XX/XX/XXXX. I submitted all of the e-mails, documents, invoice, etc to the credit card company, and to my surprise, the dispute was denied. 

I contacted the credit card company and they said that they needed some sort of document showing that XXXX did in fact owe me a refund. I explained that XXXX is not responding to any form of communication. I went online and found similar cases with XXXX, where the victims were issued a refund by their credit card company. I sent these cases to Discover Card, and still, my dispute was denied. 

I, as a consumer, feel that I was part of a fraud, and should be protected by my credit card company. 

Please help me.
Consumer complaint received 2023-11-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Unable to use American Express gift card online, Card keeps declining even though it's active and the balance is available, I tried multiple gift cards between {$600.00} and {$1000.00} on major shopping websites like XXXX and XXXX. 
Every time I try make a purchase, the card declines, there's sometimes a 10 cent pending charge when I check the balance on XXXX 
I contacted American Express customer service but they are unhelpful as they keep telling me it's a merchant problem not theirs.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (NV)

My loan was being serviced through Freedom Mortgage ( XXXX # XXXX ). On XX/XX/XXXX I received notification that my loan was being transferred to XXXX  ( XXXX XXXX XXXX  ) effective XXXX XXXX XXXX. In the letter it stated that my loan terms and payment would not change, everything would remain the same except a new servicer would be collecting my mortgage payment. In the letter it restated my loan amount, interest rate, escrow payment, etc. My monthly payment was $ XXXX. 

On XX/XX/XXXX, XXXX drafted {$1400.00} from my bank account. I called XXXX on XX/XX/XXXX to find out why a different amount was drafted, XXXX stated that {$1400.00} was the information they received from Freedom. I asked for their documentation but they said they needed to get additional documentation from Freedom, to confirm the {$1400.00} payment. The XXXX representative mentioned that my escrow account increased but couldn't say what - property taxes or insurance. 

To date I have never received any documentation for my mortgage payment increase from FREEDOM or from XXXX. XXXX stated that they haven't received any documentation, that they are willing to share with me, as to why my payment has increased, but have put in a request from FREEDOM. 

I spoke with XXXX today, XXXX and my account has been sent to an escalation department and someone will be working on my dispute. XXXX stated that they would put a stop payment on my auto draft until this can get resolved. 

My concern is that even if my mortgage payment increased over XXXX XXXXXXXX due to escrow analysis, why was I never informed? That is a direct violation of RESPA. 
Also, what caused a XXXX XXXXXXXX increase? That is a fairly substantial increase.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc. (WI)

the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished MULTIPLE ACCOUNTS that I did not agree upon and i didnt sign an agreement on. A legal contract is signed by two parties XXXX I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collector to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights
Consumer complaint received 2023-11-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (TX)

Back in the year of XXXX the peak of COVID-19, I was approved for a loan at Check N Go for {$4500.00}. Since then, life has not gotten any easier. I have not had any sort of stability which made it difficult for me to receive updates as it pertains to this loan. 

I want to help, and I want to make things right but financially I am in no position to take on an extra monthly expense because I am barely making ends meet. 

On XX/XX/XXXX it was brought to my attention that a creditor was trying to get in touch with me and wanting to seize wages. My being scared from the constant threats to garnish what little wages I have I agreed to a payment arrangement that I genuinely can not afford. 

I am asking for more time and grace so that way I can start making payments towards this loan from XXXX Can you please help?