davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE (IL)

I have been fighting foreclosure since XXXX in efforts to save my home. I purchased the home in XXXX from XXXX, they closed and the loan was transferred and is now being serviced by XXXX. 

Initially the home was puchased with someone, but the relationship ended less than a year later causing the initial hardship due to loss of income in the home. In XXXX we completed a quick claim deed removing his interest in the property. During that time the loan was modified but circumsatances, job loss prevented me from being able to complete it. I am now gainfully employed and could easily afford the mortgage but the arrearage has prevented any positive resolution. 

Because of how long this has been going on, my loan is in default of about {$100000.00} as of XX/XX/XXXX. There was a program in place called the IL Housing Assistance Fund ( IHAF ) that was offering up to {$60000.00} which I was approved for as long as I could bring the past due down to $ XXXX or less. I found an investor, XXXX XXXX who obtained power of attorney in an attempt to negotiate with XXXX  on my behalf. He offered an additional $ XXXX bringing total funds available to $ XXXX to go toward the past due and they would not consider it. 

I was told that they would not give another modification because over the loan I had maxed out but I learned that there is no maximum amount allowed and they still have over XXXX XXXX dollars provided from the federal government that they are required to use and that they are choosing not to work with consumers. 

I did not want to lose my home and have exhausted my resources in efforts to resolve this. Since all has been unsuccessful, I am now attempting to resolve this via a short sale agreement that was submitted earlier this month and so far XXXX has not responded.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (CA)

Request for Equal Credit Opportunity Act Compliance and Account Update Dear Underwriters, I am writing to bring to your attention certain provisions within the Purchase and Sale Agreement dated XXXX XXXX XXXX between Nordstrom , Inc., Nordstrom Credit , Inc., Nordstrom XXXX, and TD Bank USA, N.A. As an individual with a credit account at Nordstrom, I am particularly concerned about the impact of the agreement on my credit extension. I applied and received a denial notice on XXXX XXXX XXXX  which is evidence of discrimination per the Equal Credit Opportunity Act. 

Your agreement defines " Acquired Assets '' to include all rights, titles, and interest in Credit Card Applications, which implies the inclusion of my credit application as part of the assets acquired. Additionally, the assumed liabilities encompass obligations to perform under Credit Card Agreements, including payments and credits, acknowledging TD Bank USA, N.A. 's role as a guarantor. 

I want to draw your attention to potential concerns under the Equal Credit Opportunity Act ( ECOA ). Section 12 CFR Part 1002 ( a ) of the ECOA explicitly states that a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

Considering this, any denial of access to my credit extension with Nordstrom based on the acquisition of assets would be tantamount to discrimination under the ECOA. I request strict compliance with the ECOA and fair treatment in granting access to my extension of credit. 

Furthermore, I formally request, in consideration of the acquired asset for which value has been provided, access to my credit extension with Nordstrom. 

I appreciate your immediate attention to this matter and request written confirmation of the actions taken to address these concerns. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC (CA)

I mailed a check in XXXX from the Title company. It took a month for Total Visa to locate the check and credit payment in full. I also reported the card lost. Total Visa said they would not be replacing my card which was fine. They sent me a letter saying the account had XXXX balance. Then Total Visa opened a new account without my knowledge or permission and began billing me. I paid the bill for a while because I forgot about the letter they sent. They harrased me so much that when I found the letter and compared the account numbers, finding they didn't match, wrote them a letter requesting they correct the records, and issue a refund. and i stopped making payments. Now they have reported this to the credit reporting agencies.
Consumer complaint received 2018-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

On review of my account I discovered Rushmore fraudulently posted a withdrawal of {$45000.00} against my account on XX/XX/18. I've contacted them to resolve, they submitted a research request by their Collections Department, there has been no resolution on this issue. The company does not have a proactive method described to me for follow-up and its incumbent on me to pursue resolution with them. They have not reversed this payment from my account. The withdrawal shows it was made with check number XXXX, I have a blank check with that number in my possession.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (DC)

Per the fcra as a federally protected consumer I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbal per 15 USC 6802.

15 U.S. Code 6805 - Enforcement Subject to subtitle B of theConsumer Financial Protection Act of 2010 [ 12 U.S.C. 5511et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau ofConsumerFinancial Protection, theFederal functional regulators, the State insurance authorities, and theFederal Trade Commissionwith respect tofinancial institutionsand other persons subject to their jurisdiction under applicable law.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (CA)

I was a victim of identity theft from XX/XX/2022 to XX/XX/2022. During that time a lot of accounts were open with my credentials money was stolen from me from everywhere including retirement money bank accounts, XXXX XXXX, XXXX. Venmo, PayPal, etc.. 
PayPal is giving me a really hard time in returning what is mine I have provided two police reports, proof of my incarceration about 10 letters from other institution, showing they have returned my money and found me not guilty of anything, and theyre saying that my phone was used in authorized to do this fraudulent things, which not true when I turned myself to the courses I left my phone in my safe in my room at home.I was in XXXX I DID NOT authorize anything.. 
How can this be when I have provided proof of XXXX, police reports and letters, stating that none of this was my fault from other creditors, they are saying I have exhausted all their time and they wont reopen my case and this is unacceptable. 
I first opened this claim on XX/XX/2022, its been going on now for almost 7 months because of their unprofessional way of doing business, I have been on the phone more than 14 times spoken to so many supervisors that promise me it will be handle and to wait for an email and it doesnt My claim is XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

CHOICE RECOVERY needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that CHOICE RECOVERY Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the deb collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Boich Law Offices (OR)

I keep receiving letters stating I owe {$41000.00} in sales tax to the state of Ohio. The letters are from the law firm of XXXX XXXX, who claims to be XXXX XXXX of what I do not know. Every time I've called to clear this up nobody answers the phone and multiple voicemails have been left with no reply.

As for the debt, the only time I have ever lived in Ohio was the 90 's when I went to college there. I did not have a job during that time, let alone a business. I have now lived on the XXXX XXXX over 20 years and I have never owned a business of any kind, in any state. The letters I keep receiving don't even include my name, just a XXXX XXXX and my apartment address. 

Each time I have left a voicemail I have asked for them to send proof of the debt belonging to me, which is required by state law, and they have never done so. Since I have now received another letter without that being provided I consider this harassment. I have reported this firm to his states XXXX as I have found more info online indicating this is standard practice for XXXX XXXX. Just b/c he has state letterhead does not mean he can ignore collections rules.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was charged a late fee and interest on a credit card that had already been paid twice. I had a continuing balance on a Costco Citibank Credit card. The payment due date was the XXXX day of each month. On XX/XX/XXXX, of XXXX I made a {$1000.00} payment on my balance due. On XX/XX/XXXX, I checked the balance on my card and it was {$6400.00}. Which I paid in full online bringing my account to a XXXX balance. 
On XX/XX/XXXX and XX/XX/XXXX, I incurred XXXX charges of {$620.00} and {$19.00}. And expected these charges to be billed on my XXXX statement. On XX/XX/XXXX, I received XXXX statement from Citibank with payment due XX/XX/XXXX. They charged me a {$30.00} late fee and {$11.00} interest fee, even though I had paid off my bill fully on XX/XX/XXXX, 2 days before the due date of XX/XX/XXXX. 

I called Citibank customer service, and at first the woman tried to tell me that I hadnt paid my XXXX bill, but I told her that I had fully paid my account up early on XX/XX/XXXX, XXXX days early. She told me that I hadnt paid my XXXX payment, but I told here I had paid my bill fully on XX/XX/XXXX. 
I asked to speak to a supervisor and he acknowledged that there is some kind of computer problem that if people pay a bill early, it credits the wrong month if you pay it before the due date and you are charged a late fee and interest. 
Its unfair that consumers who pay their bills earlier then the due date and make XXXX separate monthly payments instead of waiting until the next month, receive a penalty because of a computer software glitch. Consumers are needlessly being charged extra fees and interest if they pay their bill early. 

Citibank did reverse the charges once I complained, but how many consumers didnt know the are being erroneously charged late fees and interest in error if make XXXX payments in a month, XXXX at the end of the month instead of at the beginning of the monthly billing cycle.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The name of the company is Portfolio Recovery Associates LLC the date on the bill is XX/XX/XXXX. Portfolio put a lien on my dad 's home. When my dad died in XXXX the lawyer had to pay Portfolio Recovery Associates to get the lien taking off my father 's house so we could sell it. Now Portfolio Recovery Associates LLC has sent the bill to another collection agency XXXX, XXXX.
Consumer complaint received 2023-10-29
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. (TX)

XX/XX/2023, reported an error of 1st late payment from XXXX XXXXXXXX  due to error from fraud. Dispute was not resolved. 

In XXXX, XXXX late payment reported. I called company to dispute. Nothing was done.
Consumer complaint received 2023-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MO)

Starting in XXXX of XXXX I was Eligible for requesting to remove my private mortgage insurance. They received that documentation and request on XX/XX/XXXX as well as payment for the appraisal to determine value on the home. I have called in 4 times now requesting an update on my application since they had received the payment and request and each time I get notified that the PMI team has been notified and will reach out to me within a week. They have no external number and no one to contact. Each time there has been no response by Caliber home loans. The Company has assured me each time that they will get this resolved immediately, yet it has not been. Due to this I have maid 6 payments starting on XX/XX/XXXX and will have paid an additional {$640.00} in private mortgage insurance. With how unresponsive and dismissive the company has been it feels like these delays are intentional to keep me paying Private mortgage insurance indefinitely.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (NM)

Attempted to settle the debt, they asked for multiple personal details ( rent, dependents, etc ) I refused to give that information. I asked for a manager. The woman was instantly aggressive and began yelling at me. She was yelling that I owe this debt I have to pay it etc. I couldnt get a word in to explain I was attempting to settle the debt, so I got frustrated reacted and hung up. After that they tried to put a duplicate collection on my XXXX credit report, which I had to dispute.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mitsubishi Motors North America, Inc. (FL)

Hello, Mitsubishi motors is reporting an account that is a paid charge-off that is NOT MINE to XXXX. It is someone with a similar name not me. I called Mitsubish several times and they advised it was not my account but that I needed to dispute it with the credit bureaus.

I informed them they were the ones reporting the mistake and they needed to fix it and they were very rude and told me to send them something in writing. I faxed a letter to Mitsubishi on XX/XX/XXXX stating the account number and it was not my account. I also faxed a letter to XXXX on XX/XX/XXXX with the information and they initialed a dispute with Mitsubishi and it came back that Mitsubishi VERIFIED the item! I called Mitsubishi on XX/XX/XXXX and they advised the account was not mine and notified XXXX on XX/XX/XXXX electronically that this account was not mine. I then called XXXX on the same day XX/XX/XXXX and they stated the Mitsubishi verified the item as accurate and placed yet another dispute for the item not being mine.

This has caused me many hours of frustration and financial hardship as I am being denied loans because of this error! The account number is XXXX and it is someone with a similar name. My social is XXXX and dob XX/XX/XXXX.

I need this account removed from being reported to XXXX as it is not my account! Mitsubishi has advised that it is not mine but they are still verifying the item as accurate with the credit bureaus and telling me on the phone they are notifying the bureaus it is not mine! Please fix this!
Consumer complaint received 2018-10-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I DISPUTED A COLLECTION ACCOUNT IN MY CREDIT FIL ( XXXX XXXX ) FOR THE AMOUNT OF XXXX DOLLARS.THE AFOREMENTIONED ACCOUNT WAS DELETED FROM MY FILE IN XX/XX/2018.I DISCOVERED THAT THE SAME ACCOUNT RE-APPEARED IN FILE ON XX/XX/2018.I DID NOT RECIEVE A LETTER OF THE REINSERTION WITHIN THE FIVE PERIOD AS PRESCRIBED BY FAIR CREDIT REPORTING ACT ( SECTION 611 ). THIS IS A CLEAR VIOLATION THAT SAID ACT.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (DC)

Per the fcra as a federally protected consumer I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbal per 15 USC 6802.

15 U.S. Code 6805 - Enforcement Subject to subtitle B of theConsumer Financial Protection Act of 2010 [ 12 U.S.C. 5511et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau ofConsumerFinancial Protection, theFederal functional regulators, the State insurance authorities, and theFederal Trade Commissionwith respect tofinancial institutionsand other persons subject to their jurisdiction under applicable law.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MI)

I learned of this debt by a credit reporting which resulted in my credit score plunging 20 points. American Profit Recovery is breaking the law by : a ) trying to extort payments by placing these alleged debts on my credit report without prior notification. 
b ) utilizing an address that has been invalid in excess of 4 years to send " notifications '', realizing that those " notifications '' were not accurate so that I could dispute it.