davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (SD)

I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.
Consumer complaint received 2017-01-31
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

Hello my name is XXXX, my husband and I have a XXXX that we financed through SANTANDER CONSUMER USA. We got this truck back in XXXX. In XXXX I became ill and had to stop working leaving all the bills on my husband. On XX/XX/XXXX the truck was repossessed. Santander gave us ten days to get it back and get it back in good standing. This past XXXX XXXX my husband and I where trying to get a house only to find out that they had charge this loan off as a bad depth after we paid to get the truck back. Since then we have nweot been able to make any major purchases because of this. The truck is still in our possession and we are still making payments. This account has been charged off for two years
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MD)

On XXXX XX/XX/XXXX I sent the dispute letter to the collection agency and I still have not have not heard from them, so In addition I want to write another letter as shown below to dispute the debt. 


YOU ARE IN NONCOMPLIANCE OF THE FAIR DEBT COLLECTION PRACTICES ACT It is a fact that Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) to eliminate abusive debt collection practices by debt collectors and to protect consumers like myself against debt collection abuse. Your company is using abusive, deceptive, and unfair debt collection practices which has contributed to the invasion of my privacy. 
I did not give your company consent to communicate with any person including the consumer reporting agencies any of my private information which includes information on the above referenced account. It is not permitted by law for your company to communicate with the consumer reporting agency as I did not give written instructions for you to have permissible purposes to furnish any of my information. 
Since, I did not consent to you have my private information which includes identifying information such as my name, address, and account number, your company has committed aggregated identity theft which is punishable under 18 U.S. Code 1028A.

You have invaded and breached my privacy which violates The Privacy Act of 1974. 
I am instructing you to delete my private information from your company files, delete this account from my consumer report with XXXX, XXXX, & XXXX and cease all abusive and deceptive collection attempts immediately. 
You have 10 days to request for this information to be deleted from my consumer report. 
Failure to do so will result in me taking legal action against your company for damages, willful noncompliance, privacy breach and much more.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This letter is a formal complaint against XXXX XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (CA)

I worked for 1 company over 8 years. Every check deposited was on hold sometimes for 2 weeks or sometimes for 1 week. Which in turn caused me to overdraft living paycheck to paycheck. I was told several times to call my home branch and even then they gave me a hard time to clear a check from payroll. Which I am now in collections from a delayed deposit which I received multiple overdraft fees.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (DC)

I have made a complaint with CFPB, with the right result to remove/delete XXXXstudent loan from off my credit report due to improper use. If CFPB agreed that it should be remove why is it still on my report..Here is the complaints ID XXXX XXXX, XXXX Experian and XXXX XXXX which is still open. This is the same student loan that was supposed to be remove and not renamed. 
I Have never sign anything I have no knowledge of that account and never made a payment like they have stated. Wrong and inaccurate information is a cause to be remove again..
Consumer complaint received 2016-10-09
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (MD)

This is not a complaint per-se. This new case is submitted merely out of our need to have this matter mediated / witnessed by a third party ; based on previous interactions with Ocwen. 

We see that the latest notification letter received, dated XXXX XXXX, 2016, attached to the current agreement for the short sale, gives 14 days from its date of drafting for homeowners to apply for the HAMP in lieu of finalizing settlement on the buyer 's purchase. We foresee being able to assume the HAMP loan in the very near future, after we are placed in the jobs we now seek, with the provision of the payments not being substantially more than what they were quoted to be in the XXXX XXXX, 2016 offer. 

Though our MD HOPE Program attorney, XXXX XXXX XXXX of XXXX, XXXX and XXXX XXXX, has been absent from work for a few days because of some pressing concerns of his own ; he is still very much in charge of our dealings. However, we are launching the request to cancel our short sale through this venue and the other corresponding method in the interest of time. He will resume administrating our affairs shortly, and again ; all correspondence from Ocwen and its associates must pass to us THROUGH XXXX XXXX. 

If we have signed something which binds us to the settlement we will call on the fact that we are still within the 14 allotted days for changing our course. The ultimate objective of this arrangement ( which is under the auspices of the HAMP / HARP program ) is to help the homeowner keep home ownership if at all possible. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-06
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: WELLS FARGO & COMPANY (IL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

At some point years ago, a fraud alert was placed on my account with Experian. As a security measure they placed my phone number on the alert, making it impossible for me to be approved for credit unless I receive a personal phone call. The problem is that they have the wrong phone number. I have tried for so many hours to get this corrected, can not talk to a person and the automated system just says it has to call the number before it can do anything. After approxtamantly XXXX hours of working on this I have managed to get the old number removed, but now I am told they can not fix anything unless they call me and since there is no number they can not call me. It seems to be impossible to talk to an actual person and the XXXX times I did reach an actual person they told me they would have to call me on the number they have, A wrong number, this is not due to me changing my number, because I have had my current correct number for about 20 years. I finally got ahold of them again today and was told the number is gone, but now they have no number, and they have to call me on the number they have and since it is not there they can not call or add a phone number. I need help dealing with this, the company is costing me so many problems do to a simple problem that should have been an easy fix...
Consumer complaint received 2023-01-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (GA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX
Consumer complaint received 2022-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-12-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (MI)

This predatory loan company email on XX/XX/22 repo my car on XX/XX/22 I got no phone calls. The company they had repo my car broke into my car stolen from my car. Cost over XXXX to get my car My second file with you same company. Did the loan at 98 % rate illegal did title loan in Ohio it's illegal in that state. Last time I file many papers were file which deleted the loan. More has been file after the illegal repo. This company illegal pull my credit report to find me. Lie said I apply for a new loan illegal. So many laws has been broken my this predatory company. Has sent me many emails to sign for a new loan. When I last file this company show you a different set of papers of the loan. Pass sick company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for any of these predatory business actions. No one should ever do business with loanmart
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

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

Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX, Account name : XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX, Account name :, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

Mohela incorrectly sent me a letter stating that one of my prior government employers did not list their contact information. 
I have tried multiple times to get someone from Mohela on the phone but can never get through. 
I'm attaching my PSLF forms again to the CFPB complaint, and I want Mohela to correctly process my information and forgive my student loans.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

We sold a property having a mortgage with Caliber Home Loans on XX/XX/XXXX and Caliber has over {$2300.00} on escrow that they have not disburse. Unfortunately my father passed away on XX/XX/XXXX which was the borrower on the account but I'm a trustee as well as my mother on the Estate. On XXXX of XXXX we sent a package with all possible documents they might need to add me as a successor in interest which they said was the process for them to disburs that check. 
We sent death certificate, trust, statements and picture ID The first package they stated they never received so we have to resent everything again After they receive the 2nd package they started asking for documents that they already had like Evidence that ownership interest was transfered to me. This is already stated on the trust. We resubmitted the trust. 

Every time we sent documents they take over 30 days to send me a letter the only way to communicate with them because they don't speak to me saying I'm not authorized on the account and they aren't legally able to give me any information We have XXXX letters from them asking us to send documentation to different addressess. 

We call almost everyother day to get some information and the only thing they say is that it usually takes 48 to 72 hours from they day they receive documents to upload it on the system. 

After almost 2 years we strongly believe they want to keep us on a legal loopwhole to avoid disbursing the money on escrow funds We really need help because this is detrimental and tiring to go through this
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

I received an email from Chase Bank that states : We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. 

Here 's what it's about We reviewed your application for a new business card account. 

We encourage you to read the entire letter, because it contains specific information about your account. 

However, I did not apply for a business card account. I called Chase, who then told me to call the creditor. I looked at my credit report on XXXX who opened an investigation and suggested I report this issue.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (WI)

On XX/XX/2022, I attempted to complete a XXXX XXXX of {$100.00} from my account to my daughter. The bank froze my debit card for possible fraud. I reached out to the fraud department as well as several other representatives at the bank and no one is able to help because they have the incorrect telephone number. I am placed on hold for long periods just to be told they cant help or they will call me back. No one ever calls back. I explained to the bank that I cant come to the bank in person because I am now in Wisconsin and there is no Region Banks in Wisconsin. I explained that I have XXXX and I XXXX XXXX. The banks system is not able to generate security questions to confirm my identity, which has nothing to do with me. My social security is my only source of income and without this income, I am not able to pay my rent in Wisconsin or pay co-payments for my XXXX medication. At this point, I am in desperate need of assistance so I can be able to take care of myself.
Consumer complaint received 2022-12-21
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. (NH)

I have sent Equifax letters to verify XXXX accounts and also correct the way the are reporting the accounts since XXXX of XXXX. I have yet to receive actual verification and the accounts are reporting inaccurately. 
The Account status are reporting as open- collections are NOT open accounts, The payment status is inaccurate- they are both reporting 120 days late - this is inaccurate on a collection account the past due amount should be XXXX the XXXX year history and the last payment are incomplete and inaccurate on both accounts equifax has said the accounts " verified '' but I have yet to see anything to verify all this inaccurate information Ive included all letters and the copies of my credit reports showing that EQUIFAX IS REPORTING THESE INACCURATELY NOT THE FURNISHERS.
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

I am behind one payment and another one will be due XX/XX/XXXX. 

I contacted them in XXXX to see if I could put XXXX payment to end of loan. No I cant. 

I got a letter saying I have to bring account current by XX/XX/XXXX or some date. 

I spoke with someone on Monday or Tuesday the week of XX/XX/XXXX, she was not pleasant and said I had to make payment before they could discuss with me. 

My hardship is I had a XXXX! I had no health insurance and my meds to keep me alive was expensive. 

I will be collecting Medicare XX/XX/XXXX so if that one payment could go to end of loan, I will be able to keep them up. 

And what is that {$20.00} corporate fee?