davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (IL)

I am sending you this letter referring to the response to my complaint against EastWest Bank received on XX/XX/2022, I wish to express that after much consideration and due diligence that I'm still doubting and way too confused about the situation with my complaint, and it triggers me a lot of XXXX 
The main reason I continue to insist on due process in my case is because I understand that EastWest Bank has not and is not taking adequate steps to protect its customers from financial loss and to recover their losses. Moreover, as we can see in my case, they failed to follow the established Anti-money laundering system to prevent these crimes to happen. 
In the past, when I communicated with you regarding my other complaint, against XXXX XXXX, I have provided you with a letter from the United States Senate to your director specifically pointing out the regulatory gap that exists and leaving us consumers without legal recourse for fraud. It should be understood that this letter as well as the direct letter from the Senate to XXXX XXXX XXXX XXXX XXXX highlights not only the problems of the XXXX platform itself, but of the banking system as well. As it says : " According to XXXX XXXX, banks were essentially 'throwing [ ing ] up their hands and saying 'it 's not our problem because you authenticated it. And also : " The policies of your company and the banks that own and operate on it create a confusing and unfair environment for consumers ''. 
It should also be emphasized that certainly there is broad legal precedent holding financial institutions liable for customer losses in a variety of jurisdictions. For example, in Wiand v. Wells Fargo Bank, N.A.  ( XXXX XXXX XXXX ), the federal courts recognized claims for both Fraudulent Transfer and Unjust Enrichment where the bank had failed to protect customers from a XXXX scheme. Similarly, victims of a massive XXXX  scheme perpetrated by an individual named XXXX XXXX successfully sued XXXX XXXX for both aiding and abetting fraud and fraudulent misrepresentation. See Coquina Investments v. TD Bank , N.A XXXX ( XXXX XXXX XXXX ). See also Lerner v. Fleet Bank, N.A. ( XXXX XXXX XXXX ) ( XXXX XXXX courts uphold claims alleging bank was " conduit '' for fraud ) ; Neilson v. Union Bank of California , N.A XXXX ( XXXX XXXX XXXX ) ( California investors successfully allege aiding and abetting in XXXX  scheme by Defendant XXXX XXXX  XXXX XXXX As your legal department is no doubt aware, this is just a fraction of the many instances in which banks, which hold a duty to their customers, have been held responsible for losses related to third party fraud. 
|without prejudice| I, therefore, ask for your help as a regulator and to review my case. If you need any additional information from my side in this regard, please let me know. I will be glad to help you make this process as fast and efficient as possible. 

Yours sincerely, XXXX XXXX.
Consumer complaint received 2022-11-27
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Companies/Accounts XXXXXXXX XXXX XXXX XXXX XXXX  ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE XXXX XXXX XXXXXXXX XXXX XXXX  - Explains identity theft and accounts reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- XXXX XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mountain Land Collections, Inc. (UT)

I was at work when they tried to serve me the summons at my house and they left it with my friend, not even my roommate. I got sued for a medical debt that I wasnt even aware existed. The debt company never called me to leave me a message about the debt. The only reason I knew it existed was because they were suing me. It was for a XXXX dollar dermatology visit from XX/XX/2019. I have a health savings account and I have insurance for things like this. I was just coming off of accutane and had paid for all of my visits and meds. This was my last visit to make sure everything looked okay after completing my 6 months of accutane. I have all the records on file for it. I also called revere health to see if they had a record of how many times they called me before sending the bill to collections and they told me they had zero records of that. I also asked a woman that works for the debt company if she had records of them trying to contact me and all she said was Oh they always try at least once. If I dont know a number and no one leaves a message, then Im not calling back. So how am I supposed to know that I owe something if no one tells me hey, you owe blank amount for x, y, x, visit. I didnt even receive anything by mail and Ive lived in the same house for 3 years. 
When they first served me it was about a XXXX dollar amount they were charging me and then by the time my job received a writ of garnishment it had amounted over XXXX dollars. I barely make that in 2 weeks after taxes. I ended up having to take out a credit card and now its ruining my credit. XXXX dollar debt to XXXX dollars because they made me pay for their court fees and a bunch of other things. Also it went from XXXX to over XXXX within the time frame of like a month and a half. Theyve done this to a lot of other people and I think its horrific to do that to people in your community. People who do pay for their healthcare, who also pay their bills regularly, and then have to worry about extra fees on top of that. They are absolutely banking off the abuse of others. They should be ashamed of themselves and they should be fined or shut down. Hold them accountable.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XXXX  XXXX XXXX Balance {$3800.00} XXXX  XXXX Balance {$7900.00} XXXX  XXXX  ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1600.00}
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that are listed on my credit report. I am particularly concerned about the accounts that are listed as late payment, charge off, and collection. The following are the accounts that I am disputing : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account MEDICAL XXXX Collection Account 04 XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX. XXXX Charge Off Account I do not believe that these accounts are accurate and request that you investigate the matter thoroughly. I have included a copy of my credit report with this letter for your reference. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I am invoking this right to ensure that my credit report reflects an accurate and up-to-date picture of my credit history. 

Please note that if the investigation determines that any of the above accounts are not accurate, complete, or verifiable, I request that they be removed from my credit report immediately. In addition, I request that you provide me with written confirmation of the removal. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid off my mortgage with Bank of America in XX/XX/XXXX. Bank of America failed to provide me with the original note and deed of trust. I mailed a Notice of Error to Bank of America in XX/XX/XXXX asking for the original note and deed of trust. Bank of America still has not provided me with the original note and deed of trust.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes do not recall each date submitted but i have sent certified letters and emails, my letter was completely disregarded with no action, they will remove the record then report it again i also have the same record listed 2 times on my credit report.
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have been a victim of identity theft. As a result, fraudulent, inaccurate information has been added to my report. The following accounts have violated my consumer rights according to XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). 

Companies/Accounts XXXXXXXX XXXX XXXX XXXX XXXX  ( reporting a balance of XXXX ) I demand these accounts be REMOVED AT ONCE XXXXXXXX XXXX XXXX XXXX XXXX - Explains identity theft and accounts reporting. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX- Explains I have the right to pravicy when it comes to what is being reported on my credit. 
XXXXXXXX XXXX XXXXXXXX ( A ) ( XXXX ) - Explains no one can furnish any information on my credit report without my consent. If i have reasonable belief that account is fraudulent is must be removed. 
I am seeking litigation and results at once. I am asking also that all information regarding these accounts be sent to my address on file. I am seeking ALL DOCS including Docs containing my ORIGINAL SIGNATURE used to open this account. If companies can not produce I will seek litigation on my personal behalf, these to accounts have been ruining my life for a long time. 

Sincerely- XXXX XXXX
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My mortgage/escrow servicer, XXXX has failed to pay the required XXXX XXXX XXXX XXXX XXXX after repeated phone calls, faxes and two " notice of error '' mailed letters. I would like them to pay the entire XXXX amount of {$7100.00} as the first portion is already past due and I have paid 20 months ( since XX/XX/XXXX ) of ontime payments. There is a current surplus of a Escrow Account Balance of {$13000.00} ( as of XX/XX/XXXX ).
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRST HORIZON BANK (TN)

XXXX of XXXX, I revoked authorization for XXXX XXXX to automatically withdraw flex loan payments from my checking account I revoked consent via their website and spoke with a customer service representative to advise them authorization was revoked and to inquire as to why payments were being taken when they should not. I was informed by the rep my account would be notated, but they'd more thsn likely contiue the automatic payments, because they typically do, even after consent was revoked.On several occasions, beginning XXXX of XXXX, I attempted to stop payments and dispute the transactions with my financial institution, XXXX XXXX, and was told the only way to stop the payments is to close the account, because Id made a bindingagreementwith the companyand they have the right to recoup their money. I explained that I'm not trying to get out of paying back whai I owe, but I wanted to make the payments myself, because XXXX XXXX is not abiding by the agreed upon payment dates by taking payments outside of the authorized due dates and withoutauthorization. I also explained my pay checks are directly deposited into the account and it would be a major inconvenience, due to me having auto payments, set up, my mortgage and other accounts to my checking account, and was again told there was nothing I could do to stop the payments, outside of closing the account, because they have my account number and the bank is not authorized to stop them. 

I'm currently under bankruptcy, as of XX/XX/XXXX, but the payments continue to be taken out without my authorization.
Consumer complaint received 2023-07-18
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: SYNCHRONY FINANCIAL (MI)

I've been a member of SAMS CLUBXXXXSynchrony Bank  for years, think the most I have ever owed was last fall 2022 of was {$270.00}. Paid that off.. After that maybe {$100.00}. 

I was in the store the other day and tried using {$37.00}, It was denied. After calling the bank they said my credit was lowered. I pay with my XXXX  XXXX  XXXX, After my personal investigation SAMS CLUB/Synchrony Bank  XXXXs claiming my XXXXXXXX sore XXXX XXXX -ish. Im on XXXX XXXX now and it was just updated to XXXX XXXX. 

I can not get a live person, I can not get a person who speaks decent English, I can not solve this. 

This is false information and out of the country.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The company tried to get me to change my deductible on my XXXX hazard insurance policy to meet their policies and threatened to put their own additional insurance on my property at a cost to me. I emailed them, as I had already had this issue with them in XX/XX/2021 and had to go to the CFPB to get it stopped and resolved but they are sending me a letter again and when I called it out to them that it was resolved came back and said it was not an error. So I just sent another email explaining the same thing. One, they purchased the loan with this deductible and if it did not meet their requirements they should have not purchased the loan. Two, the company paid a water claim on the property prior to my purchase so required a higher deductible. Three, I have a multi-policy discount so it would cost me more money to go with another company. If they purchase this loan with this deductible, then I should not be forced to pay more money or have an additional coverage forced on me at my cost. I have not changed any terms of my loan since inception so there would be no change in these terms either.
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 
XXXX XXXX XXXX, 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 man 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 2023-07-18
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: EQUIFAX, INC. (TX)

Dear CFPB, I am disappointed that Equifax thinks they are above the law. 

On XX/XX/XXXX I sent a certified usps letter to Equifax with an FTC report to dispute unauthorized fraudulent inquiries. 
USPS tracking number XXXX XXXX XXXX XXXX XXXX, Equifax received the letter on XX/XX/XXXX at XXXX XXXX. 

I disputed XXXX unauthorized hard inquiries and sent the FTC report that THEY instructed me to do and today XX/XX/XXXX got a letter that Equifax will not remove them. That they are factual record and that I need to contact creditor myself. Problem is EQUIFAX is the One reporting them so they are collecting money for reporting bad information they should be the ones investigating this, CFPB, please step in and stop these crooks. 
I want the two disputed unauthorized inquiries deleted they are. 

Factual Data on XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-12
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: OneMain Finance Corporation (OR)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2019, ONEMAIN add a hard inquiry on my credit report. 
On XXXX. XXXX, 2019, XXXX XXXX - XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-07-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

This complaint is in regards to USAA SVG BK acct # XXXX I've disputed this account with XXXX, XXXX XXXX and XXXX XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. USAA SVG BK 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 an 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.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion Credit Bureau is not updating my information in a timely manner I.E ... ..monthly This is a violation of the Fair Credit Reporting Act My current open accounts XXXX and XXXX are current through XX/XX/XXXX however the last activity Transunion is reporting on the accounts are from XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX