davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: U.S. BANCORP (OR)

While US Bank tried to avoid the real issue in the complaint and make it look like the reason they have not communicated with me was due to not having the proper documents to do so, I have proof they have had the claiming successors deed since XX/XX/XXXX. See attached doc. 

THE ISSUE. 
In XXXX, US Bank put a home equity line of credit mortgage on my father 's property that he jointly owned with myself and my XXXX siblings. US Bank did not get our signatures or consent to the line of credit loan and they are now trying to foreclose on property that they do not own. At best, they have a lien on XXXX XXXX of the property. This mortgage was executed at the height of the XXXX financial crisis and I do not believe that my father, now deceased, had the mental capacity to enter into a loan agreement of this type. Since US Bank only had authority to lien XXXX XXXX of the property, that is the only portion of the property that they are able to foreclose on, if at all. Also, because the loan only covered XXXX XXXX of the property, it did not meet prudent lending or underwriting standards. US Bank should have been aware of other owners, since a title report was prepared at the time of the loan. 
See attached deeds showing all XXXX names on deed and US Bank showing only XXXX XXXX as owner
Consumer complaint received 2023-01-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : None Reported 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX Wells Fargo purchased my mortgage. They purchased it from XXXX XXXX. The ( my ) mortgage is in an Estate name as my husband passed away almost 2 years ago. All documentation was forwarded to Wells Fargo from XXXX XXXX. In XX/XX/XXXX i received 2 different pieces of documentation. One in my husbands name ( whom is XXXX ) and one in the XXXX name. I was very concerned about this being titled correct - so i reach out to Wells Fargo. Well - they would not give me any information on my mortgage that i pay because i was not listed on the mortgage. They did confirm that the " legal '' will/estate paperwork was transferred to them from the prior mortgage company. 

This is causing me a XXXX legal issue - as it is not in the XXXX name. I have been calling for 4 months now. They tell me it is being worked on - and that they see the " legal '' paperwork that i originally sent to XXXX XXXX is in their file with MY mortgage. As of today XX/XX/XXXX - it is still not taken care of. I have letters from them - dates and names of phone calls made - just tried again today - and i keep leaving messages and NOBODY calls me back- however - they continue to take out my mortgage payments!!!!!! This needs to be in the correct time - i get the run around and nobody calls me back. One of my letters from the " Senior Vice President '' with a name - they will not even let me leave a voice mail message. Something scammy is going on with the mortgage - and is causing me a HUGE legal issue. I sure hope someone can help. Thank You
Consumer complaint received 2021-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

Navient is calling me to ask about my daughter here she is. I get calls from Navient a least XXXX times per day. Navient is calling me my son my ex-husband asking about my Daughter we don't know she is. She has not talked to us for a least XXXX years. How do I spot getting calls from XXXX? This is been going on for about XXXX year. 
Please help. 
Thank you
Consumer complaint received 2024-03-07
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC (GA)

In accordance with the FCRA, Shellpoint Mortgage Servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX ) has violated my rights : 1 ) Under 15 USC 1681 Section 602, consumer reporting agencies must exercise grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 

2 ) Under 15 USC 1681 Section 604a, Section 2, consumer reporting agency can not furnish an account without my written instructions.

3 ) Under 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637b is mailed or delivered to the consumer not later than 21 days before the payment due date.

4 ) Under 15 USC 1681 - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing 5 ) Under 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - Under the CARES Act, if a furnisher/creditor makes an accommodation because you were affected by COVID-19 during the covered period, that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments.

Additionally, Shellpoint Mortgage Servicing has engaged in deceptive and predatory lending practices by 1 ) attempting to force me into a loan modification, a higher interest rate and a higher monthly payment as a means to avoid foreclosure 2 ) failing to disclose the option of the repayment plan as a means to avoid foreclosure and 3 ) intentionally delaying both the loan modification and repayment plan processes.

As such, Shellpoint Mortgage Servicing has continued to violate my rights, violate my privacy, incorrectly reporting late payments and disclose information without my consent.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Tried to reach out to them to let them know the apartment balance was paid to end the lease.. in 2013. They will not talk with me only hang up the phone and say contact XXXX but this debt is not mine. Even asked to just pay it to get it off my credit because Im trying to purchase a home and this is the only thing on my credit and thats how it was found out was never contacted by the apartments or from This company in no form shape or fashion. EVERYONE THERE ONLY HANG THE PHONE UP IN YOUR FACE.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

During our trip to XXXX in XX/XX/2019, XXXX fraudulent charges were made on our Bank of America card in the city of XXXX. Charges occurred on days we were not in that city. Charges were noted the day after our return and Bank of America was contacted. Bank of America personnel state the chip on the card was used therefore we must have made the charges. When I refuted their claim they told me it was difficult to sort out a fraud claim if it happens overseas. I have filed my fraud claim 3 times, made countless phone calls, and shared documentation regarding where we were each day of our travels. They continue to deny my claim. 
Arrive in XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX. 

Arrive XXXX - XX/XX/XXXX, two nights in XXXX XXXX XXXX.? Withdrew money from ATM in hotel during stay ( used XXXX ATM card ). Purchased painting, ate in the XXXX Quarter of the XXXX XXXX. 
Checked out of XXXX XXXX XXXX at XXXX local time ( XXXX Eastern Time ) of XX/XX/XXXX and traveled to XXXX XXXX, XXXX XXXX, sea of XXXX area. 
-- -- First fraudulent charges made later in the day XX/XX/XXXX XXXX ) XXXX XXXX {$190.00} 2 ) XXXX XXXX {$1700.00} Arrived Ramot - XX/XX/XXXX - Stayed at XXXX XXXX XXXX XXXX nights departing XX/XX/XXXX for XXXX. 

Arrived XXXX - XX/XX/XXXX - Stayed at The XXXX XXXX XXXX night. XXXX XX/XX/XXXX for XXXX XXXX. 

Arrived XXXX - XX/XX/XXXX - Stayed one night at XXXX XXXX XXXX. XXXX money from hotel ATM several times during stay. XXXX XX/XX/XXXX for The Dead Sea. 

Arrived Dead Sea - XX/XX/XXXX - Stayed one night at XXXX XXXX XXXX XXXX XXXX. Departed XX/XX/XXXX for XXXX. 
-- -- Third and final fraudulent charge made XX/XX/XXXX, XXXX XXXX {$4600.00}. 

XX/XX/XXXX arrived XXXX. Stayed one night at XXXX XXXX XXXX. Departed for XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IN)

To whom it may concern, This regards XXXX and Ally Financial, XXXX payments were made through my XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX to my loan with Ally financial electronically payed and have receipts from XXXX to prove that Ally did receive monies. 

On XXXX 2024 of amount {$420.00} On XXXX 2024 of amount {$200.00} Both payments were not shown and balance not reflected as such. 
Now in collection status. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-05-03
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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)

I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

I am concerned that Synchrony/Belk has not followed the Fair Credit Reporting Act ( FCRA ) and its regulations regarding the disclosure of my nonpublic personal information. 

Specifically, section 6802 of Title 15 of the United States Code ( 15 U.S.C. 6802 ) requires financial institutions to provide consumers with an explanation of how to opt out of sharing their nonpublic personal information with unaffiliated third parties. I have not received any such notice from Synchrony/Belk.

Additionally, section 1016.7 of Regulation E ( 12 CFR 1016.7 ) grants consumers the right to opt out of such information sharing at any time. And I am opting out as of now.

See attachment
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

Was running a little low going into the week of XX/XX/XXXX. Knowing pay day was coming XX/XX/XXXX, we logged into Truist app and turned overdraft protection on for our Checking account. The Truist Credit card used for this protection had {$900.00} credit available and in good standing. Just paid an {$89.00} annual fee on it. Next day, we get hit with an overdraft fee as the electric bill auto drafted. Next day the phone bill drafted and insurance payment so two more overdraft fees posted. Went by the XXXX, VA branch and the teller XXXX apologized and fixed it in their system. Next day we get hit with two more overdraft fees for more bills being auto drafted. We were paid and now have a good margin in account but called Truist today to ask they fix the issue and credit 5 overdraft fees of {$36.00} dollars. You can request the recording of the phone conversation today at XXXX XXXX  - XXXX XXXX XXXX. The representative today on the phone offered a courtesy of {$72.00} dollars as the credit card team told her theres a 7-10 day wait period to tie accounts to each other. She could not credit the entire {$180.00} after I asked several times. I let her know we would file with the CFPB but I was willing to speak to a manger. Im not sure she understood what I was asking. The app did not disclose this wait time to us, neither did the teller at the bank. Both accounts in good standing. We ask Truist to credit these 5 fees immediately. We will be looking for a new bank if not. Sincerely, XXXX
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates lead me to believe that if I paid two separate accounts that they would remove them from the credit reporting agencies. They have not removed them and they have also been improperly reporting them to the credit agencies. They are still listing them as in an open and unpaid status. They have been paid back in the summer of XX/XX/2016.
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MID-ISLAND MORTGAGE CORP. (NY)

On XX/XX/21 i made on online payment to mod island mortgage with an account set up with prior payments cleared. Mid island has acted as a predatory lendor by adding false charges and destroying my credit rating. 
The company has been contacted with their online chat and I was told they are allowed to do it? The account was current and in good standing. 
MID ISLAND MORTGAGE CORP ARE CRIMINALS. THEY ARE THEXX/XX/XXXX OF THE XXXX XXXX STOCK BOILER ROOMS.
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I have a checking account with USAA. In XXXX, 2017, I signed up for a internet service called XXXX XXXX XXXX XXXX. The service did not live up to it's claims so I cancelled it three weeks later. In XXXX USAA processed a payment for XXXX XXXX that I did not authorize. I told them this in multiple phone calls and I filed a fraud dispute against XXXX XXXX. Today USAA sent me an e-mail saying my fraud claim was denied and they were siding with the company and reversing my credit of {$130.00}. USAA sides with companies against consumers. I find it almost impossible to cancel payments or reverse payments that were not authorized with them.
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX responded to a credit alert from XXXX and responded to dispute this matter from Midland Funding Management for 3,0000 estimate amount She responded through XXXX and their investigation remove them MCM and updated it .Then MCM sued XXXX XXXX through Civil Courts and hoping that XXXX would not show up in court. XXXX Appear and Judgment unfair award to them because Judge would not allow our proof and he focus on the Bill of sale of XXXXXXXX XXXX and MCM which wasnt contacted to XXXX XXXX only the Letter to be sue. Through XXXX contacted them about this matter before being sue the Account by XXXX had delete them off XXXX XXXX record proving possible fraud.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Second Round Limited Partnership, Austin, TX Branch (AZ)

On XX/XX/XXXX, collector representative came to my door with debt collectors papers with my name on it, she demanded payment, she wanted my ID and told me : " XXXX, XXXX '' threw the papers on the floor and told me to pay!!!!! embarrassing me infront of my neighbors 3x screaming, of all my neighbors, screaming. I was born in XXXX, I do not look like I was born in XXXX, I am XXXX and had a XXXX it is very difficult to open my door. The car she was driving did not have plates, she covered them with paper. 4 door small sedan. I sit in my kitchen window and she came to my door Saturday and Sunday. This company has done this two times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition they have called my home over XXXX times in the past XXXX mos. I have land line and they do not stop calling. I told them everyday, this is not XXXX and they keep calling early hours XXXX am and now they came to my door. Please help me STOP the. This debt is not mine and they know it, they have the information, this XXXX is in California. I need help in XXXX.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-12-13
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. (PA)

I believe I am a victim of identity theft. I noticed these items on my credit report in XX/XX/2020. This identity theft has caused great distress in my life and has put me in a great XXXX. Identity theft has cause emotional, mental, and physical turmoil in my life and has caused me to not be able to care for myself and my family the way I would like.
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WI)

On XX/XX/2017 I made two different transactions for selling my virtual currency Bitcoin and Litcoin through coinbase. 

The first transaction was for {$260.00} of bitcoin -reference # XXXX The second transaction was for {$130.00} of litcoin XXXX reference # XXXX The money was supposed to be directly deposited into my checking account. The company has not responded to this issue.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC. (VA)

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar actions shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. AFNI has not provided this information, nor have they validated this account after being requested to do so. This account is being reported as " meets FCRA requirements '' when it does not. I have no knowledge of this account and I demand it to be validated.
Consumer complaint received 2021-06-25
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. (NY)

My only name is XXXX XXXX XXXX my only address is XXXX XXXX XXXX XXXX New York XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.