davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-17
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: WELLS FARGO & COMPANY (MD)

Please see attached correspondence. I am being held responsible for over {$12000.00} in charges made without my authorization. The fraudulent charges were made over two weeks in XX/XX/2017, a holiday period during which the risk of fraud is known to be high. The total charged fraudulently during this two week period was almost double the highest monthly charges to the account in two years and nearly four times the average monthly balance for 2017. As set forth in the attachments to this complaint, in type, volume, amount, pattern and type of merchant, the charges clearly and obviously were unusual and suspicious as compared to prior account activity. I learned of the identity theft only after my Wells Fargo VISA credit card was declined for a modest purchase at a grocery store and I promptly called Wells Fargo customer service. It was only on my initiative in calling and in checking my account on-line while speaking with customer service personnel that the fraud was identified. Contrary to every telephone conversation about the matter with representatives of Wells Fargo, during which I was assured that I would not be held responsible for the unauthorized charges, I now understand that Wells Fargo is holding me liable without supporting evidence and without advising me of any recourse or rights that I might have. The Wells Fargo correspondence states only that Wells Fargo found no fraud occurred [ s ] ince your card was in your possession. ( See correspondence attached. ) Insofar as Wells Fargo has acknowledged the fact that the card was in my possession, and insofar as the Federal Reserve Board guidance states that the cardholder is not liable when the card itself is not presented, I may not be held liable for the unauthorized charges. See 12 C.F.R. 226.12 ( b ), Federal Reserve Board Official Staff Interpretation. 
Without explanation, without notifying me of my right to appeal and without providing upon my request any justification for the conclusion, Wells Fargo determined that no fraud occurred or that the transactions were authorized. Wells Fargo thus inappropriately is holding me liable for the unauthorized charges.
Consumer complaint received 2016-09-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has and continues to encumber my property at XXXX XXXX XXXX XXXX RI XXXX with a fraudulent, forged mortgage. The mortgage for {$320000.00}, recorded on the property, on or about XX/XX/2008 is invalid and should be removed from the XXXX RI land evidence records. I would like a full investigation into the matter and to press criminal charges against Wells Fargo.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NH)

I received a discharge in a XXXX XXXX Bankruptcy on XXXX XXXX, 2015. Ocwen filed a response to final cure payment in by Chapter XXXX Bankruptcy case indicating that I was current at the end of my Bankruptcy Case. Ocwen is now asserting that I have an escrow deficiency of approximately {$10000.00}. Ocwen will not provide me any additional information regarding the deficiency ; however, I have always had escrow included within my payments. My taxes and insurance have not increased significantly since my Discharge.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (GA)

RE : Honda Financial Services and American Honda Finance Corporation and XXXX. 

I understand that XXXX has some problems recently where they were incorrectly reporting a significant number of peoples XXXX accounts; thereby denying them credit or driving a credit score that drove their score down. 

I was denied credit by Honda Financial Services and American Honda Finance Corporation. My credit score with XXXX, at the time I applied for the loan was over 700. As the declination letter from American Honda describes my XXXX XXXX score of XXXX was the reason for declination. The difference between the score reported by XXXX and American Honda is a significant difference. XXXX also sent me a notice that they changed the recipe to develop my XXXX score. This sounds fishy as their score is the bedrock of the credit industry and they changed the recipe to cook a different brew of XXXX. 

I believe that XXXX reported my credit incorrectly and I want the CFPB to investigate this in lite of their changing their recipe and their failure to report correctly. 

The attached letter is a copy of what I sent to American Honda. This outlines my primary issue with American Honda and XXXX. American Honda Finance has not responded to my letter. 

Additionally, I also believe that American Honda has discriminated against me, violating my rights by using my age to lower my score on their non-published criteria. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA. XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC (MO)

TMX Finance LLC submitted a cancellation of debt form to the IRS in 2019. I have had a loan with Title Max in 2019 for my car. They repossessed the car in 2019 and sold it for about {$3000.00} after I paid about {$5000.00} towards the loan. I complained to the Missouri consumer protection- General Attorney Office and Title XXXX said they did not file any cancellation of debts form and that repossession was legal. I pointed out that repossession was not legal as we were in the process of arbitration. It was also COVID period and they were not supposed to act to seize and then report cancellation of debt. 

Debt was not existent at the time of reporting.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NY)

I filed a complaint with CFPB a few months ago against Ocwen Loan services, with the CFPB 's help my name and liability was taken off a forged mortgage, I now received a foreclosure letter from XXXX XXXX XXXX XXXX, phone number XXXX, I have letters from Ocwen releasing me from loan and liability, I would like Ocwen contacted immediately about this error, thank you
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

They have a my name on report as XXXX XXXX and XXXX XXXX XXXX . My name should only be listed as XXXX XXXX. They also have 2 addresses on there that I have no knowledge of XXXX XXXX XXXX XXXX, Mi XXXX, XXXX XXXX XXXX XXXX, Michigan XXXX. They also have a bankruptcy on my report that I have no knowledge of and I reached out the courts and XXXX XXXX and they cant verify where theyre getting this information from. Ive disputed this information several times but the credit bureaus keep coming back stating that they verified the information but has sent me no proof. I have a letter from the court stating that they have no information also. One last thing, I havent stayed in XXXX in over 25 years so I dont know where these addresses came from I also had to file a police report before for identity theft after my divorce.
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My husband and I have been advantage customers with Bank of America NA since XX/XX/XXXX. One of the advantage checking accounts was suddenly closed down on XXXX XXXX, XXXX. I called Bank of America customer service and was transferred to XXXX other departments : Risk ID Support Center, Checking account Fraud Dept, Credit/debit Fraud department all which gave me no answer as to why the temporary freeze of the account. I spoke to different levels of authority and got only as far as to have a reference assigned # XXXX and that someone named XXXX XXXX in the Corporate Security Dept was to handle it. No one that I spoke to knew an extension number or was able to get a hold of that person or offer me any explanation as to why the sudden freeze of the account. This account is tied down to 12 automatic payments and a direct deposit. This sudden freeze is causing mayor financial hardship and worse of all no answer to all the contacts I to reach out to. The financial institution should be held liable for any hardship this has caused us. They are trusted with the handling of any money we deposit and make payment to accounts both personal and business accounts. To suddenly STOP that flow is outrageously disturbing and causing mayor financial and emotional distress. No financial institution shall have the sole authority to intervene in a personal checking account without cause and without a prior warning.
Consumer complaint received 2015-11-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

Our office has been attempting to have a short sale reviewed on this property. Every time I have called in to the main Loss Mitigation number at Ocwen, I am advised that there is a specific person handling the file, and the main department is not able to help me out. I have attempted numerous times to reach my " single point of contact '' but have not gotten a call or email back. This short sale was submitted in XXXX and there has been no movement at all despite contacting presidential escalations.
Consumer complaint received 2015-06-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OK)

i have a home loan with ocwen in XXXX ocwen started to sand bag my payments not telling as the year goes on i get a notice stating i am behind {$2500.00} buy there attorny i sent the law firm proof i am not behind while waiting to hear back i get another notice saying i oue {$4000.00} i cantacted the lawfirm and sent the proof again come to find out the law firm was fired do to them telling ocwen there wrong now few days lettter i find out XXXX and XXXX payments was sent back to me saying refused by payee now i get another notice says we now owe {$5000.00} and states our payment is over {$850.00} the payment is {$650.00} there and i still sent them there own paper work show we paid they moved the payment there rude on the phone help
Consumer complaint received 2023-03-28
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$780.00}.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (AL)

I had an account with Conn 's based out of XXXX, Texas, however, I live in XXXX, Texas. I purchased an item plus the insurance protection plan from Conn 's in 2013 and that was an incident that resulted in the insurance being applied to my account which would have paid the account off, but upon trying to talk with Conn 's several times to no avail, they are reporting this account which should have been paid off per the insurance protection plan that I purchased. I provided them with all perintent information. All of my damages were mitigated with Conn 's per the insurance protection plan. Conn 's is reporting this account on my credit twice with the same account number. This is has really hurt my credit.

This is the account number that Conn 's is reporting XXXX {$1300.00} & XXXX {$780.00}
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2023, All XXXX  loans under my SSN were transferred from XXXX to XXXX as part of the forgiveness process from the United States Government for my service to my country. In XX/XX/2023, While the other two Credit Bureaus were correctly reporting all my students, Experian continued to reflect XXXX on my credit report. I immediately reported a dispute on my credit report, only for Experian to report that XXXX reported the account as accurate. 

I got into contact with XXXX, who immediately reported that there was no account under my SSN and that Experian was providing me with an incorrect Credit Report from XX/XX/2023 to the present time. 

Since XX/XX/2023, I have provided Experian with Sufficient Documentation from XXXX and the US Government that shows I have no XXXX  loan debt. However, they continue to report the three accounts under my name and SSN, hindering my ability to purchase a home or car at affordable rates due to my credit score being impacted as a result.
Consumer complaint received 2022-09-05
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: CITIBANK, N.A. (OK)

It is my habit everyday to check my balance on my credit card since I got it and I pay it. I do not like to have any pending balance to pay. The XXXX day of XXXX, I notice an unauthorized charge with the following description : XX/XX/2022 XXXX XXXXXXXX XXXX XXXX CO Digital Account Number XXXX {$1100.00} I called immediately my credit card company ( Citi Credit Card ). They told me the charge to wait until this charge is processed to take action, but I needed to call them the next day. I called the next day, and they canceled the credit card current card at that time, and they told me I needed to wait for the new one ; and regarding the fraudulent charge they told me I did not need to worry about it, that tell will refund me that money and this will happen in a couple of days or so. I wait, but it didn't happen, and I noticed they did not send me any email regarding my claim and I did not notice absolutely any change on my account ( and when I clicked on " dispute center '' it says : " You Dont Have Any Disputes to Display ''. I called again, but they told me they were working on it, but they do not have a satisfactory answer for my questions regarding the Dispute Center and why they did not refunded me. I called after that several times but they just told me words and promises and the charge is still there. They want I pay this fraudulent charge and I continue with them as if nothing has happened, but of course, this is a fraud! How in the world do I need to pay a charge I did not make? Do I am obligated to finance the work of criminals? Thank you in advance for your help.
Consumer complaint received 2023-03-28
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. (TX)

This is my 2nd 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One has been settled through XXXX on my behalf and is being paid but not reflecting this on credit report, balance has not been reflected, still showing as chargeoff/collection account. The balance is incorrect. and should say paying as agreed, as it is not with a collection agency it is still with Capital One.
Consumer complaint received 2022-09-05
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. (FL)

I have been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called Metro 2 and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not metro 2 compliant. I have sent multiple letters to the credit bureaus to get these items rectified but the haven not yet responded or investigated into these issues. 

This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX In accordance with tine Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

I was scammed using XXXX. I was trying to sell something and the person told me to send {$500.00} to myself through XXXX to open the account. Then he said he sent {$500.00} and had me send another & XXXX to release the funds Of {$1200.00}. Then he told me there was not enough and I got what I thought was a letter from my band Truist telling me to send another {$200.00} to this Truist account. Pending in my bank account is the amount of {$1800.00}. The person keeps messaging me to send him his money he invested into the account. I have called my bank three times and they said they cant do anything while it is pending.
Consumer complaint received 2022-09-05
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. (PA)

Negative accounts was not verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-10-19
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: EQUIFAX, INC. (KS)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2023-03-28
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. (OH)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, and other Metro 2 Compliance requirements, parroting an e-Oscar system does not constitute a due diligent investigative effort. For instance, to no avail, I have made repeated requests to receive a description of the procedure used ( or documents used ) to determine the accuracy and completeness of adverse trade lines and collection items. This request obligates credit reporting agencies to provide consumers with the business name and address ( of any debt furnisher -- serviced in connection with collection information ) ; and, the telephone number of the debt furnisher. 

Still, if an account or trade line is modified ( with updated balance information ; i.e., validated ) or deleted, carbon copies are required to be sent to each credit reporting agency ( with whom the debt furnisher has a reporting relationship ). Again, because there is no evidence of Metro 2 Compliance ; i.e., viewable carbon copies, I request the above errant trade lines removed. Currently, as noted, this credit reporting agency is in violation of the letter and spirit of the following statute : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall provide to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if available. 

Finally, an itemized list of charges, fees and etc ... does not prove or offer evidence of a debt. Regarding the above-alleged trade lines and collections, to prove debt and consumer reporting agencies ' findings, I formally request evidence of my wet signatures.