davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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. (CA)

I have 7 accounts showing up on my credit report that do not belong to me I have been disputing these since XXXX of XXXX I have just opened up an ftc regarding identity theft these accounts in no shape and form belong to me and the bureaus are clearly notdoing anything about it they are just reporting false information. I am getting tired of this!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2023-02-22
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. (GA)

On or around XX/XX/2022, my Citibank credit card number was stolen and fraudulenty used without my permission. Citibank contacted me and informed me that my card had been used in a suspicious manner. I immediately contacted Citibank and disputed the numerous fraudulent out of state charges. After several months of contacting Citibank, they finally agreed to reverse the fraudulent charges that they ( Citibank ) alerted me to. After all of the fraudulent charges had been reversed, I canceled my Citibank credit card due to their lack of appropriate security protections. Citibank then has reversed one of the fraudulent charges, the largest one, yet reversed the numerous and obvious other fraudulent charges, back to my closed account as retaliation for my closing the account. 
I am disputing the entire amount of the fraudulent charge and reporting Citibank for retaliation.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In XXXX of XXXX, Fifth third falsely accused me of committing fraud with no proof. No funds was overdrawn and I do not owe the bank any money. Plaintiff XXXX XXXX filed her XXXX XXXX class action lawsuit in XX/XX/XXXX, claiming the company violated the FCRA by failing to provide accurate disclosures to consumers when they have fraud alerts on their account. I was apart of this class ( A ) lawsuit and I was settled out. My attorney have asked me to reach out to Fifth third once again to have them remove this inaccurate information from early warning. If the company refuses, we'll take legal action against Fifth third bank.
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

TO CFPB Management : Hi, I am very disappointed by incompetence and complete disregard by SunTrust Mortgage, while servicing my loan. I was contacted by SunTrust Mortgage about necessary flood insurance coverage for my property. However, although I provided all information about my own flood insurance coverage through my condominium, they still insisted on buying their insurance. 

When I contacted a Customer Service representative XXXX XXXX and told her that my Principal Loan Balance is {$76000.00} $ and my own insurance coverage is {$82000.00} through XXXX, which meant that I am in full compliance by FEMA requirements ( see below ), she promised to open a research case and get back to me in three days by personally calling me. 

A week has passed and XXXX XXXX did not call me to provide any status update on the research. When I called myself, some other associate responded and said that research concluded that you need XXXX imposed flood insurance. When I asked to provide me the grounds for such an additional coverage, she failed to provide them and referred again to a conclusion of the Research Department. When I told her to go on the FEMA web-site and pointed to the requirements ( see below ), she said that they would need to open another research for that. 

Please assist with resolving this case for me to get the refund for unnecessary insurance coverage and completely remove that imposed flood insurance coverage from my account. 

I attached my flood insurance coverage from XXXX, my loan information and FEMA requirements for flood insurance. 
The amount of flood insurance coverage required by the Flood Disaster Protection Act of 1973, as amended by the National Flood Insurance Reform Act of 1994, is the lesser of the following : 1. The maximum amount of NFIP coverage available for the particular property type, or 2. The outstanding principal balance of the loan, or 3. The insurable value of the structure.
Consumer complaint received 2021-03-26
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: Shellpoint Partners, LLC (MI)

Disputed my balance that hadnt been updated in 2 years. Shellpoint then adds two fraudulent 30 day lates one in XXXX and one in XXXX. They never fixed the balance either. Called to have corrected and they were not helpful. Ive never once been late with this company and I have bank records for proof
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against CKS Prime Investments LLC, a debt collector, and the original creditor, XXXX XXXX XXXX XXXX XXXX, for the illegal and unlawful collection and reporting of a debt that was charged off as an asset for the creditor. 

CKS Prime Investments has reported the debt as fully paid, despite the fact that it was legally considered an asset for the creditor with the charge-off. This act violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 4 ), which prohibits the reporting of debt as fully paid when it has been charged off. This act also violates the FCRA 15 U.S.C. 1681s-2 ( a ) ( XXXX ), which prohibits the reporting of a debt that is not legally enforceable against the consumer, intentionally hurting my XXXX XXXX with prejudice and without a legal contract with me from the inception of the debt with the original creditor ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Additionally, CKS Prime Investments and the original creditor have violated the Consumer Financial Protection Act ( XXXX ) by collecting and reporting a debt that was charged off as an asset for the creditor. Specifically, this act violates the XXXX 's provisions on consumer protection, in particular, 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers. 

Furthermore, CKS Prime Investments and the original creditor have violated the Truth in Lending Act ( TILA ) by not providing accurate and complete information about the debt and the terms of repayment. Specifically, they have violated XXXX 15 U.S.C. 1632 ( a ) by not providing accurate and complete information about the nature and terms of the debt, and XXXX 15 U.S.C. 1639 ( a ) by not providing accurate and complete information about the terms of repayment. 

Additionally, CKS Prime Investments and the original creditor have violated the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the XXXX XXXX XXXX Reform and Consumer Protection Act by collecting and reporting a debt that was charged off as an asset for the creditor. This act violates XXXX 's provisions on consumer protection, specifically 12 U.S.C. 5531, which prohibits any act or practice that is unfair, deceptive, or abusive to consumers. 

I respectfully request that the Consumer Financial Protection Bureau investigates these violations, holds CKS Prime Investments LLC and XXXX XXXX XXXX  XXXX XXXX accountable, and requests them to submit a removal of this illegal, unlawful, and collection abuse from my credit report. I also request that these XXXX companies ask the reporting agencies to send me a corrected copy of my report upon deletion. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

In XX/XX/2020, I applied via website of PHH for covid 19 RELIEF. I am not making any income and I need assistance. 

I was not able to pay XXXX, XXXX, XXXX. In XXXX I applied for this help. I did not receive any information EXCEPT that I was placed into FORECLOSURE on XX/XX/2020. I am mortified. I do not know what to do. I do not want to lose my property. 

Please help me. I need COVID 19 assistance and this foreclosure to be stopped. Please help.
Consumer complaint received 2018-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I was late on a payment on my student loan for XXXX XXXX. I just recently graduated  and I am still looking for a stable job. I owed a payment XX/XX/2018. I was unaware of such payment requirement and I did not pay it on time. I got an email about its past due status. I deferred my loan payments while in school twice. However, I did make the payment for XX/XX/2018. I am now aware of these payments but I was not before.
Consumer complaint received 2017-09-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE INVESTORS GROUP (TN)

My daughter applied for a loan with Mortgage Investors Group / XXXX XXXX in XXXX. She was given a preapproval letter and exactly what her notes would be. She therefore made an offer on a home. After paying for the home inspection and the termite inspection as well as having the owner of the home make multiple repairs. XXXX XXXX says well she really did n't check everything out as she should before she gave my daughter the letter. So, now she needs a cosigner. I agree to co-sign. FHA requires a XXXX minimum fico score which I am above but XXXX says she still ca n't do it. This is very unprofessional.
Consumer complaint received 2023-02-23
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. (MI)

This company placed a security alert on my report that I did not write or consent to. Someone from there had to do it because they stated that I was XXXX military XXXX which I have never done in my life. This false information has caused pain and suffering upon me. It stopped a complex from renting to me, which is compromising my livelihood and my reputation.
Consumer complaint received 2018-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

Received a notice that our account had been sent to collection. We asked for validation of the debt from the collection company and did not receive any response other than further attempts to collect the debt. We received a bill from XXXX but they had already reported it on my credit report. We did not agree with the balance so we asked for validation. We want details including an itemized bill, explanations, etc. We just don't agree that we owe. We had medicare at the time.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (NY)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-10-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

XXXX and experian credit Bureaus allowing XXXX XXXX to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow XXXX XXXX to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs XXXX XXXX as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of XXXX XXXX still reporting after Block was added as of XXXX 2020 Thank u
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (VA)

I sent a letter of dispute asking for them to validate the amount they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been validated when in fact they are still investigating the claim. They also sent a letter stating that I had to request substantiation of my account if I rewrite them again. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Waypoint Resource Group has on file of the accounts listed below. Please provide me a complete copy of all the information that was transmitted to the 3 major credit bureaus as part of their investigation, as required by FCRA. 

Accounts disputed : Waypoint Resource Group Account Number : XXXX Amount : {$110.00} Waypoint Resource Group Account Number : Unknown Amount : {$1200.00}
Consumer complaint received 2023-01-12
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. (TX)

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 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 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 2023-01-12
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: EQUIFAX, INC. (TX)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXXXXXX 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 2020-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (SC)

This is a fraud loan application process online, without any document verification. 
The fraud application of personal is banker, not random people on the street. ( Applicant is a banker, maybe he knows WF bankers ... ) Please see the attached letters from the mail. This is the first time I get this letter. 

Please see page 5 signed by my e name and time zone is XXXX. which is a fraud, I am living in XXXX, SC, XXXX. 
I am a student employee at the XXXX XXXX XXXX XXXX 
Please check page 6 my employer is XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX pays me {$2400.00} /month. NOT $ XXXX/month. 

How WF verify my income and asset?
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (IA)

i paid off my lease for my 2018 XXXX XXXX to GM Financial on XX/XX/XXXX. I had auto pay set up. On XX/XX/XXXX they pulled another payment of {$380.00}. On XX/XX/XXXX my wife called the help desk, she was told it would be back in my account within 10 days. On XX/XX/XXXX I called the help desk, I was told at that time it was processed Wednesday XX/XX/XXXX, I should be receiving it within a few days. On XX/XX/XXXX I called the help desk again, I was told at this time, it would need to be mailed out to me by check. It is XX/XX/XXXX. I have not received it. I work for a Bank, when we receive a payoff we terminate the auto pay. I don't understand why an additional payment was taken, and why it is taking so long to return. Also why the different stories when I call inquiring about it.
Consumer complaint received 2018-07-24
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. (CA)

My XXXX account XXXX is not reporting to TransUnion and as a result, my credit rating is being adversely affected when compared to the other credit bureaus as my average age of accounts as well as my available credit is not accurate because TransUnion is not considering this account when factoring my credit score. 

I have contacted XXXX who issues the XXXX credit card and they advised they are reporting the account to XXXX, XXXX and TransUnion. See attached letter.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have operated a XXXX XXXX in my home for over 20 years while living there as my Primary Residence. On XX/XX/XXXX Hurricane Matthew struck the First Cost in XXXX, and a 4 ' diameter Oak Tree fell on the property and render the property in-habitable. 
The Insurance Company did not approved of the Claim until on or about XX/XX/XXXX, and the repairs to the structure, roof, floor, walls were replaced and a Certificate of Occupancy was certified after XX/XX/XXXX.I have been without revenues for over NINE MONTHS! Today, we are back in the business of running the XXXX XXXX, although MANY PARENTS DID NOT WITH THEIR CHILDREN because of the length of the closure. 
Meanwhile I continue to work at the XXXX County XXXX XXXX as a Part-time XXXX, but my income was insufficient to keep the Mortgage Payments current. 
I have applied for a Loan Modification as soon as income started to come in and have presented a Profit and Loss to Wells Fargo as well as my Pay Stubs from my part-time job. Wells Fargo Home Preservation Department stated that I did not earned enough income to offer me a Loan Modification according to Making Home Affordable Act. Wells Fargo steadfastly insisted that my Income from all sources was ONLY {$1100.00} a Month. I appealed their decision and provided Bank Statements showing the average gross income from the XXXX XXXX to be {$2000.00} and growing, and my Part-time Income is {$1200.00} gross per month. Wells Fargo 's representative telephone me today and said their decision remains the same. My Mortgage is a 9.6 % 80/20 Predatory Loan with 11.00 % Second Mortgage service by Wells Fargo. I disagree with their decision because they DID NOT OFFERED ME HAFA, or any other Program in the HAMP. I have attached my Pay Stub, and Profit & Loss for your review.
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

Pennymac Loan Services LLC recently purchased my mortgage. Payment is due in a few weeks, but I can not get details from Pennymac on how to submit payment to them. They have failed to send me these details. Pennymac 's call center is not adequately staffed, leading to hours of hold times. My Pennymac account does not reflect this mortgage. There has been a systematic failure by PennyMac to allow me to pay them per the note.