davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Equifax is reporting information that was not confirmed valid by me and I demand this account be deleted. Pursuant to Title 15 USC 1681b ( a ) ( 2 ) : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. If Equifax do not comply, I plan to file litigation! 

The account is listed below : XXXX. XXXX XXXX XXXXXXXX XXXX Account number : XXXX
Consumer complaint received 2016-03-04
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Bank uses an automated phone system to dial every number on an account. They will non-stop if the system shows a debt owed. This is not a normal phone call. The phone calls come at all hours of the day, and if you pick up it hangs up immediately. It never leaves a voicemail. These phone calls, while illegal, are also only a result of chronic problem with Wells Fargo. They never updated my street address, routed payments to the wrong account, and refused to acknowledge the issue resulting in a faulty past due balance on a loan. There is gross negligence going on in the operations department of student loan servicing at Wells Fargo. By the sound of it even the customer service rep had no idea that the phone calls were of such an abusive nature.
Consumer complaint received 2015-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: ERC (MD)

I received many calls from a debt collecter to the point where I had to change my phone number. This is a debt that is from 6+ years ago which I do n't have proof that I paid but in fact did pay. They have gone ahead and reported it in my credit reports. I tried calling XXXX last time in an effort to solve this issue and was threatned that if I did not pay they would contact my XXXX and contact my employer ( which they repeatedly called and that 's how we found out it was a false collection agency ).
Consumer complaint received 2015-10-28
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Onity Group Inc. (GA)

Mortgage with GMAC XX/XX/XXXX maturity date XX/XX/XXXXXXXXXXXX @ month, never refinanced or modified. Sold to ocwen XX/XX/XXXX and ocwen nchanged the maturity date to XXXX, also was showing XXXX different bals on the statements, pretaning to principal and interest, requested the original note three times and received other material.breaking the law? I have all documents.they said it was a mistake, but never corrected it. Had to withdraw savings, and pay it off.never received the original
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NV)

This is not mine, I called XXXX and notified them. I never lived at the address the account was opened. I 'm sure it was one of my sons but this debt is NOT mine
Consumer complaint received 2022-02-09
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. (CA)

I have reached out to XXXX  clearly identifying their violations of my consumer rights in the letter I sent and demanding the deletion of this loan on my consumer report. XXXX has sent a letter back disregarding my letter in completion and all that I stated saying that they will not be conducting an investigation even though I have supplied them with all the Fair Credit report laws that the company was in violation of. 

The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

more specifically the GrammLeachBliley Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX did not disclose this information to me that is required by federal law. 
XXXX  knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
XXXX  knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

Please see attached the letter sent to XXXX addressing this violation and their letter back to me.
Consumer complaint received 2016-06-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Client Services, Inc. (GA)

Client Services , Inc. has aggressively continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Consumer complaint received 2016-04-25
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Secure Lending Incorporated (FL)

My number is currently being spoofed by Secure Lending Corporation. For several months, they have been calling people in XXXX County ( they only appear to call numbers with the XXXX area code ). I would get people calling me attempting to " return my call ''. When I tell them that I did not call, some would get upset with me. I did not know why this was happening and without a company to file a complaint against, I had little recourse. But finally they slipped up. 
They happened to call my wife while spoofing my number. With my phone next to me, there was a call coming in on wife 's phone and it was apparently me calling. When I answered, the lady said she was with Secure Lending and she wanted to talk to me about my mortgage. When I asked here why she is spoofing my number, she immediately ended the call. 

Ultimately, I would like to stop this practice. I hope someone will be able to stop them.
Consumer complaint received 2023-03-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2016-09-22
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NV)

I went to get a check cashed for services I performed. They refused to cash it. Instead of calling the account holder, they told me to return it to them. This was at XXXX locations. They told me to put it on my back account, although it was a Chasemail account.
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Recovery Partners, LLC (CA)

number is XXXX in XXXX arizona. claims he is a XXXX and associated with XXXX. threatens to take drivers license, arrest me and other family members. has called every XXXX of my relatives harrasing them. extremely threatening and rude. uses strong arm tactics and attempts to gather personal and sensitve information. threatened my grandmother with arrest and legal action.
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (MN)

I am having an issue opening up a checking account with Sun Trust Bank online. Sun Trust Bank is discriminating against me by denying me credit, not allowing me to open up a checking account and discriminating against me based on my race, me being XXXX XXXX ( XXXX ). Sun Trust Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I got my credit report XXXX months ago for the first time in XXXX yrs, I saw a lot of incorret accounts that was not my account, I contacted the creditors XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I told them the accounts on my credit report is not my accounts at all, XXXX days later the all sent me letters & called me & told me this accounts was unverifable & inaccouate & it was somebody elses accounts in the letters sent to me the accounts to be deleted from my credit report because this accounts is not mine, EQUIFAX REFUSES to Delete This inaccurate & unverifable accounts that states in the letter.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

Tcf bank is constantly charging over daft fee that I fill are in appropriate charge to gouge its customers. I never opt-in for them to pay any over-draft fee. I was told even if they did n't pay the vendor requesting payment I would be charged a return fee. They need to be investigated for deceptive practices.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

Ive had an account with Wells Fargo for about 7 years now. They have a history of charging me overdraft fees before my account was actually overdrawn. I would add money to the account same day and I would still get charged overdraft fee. Many times I talked to them but they would not explain how that was possible and they would not reverse the fee. I heard something about them having to pay customers back for this so Im submitting a complaint as my account was previously affected with these abnormal fees many times.
Consumer complaint received 2015-12-03
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NV)

Hello, I used Western Union ( WU PAY ) service to send money to XXXX for emergency on XX/XX/XXXX. I call WU on XX/XX/XXXX to see if they got money from my bank yet and they said due to technical issue so they have not received the money yet. I called my bank company to check if my money has been sent to WU and I was told that money has sent to WU. I called WU pay back and explained to them and was told to call back in 24 to 48 hours to check the status of the money. I called them back daily after the XXXX and until the XXXX I got an email like this : " Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. " I called them right after the email on the XXXX and was told my transaction has been cancelled and I will receive the refund within 3-5 busniness days. I questioned them why did not they notify me about the cancellation and the answer was : " you did not receive an email from us yet? I am so sorry if you did not " Today is XX/XX/XXXX and after spent 5 hours of talking, waiting from dept to dept I still have not received my refund yet.
Consumer complaint received 2015-10-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (UT)

Subject : Loan Modification RMA was Denied. Homeowner is claiming mortgage discrimination in the follow : Discriminatory Unfair Evaluation of Request for Loan Modification, PRA Principle Reduction Alternative. Homeowner claims is qualified under the appeals section within the DOJ/National Mortgage Settlement Agreement. 
This homeowner, feels that our case has been unfairly treated for the following reasons:1. Homeowner was denied for financial DTI Debt to Income ratio and the LTV Loan to Value percentage. 
2. Homeowner provided all the documents in a timely manner. The denial is unjustified and unfair. 
3. The bank stated that the homeowners income was low and could not afford their mortgage. 
The denial did not use the property value in the consideration the property was underwater. 
4. Key Bank did not use a NPV Report within their basis for denial. 
5. The homeowner had a first mortgage modified and has made more than the required 12 months of payments on time. 
6. The homeowner was separated from his his wife the cost of the XXXX household and wife and child support caused a extreme financial hardship : which caused to late payments on the mortgage. 
7. The Key Bank stated that homeowner does not meet the requirements? Homeowner was not provided a list of requirements, or given a basis of denial within the denial letter XXXX/XXXX/2015. 
8. Upon the denial of a modification, an appeal was verbally filed with Key Bank representative XXXX XXXX at contact number : XXXX, homeowner is within the 30 day appeal requirements. 
9. Since the denial of the loan modification, homeowner has requested via an authorized third party copy of the NPV Report, a basis of denial report, was the waterfall process used within the denial?
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

My only correct address on my report is XXXX n.y XXXX I resided there since 2001. Also no correct employment is on my report, I have worked for XXXX from XXXX to XXXX. Now my employment is XXXX XXXX N.Y XXXX
Consumer complaint received 2015-08-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (ND)

Midland Credit Management ( MCM ) had continued to contact me early in the morning even after multiple times telling them that I work third shift and not to call me at those hours. Agents use fake names, always calling from XXXX such as " XXXX XXXX '' and " XXXX XXXX '', typically releasing sensitive information without verifying identity first.
Consumer complaint received 2015-04-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,
Consumer complaint received 2023-03-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: JPMORGAN CHASE & CO. (IL)

Dear CFPB : I opened a Chase 3 months CD and signed up for the auto-renew option. However, when I try to cancel the auto-renew, their website doesn't have the option. So I went to a Chase branch to stop the auto-renew. However, I was told by the Chase banker that there is no option of stopping the auto-renew of the CD. I can only wait until the CD is matured, then I can call them or come to the branch to cancel the next CD that is renewed.

I believe it is the consumer 's right to stop renewing the CD. Chase does not have to right to force me to renew it and then I go to their branch to cancel it. It is a violation of the consumer 's rights. Please help to stop these illegal proctices. 

Thanks! 

XXXX XXXX
Consumer complaint received 2022-09-03
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. (MS)

XXXX is reporting a late payment ony credit file on an open account and they can not do so. TRANSUNION should not be allowed to report it. 15 U.S.C 1666 B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Also XXXX account is reporting errors on my Transunion credit file as well such as past due, last reported, date last active, and date of last payment. 
15 U.S.C SECTION 602 A states that I have the right to privacy. Also 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

I paid this bill to XXXX XXXX XXXX and this company, Credence Resource Management, LLC, keeps calling me about it after I informed them that it has been paid. I also tell them not to call me any more, yet, they call XXXX - XXXX times a day. They have also slandered my credit with a false collection listing.
Consumer complaint received 2016-05-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

BACKGROUND INFORMATION : I took over a 3-year lease on a XXXX Toyota Corolla from my brother-in-law, who no longer needed the car due to his relocation for a PhD program. I agreed to carry out the remaining 10 months of the lease agreement. After paying Toyota the lease transfer fees, I noticed problems in my credit. My FICO credit score is good ( XXXX-XXXX ) -- this has remained generally constant. Nevertheless, I did notice irregularities in my credit report that are disconcerting to me. For instance, my place of employment lists his employer from XXXX state ( I live in XXXX ) and his date of birth appears on MY credit score. This scared me ; therefore, I wrote a letter to Toyota Financial Services requesting they fix the issue and explain how it could have happened and encouraging them to look into others ' lease transfers for such errors. I sent this letter XXXX XXXX, XXXX, and have not received any response in return. I was able to dispute the errors with XXXX, XXXX, and XXXX, and successfully ( I hope? ) have the errors corrected. Nevertheless, I am mostly infuriated that I NEVER received a response from Toyota in response to my problem. I even called Toyota expecting a call back, and they have ignored me at every step. 

Please see copy of letter I sent out last month requesting an explanation and relief by rectifying errors with the major credit reporting agencies.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: First Data Corporation (TX)

Telecheck recently reared its ugly, and lying head again. This time XXXX Ran my account through both XXXX and Telecheck, and negative information was reported. I have filed XXXX LAW ENFORCEMENT REPORTS, COUNTLESS AMOUNTS OF AFFIDAVITS THEY HAVE DEMANDED AND AS RECENT AS A WEEK AGO THEY CLAIMED THEY DELETED IT. AS OF FRIDAY, THAT WAS UNTRUE. I AM SICK OF IT
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was looking for a villa to rent out for a couple of days in the XXXX XXXX and came across the site XXXX  on XX/XX/2022 and inquired about a villas availability from XX/XX/2022 - XX/XX/2022 ( Link to villa is XXXX XXXX XXXX XXXX ) .After submitting my inquiry I was connected with an individual named XXXX XXXX XXXX XXXX XXXX He provided me information about the Villa and quoted me at {$6000.00} for our stay. Before I submitted payment, he provided me an invoice detailing the dates, name of the villa and terms of payment which included 50 % payment to reserve the villa and 50 % payment 1 month before check in. I sent the first payment on XX/XX/2022 in the amount of {$3000.00} through a wire transfer and {$1000.00} through a XXXX  transfer. On XX/XX/2022 I completed the payments and sent {$2000.00}. When the day came to check in I, along with 25 family members and friends, received a message from XXXX stating that he accidentally had me booked for the wrong dates and that the villa wasn't available. He apologized and said that he would refund me my payment by XX/XX/2022. 2 months have passed and he has been avoiding my messages and calls. I did further research and found I was not the only victim of this individuals fraudulent practices. I came across an article ( Link : XXXX XXXX XXXX  ) that states this company defrauded a family out of {$5500.00} last year. I was also placed in contact with a family from XXXX that was robbed by this individual out of {$25000.00}.