davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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 am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

As a victim of identify theft, there was an account opened under my name with a creditor. I have for more than several months doing all things possible to rectify this situation with the original creditor. After being unsuccessful in those attempts, the original creditor sold this alleged debt to XXXX XXXX to collect on this debt that has resulted from fraud.
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2015-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

Received a notice from RPM that says they are trying to collect a debt I owe. The notice says I have ignored repeated attempts by XXXX to collect the debt. I have never had XXXX, and was never contacted about any debt. I have read numerous complaints against this company online - and a lot of them sound just like mine, even using XXXX as the company that is supposedly owed money. I am afraid to call them since most reports online say they are horrible, and harass and repeatedly call and threaten people, even when the debt is phony. It also appears that their bogus charges can appear on credit reports! I want to avoid any issues, since I do not owe anyone any money.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I open an account and deposit XXXX with a banker name XXXX. He says {$220.00} will be available and I have to wait for my debit card for the remaining balance. So in the meantime in order for me to access my funds I try XXXX XXXX Apparently during the week I also deposited a check for {$900.00} I don't know if that check bounced or what but I had funds to cover that {$900.00}. My account didn't go to overdraft. All of a sudden I can't access my funds or even sign on to my account I have a remain balance of XXXX I went into the bank numerous of times and XXXX said he has to call the guy who has my funds and find out what the guy did with it. I ask him what guy? He said the guy who close my acct. I don't understand how someone else can close my account with my consent and I'm the only authorized user on my acct. He told me he'll let me know when or if anything updates in the system.. Why are they treating me like I'm a criminal. My car broke down and with that money I had plans to buy a car. Without transportation I can't get to work and already got a warning which my result to me getting fired. With that money I had planned on buying a car so I can get to work. This is crazy. Today I got this letter in the mail something about my 1099 tax forms. What does my 1099 have to do with my balance. I don't know what to do at this point. US Bank in XXXX CA on XXXX XXXX has my money and apparently gave a guy permission to close my acct without my consent..
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (IN)

I saw a collection for Southwest Credit Systems on my credit report. I immediately contacted them requesting debt verification. I sent a letter requesting it on XX/XX/2016 and never got any documentation to verify this debt.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

I filed a dispute on a charge in my PayPal, during that time, another one of my accounts on PayPal was compromised. I attempted to cancel my PayPal account or remove my banks, credit cards and debit cards, and they will not allow me to do so. I just want the account closed, and my accounts protected. They would not do this.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Hi, I opened Citi Gold checking account thru internet. At that time, XXXX bonus points of XXXX was offered with certain requirement. At the time of opening the account XXXX XXXX, I confirmed with an officer of Citi. I fulfilled the requirement in early XXXX XXXX and confirmed with an officer of Citi. Since I had not received the promised bonus points, I have contacted with Citi officer in XXXX twice saying the points would be posted by XXXX. Today, XXXX XXXX, XXXX, I have n't received. I have contacted the Citi and XXXX told me I 'm not eligible since I do n't have any letter saying I 'm eligible to receive the bonus points. My previous confirmation ( more than 3 times ) is noting. It was internet offer to general public. How can I show the letter. Why should I show even I have confirmation from the citi officers ( 3 times with evidence actually 4 times ). I believe Citi must stop deceiving general public with fake promotion. Please make Citi stop deceiving general public. 

Attached plz find the confirmation with Citi Officers. 
Thanks
Consumer complaint received 2016-10-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Step Group, LLC (PA)

A letter was sent to me dated XX/XX/2016 from First Step Group stating that they want to settle on an outstanding debt. There are XXXX issues XXXX the account number they report is XXXX I never had, and to, I have ten years worth of documentation including credit reports that prove that account number does not exist.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pressler & Pressler, LLP (NJ)

I contact Pressler , Felt & Warshaw , LLP to request once again to provide me with documentation with my SIGNATURE on it that shows when the account the stated I own was open and the representative told me THEY DONT HAVE IT.. I ask him how they sued me then with out the proper documentation and for my surprise he told me that he is not a Lawyer. SO IS Pressler , Felt & Warshaw , LLP IMPERSIONATING TO BE A LAW FIRM??? 

Felt & Warshaw , LLP STATED THAT I DID NOT RESPOND TO THE COURT .... ARE YOU GUYS SURE??? BY THE XXXX OF XXXX THE COURT RECIEVED MY RESPOND LETTER AND ON THE XXXX OF XXXX THEY WITHDRAW THE XXXX DOLLAR FILLING FEE THAT I SEND TO THEM BY CHECK FROM MY CHECKING ACCOUNT. 

I REQUESTED Pressler , Felt & Warshaw , LLP TO PRIVE ME WITH THE FOLLOW DOCUMENTATIONS 1.Documentation with my SIGNATURE on it that shows when the account they stated I own was open. 

1.1 Documentation with my SIGNATURE on it that shows I own Felt & Warshaw , LLP any sum of money 2.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 3.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 4.Documentation with my SIGNATURE on it that shows when the account they stated I own was open 5.Documentation with my SIGNATURE on it that shows when the account they stated I own was open
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NC)

I pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company Specialized Loan Servicing ( SLS ) reported the loan payoff and final payment activity correctly. My credit report showed that SLS added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that SLS received full payment. 

On XX/XX/XXXX I sent SLS a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my SLS billing statement. 

On XX/XX/XXXX I received a response from SLS stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX
Consumer complaint received 2017-02-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I had obtained the services of an ambulance in a XXXX emergency. The Ambulance company is a contracted provider with my insurance and did not bill such correctly, and placed me into collections in error. I have attempted to resolve this matter for well over a year, while this debt remains on my credit report. The Ambulance company has finally billed the insurance carrier, obtained payment in XX/XX/XXXX2016, however the collection agency insists on billing me for the interest accrued and refuses to accept my co-payment that is contractually agreed with my insurance of {$200.00}. The collection agency Manager is rude and aggressive and refuses to allow resolution to this account, despite the Ambulance company acknowledging the error and that only a {$200.00} co-payment was due.
Consumer complaint received 2016-06-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (FL)

I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am submitting a complaint against Bank of America for unfair practices in handling my mortgage account. I did apply for a loan modification on my current mortgage and was offered a mortgage modification agreement package by Bank of America. I made it clear over the phone that i was not interested in the mortgage modification offer to the home loan account specialist XXXX XXXX. XXXX XXXX even had me fax in a signed letter stating that i was not interested in the modification offer and wanted my current loan to be return to normal servicing. I never replied or sent in the paper work that came along with the mortgage modification agreement package. On XXXX/XXXX/15 i made my regular mortgage payment of {$2400.00} at a local Bank of American branch. I received a letter dated XXXX/XXXX/15 stating that my mortgage payment of {$2400.00} was not applied to my current mortgage and that it was going to be set aside on a unapplied funds account on my loan. I never authorize this practice to be implemented on my mortgage loan account. I want to investigate who in Bank of America authorize this practice on my home loan.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I noticed an account in collections on my Credit Report back in XXXX and disputed. I received an Email on XXXX stating that it was in fact an error. To date, the collection is still on my credit report and has not been removed. I disputed this with Experian and the report number they gave me was XXXX and my investigative ID was XXXX. This needs to be removed as I am building my credit and this just hampers my attempt. 
I have pasted the email I received : The results of your investigation of information in your Experian personal credit report are now available for online viewing. For your protection, please review your results online within four days of the following date : XXXX review your results, go to the following URL and enter the requested information. XXXX Report Number is : XXXXYour Investigation ID is : XXXXThank youThis notice is systematically generated. Please do not attempt to reply or send email because we can not receive it.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I've filed a complaint on the on going inquires that's on my XXXX report and haven't gotten them removed. i also filed a FTC report and haven't gotten a response from XXXX yet i wish to have this matter resolved in prompt fashion due to it hindering my Credit Report Score.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I received a statement from HSBC having period XX/XX/XXXX to XX/XX/XXXX. This is the only statement I received since I opened an account on XX/XX/XXXX. 

I called on XX/XX/XXXX and spoke with XXXX XXXX XXXX ( the name may not be correct ). I asked to reimburse $ 50 monthly fee for the entire time ( more than 2 years ). He said that since the account was closed, nothing he could do other than reaching out to his supervisor. He gave me a reference number of XXXX. He told me he would send an email to his supervisor and copy me. 

On XX/XX/XXXX I called and talked to XXXX? since I haven't heard anything since XX/XX/XXXX. She offered to text XXXX to ask him to call me about my maintenance fee refund. 

I called again on XX/XX/XXXX and spoke to XXXX and was told that nothing she or HSBC can do since the account is closed. None of the 3 agents would reopen my account to facilitate my request. I asked XXXX to give me a phone number to complain. She said that I would need to find the help on my own. 

I didn't know that HSBC charged me a high monthly maintenance because HSBC never send monthly statement. I never used the checking service other than having direct deposit. I think it's reasonable to have HSBC to reach out to me that my account has been charged $ XXXX because my account balance is not high enough to have the fee waved. I leaned on XX/XX/XXXX that {$75000.00} is the minimum balance to have maintenance fee waived.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (IL)

In 2019 XXXX XXXX XXXX move out doing Covid 19 because house had water issues with property sinking section XXXX tenant. 

I completed a short sale submitted all documents to XXXX XXXX Obudsman email department and requested for Title Company to correct hud XXXX that was submitted to XXXX XXXX by email and never got a clear to close. 

So the buyer went to another deal during XXXX XXXX. People I believed was moved around not in the office at XXXX why never received clear to close. 

I have spoken with XXXX requesting to remove to mortgage out of my name because that was not my faught when we were ready to close and CFPB knows about it. 

I filed a complaint about this doing that time and the XXXX that was handling the closing can vouch that he faxed what XXXX requested. 

I received a alert from XXXX today that XXXX reported this mortgage XXXX past due XXXX XXXX and I have not owned this property since 2019 up until the tax buyer had to go ahead to deed because he waited a year to help me close on this short sale that XXXX new about. 

Everytime I spoke with them about it they continued to avoid taking this mortgage out of my name. 

Now all of a sudden they reported this mortgage on my credit today 180 days past due that is erroneous and they have records communication that I dont even own the house or the garbage as of today date which the person that bought the house just purchase the taxes on the garage and XXXX and the Investor Chase new about that. 

It made no since for me to redemption of the garage pay taxes when the XXXX XXXX who now own the house the tax buyer did not buy the garage and those taxes were just sold to that XXXX man that came by my house looking for me to help him out. 

I gave him authorization to speak with Chase who was the investor and I could have sold the garage and received the same money {$30000.00} that the short sale was approved for. 

Again, no help from XXXX nor Chase and I did not want to leave the XXXX  man name XXXX hanging who bought the house and not the garage which had it's own separate property identification number. 

Now that redemption has expired now XXXX decides to put false information on my credit report which is a scam and I am not going to be the fall guy and I want them to remove what they reported derogatory off my credit report which took a hit XXXX points. 

That's not fair and deceptive advertisement.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (GA)

Late Payments for the year of XXXX, XXXX and XXXX are being reported on my account inaccurately. The company has not provided evidence to prove the payments were late. On XX/XX/XXXX in response to complaint XXXX the company submitted a word document of a payment history that doesn't have any of my information on it, this document is not a valid document as I do not know if the payment history submitted is mine. The word document doesn't have any of my information on it including personal information, car information or payment details. The response that was submitted on XX/XX/XXXX isn't valid as Honda Financial has not proven any late payments, however they're reporting late payments to all of the credit agencies which is negatively impacting me and my credit score. I would be honest in XXXX and XX/XX/XXXX I was late due to not working so I can take care of my mom who was battling stage XXXX XXXX XXXX.
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (MI)

I owed XXXX a debt of XXXX dollars which I have been paying. A " collection agency '' called IC Systems has been sending me letters to pay the remaining balance. I thought it was a legitimate collection agency. I paid them XXXX dollars with my debit card. Little did I know ... 

Two days later, I had charges of over XXXX dollars on my checking account. Someone was using my card in XXXX. I live in XXXX. When I did digging, I found out that this collection agency was fake. Using a fake address in XXXX, they currently operating in XXXX, XXXX. I have found that many other are falling victim the way I am.
Consumer complaint received 2015-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX. This loan modification process has been going on since XXXX I have paid my trial payments in full, on time and have continued to pay. At least {$20000.00} in fees remain indecipherable. Both you, CFPB, and Bank of America ( BOA ) claim to have resolved or solved this mystery of these indecipherable, erroneous fees. You have not cleared the way for any professional to understand BOA 's documentation of monies. This may be BOA 's SOP, but again, unreasonable, indiscernible, and cryptic. Fair resolution : remove these thousands of dollars of fees and let us press on to modification in full.
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

I have never been late on this account I would like to see financial accounts showing I was I reached out to the credit bureau for a solution and got no reply. the day was XX/XX/2021. the company doesn't report monthly as agreed in loan contract.
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Dear Gentle People at Consumer Financial Protection Bureau I was referred to you and read the article about CFPB and student loan unsavory practices. I made a lump sum payment ( XXXX ) to XXXX XXXX in XX/XX/XXXX, " students making a lump sum payment toward the principal are discovering that companies servicing their loans are making it harder to save money on interest charges. '' I recently discovered this with my student loans. 
My loans are started in XX/XX/XXXX for my XXXX degree to my XXXX in XX/XX/XXXX. My loans were under XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and then transferred to Navient. 
XXXX XXXX has no record of my loans or loan payments at all!! 
I applied for the Public Service student loan reduction payment plan with XXXX XXXX in XX/XX/XXXX. 
Navient stated I would have to reapply and start the program over! 
Navient only has records going back to XX/XX/XXXX. 
Whatever you can do to help would be greatly appreciated! 
Respectfully submitted,