davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently assisting XXXX XXXX XXXX in the above-referenced matter. We write this letter in response to your rebuttal letter dated XX/XX/XXXX.
In your rebuttal letter you claimed that you submitted a request for the Mortgagee Optional Election ( MOE ) to the Office of Housing and Urban Development ( HUD ) onXX/XX/XXXX. Further, you claimed that HUD responded on XX/XX/XXXX, denying the MOE because XXXX XXXX  was not married.
In response to your rebuttal, XXXX reached out to HUD to confirm the decision you claim HUD made on XX/XX/XXXX, and we were advised that HUD made no such decision. Furthermore, XXXX XXXX, Attorney-Advisor at the HUD Region IX office confirmed that the guideline, which was provided to you in our initial correspondence dated XX/XX/XXXX, was accurate and correct.
YourXX/XX/XXXXrebuttal not only misrepresented your actions to XXXX but also to the CFPB, the regulatory agency charged with investigating this complaint. Your rebuttal also misstated the actions of HUD, a federal agency that insures the above-referenced loan. Whether these actions were done purposely or through error, it impacted my client negatively. That said, my client continues to seek resolution to this issue.
To that end, on XX/XX/XXXX, Financial Freedom sent toXX/XX/XXXX a California First Amended Tolling, Forbearance and Release Agreement ( the Amendment ), which requiredXX/XX/XXXXto complete and return the Amendment to Financial Freedom no later than XX/XX/XXXX Although Financial Freedoms XX/XX/XXXX letter is addressed to XXXX XXXX XXXX XXXX has not received it to date.
On XX/XX/XXXX we spoke with a representative of Financial Freedom and requested a deadline extension to XX/XX/XXXX. This request was made in order for XXXX XXXX to have the necessary time to seek independent legal counsel and to consider all of the options available to him in this matter. During this telephone conversation a supervisor by the name of XXXX XXXX provided an extension until XX/XX/XXXX.
Later, on XX/XX/XXXX we again spoke with a representative of Financial Freedom and requested an additional extension for XXXX XXXX to review the Amendment. The representative again consulted with XXXX XXXX and provided an extension until XX/XX/XXXXand requested that XXXX request, in writing, written confirmation from Financial Freedom stating that Financial Freedom had provided the time extensions referenced above.
Consumer complaint received 2024-02-02
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (MI)

Comerica bank refuses to correct there computers errors regarding the derect express card they issued me after the SSA requested that my ssdi payments go to. Comerica bank will not provide SSA with the routing and acount numbers so they can send my payments to it. I've had there card they sent me for 5 months now but SSA has not received the required information to do it. Because of this I am now late on my rent payment.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2023 : I noticed a total of {$4800.00} in fraudulent charges taken from my bank account from Chase. I contacted Chase within a few hours to lock down my account and report the charges as fraudulent. 

XX/XX/2023 : Chase provided a temporary credit towards my account while they investigated the matter. 

XX/XX/2023 : I received the following statement from Chase : We completed our research for the transaction ( s ) you reported on XX/XX/2023. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
As a result, we are removing {$4800.00} from your account on or after XX/XX/2023. If the account the claim is related to is no longer open with Chase, and you don't have an open account with Chase for us to debit, we may request you to repay the credit ( s ). 

XX/XX/2023 : I called Chase and spoke with an agent and asked them for verification. I was told that my account was less than 6 months old and therefore my claim was denied. My account has been open with Chase for over 10 years. 

I'm at a loss of what to do.
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: EQUIFAX, INC. (CA)

I received my Credit Report from XXXX on XX/XX/XXXX. I noticed the third party XXXX XXXX with XXXX XXXX. Most importantly the section XXXX XXXX and Residential Information. Was XXXX XXXX Recorders office : XXXX XXXX XXXX When I purchased this vehicle from Future XXXX XXXX XXXX, I was living in XXXX XXXX of XXXX. XXXX XXXX holder on XX/XX/XXXX was XXXX XXXX XXXX. Not sure when XXXX XXXX purchased the loan from XXXX because I was notified that there was an exchange of XXXX. XXXX never notified me nor did XXXX XXXX. My payments were XXXX starting XX/XX/XXXX. XXXX is not on my XXXX Credit report from XX/XX/XXXX. However there is a Inquiry from XXXX on that credit report dated is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. XXXX XXXX is not licensed in the state of California.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AL)

We closed an account with Wells Fargo last year. There is no money due. No credit card balance. We have no current affiliation. However, we are continuing to get notices that the account has a XXXX  balance - I called to question this several months ago - I was told that the notice is simply to let us know that we need to download whatever information we need to - because the records were being removed from online access. I was also told that the bank records indicated that the account was indeed closed. However - we continue to received " XXXX '' dollar notices - this leads me to believe that the account does in fact remain " open '' and that someone - anyone - would then access it for whatever nefarious means they wish to pursue. Please help.
Consumer complaint received 2017-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

requested back up for debt commonwealth stating that I owe. ( my original letter attached ) this is the 2nd complaint I have filed and no results from company they sent a 1 page letter ( attached ) there is NO Back up Here is the response they sent thru your website and now it was closed out. 
I WILLNOT CALL TO DISCUSS INFORMATION WITH COMPANY I WANT DETAILED BACK UP TO SHOW DETAILED INFORMATION ON THIS DEBT all you get is the run around responded Status Company responded on X/X/2017Response TypeClosed with explanation Company 's Response RE # XXXX {$180.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX, Please be advised there is no documentation on the above account that the attached letter was received. Commonwealth Financial Systems will send XXXX validation of debt. Collection activity will cease while the account undergoes investigation and in addition our agency will send a deletion request to the three major credit reporting agencies. XXXX can contact our office should she have any questions by calling our toll free number XXXX ext XXXX. This extension will put her directly with our collection manager, XXXX XXXX XXXX. She can send any correspondence that may prove that she is not responsible for this debt to our office by mail XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax { XXXX } XXXX, or email XXXXXXXXXXXX. Please do not hesitate to contact my office for further assistance. Thank You. Sincerely, XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Consumer complaint received 2018-07-23
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. (ND)

On XX/XX/2018 I sent XXXX XXXX XXXX a letter requesting them to provide me with an originally signed consumer contract for an inaccurate account which does not belong to me from Fair Collections and Outsourcing # XXXX. On XX/XX/2018 XXXX XXXX XXXX signed the return receipt. A few days later they sent me a letter saying they investigated and the account is accurate which is incorrect. They have failed to provide me with a signed consumer contract.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

For approximately 6-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX 's custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact Bank of America ; however, account number provided by XXXX XXXX is inaccurate.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gatestone & Co. International Inc. (MD)

Received call from Gatestone debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} XXXX XXXX Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX Account opened in XX/XX/2018 and closed in XX/XX/2018.
Consumer complaint received 2018-07-23
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. (FL)

On XX/XX/2018 I was informed XXXX XXXX XXXX was removed from my report through Experian via copy website. I have disputed this item several times since it is not accurate and paid to original lender. However, when I tried multiple times to get updates from the original credit lender XXXX XXXX aka XXXX XXXX ( which both populate on my report ) they then sent to collection after years of being paid ; very weird company. My credit report pulled XX/XX/18 by XXXX-XXXX does not have this item on my report through Experian. This has also een resolved with XXXX and XXXX whom updated my report accurately. I have attached several documents through Experian website previously.
Consumer complaint received 2021-04-27
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 — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc. (UT)

XX/XX/2020 I tried to pay my mortgage late. It was denied and Caliber Home Loans put me in the COVID CARE ACT refusing to accept XXXX/XXXX  payments, marked late on my credit reports, sold the loan to XXXX XXXX  as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending Caliber Home Loans monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to XXXX XXXX in XX/XX/2020 along with the XXXX payment to bring the mortgage current. XXXX also made several attempts to understand the split of the loan and could not get communication from Caliber. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is Homeless with cash to buy my next property and can not get a loan due to the false reporting of Caliber Home loans on my credit reports!
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ameritech Financial (TX)

In XX/XX/2016, Ameritech Financial contacted me stating that they can lower my student loan payment and guaranteed loan forgiveness within 15 years with their assistance, but none of my monthly payments went toward my student loan balance. As a matter of fact it only went up more because of the interest. The FTC sent me a letter stating that there is an active lawsuit against Ameritech Financial. I contacted the company and they refuse to refund my money back. I have paid {$850.00} to this company with proven bank statements.
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

5 years ago I purchased a home in XXXX Florida. Recently I decided to sell and have a buyer. During the selling process I was notified by the title company XXXX XXXX attached a lien on my house 3 months after I purchased it. I WAS NEVER NOTIFIED! I have never even done business with XXXX XXXX. Now XXXX XXXX is saying it 's Bank of America fault. I have many many requests to XXXX XXXX to straighten this out. They could not even figure out why it was there. My real estate agent, title company, lawyer have not been successful in getting them to sign a release of title, even though they admit that it s what is needed. My contract expires Monday with buyer and I am going to lose my sale. I have talked to 6 representatives at XXXX XXXX, the last being XXXX XXXX ( XXXX ), she will not give me her supervisors name and will no longer answer my calls. I know that XXXX XXXX has fraudulently attached to my title, and a simple release of title will fix this but now it is to late to save my sale. XXXX XXXX has caused both monetary loss and emotional stress unfairly to me. I am being penalized for BOA/XXXX  XXXX mistake. This is unheard of! This is negligence, it 's fraudulent. How could a bank, mo this after a home is purchased, accidental put their name on a title!!!????? If the CFPB is really here to help consumers, then this is a perfect case!
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Holloway Credit Solutions (AL)

The credit bureaus stated that my accounts were properly investigated which is not the case the open date is inaccurate, the date last active is inaccurate, and last date reported is inaccurate. 
violation of the fair debt collection practices act violation of fair credit reporting act
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back on XX/XX/XXXX I mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX credit reported to the credit bureau 30 day late payment.I wasnt late, it was a bank error with my funds being processes. I contacted XXXX in XX/XX/2020, for a goodwill and they denied. Due to not having document from bank. On XX/XX/2020, I submitted a letter head statement from the bank in regards to my payment history and the error which was made.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NJ)

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (OK)

The CBE Group INC-Former at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2023-01-18
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. (NY)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX end, violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, or report amounts once the account has been closed arbitrarily.

15 USC 1666B : A credit card account under an end consumer credit plan as late for such purpose
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

UNAUTHORIZED INQUIRY ON MY CREDIT FILE FROM THE BELOW LISTED XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX/XXXX  XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am disputing the inaccurate information on my credit report regarding my account with XXXXXXXX XXXX XXXXXXXX XXXX. Upon contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. The bank has agreed with the status of the accounts as " Open, Never Late, '' but I have not received the updated statement due to it being sent to the wrong address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am XXXX XXXX. 

In XX/XX/2021, my credit card account with Capital One was closed without prior warning or to my knowledge. 
( Capital One, Attn : Payment Processing, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ) They said it was because of 3 returned payments but they'd taken me off of electronic communication so I had no idea what was going on. The card was secured so it was paid off but they refuse to reopen it unless I reapply. It is negatively effecting my credit report and I I deserve to be treated better than that after a 5 year relationship with them.