davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams, Alexander & Associates, Inc (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : ACCOUNT # XXXX Williams Alexander & Associates Toll Free : XXXX Fax # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU VS XXXX XXXX XXXX , XXXX XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in questionPlease send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) asIf you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo canceled my credit card and raised my interest rate despite that I paid my account on time and paid more than the minimum amount each month. Their reasoning for this is that my debt to limit ratio is too high. However, my original limit was {$25000.00} and as I paid down the debt they lowered the limit so that I was perpetually maxed out. They manipulated my credit and the events to create the situation so that my debt to limit ratio is always high. Had they left my credit limit at the original amount my debt to limit ratio would be below 50 %.
Consumer complaint received 2020-11-23
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: Credence Resource Management, LLC (WA)

-XXXX XXXX contacted the company advised this was a fraudulent account. 
-Filled out form disputing charge advising of identity theft. 
-Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. 
-Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. 
-On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. 
-The company in question is XXXX XXXX XXXX XXXX from NY.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-02-04
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2022-07-20
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. (MI)

In accordance with the fair credit reporting act XXXX  account has violated my rights. 

XXXX : Account # XXXX 15 U.S.C section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NM)

I recently went to a HUD approved home purchasing counselor and had a detailed credit report pulled, there were approx. XXXX negative marks on my credit report from a company named XXXX. There were no account numbers associated with this collection agency or any contact information for them. I Googled the name and I found a XXXX number. I also found multiple lawsuits against this company for illegitimate practices as well as negative rating from the XXXX. I tried to call to find information on what accounts their negative marks were regarding and after having to repeat my ssn multiple times and being told I was not who I said I was since I could not verify the address they had in their files, I was then hung up on by a supposed supervisor. These " outstanding '' accounts are from what I was told medical bills, however, I have never received a single medical bill or collection notice and my address has been the same since 2001. I have had the same doctor since I was XXXX years old, I am now XXXX and have yet to receive a phone call or bill for any services. I have never been notified of any outstanding balaces from my physicians office and should not have any outstanding balances of any kind. These alleged accounts that I can not find any information for are drastically affecting my credit score and need them removed as soon as possible.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I've reached out to Experian regarding updating my address to reflect my current address accurately. The address was once updated to my current address but now it's showing an address I no longer reside at. This information as been reported to my creditors. However, Experian will not update my address to reflect accurately.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates XXXX
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

On XX/XX/20, I moved from XXXX XXXX. I was never late with any payment to them. However in XXXX, I received a letter from a collections agency telling me that I owed {$61.00} to XXXX XXXX for missing equipment. ( XXXX has an exclusive agreement with XXXX to supply internet/cable to their tenants XXXX. I did leave the equipment as instructed by the apartment. I called the XXXX, XXXX told me that, per a signed agreement, I was supposed to return the equipment to the office. I never signed that agreement. I left a message for the manager XXXX to call me. She never did. I called XXXX, they said I owed them nothing. They never placed me in collections. A few days later, I received an email from Experian telling me I was in Collections by XXXX XXXX for {$210.00}. I dont know what I am charged for nor did I ever received a bill. I paid it because of similar horror stories from ex tenants who were wrongly persecuted for years by XXXX. These stories are all documented on their reviews. Along with the reviews, there was a newspaper article relating the same experience. Please do something to stop these illegal practices by this company. This is extra income for them. Please help. BTW, throughout my five years there, I was constantly unhappy with their services.
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (VA)

We signed up for Chase Visa through Southwest Airlines for a special promotion of XXXX reward points if you spend a certain amount of money over 3 months. the problem is they decided now that we signed up for a promotion that only gives you XXXX reward points. they do n't have a record to what you signed up for and never sent us an email stating what reward program we signed up for.
Consumer complaint received 2016-07-13
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I began a loan modification with boa for a heloc XX/XX/XXXX.I recvd signed final mod papers fom boa XX/XX/XXXX boa never closed nor notified me sent new heloc mod papers signed and final by boa XX/XX/XXXX.as of this date XX/XX/XXXX the mod has not been closed and credit has not been adjusted. i recvd letter from boa XX/XX/XXXX stating that credit report adjustment to remove delinquencies from XX/XX/XXXX to present was submitted.boa then put the loan back into default where it is till present stating loan mod has not closed and the 30-60 days is " not a given '' .I have asked for a statement of payment history and have been told by XXXX ( cust relat manager ) that is was sent but have no control over us mail.i requested this over 21 days ago.it has taken boa over 14 months to mod this heloc and per boa is still in the closing process
Consumer complaint received 2016-04-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX RE : Bank of America Home Loans Account # XXXX To Whom It May Concern : We are a mother and daughter team who started a loan modification in XX/XX/XXXX and after completing numerous applications we are no closer to having this happen and are being threatened with a foreclosure. 

We have submitted several QWR 's and have not received the entire documents requested. Over the course of this process, we have been assigned more than XXXX member representatives, after being told in writing by the CEO, we were being assigned a representative that would be with us through the entire process of the loan modification. We were told on many occasions that the documents we sent to BOA, via XXXX XXXX or by BOA fax were not received, resulting in starting new loan modification requests. 

I am a XXXX survivor with a XXXX and during this process have become XXXX and XXXX due to this XXXX process Bank of America continues to inflict. My daughter XXXX became ill and was diagnosed with having had a XXXX XXXX. Over the course of this process, she has had several more and can no longer work. She has now been diagnosed with an XXXX. We would like to keep the home I purchased XXXX years ago. 

I went to XXXX County Housing seeking help and was informed by XXXX XXXX, the Director of the XXXX program, that the loans on my property were illegal. The XXXX program was how I became a XXXX as a young XXXX mother of XXXX. XXXX XXXX provided me with a copy of my deed and explained that there are restrictions on the property that would not have permitted the loans to be approved. Although with each loan we paid for a title search and title insurance to the lender the searches were either not completed or ignored. Had the title searches been performed and reviewed, the person ( s ) doing the search would have informed the lender of the restrictions on the property. Thus, they would not have approved and completed the loan request. 


I explained this to my lenders XXXX XXXX XXXX XXXX and Bank of America. After XXXX XXXX researched the information and reviewed the deed, they have given us a Lien Release as paid in full. To date, we have not been able to get Bank of America to reply to or acknowledge our requests for the same. 

We are both, me at XXXX and XXXX at XXXX, dealing with XXXX and do not want to be homeless. So, we are imploring CFPB to help us. It has been a very difficult three years with all the game tactics Bank of America has invoked upon us. 

We are now in a time restraint and would like to hear from you and praying for a solution. 

Warm Regards,
Consumer complaint received 2024-04-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I did an online order from Best Buy and never received the product. They said a delivery person delivered it and had a picture of it on my porch. I never got a confirmation from them so I wasnt looking for it. A couple days later I realized I never received the order and called them to confirm that I never received it but they keep insisting I did. They said I still have to pay for it and have the police find it.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates XXXX
Consumer complaint received 2016-11-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have complaint about fraudulent practice of bank of America before 2014 they give a called loan modification in this loan modification was only for the purpose of taking my house tile and putting into their name I hired a lawyer but they only XXXX me out he told me that my only option was to sign the papers and in a year if I make my payments I will be able to get another loan modification or rifanance I try to get them to help me but they wo n't called me I tray XXXX but it 's the same it looks like their fraud was well done with the help of the lawyer I got to help me my regular payment was XXXX I was never late even I m in XXXX and my income is limited I did n't know anything about this vacate final judgements I got this paper today and las Tuesday last Tuesday I called the clerk of Cort but they say there was not recorded as bank of America is discriminate against me and if for some reason my helth gets worse I blame bank of America for his fraudulent practice against my person
Consumer complaint received 2022-07-20
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. (NV)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2016-01-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CATHAY BANK (NY)

I have had a basic, no monthly fee bank account with XXXX Bank until around middle of 2015 when XXXX Bank was acquired by Cathay Bank and all the XXXX Bank accounts were transferred under Cathay Bank. My account was also transferred under Cathay Bank but instead of the same basic no monthly fee account I used to have it was the type with $ 15 monthly fee. When I opened my bank statement from Cathay Bank and saw the $ 15 monthly fee, I decided to go the bank branch and inquire about the fee. The manager said the bank has sent all customers about the account type change and refused to refund the {$15.00}. I believe from a matter of principle what Cathay Bank has done is not right.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I received loans to go to school at XXXX. They closed before I was able to complete my degree. Navient started calling in collection notices before my alloted time to be in school was over ( the XXXX months you are allowed to be outside of school before collection begins ). Since none of the schools I could transfer credits to had the degree plan I was originally working towards, I decided to get my loans discharged. Since I filed with Navient they have been running me around, saying that something was n't filed XXXX time, that I was n't in school long enough to qualify for loan discharge - which I clearly was - and generally saying anything they can to deny my clear legal right to have my loans discharged. I was able to get them to allow a period of time before I started paying, which I have no plans of doing, in which I will be seeking legal consultation if possible on what to do. In the mean time, they are holding my credit XXXX and are suggesting that I file bankruptcy since I ca n't pay these loans. Navient is the worst and needs to be shut down!
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: WELLS FARGO & COMPANY (WI)

Unable to access my account online ( mobile phone ) since XX/XX/2023. Had a XXXX card with XXXX. Apparently XXXX was taken over by Wells Fargo. 
I had no choice in this. 
I was told by Wells Fargo that I can activate my Wells Fargo Master Card on XX/XX/2023 which I did and the credit is working However, I put the Wells Fargo app on my phone but cant access my account. After SEVERAL phone calls and speaking to Several different people and getting different responses why I cant access my online account ( like my phone number didnt transfer ) Im extremely frustrated and anxious about not being able to see my account. I need to be able to access my account. I havent been able to see it since XX/XX/2023. Please help me get this sorted out. Thank you. XXXX XXXX