davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I closed a loan with the Bank of America in XX/XX/XXXX to purchase a home in the City of XXXX, MD. The title, Deed, Deed of Trust, and Deed of Trust Note were notrecorded with XXXX XXXX by the title company, so the title is not in my name. I did not purchase title insurance for myself, but I bought title insurance for Bank of America, the lender, when I bought the house. The title company went bankrupt at least 5 years ago. 
Bank of America required an escrow on this loan, that is to pay taxes, insurance and the payment on the loan. 
The problem is that I rented this home to a family and they stopped paying two years ago. When I attempted to have them evicted, I found that I could not, because the title is not in my name, but in the name of the seller. 
I notified Bank of America that the title was not in my name in XX/XX/XXXX. Nothing happened. I sent Bank of America a QWR noting that they were taking my mortgage escrow payments and paying for a home that is not in my name. 

Bank of America should have known this since they were annually updating the taxes to be paid. They would ordinarily check to see if the home ( their security ) is in the borrower 's name. Apparently Bank of America did not. 
I contacted CFPB XX/XX/XXXX. This is Case number : XXXX. 
I believed that you closed this case or deferred it because Bank of America told you that it is in litigation with me over this matter. I am now not in any litigation over this matter. I wanted Bank of America to provide me some financial reduction in the loan because of the losses that I incurred due to not being able to earn any income on the property. I must pay {$1500.00} a month on the loan, but have no income. Bank of America refused. So I signed the document to replace the lost documents in order to record the home in my name. So I have no litigation with Bank of America concerning this loan. 

However, as of today, the home has still not been transferred under to my name. Bank of America is taking my money, and has no incentive to finish the process of placing the home in my name, so that I can manage the home. 

I am current with the mortgage note, because I do not want to have bad credit. Bank of America is taking financial advantage of me. They wo n't place the home in my name. The attorney that the title insurance company hired to represent Bank of American is acting slowly. Bank of America wo n't reduce the debt ( the value of the home is now {$100000.00} and the debt is {$210000.00}, the home is in a declining area ), and Bank of America wo n't even let me refinance under HARP to reduce the interest rate from 7.5 % -- because the home is not in my name. 
This can not be a publicly acceptable response by Bank of America on one of its mortgage loans.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

CONTACTED EACH OF THE CREDITORS AND REQUESTED PROOF OF THESE INQUIRIES, WHICH ARE ERRONEOUSLY SHOWING ON MY XXXX CREDIT REPORT. 

THEY DO NOT SHOW THESE REQUEST UNDER MY PERSONAL INFO PROVIDED TO THEM.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (FL)

This company continues to harassment me.by repeated calls to me, family, employer, friends and neighbors. I has asked them to stop calling and harassing me several times but they continue. I even asked them in writing to stop calling and harassing me and they still continue to do so.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sentry Recovery and Collections, Inc. (MN)

SENTRY RECOVERY AND COLLECTION XXXX. 

I recently received a copy of my credit report and found that this company is illegally reporting inaccurate information about me. The following alleged accounts is listed as a collection with a PAST DUE balance. This information is incorrect or fraudulent.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (DE)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (GA)

request was submitted to provide the Form1099-C for the settlement of debt cancelation payment of {$2500.00} made effective XXXX 2023 and it has not been received. Also the form of ID that was used to open the account because several letters from this auto loan has come with multiple errors in the name and address which has lead to misleading information, discrepancies an inaccurate reporting on the credit profile.
Consumer complaint received 2021-01-20
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: Phoenix Financial Services LLC (TX)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX LXXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
XXXX provide breakdown of fees including any collection costs and medical charges XXXX a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
Consumer complaint received 2024-03-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo has been a terrible company to work with as evidenced by the recent CFPB rulings and penalties assessed. I feel like my problem with Wells Fargo has not been recognized and I am sure mine is not the only situation. 

HISTORY : After 14 separate attempts between XXXX of XXXX and XXXX of XXXX to modify my {$630000.00} mortgage loan ( loan originated in XXXX ) with Wells Fargo at a rate of 6.875 % on my home valued between {$450000.00} to {$500000.00} -- - {$130000.00} to {$180000.00} LESS THAN MY MORTGAGE -- - Wells Fargo, and the investor XXXX, brought foreclosure proceedings against me in XX/XX/XXXX. 

CURRENT DAY : Most recently in XXXX of XXXX, Wells Fargo sent me a {$200.00} check. I called Wells Fargo to inquire the purpose of the check and I was told that the check was to pay me for " errors in the calculations when modifying your loan. '' I asked for documentation SINCE MY LOAN WAS NEVER MODIFIED and I have received nothing as of today. 

MY LOAN WAS NEVER MODIFIED AND MY LOAN ENDED IN FORECLOSURE PROCEEDINGS STARTING IN XXXX.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (OH)

Robinhood restricted my account and refuses to allow me to get my money from them. 

On XX/XX/2024 I tried to withdraw money from an Atm, which totaled {$500.00} after atm fees. The transaction failed even though I have plenty of money to cover it, so I tried to transfer {$700.00} to my credit union debit card, but that also failed, and robinhood restricted my accounts and refuses to let me have my money.

They have {$4700.00} of mine.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

I caught someone trying to use my debit card number by email. i had alerts set up on my account. i called wells fargo immediately and they cancelled my card. They said they would send out another debit card.. Almost 3 weeks later i still do not have my debit card. I have called wells fargo repeatedly and they said it is on the way. # three weeks is unacceptable. They should have sent this card out priority I just saved them thousands of dollars catching someone from stealing. Now all my bills are late and my credit will suffer because of my auto drafts set up to pay using this debit number they closed.

They have penalized me for catching a criminal and saved them thousands.

Wells Fargo should be awarding me not destroying me... Evidently, they reward criminals for stealing because I am the one suffering.

Solution : Wells Fargo Pay me {$10000.00} for the hassle and to repair my good standing in the credit community. This will cover credit repair and my time.! 

XXXX XXXX
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (OR)

FIRST CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Reported me to collections for debt of {$990.00} thats affecting my credit, they are trying to charge me for something when I was minor, or have the wrong information, now is affecting me for future loans and housing,
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CO)

On XX/XX/2023 I had responded to a notice of a debt via email, by Hunter Warfield, Inc that I was disputing the validity of the debt, and that I was demanding validation of the debt, yet that information was never provided to me upon request. 
In addition, even though I told them via email to stop calling and harassing me via phone calls, they still continue to do so.

I placed a dispute to XXXX and XXXX that the Collection agency were violating the laws, and I never was furnished information regarding the debt, but they have completely disregarded the laws as no additional information was provided to me.

I attempted to dispute the Collection charge on my credit reports a second time, but XXXX stated I could not submit a duplicate dispute regarding XXXX XXXX. They are/have ruined/are ruining my credit.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NJ)

XXXX XXXX indicated that I have a joint account with someone that I co-signed for to get a loan. The account was opened on XX/XX/XXXX. I have never opened an account nor co-signed for anyone to give them authorization to use my information to secure a loan. This account is fraudulent. The account # is XXXX. 

The Home Depot/Citi Bank of XXXX XXXX XXXX XXXX I opened an account with them on XX/XX/XXXX. This account was opened fraudulently in my name. I have never applied for a home depot credit card in my life. The account # is XXXX. 

I am unaware of this debt ; I did not have the opportunity to dispute this debt. Please provide a copy of my signature indicating that I authorized my credit to be ran to apply for the home depot credit card and the mariner finance loan.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2017-10-03
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. (MI)

I received a Credit Report from Experian on X/XX/2017. There are multiple unauthorized requests for my Credit History I contacted Experian and requested they investigate and eliminate inquiries and they refused
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

i purchased an atv from a woman that her husband had passed away. he was the XXXX listed on the title along with XXXX XXXX  as the lien holder. the title was lost at some point but i have a oregon bill of sale, copy of the will stating the wife was the sole beneficiary, a signed and notarized XXXX statement of ownership from the wife, copy of the death certificate. XXXX XXXX  closed down a few years back so i contacted hsbc us and they directed me to the titles dept which will not respond to my e-mails. it has been nearly a month with over XXXX emails sent with no solutions to my problem yet.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

I had some fraud happen on my Wells Fargo checking totally XXXX for XXXX. This is a lot of money and Wells Fargo basically been telling me to XXXX XXXX The person that handled my case gave me his number but for the past 3 days it just been leaving me to voice mail. And when I try to call the regular Wells Fargo number they keep transferring me back and and fourth just to hang up on me. Then this other lady told me the other investigator said it will take 120 days and they still havent gave me provisional credit! Under the fdic and laws they need to give me provisional credit. I would like the cfpb to retrieve my money back! I also am gon na go to the biggest news outlets and post this all over social media! This bank is a total scam! And they arent following any fdic impose rules!
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX i applied for a capitol one credit card and was approved with a XXXX limit. i recieved and attempted to activate the card by phone was told there was fraudulent activity and i needed to apply for a new acct. I did and was approved at a much lower threshold of XXXX, which means my credit was affected. again i recieve the card attempt to activate it and was told there was fraud on the acct and it was cancelled, I ask what fraud? they cant tell me but advise me to go to a local branch In XXXX XXXX XXXX and XXXX XXXX. I went XXXX and met a gentleman by the name of XXXX XXXX ID # XXXX who copied my IDs and called the fraud dept and faxed them my ID copies to XXXX, a XXXX on the phone by the name of XXXX ID # XXXX advised after 2 hours on the phone there was nothing they could do and advised me to reapply a 3rd time for the same card, We both were agast and I asked why if I was fraudulent why would they want me to apply for a credit card again, her reply was that i was listed as deceased even though i was at the bank with ID and was verifiable .... I left there and contacted XXXX and they called capitalonebank Fraud dept while i was on the phone with them and they verified and corrected this person on the phone several times and stated that there info was incorrect and that i had long since established I was not decedent and that the SS XXXX would contact the bank and notify them of my death, which they had not. again no answer but to reappy ... fastforward to today XXXX/XXXX/XXXX i call the fraud dept to get a disposition and after speaking to the XXXX person who claimed to be managers they advised me that nothing else cpould be done. Yet they accts and inquirires all reflect on my credit report and i still have no answer can you please forward an in quiry thank you XXXX XXXX XXXXXXXXXXXX, cell phone XXXX
Consumer complaint received 2024-02-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CARD Corporation (SC)

So I got a card.com card because the designs are different from the banks and it was a pretty card which I thought would be great, boy was I wrong. I had my income taxes directly deposited to my account. By the third time I used this card it was declined. I called customer service which told me the there was a hold on my account and I needed to fax over a copy of my ID, my social security card, a bill with my name on it and my last deposit to my card. I did that and was told in 2-3 business days the hold would be released. Needless to say the hold has still not been lifted. Now I have no access to my income tax, Ive sent in the documents that they have requested three times already and each time they seem to find something wrong with the documents that were sent. First they said my water bill was not sufficient so I resent everything this time adding a light bill. Then they said my last deposit to my card which was a XXXX XXXX transfer wasnt sufficient and that I needed to send over a statement. Being that this is still the month of XXXX the statement for XXXX XXXX isnt available for XXXX yet which would show my last deposit to my card. It has been a week now and I've asked to speak to a supervisor every single day that Ive called and every time there is never one available. I have XXXX kids in my home and I have no way to access my funds on this card to feed them. As of right now my lights are disconnected due to me not being able to access my funds to pay the bill. I would never recommend this card to anyone. Hopefully my funds will be released but I don't have much faith.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (FL)

Traffic citations that were reported and was sent to collections, they had incorrect address XXXX, XXXX  thing is the whole profile is inaccurate. They opened a case and I submitted supporting documentation to prove to them that it is not me. this is blocking employment opportunities for and my future down the line. I told them to provide me with evidence it was me
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NM)

I tried to pay my account in full and they acknowledged the full payment by email on XX/XX/24 but didn't process it because they are in financial trouble and could be insolvent. HELP!! HELP!! PLEASE, THANKS!
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid off an old Credit Card Debt and was told it would be taken off my credit and not listed as settled. It is now listed on my credit as : Charged off as bad debtDispute resolved ; reported by grantor This is damaging my credit and would like it to be resolved and taken off since I paid the full asking amount that they where asking.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (PA)

I have XXXX old accounts with comenity bank the first account is for XXXX XXXX  which the company went out of business nationwide. And the other account is with Victoria Secret. I send out a certified letter to comenity bank to verify debt this comenity back sign the letter but didnt respond back with XXXX  days and didnt filled out the the documents that I send to the company back me to verify proof of theses balances and also this debt is old both of theses accounts was closed XXXX XXXX XXXX  its now XXXX personally by me by law In Pennsylvania, there is a XXXX ( XXXX ) year statute of limitations credit cards etc. ) The XXXX years usually runs from the last payment made on the account. I will attach letter that was send out.