davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
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: Universal Recovery Corporation (CA)

Where do I start. This is my SECOND complaint against XXXX XXXX. The first one in XX/XX/2020, they were very rude and disrespectful to me and of course that issues wasn't reply to. Now here we are again. I have a letter from them stating that the balance is {$77.00} and the interest was {$3.00}. Now when I call to pay the amount, XXXX is trying to tell me I owe {$200.00} XXXX!! I will gladly pay the {$77.00} but I AM NOT gon na pay more then that unless they can show me proof as to why the total has changed since the letter I have received from them on XXXX XXXX.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I tried to purchase an item ( XXXX XXXX XXXX ) on XXXX XXXX  for a sum of {$130.00} on XX/XX/2021. The seller agreed to a XXXX transaction which cleared XX/XX/2021. The seller stopped responding to my messages, deleted his facebook profile ( and the listing ), and never sent the item. 

I opened a claim with my bank ( Bank of America ) on XX/XX/2021 and submitted a claim through IC3 on the same day. Bank of America contacted the recipient 's bank ( XXXX XXXX  ) but claimed that XXXX was not able to refund the payment to me. The claim was closed on XX/XX/2021. 

I contacted Bank of America again on XX/XX/2021 but they told me that nothing more could be done.
Consumer complaint received 2021-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

The problem I am currently having is with Freedom Mortgage " Loss Draft '' department. We live in XXXX, Texas, and our home was severely damaged during the ice storm event in XXXX of this year. 
( XXXX  XXXX  ). My issue is, that Freedom Mortgages Loss draft department refuses to endorse and return my second and final insurance settlement check of {$5100.00}. We went through this with them regarding the first initial payment of {$9700.00} dollars. They held the first check, stating I was behind on my mortgage, and they weren't going to release it. I did file a complaint thru CFPB regarding that issue, and they returned the check within a week of initial complaint. Repairs got started. I sent the insurance agency the requested pictures of the completed repairs to floors and bathrooms and walls. Insurance company was satisfied with the pics of the completed repairs, and released the remaining {$5100.00} to me. Freedom Mortgage is WITHHOLDING this check from us, and refusing to endorse it, withouit an W-9 from the contractor. This is just ridiculous, when I have provided acceptable proof to the insurance company. When I contacted Freedom 's Loss draft department today, I got nothing but a hard time and total disrespect from the agent I spoke with just a few minutes ago. I am a 14 year Veteran of the United States XXXX XXXX, and this is a VA secured loan, and I honestly don't appreciate this treatment from the LOss Draft department. My wife is suffering from Covid related congestive XXXX XXXX and XXXX XXXX XXXX XXXX, and this stress has put her back in the hospital, under life threatening conditions. Please, for XXXX 's sake just endorse this check and send it back to me. We have lighting work to be completed, and some more wall painting. I do intend to file a complaint also with the mortgage assistance bureau out of XXXX, Texas. We just want this " XXXX of XXXX '' check to be endorsed and sent back, in an extremely timely fashion, so we can spend it as intended, on completing necessary home repairs, PLEASE!!
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (CA)

COMPLAINT AGAINST CITI BANK 'S FEMALE XXXX TEAM MEMBER Citi bank 's XXXX office people are equally crooked as their call center operators, and that is what the bigger problem is here. CitiBank 's crooked female XXXX opeartor has emailed me a single PDF response regarding CFPB complaint numbers Case # XXXX Case # XXXX Case # XXXX The content of the PDF response is misleading and contradictory to what the citi 's XXXX team member told XXXX over the phone. Citi Bank 's XXXX team member knew that the info provided to me by their call centere operators were wrong and misleading, she knows it... however it is her job to cover up those call center operators because otherwise it goes against Citi 's image so she had to say, everything is and was fine and follows citi 's policies. I am not XXXX, Citi! The exec 's email pdf response contradicts to what she told me over the phone yesterday. Citi 's female XXXX operator is herself lost fabricating stories to cover up the call center operators. 

Neddless to say, some concerens were not even addressed at all in the PDF response I received from Citi.
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I received my Citi Diamond Preferred credit card statement today XX/XX/2020 which showed that I had a charge of {$30.00} and a late payment fee of {$29.00}, almost 100 %, which is surely usury. I never received the previous bills. The company insists that it sent out the previous bills, but I never received them. I pointed out that we are in the midst of a pandemic, and the Post Office is short staffed and having problems delivering mail. I spoke to two representative at the credit card company, plus one supervisor, and they all assert that they are unable to reverse the late payment fee. This is particularly egregious since I am a senior citizen and do not like the way that I am being treated. I have had this account for over 20 years and always paid on time.
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

review the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (IN)

On XX/XX/XXXX, OCWEN LOAN SERVICING reported Account no. XXXX as " Over 120 Days Past due mortgage '' to all three credit bureaus ( XXXX, XXXX, and XXXX ). I filed bankruptcy and included Ocwen on XX/XX/XXXX. The bankruptcy was granted and discharged on XX/XX/XXXX.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 at XXXX XXXX, an agreement was made with XXXX XXXX, a compliance manager for XXXX XXXX XXXX XXXX, that states upon receiving the payoff check for the amount of {$6100.00} for the vehicle loan, the account status will be reported as ( paid as agreed ; closed ) to the credit bureaus. This conversation was recorded by XXXX XXXX XXXX XXXX and I. The payoff check was received by XXXX XXXX on XX/XX/2023 at XXXX XXXX
Consumer complaint received 2020-11-26
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: EQUIFAX, INC. (GA)

I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's credit report.
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have attempted multiple times to dispute a fraudulent unsecured loan/account, in the reported amount of {$6500.00} ( please be advised that the reported amount may change or vary from creditor ). I am the victim of identity theft and did not make this charge from USAA Federal Savings. I have requested that the charge be corrected and removed from my file, and blocked in its entirety from being reported on my credit file, following consumer rights from The Fair Credit Reporting Act ( FCRA ) and in conjunction with providing a valid copy of my FTC Identity Theft Report and Police Report. In the month of XX/XX/2019, a debit/bank account was opened with USAA followed by an unsecured loan that was taken out using my information. I had no prior accounts with USAA. I was not made aware of this action until XX/XX/2019 when I reviewed my credit report. Immediately I contacted USAA, in order to dispute this action. USAA did not notify me of the account via email or telephone. There was no way for me to know about this account unless I reviewed my credit report. At the time of the loan being taken out, address information was not correct that was on file with USAA. I updated address information with the post office immediately after moving so any information should have been forwarded. Im unsure if USAA even mailed anything out pertaining to the account being opened. After the incident, I notified the major credit bureaus, in order to place fraud alerts and credit freezes on my report, as well as contacted the FTC to report the identity theft. Following this, I contacted the police department to file a police report of the incident. 
I provided USAA with a copy of the FTC Identity Theft Report and the Police Report supporting my position and asked them to Please investigate this matter and correct the fraudulent charge as soon as possible. I have sent our various documentation and statements regarding this fraudulent charge, as well as disputes made and requested a response from USAA in writing, but they have failed to contact me. It has been over a year and USAA continues to report the fraudulent account to the major credit agencies and refuses acknowledge the account as fraud, despite the multiple disputes from myself and the credit agencies, as well as the valid documentation provided. I have been contacted by three different collection agencies regarding paying this loan and each time I provide a copy of my police report. A detective working on my case has also reach out to USAA, who have been difficult in communicating with.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Transunion any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction I am complaining about.
Consumer complaint received 2021-07-07
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. (VA)

There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX Management in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/21, I found out that someone filed unemployment benefits in my name. I contacted the state agency. They advised me to visit identitytheft.gov. Following the prompts on that website, I decided to freeze and put fraud alerts on my 3 credit reports. 

When I got to Transunion, I was required to create an account and it said I could view my credit report so I did so. When I viewed it, I saw various " Account Review Inquiries ''. See attached. This listed the inquiry I made that day, XX/XX/21 ( via " Transunion XXXX '' ) as well as other inquiries that seemed plausible ( for example, XXXX, with whom I have an account ). However, it also showed me as having viewed my own credit report at least 3 other times via " Transunion XXXX '' over the last 3 months. This had me concerned someone had managed to get unauthorized access or create a Transunion account in my name. I could not tell if this is another " symptom '' of someone stealing my identity or if this is how aspects of my identity were stolen. 

I called Transunion. The first person took my information and said that she could only see the inquiry on XX/XX/21, not the others. She also indicated that the e-mail address I gave was the only one connected to the account. She said I should talk to " Disputes. '' The person in " Disputes '' said there was little point in disputing an account review inquiry because it didn't affect my credit score. I explained that I didn't want to dispute it per se, but rather needed Transunion to prevent other people from accessing my credit report. She told me I'd have to call " Transunion XXXX '' ( saying it was a separate company from the " Transunion XXXX XXXX' she worked for ) and gave me a different XXXX number. That number in fact routed back to the same Transunion main menu. I got a third person who offered to delete my online account but could not otherwise help.
Consumer complaint received 2021-07-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NJ)

After having paid SN Servicing Corporation {$24000.00} in " Trial Payments '' and Good Faith Payments from XX/XX/XXXX to recently XX/XX/XXXX and not having missed ONE payment and having them falsely charge me late fees ( I have all my bank statements and Postal receipts to prove they received payments before the due dates ) they have offered me a bad loan ( I have consulted with ten different financial and legal firms who all confirm it is a bad loan mod ), and because I filed Chapter XXXX and I have questions concerning this loan mod, SN Servicing Corp REFUSES TO SPEAK WITH ME TODAY AND the Bankruptcy Firm that I filed with REFUSES TO RETURN MY CALLS. I need help.
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

I submitted a complaint in regards to New Rez with the CFPB in XXXX of 2020 Complaint # XXXX I received a response from the company in regards to the complaint where it stated they would spread the escrow shortage/mandatory XXXX. escrow cushion out 60 months instead of the usual 12 months. They said this would be done once our automatic enrollment in the companies forbearance covid plan was over. This automatic enrollment ended on XX/XX/2020, I expected ( as they said they would do automatically ) to receive a new mortgage statement reflecting the changes they said they would made in order to pay XX/XX/2020 mortgage payment. However, I have yet to receive any new statements and when I call the escalations department on their letter they wrote in response to the CFPB complaint, it asks me to leave a voicemail. I have been leaving voicemails everyday since XX/XX/2020, with no response. When I call the regular phone number for loan servicing, the reps state they can't help me only escalations and that I just have to keep leaving messages. 

Could you please help me get a hold of the correct people to work with in regards to this matter? I just need for them to do their job and respond and fix my mortgage so that I can afford it, the way they said they would in regards to my initial complaint. 

I have even called and asked for XXXX XXXX, the lady from their company that responded to the initial complaint, and the representatives responses are all the same ; they can not contact her. I just need for them to fix my mortgage so I can pay.