davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (IN)

I had a house that was foreclosed in XXXX or XXXX. The house sold at a sheriffs sale for less than I owed. In XX/XX/XXXX a judge granted Dietech mortgage a judgement against me that I had no clue about. I own outright a home in XXXX XXXX Indiana on XXXX XXXX XXXX. I sold this home and made an accepted cash offer on another home af XXXX XXXX. Upon a title search by XXXX XXXX during their second search the judgement for Ditech showed up. XXXX XXXX Attorney XXXX XXXX, myself, XXXX at XXXX XXXX and XXXX XXXX at XXXX XXXX have all been engaged in numerous three way calls to Ditech and even their attorneys and Ditech has incompetently turned this into a fiasco that has yet resolved. We all were seeking a payoff amount or letter stating the amount of a release of the judgement sent to XXXX XXXX so we can close. Ditechs incompetence in this matter has resulted in delay of closings on two properties, contractors not being able to start, utility transfers of service being scheduled and rescheduled, movers canceled, realtors not receiving their commissions, and the list could go on. Ditech said the loan is closed, and referred us to various internal department heads, various external companies and turned this into a fiasco due to their lack of knowledge of a judgement. At one time Ditech referred Attorney XXXX XXXX and myself to XXXX, one of their Department heads who didnt even know what a foreclosure was! XXXX XXXX The Attorney for XXXX XXXX XXXX hopes to get a call from someone who can assist in this mess! The number to XXXX XXXX is ( XXXX ) XXXX. Help us please it has been a mess!
Consumer complaint received 2021-01-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Upon pulling my credit report, I noticed that XXXX reported two accounts that I have no knowledge of with the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies. I did not get either request fulfilled. The account was removed from my XXXX  report but still remains on my Equifax and XXXX  with payment history inaccuracies. The payment history states that I was on time in XX/XX/XXXX, but 90 days late the following month, in XXXX. Also, from XX/XX/XXXX to XX/XX/XXXX it states that I'm 120 days late each month. How is this even possible or allowed to come back as being accurate?! This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: 90 Day Credit Experts (NY)

On XXXX XXXX XXXX I attempted to sign up for a credit repair service with 90 day credit experts they made it all sound so good a one time charge of XXXX bucks and no money had to be even paid upfront when it came to signing got documents the documents would not load on my end so I was unable to sign for anything or read what I was actually signing up for, they said no problem we ll just sign for you which is fraud in itself but at the time I wasnt thinking about it and just wanted to get started repairing my credit fast forward two months I see an account that I owe XXXX for from a company called denefits when I called and asked what this was about they said we are the billing company for 90 day credit experts, not only did they fraudulently sign documents for me but they also mislead me on everything that was happening this needs to be removed from my credit report it is ruining my life
Consumer complaint received 2021-08-31
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: Mercedes Benz Financial Services (OH)

This lender has failed to release the lien on my auto title despite the loan having been paid in full for over the 30 days permitted by state law. The loan was paid off on XX/XX/XXXX, and I have made multiple requests for the clear title. I called again yesterday ( XX/XX/21 ), and was again informed that the title has not been released, with no answer of when I will receive it. This has now resulted in TWO deals that have fallen through where I have arranged to sell the vehicle, but the buyers have backed out due to not having the clear title in hand. I will be filing a lawsuit as a result. They are in violation of state law by not releasing the lien within 30 days of the loan being paid in full, and for the monetary loss I have sustained by being unable to sell the vehicle that I rightfully own outright.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (WI)

I have not as yet received my annual property tax check from BB & T dba Truist. 
Normally I receive the check in the third week of XXXX. This has been the case since XXXX. No check has been forthcoming for XXXX. My property taxes are due nlt XX/XX/XXXX. 
I called BB & T/Trusit just before Christmas XXXX and was told the check would be mailed that week. 
On XX/XX/XXXX no check had arrived so I called again. I was told that the check had been mailed but would be cancelled and a new check mailed. 
On XX/XX/XXXX no check had arrived and I again called BB & T/Trusit. I spoke to customer service agent XXXX and was informed that again the check would be cancelled and a new one mailed. 
On XX/XX/XXXX still no check had arrived and I called again. I spoke to customer service agent XXXX who informed me that a request to cancel the check had been placed in BB & T/Trusit 's system on XX/XX/XXXX, had been actioned on XX/XX/XXXX and that the check had been mailed directly to the local municipality. I informed XXXX that was not the usual process, that the check was normally mailed directly to my home address and then I would then pay the property taxes myself. I further explained that the check provided by BB & T/Truist rarely met the property tax bill and that I would pay the remainder out of pocket at that time. Sending the check directly to the municipality would probably not meet the bill and leave me in arrears. I asked to speak to BB & T/Truist 's tax department but was told that was not permitted. She placed me on hold while she escalated the matter to her supervisor. After being on hold for 17 minutes she advised me that her supervisor was not available and would call me later on XX/XX/XXXX. No call was received from any supervisor. 
On XX/XX/XXXX I again called BB & T/Truist and spoke to customer service agent XXXX. I went through the whole matter again with her. She placed me on hold while she escalated the matter to her supervisor. After being on hold for approx. 12 minutes she advised me that no supervisor was available as they were all in meetings. She offered to have her supervisor call me later this date. I requested that she do so but also explained that I was submitting this complaint to CFPB, HUD and any other government mortgage regulatory agency I could find. Having heard that XXXX asked me to repeat which bodies I intended to submit my complaint and I obliged her. 
I would respectfully request that this matter be investigated and that any results be shared with me. Thank you in advance for any assistance.
Consumer complaint received 2022-07-22
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. (IL)

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 XXXX has me at a score around XXXX. 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation (GA)

I have lived in my home for several years. I initially had XXXX mortgages ( $ XXXX and $ XXXX XXXX but they were ultimately combined to XXXX lender, as a part of the nationwide foreclosure fraud finding matter. My mortgage was modified and I have paid XXXX note for over XXXX years to XXXX lender. In the last year, I started receiving notices from different lenders advising that I was behind on the $ XXXX mortgage. Ultimately those lenders morphed into XXXX XXXX XXXX XXXX XXXX, as Certificate Trustee on Behalf of Bosco Credit XXXX. When I advised that I knew that there was only XXXX mortgage because it had previously been combined by XXXX, they could offer nothing to support otherwise. I confirmed the same with XXXX, where a supervisor advised that the loans were combined. They still however took me to court where I appeared pro XXXX and a XXXX XXXX Georgia XXXX XXXX awarded them by home, I have appealed. The court never allowed me to present evidence from XXXX that would have supported my assertion. But I have researched them and this appears to be their modus operandi all over the country, swooping in claiming that homeowners have defaulted on loans that were modified and they have done nothing to collect on said loans or contact the consumers for many years. It appears to be the second wave of unscrupulous and predatory mortgage lending and collection practices. I suspect that XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX Bosco Credit XXXX bought the paper for my mortgage from a seller who no longer owned it. I am scheduled to go to court on Tuesday to determine the rent I will pay for my home. I need help ASAP!
Consumer complaint received 2023-01-28
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 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 2021-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Credit & Collection Corporation (NM)

Received a phone call at XXXX XXXX from XXXX to inform me that I was going to be served court papers on a civil case for outstanding debt case # XXXX and they were coming to my home and further told me the address. I told them I did not know what they were talking about. They gave me a phone # to contact XXXX which is called XXXX. The woman said she would be at my house in 30 minutes. 

I called them and they told me my ss # and that I owed $ to XXXX which I took out a loan on XXXX for XXXX XXXX XXXX and that I have not paid it back and was a sizable amount and why didnt I pay my bills. 

I do not owe XXXX and I have a closed account with them.
Consumer complaint received 2022-09-27
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
items : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; US DEPARTMENT OF EDU XXXX Balance {$5100.00} ; US DEPARTMENT OF EDU XXXX Balance {$3100.00}.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

My application was denied because it said that I was in a relief program and that is not true. I am not in any deferral program and have been on time with all my payments and never been late. This is not fair and I am willing to go to my Attorney General to get this fixed.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One - XXXX is reporting a debt on my credit fie that i do not owe. I recently checked my credit file and notice this debt, i called immediately and paid this debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.
Consumer complaint received 2021-01-22
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. (NJ)

I originally started disputing negative information on my credit report in XXXX of XXXX. I was receiving responses and notifications for a while. The disputes I sent out on XX/XX/XXXX I have YET to receive a response on! 6 months has passed, I have also submitted another dispute during that time on XX/XX/XXXX, so XXXX rounds in 6 months with nothing from any of the bureaus. I just sent out a XXXX round on XX/XX/XXXX and am trying to patiently wait for responses, but why would the bureaus just stop responding to me out of nowhere? This is not good ethics or customer service at all!
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I was on vacation with family and friends. We got off the ship and someone in the group forgot to bring their ATM card. He zelled me {$360.00} and I proceeded to take the money out of the ATM. The ATM did not give me any money or a receipt but it did go through the process. When I couldn't take out the money I was going to XXXX him back which was within a few minutes, I didn't have the money in the account. I had XXXX pending charges XXXX for {$990.00} and $ XXXX transaction shows a company called XXXX. I tried to call the bank from XXXX but my calls were not going through. As soon as I got back home I opened the claim and they cancelled the card. I have already opened a claim with Truist Bank 3 times and each time it goes under review and their fraud XXXX deny the claim. The only explanation I was given is that because I still had the card in my possession, I authorized the purchase. By what I see on the website of the company it is some type of POS business. I have explained over and over that I tried to take money out of an ATM and no purchases were especially on a POS system while I'm on vacation. I don't know where else to turn because they must have cloned my information at the time I tried to pull money. As I stated before I did not make any purchases in XXXX with my card nor did I receive money from the ATM. The date the transaction was taken out but in a pending status was XX/XX/year> the date that it posted to my account was XX/XX/year>XXXX XXXX
Consumer complaint received 2021-01-22
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. (TX)

I have contacted these companies on why my report was pulled without my authorization and they state they can not give me any information. These include XXXX on XXXX, XXXX XXXX on XXXX, XXXX and XXXX, XXXX on XXXXand XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX XXXX XXXX on XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2022-11-15
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. (MD)

My Account with XXXX XXXX  was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.
Consumer complaint received 2021-12-10
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. (GA)

XX/XX/XXXX According to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. otherwise, anyone paying your reporting services could fax, mail, or email in a fradulent account.I demand to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF ARE UNABLE TO PROVIDE ME a copy of verifiable proof, you must remove the accounts listed below.

I Demand the following accounts be verified or removed immediately. 
1. INQUIRY : XXXX XXXX XXXX  ( INQUIRY XXXX ) 2. INQUIRY XXXX XXXX XXXX ( INQUIRY XXXX ) 3. INQUIRY XXXX XXXX XXXX ( INQUIRY XXXX ) 4. ( Account name XXXX XXXX XXXX  XX/XX/XXXX Account number XXXX Account type Debt Buyer ) 5XXXX XXXX XXXXAccount XXXX XX/XX/XXXX Updated. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
6.Report Number XXXX Date Generated XX/XX/XXXX >Please remove all non-account holding inquiries over 30 days old. 
<Please add a Promotional Suppression to my credit file. 
<Please remove all accounts that are no XXXX XXXX  COMPLAINCE. 
PLEASE NOTE THAT YOU HAVE 30 DAYS TO COMPLETE THIS INVESTIGATION, AS PER THE Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). be advised that the description of the procedure used to determine the ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEARBY REQUESTED AS WELL, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, INCLUDING YOUR METHOD OF VERIFICATION. I DO NOT CONSENT TO E-OSCAR AR ANY MEANS OF AUTOMATED VERIFICATION.

Failure to respond satisfaction within 30 days of receipt of this certified letter may result in small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of Fair Credit Reporting Act 4. ) Financial injury
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (OH)

On XX/XX/2020, I receive an unsolicited Visa debit card from U.S. Bank Reliacard , which lists its address as Cardholder Services, XXXX. XXXX XXXX, XXXX, IN XXXX. I tried to reach the issuer using its phone number but was unable to connect with a representative because the line was limited to digital responses. This is the second such unsolicited card received within the past two months, the other being from XXXX, which I understand is a XXXX affiliate. 

I have written U.S. Bank Reliacard to have the card cancelled and to inform it of the fraudulent issuance. My complaint is that issuers like U.S. Bank Reliacard fail to take appropriate steps to assure that such cards  are not issued at the request of fraudsters who then use the accounts for fraudulent purposes.