davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( XXXX ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (IL)

On XXXX XXXX, I contacted Check-N-Go ; to inform them that I could n't pay the remaining of my Loan ( {$400.00} ) that is scheduled for TODAY ( XXXX XXXX ) ; due to the fact my Checking Account that is linked to my Debit Account was hacked. I was told by XXXX ( Customer Service Representative ) to contact on Monday, XXXX XXXX to speak with a representative to schedule the payment for a different Date. When I spoke to a Representative Today ( XXXX ), I was told the funds were already taken out ; after I had stated that when I was to schedule the payment, I was to contact Check-N-Go on Monday, XXXX XXXX personally to schedule the final payment. I did NOT authorize Check-N-Go to automatically take the funds out of my Debit Card. Therefore, I am filing this complaint as Check-N-Go showed complete disregard for my request.
Consumer complaint received 2016-01-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

This person keeps harassing me, my husband who took the loan and my family and friends. First of all, my family and friends have no need to know about our personal and financial manners. 
Today I received yet another call telling me they would take legal action if I did n't make a payment, unfortunately, my husband is unemployed and I sometimes not able to put food in the table by just my income for a family of XXXX. She continued that my husband must receive income and that I was lying and just continued that she knew where I lived, where I worked, who my family was and was going to legal action and garnish as much wages from my income. When I told her I had already submitted a report regarding this company and would submit another one she hung up.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: U.S. BANCORP (IL)

I am being harassed methodically about a debt that was created with accounting fraud and bank fraud, pursued with threats, mail fraud and wire fraud, and which continues to be pursued by US Bank which largely just got rid of regulatory issues with CFPB and FTC falsely claiming to have dropped the dispute. At this point, I continue to be contacted offensively constantly. Reference has been made to the bank continuing the false claim that there was a basis for the debt, in self absorbed gross misconduct XXXX that continues to have as its only substance generating criminal disturbances by every method possible with the bank. 
Which was told to cease and desist collections and refused to do so or cooperate with dispute debt collection law, or any other law as of XXXX/XXXX/15 and since, and cease contact entirely, at which time the bank started contacting me constantly demanding I " cease contact with the bank ''. 

Which continues to have no substance but criminal disturbances conducted like an orgy that has no end, and appears to have changed my residential mailing address because it has to cover up how brilliant it is living possible next door in my apartment building. 

I need my US mailing address removed from the abuses of US Bank and its employees, particularly for tax information I reportedy can no longer get on line, and for any other purpose by US Bank. I need US Bank removed from its continuing harassment of my XXXX mail at the Post Office I have been using for years, and the war it has created with postal employees who keep redelivering refused US Mail that US Bank keeps sending back. 

Reference to refusing to drop the dispute happened as a slip to CFPB repeatedly. 

Its responses to CFPB are no different from the contact with me, which is the sole substance continues to be an orgy of gross misconduct criminal disturbance damage infliction. 

It continues to falsify inflammatory claims to third persons to manipulate the no examination of the claims made, which are massively repetitively fraud, and so a criminal event escalating in severity as an orgy. 

I am continuing to be threatened about fabricated debt and forced illegal criminal harassment contact by US Bank by every method possible and working third persons including the XXXX US Post Office.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-06-01
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ability Recovery Services, LLC (MD)

On XXXX/XXXX/15, I contacted ARS ( Ability Recovery Services ) and spoke with a XXXX XXXX to discuss a settlement request for less than the balance owed. At that time I was informed that my balance could be reduced by {$340.00} and I declined and informed her that I could not pay that amount but could pay {$1000.00} as my offer was also declined. I further informed her that I would be making several payments towards the {$1000.00} and we discontinued the call. XXXX XXXX, 2015, I received a voice mail message from XXXX XXXX asking for a return call. I called and spoke with another representative explaining my situation and he asked me did XXXX ask me/offer monthly payment arrangements and I told him no and he then transferred me to her. I asked the reason for her call BECAUSE I NEVER GAVE HER PERMISSION TO CALL ME and she stated that she wanted to verify if I was still going to make a payment. I informed her that I did not give her permission to call me and reiterated our last conversation and she then began to display her ignorance by raising her voice and being sarcastic, accusing me of not wanting to make a payment, and I became upset and also displayed my ignorance. She hung up the phone and I called back to speak with a supervisor and they transferred me back to her and the argument started again. 

If I never had any intentions on paying my debt ; why would I contact them? I refuse to be bullied by a debt collector or anyone else for that matter and the lack of respect, professionalism, and harassment is unacceptable. I never made an agreement to pay a certain amount or within a certain timeframe and I specifically informed them not to contact me by phone.
Consumer complaint received 2015-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I owned XXXX % of a property with XXXX and XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Texas. In XXXX 2015, I obtained financing and paid off the Ditech mortgage and became full owner of the property. Prior to closing Ditech informed XXXX XXXX that they did not collect enough money from the existing impound account to cover the property taxes which resulted in a {$2500.00} shortfall. Ditech demanded the {$2500.00} tax shortage be paid through escrow prior to closing the loan. I spoke with Ditech Customer Service Supervisors and I was told there was an existing impound account and if I paid the tax shortage through escrow ALL the taxes would be paid directly by Ditech to the State of Texas. Upon receiving this information from Ditech, I proceeded in good faith and paid the tax shortage and the Ditech loan was paid off. Currently, Ditech is refusing to pay the taxes they have already collected and instead, are sending the full tax payment to my partners as a tax refund! Clearly, this is a violation of my consumer rights. The taxes were collected through the impound account, I paid an additional {$2500.00} for property taxes. XXXX XXXX is holding an additional {$6400.00} in an escrow account because the Property taxes have not been paid! If Ditech does not pay the property taxes, Ditech has deliberately misinformed me and collected funds based on false statements made to me.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My identity was stolen beginning in XXXX XXXX 2015 in which an individual ( s ) attempted to open multiple lines of credit in my name with out my consent. I reported this to the XXXX main credit bureaus some time around XXXX 2015. I still have XXXX credit inquiries on my credit report that are a result of the identity theft issue. I need those removed from my credit report.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank, during the month of XXXX 2015 closed my Amazon Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Amazon Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Consumer complaint received 2015-12-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I have auto insurance, banking, and a homeowner 's policy with USAA. I am a XXXX vet who has trouble with short-term memory ( service connected at 90 % ). Last XX/XX/XXXX ( approximately ), my auto policy became wonky and there was some misinformation going back and forth. I spoke to someone in XX/XX/XXXX as I got a notice of cancellation. She helped me square things away, and stated the policy would not cancel after I made a payment over the phone. She also helped me change the billing date to XX/XX/XXXX, and explained the payments would be about XXXX per month. A week later, letters started arriving about cancellations, forcing me to pay the full policy up front, lapses in coverage, etc. I continued to make XXXX a month payments as I gave up. On XX/XX/XXXX, I opened up a XXXX Auto Policy and sent a letter to USAA to cancel my auto. I called today and was told my policy was cancelled for non-payment. 
Here 's where it gets worse. I tried to log on to access my bank account and my homeowners policy, and the system would not allow me access to these XXXX current accounts, stating I must call due to an issue. I called and was transferred to many people, and in fact XXXX of these folks refused to help ( especially a male in the banking side who forwarded me without helping me out ). USAA, who says they care for our Vets, do n't realize that XXXX and frustration do not help us out and that I was extremely XXXX after being passed around like this with many people in different departments. 
I told them, all I want is to access my bank account as it is XX/XX/XXXX. They told me in order to access my banking, I would have to go to the auto side and pay the XXXX payment for an outstanding balance ( which I disagreed with ). 
I went ahead and made the payment, so I could gain access to my bank account. After the payment was made, I was then told I still ca n't access my bank account until the payment clears, but after checking with the manager she came back and said it refreshes after midnight. I asked why I can not access my bank account as this is separate from the auto insurance division. I even went as far as stating that this is ransoming my financial product ( by stating they were kidnapping my account ), which I understand is a silly statement, but was said out of frustration. After 65 minutes on the phone, the only thing I have is a paid account ( which I do n't owe because I gave them the date of my Progressive policy ), and still no access to my bank account.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

I have had XXXX experiences with OCWEN Loan Servicing that appear to be related regarding property insurance. My mortgage was structured to have property insurance paid from my escrow account. My insurance company sent a request for renewal to OCWEN to be paid form my escrow account at the time of renewal XX/XX/XXXX. OCWEN failed to pay the coverage and notified me that my property was no longer insured and that I would have to buy property insurance from them. This took several days to clear up. 

I recently sold my property XX/XX/XXXX. I canceled my insurance the day after the closing. Again, OCWEN sent me a letter stating I would have to buy property insurance form them to cover the property, despite having already sold the property and paying off the account. They sent me a certified letter dated 2 months after my property was sold. This is just ridiculous record keeping and the fact that this happened XXXX with their insurance department makes me question the sincerity of a simple miscommunication.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CT)

I was charged XXXX for a XXXX in XXXX FICO score product which I did not order by Experian, I have a similar product through another credit reporting agency and no need for another. Experian refuses refund or cancel the product. The item will cause an overdraft fee to my checking account, please advise Experian I will need this refunded as well in the amount of XXXX
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

XXXX order was placed and my bank compromised my debit card for my XXXX check come on there I am out of state can't provide identification because my id was stolen or lost if I didn't place order with XXXX my account still would be cleared and I would be able to spend using my debit card. Why can't I order things using my debit card online should be perfectly fine if money is available within a day or XXXX my money was available that same day a few hours later that's when I checked My card and my check was available so I tried to draw money from my account at the ATM machine and it showed error as no funds and that's when my card was placed on hold.
Consumer complaint received 2015-11-10
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KS)

I have been talking to a man for over a month that I met through XXXX. He lives XXXX I live XXXX. He is businessman opening up XXXX. He had to take a trip XXXX to purchase merchandise for his grand opening. He was to stop back XXXX to meet up for the first time. On the last day of his trip, he was attacked by armed men and missed his flight. He was in desperate need of {$650.00} to rebook his flight home. In previous conversation, I had asked him about siblings and parents and he is an only child with XXXX parents deceased. He started calling at XXXX and finally got hold of me by XXXX. I stupidly agreed to send him {$300.00} to help him out. I have never been outside the US so I have no idea how any of this works. He had me send this money XXXX ( whom he said was a ticket agent there in the airport ). He also tried getting me to send him the additional {$350.00} XXXX, thankfully there was a hold up and I got my money back from that transaction. I have done further research on this person who claims to be XXXX ( i have texted, emailed and spoken to him on phone ) he has a cell phone XXXX ( claims he used to work there XXXX - the number is XXXX XXXX. He has also called me several times from the following international number - XXXX XXXX XXXX XXXX XXXX XXXX. The pictures he has portrayed as being him are found ( upon further searching on my part ) on a web site called XXXX XXXX as a scammer from XXXX possibly. He has a XXXX page as XXXX XXXX XXXX - with only XXXX friend, a female named XXXX I have tried messaging her to find more info, but she has not answered me back. On this XXXX website his picture is attached to XXXX website as XXXXXXXXXXXX He is emailing me from an XXXX on XXXX but wont answer my requests to snap a selfie and send to me and my daughter checked his email XXXXXXXXXXXX for I message but that app is suspiciously turned off.
Consumer complaint received 2015-12-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I am writing about a HELOC loan I established with XXXX in XX/XX/XXXX, which was later transferred to Specialized Loan Services ( SLS ). The loan had a maximum draw of $ XXXX with interest only payment for the 10-year draw period, which was to be followed by a 5-year principle/interest payment period. 

My trouble with SLS seemed to start in XX/XX/XXXX, the year I filed Chapter XXXX bankruptcy. At that time my HELOC balance was about {$51000.00}, I was current with all HELOC payments, and was still in the interest-only payment schedule of that loan. I believe SLS is engaged in unfair and deceptive loan practices with respect to fees and would like your help in bringing transparency this situation. 

Specifically, I have been hit with numerous fees on this loan that have not been adequately explained. I have contacted SLS on numerous occasions by phone and in writing ( attch XXXX ) to get clarification. Their response ( attchs XXXX and XXXX ) did not explain the basis of these charges. I have also attached a detailed account summary ( attchs XXXX and XXXX ). 

I have been charged the following fees in XX/XX/XXXX/XX/XX/XXXX but do not know what they are for or if they are consistent with industry practices Date Amount Code* XXXX/XXXX/XXXX {$300.00} XXXX XXXX/XXXX/XXXX {$350.00} XXXX XXXX/XXXX/XXXX {$110.00} XXXX XXXX/XXXX/XXXX {$65.00} XXXX XXXX/XXXX/XXXX {$270.00} XXXX Code listing is at attch XXXX Additionally, I have been charged {$330.00} monthly since XX/XX/XXXX. 

My attempts to find out if these are legitimate charges have been unsuccessful and even rebuffed by SLS. I would appreciate it if you could help me in this matter. Additionally, I would like the name and contact information for a knowledgeable person at SLS who can address and future questions.