davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-07
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: EQUIFAX, INC. (MO)

this collection company is violating my consumer right by reporting negative information to the credit bureaus about a debt they i owe that was already paid under 15 USC 1692g. This information i damaging my credit and my life and i demand this information be remove from my credit file. I have tried to get this account removed from my credit file which was already removed once before but the bureaus reinserted this account back on my credit file without my consent or permission. I also have sent a cease to desist letter to the company to rstop all contact and reports til they show that the debt i owe them.
Consumer complaint received 2024-09-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

The company replied and said the problem was fixed on XX/XX/2024. 

THE PROBLEM IS NOT FIXED. 

Today XX/XX/2024 I tried to access my account to make a payment and of course I can not access my account nor can I change my password! 

I have talked with numerous people at Synchrony Bank and NO ONE there can fix the problem. Who ever replied to me is lying or someone lied to them about the problem being fixed. 

If they do not want my business, then maybe they can just forget about anymore payments from me.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ), an account opened at XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$2200.00} ), a personal loan account opened at XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$720.00} ), and a collections account opened at XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$320.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$480.00} ), a collections account opened at XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$160.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-10-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (TN)

When checking my credit report, I found that XXXX said my mortgage account was closed when it was not. I filed a dispute and they corrected it, and now shows that account open, but now they have dropped my credit score XXXX points because of it. Even though I am paying it on time, and it was their mistake in the first place, I do n't understand why this adversely affected my score.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Our company XXXX, XXXX doing business as XXXX completely reinstated Bank of America Loan # XXXX on XXXX XXXX, 2015. Two months and XXXX days later on XXXX XXXX, 2015 Bank of America racked up {$990.00} in foreclosure attorney fees which they are now trying to charge us for. Why on earth would Bank of America hire a foreclosure attorney right after we completely reinstated the loan? We have yet to resolve this issue because Bank of America refuses to waive the {$990.00} fees and will not tell us why they wo n't other than " internal policies ''.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Union Adjustment Company, Inc. (AZ)

UNION ADJUSTMENT CO, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, CA XXXXIndividualOriginal CreditorXXXX XXXX {$97.00} They have XXXX and XXXX infractsions on my credit and they continues to validate their collections to XXXX, yet each record is in XXXX on my credit report. XXXX and XXXX investigated and removed them from my credit but XXXX will not and they actually continue to grow. They just added more and damaged my credit by XXXX points. I do n't have money for a lawyer at present or I would seek damages cause this has been going on for 3 years.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

My name is XXXX XXXX. I was given a toxic loan [ enclosed ] on XXXX XXXX 2007, just before the collapse. This loan is about to explode leaving me and my husband homeless at our age The Servicer refuses to help us although others in our loan pool have been helped. 
Our loan is about to go up XXXX per month an amount we were never qualified for. The rating agency is XXXX.They have the power to make this happen. After rating all these loans triple AAA ..when they were not..We really need help..loan number XXXX ... our address XXXX XXXX..The servicer is Owcen Servicing. THey have repestedly lied and pushed us through hoops ... .thier address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Echelon Financial, Inc. (CA)

I received an email from the company " XXXX to sample their genealogical services. When I entered their website, there was a banner from " MyScore '' at the XXXX website to check your credit score for free. I decided to check out the free credit score request given by MyScore. When I entered MyScore website, it immediately led me to give my credit card information, in order to get my credit score. It also started that there was a XXXX access to my credit information and that I could cancel anytime before the end of the XXXX, either by calling them or contacting by email. Understanding that, I gave my credit card information, got my score information and then informed ( I believed ) MyScore of my wish to cancel my XXXX access. I received a reply via XXXX as a confirmation of my cancel request. I later found out that MyScore credited {$29.00} from my account as payment for the credit service membership, which I thought was cancelled. I called the company and informed that I believed I cancelled the service before the end of the XXXX access. I was told that they did n't received any cancel request from me, though I have received such a request from XXXX. I never sign up for any services from XXXX in any shape or form, especially for the money they were asking nor did I gave XXXX my credit card information for such services since already had such genealogy services done from XXXX already!. I believe that MyScore will give the runaround in refunding my {$29.00} to my account, saying I received an cancel confirmation from XXXX for services I applied for with them, when I know I did n't. I never received any email conforming XXXX credit access from MyScore & yet, they have access to my credit account. The only thing I have is the cancel request confirmation from XXXX, after I thought I cancel my credit access the same day I sign up with MyScore!.
Consumer complaint received 2015-10-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (CA)

XXXX unauthorized withdrawals made to my checking account in the total of XXXX dollars via teller machine. After filling a fraud investigation request with banking institution CITIBANK they have refused to investigate. I filled a police report with local agency and have given them the report as they asked. I am still being told the investigation is denied and Im not going to get my money back.
Consumer complaint received 2024-08-09
Product: Credit reporting 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. (NV)

I have attempted to resolve this issue by reporting the fraudulent inquiries on my credit report. The unauthorized inquiry has caused me significant mental and financial distress. As a victim of identity theft, I am not responsible for these inquiries and have suffered due to their presence on my report. If this complaint is not addressed properly, I will pursue legal action. These inaccuracies have prevented me from purchasing my dream car and have impacted my ability to support my family. For your reference, I have attached a copy of the letter I previously sent.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (FL)

I am submitting a complaint against Early Waring Services because I have been a victim of Identity theft and sent in the required documents that they requested Police report, ID and consumer Identification form. There is an inaccurate reporting showing from XXXX XXXX on my file with them In which I sent in a dispute to them along with the Identity Theft Remedy documents requested and they claim that XXXX XXXX claimed the account to be verified as reporting accurate. I called today and spoke to a supervisor ( XXXX ) who told me that XXXX XXXX did not respond as to why they believe the account to be accurately reporting so that gives them permission to remove the reporting from my file. Shortly after XXXX called to tell me that XXXX XXXX responded as to why they believe the account is reporting accurately and that the reporting was going to be reinserted in to my file. They said that I can rebuttal the reason as to why XXXX XXXX believes the reporting is accurate and I have to explain why I disagree. I have already stated why I disagree the moment I sent them a Valid Police Report Specifying that this account reporting is Fraudulent and Identity theft. They are completely violating my FCRA rights and ignoring that fact that this is an identity theft account that was opened fraudulently. Why should I have to rebuttal what is obvious in my initial dispute with them? This situation seems to be completely biased as this company was formed and XXXX XXXX has partnership and interest in the stock of this company.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IA)

Dear CFPB, We had been problem with Citibank for XXXX year. We was not able keep property up for sale and it went under contract XXXX times. Each the over of Mortgage ( XXXX ) keep denying the sale. Also other sale contract coming in close to the full listing price, Awhile this negotiating process was going on and the Foreclosure was still going on without my knowledge. We just found out today that property is listed for sheriff sale in about XXXX week. All the while we understood that the foreclosure was put up on hold. We need help, we are trying sell property and we have worked with the lender in every regard. We believe this is illegal because it called dual tracking, neggotiaty XXXX hand and foreclosure with other. 
Thank youXXXX and XXXX XXXX
Consumer complaint received 2015-10-19
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (OH)

I have been utilizing the services of XXXX XXXX XXXX Rush card for several years. Never have I ever had such a horrible experience. I work for XXXX XXXX, my payday was Friday XXXX/XXXX/15. Normally Rushcard deposits two days early but since Monday was a holiday I expected a delay and not to get my posted direct deposit until Thursday. Thursday came and went still no money. Friday morning still no money so I decided to reach out to a friend who also uses them for her direct deposit. She began to inform me that there was a big issue and almost every single RushCard customer either had not recd their directly deposit or the money they had on their cards was missing and they now had a zero balance. Customer service can not help, they just keep telling us that they were going through a system transition and that we will be notified once the systems are back up and our money is deposited. I heard that they were in fact hacked and we will never see our money. How true that is I do n't know but I am beginning to believe it when I ca n't even get an answer out anyone. You ca n't even provide us loyal faithful customers with a time frame. Bills can not get paid, gas in vehicles, my kids can not be provided for because I have missing money from my hard earned paycheck. I need/ We nee answers we need help and a solution. This is not okay
Consumer complaint received 2015-10-02
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (NY)

In XXXX XXXX, I opened a Best Buy credit card to purchase a TV, interest free if paid within 5 years. In XXXX XXXX, I fell behind on payments. I rec 'd a call from a Best Buy rep who stated that I was only a few payments behind and that if I paid the past due debt I would be all caught up. The rep also stated that I can continue my monthly payments, interest free, and be restored back to normal status. With that in mind, I set up auto-pay to my checking and continued to pay for the next year, receiving my monthly e-bill from BestBuy and receipt that the month was paid. Then, in XXXX XXXX, I received a bill that had a late payment on it. I called best BestBuy and stated that I had Auto-payment and sufficient money in my account to cover the monthly debit. They stated that the account was sold to Citigroup and to call them. I called Citigroup and asked for the late payment to be removed and informed them that I had made an agreement with BestBuy to pay late payment the year prior, and subscribed to auto-pay. Citigroup informed that they were unable to remove the late payment charge and that only Best Buy could. I then called BestBuy and they again directed me to Citigroup. I continued to receive emails from, and labeled, BestBuy for my monthly payments. However, when I clicked on the " paybill '' link ( every month ), it continually led me to an " error, please check back later '' page. Now, 6 months later, the account went into default and Citigroup added on the total interest charges for a bill of over {$2000.00} ( which just prior was {$700.00} remaining on payments, absent the " late '' charges ). I believe that BestBuy is obligated to honor our agreement that I be able to continue my interest free monthly payments in accordance with our original contract. I also believe that the late payments, interest charges, and charge-off that now reflect on my credit reports should be removed, and that Citigroup and BestBuy should be fined for violated consumer credit protection laws.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

I am filing a formal complaint against Ally Financial for multiple violations related to their handling of my auto loan while I was on XXXX XXXX. Ally Financial repossessed my vehicle while I was on active-duty military service without obtaining a court order, as required under 50 U.S. Code 3952 of the SCRA. This law specifically protects servicemembers from repossession without a courts approval during XXXX XXXX. By bypassing the court process, Ally Financial has violated my rights as a servicemember. Ally Financial failed to follow the correct procedures under the XXXX when repossessing my vehicle. Specifically : The repossession was conducted without proper notice of default and without giving me an opportunity to cure the default before the vehicle was taken. Additionally, there was no effort to conduct the sale of the repossessed vehicle in a commercially reasonable manner, as required by XXXX Article XXXX. This breach of procedure has directly caused me financial harm. Ally Financial engaged in unfair practices by repossession without a present right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions amount to unconscionable means of debt collection, as they had no legal right to repossess the vehicle without a court order while I was protected under the SCRA.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-11-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management (HI)

FOX COllections keeps trying to collect on a debt for XXXX Hospital and has reported it on my XXXX credit report repeatedly. I am XXXX Army and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities XX/XX/XXXX, XXXX Hospital 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX Fox reopened the same collection on all XXXX of my credit reports under a XXXX date. I disputed them again and all but XXXX has removed them from my report. I am XXXX army and have been covered by XXXX since XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house.
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

I did not find the right option for my complain, so here it is. 

This account was originally from XXXX XXXX now XXXX, I have requested many times the information to be investigated because I know about the Discriminatory Credit Card Practices against consumers that had a XXXX XXXX address and I am XXXX of them. Neither XXXX or this collection company Portfolio have changed/deleted the information. Every time I file a dispute in my credit report since the article came out, shows the information has been corroborated and remains. I have copy of my credit report and copy of your article dated XXXX XXXX, 2014.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Home Finance would not consider me for any program when I became XXXX and unemployed. Their idea of a re-modification was to increase my payment that I already could not make/afford by over $ XXXX monthly. They cancelled my home owners insurance that was less than {$1000.00} and replaced it with a policy over $ XXXX yearly. I did have an attorney who retired and passed me on to his partner who did NOTHING except process me right into a sheriff sale-foreclosure. They offered me nothing ( no programs - no options ) even though I submitted all documents as instructed per Chase 's employees. Have No idea what my rights were or are as I am not an attorney and can not afford one. All I know is I put $ XXXX down for my $ XXXX that 's worth under $ XXXX and now I owe close to half a mil with all of Chases crazy fees-YIKES!!!. Thanks to the foreclosure on my credit report now I ca n't even qualify for anyone to show me an apartment let alone rent me one and am headed into being homeless with my stealth medical condition. Chase ignored my pleads for assistance and their operators are like a bad joke. Each one you speak to gives you different MIS-information that leads you to nowhere. Do yourselves a favor stay away from chase and anyone connected to them. Good luck.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Me and my son opened a student bank acc. at Huntington bank. they started putting a {$4.00} a month fee. When my son asked why they said he threatened them and closed his acc I called and asked why they hung up on me ... .THEN they closed my business acc that I have had for over 30 years. and they are trying to stick me with credit card processing and terminal fees. there is much more ( too much to put in print ) HELP XXXX XXXX XXXX XXXX ( XXXX ) or XXXXXXXXXXXX P.S. the highest person I could get to is XXXX XXXX. She is vice president in charge of consumer affairs .well that 's what she said.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

Caliber Home Loans services our mortgage. We authorized XXXX, our bank, to send a monthly mortgage payment to Caliber Home Loans and we verified with XXXX that the payment was sent to arrive on the due date. On the due date we received an automated call from Caliber stating our payment was not received. Finally, two days later we were able to speak with a live human being at Caliber, who asked us if we needed debt counseling. We have paid our mortgage on time every time for the last 11 years. Why would we need a debt counselor? XXXX, the customer service rep, refused to allow us to speak with a supervisor and basically told us there was nothing he could do. How is this possible? Is there anything we can do to transfer our mortgage to another company?