davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

I have contacted Equifax 4 times a month since XX/XX/XXXX, they keep reporting an address I have never lived at on my credit file. I am always told by them it will be deleted with in 24-48 business hours, I will always receive a dispute confirmation that it was deleted, but then it would be re added to my credit profile the following day. I was told that they would block the address and never did. My last call I spoke with XXXX who had no intention to help me, she put me on long holds to laugh and giggle with her other employees you could hear it every time she un-mute her phone. They do not take their job seriously and I constantly lied to. The address has reappeared XX/XX/2017,  XXXX advised to me it would be removed. I have faxed them XXXX, social security card, and utility bill. I have even went out my way to email the CEO, everyone think this is joke. I 've reached out to all my creditors even the ones that are listed poorly on my account and no one has that address for me, I want this address deleted. This is not my address.
Consumer complaint received 2017-12-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

I have been working with Citi Mortgage for a very loan time in trying to receive a loan modification. Back in XX/XX/XXXX, I was working with XXXX XXXX a Rep at Citi. We provided all documents for review on XX/XX/XXXX and the file then was officially in review and we were informed that the file was reassigned to XXXX XXXX. On XX/XX/17, we called for the status of the account and scheduled a phone appointment with XXXX XXXX for the following day at XXXX ( we never received the call ). On XX/XX/17 we spoke with Citi and they advised of the exact same documents that were previously provided on XX/XX/17 ( we re-emailed them to XXXX AGAIN anyway ). On XX/XX/17 we spoke with XXXX for the first time since being assigned and he advised that the file had been closed out because the documents were never sent in? XXXX was able to confirm that the documents were in fact received and he would have the file re-opened again. XX/XX/17, we spoke with XXXX who advised that the file was still in review. Again XX/XX/17, still in review and pending a decision. XX/XX/17-Still with the Underwriter as of XX/XX/XXXX. XX/XX/17-Spoke with XXXX with Citi and she stated XXXX noted as of XX/XX/17 account was still in review and she also advised that there were no additional documents needed. XX/XX/17- Emailed XXXX XXXX for a status update ( no response ), XX/XX/17- We called in to Citi and they advised that they need all updated information including the Letters of Explanation that they had been provided before. At this point, i feel like i have been given the run around from them. They continuously request the same information that we provide to them and it just becomes a viscous cycle. I just need your help and i do not want to lose my home.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems (DE)

Hello. I am struggling with an account from XXXX XXXX showing up on my credit report as delinquent as of XX/XX/XXXX. 
I had a car loan from this company in XX/XX/XXXX or XX/XX/XXXX. Within a week of me having the vehicle, it died and needed over {$5000.00} in repairs. My father took the vehicle back to the XXXX XXXX XXXX-which is the car lot I purchased it from. After this, we filed several reports with the better business bureau. I have n't heard anything else about this car since then. It has never been on the credit report. We are now going into XX/XX/XXXX and it just now hit my credit report as delinquent. Please guide me as to how to fight this.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX : My credit score is a XXXX and I purchase a pair of socks from XXXX XXXX to help try to boost my score and get some activity going on the card. 

XX/XX/XXXX : XXXX XXXX XXXX sent me a statement in the mail that I never received indicating that I had charges and a balance on my account. 

XX/XX/XXXX : XXXX XXXX XXXX supposedly sends out another mailing statement indicating that I have an outstanding balance. My credit score drops 100 points. However, they include a number of hidden fees and charges. 

XX/XX/XXXX : Contacted XXXX XXXX to see if they could remove the past due delinquencies from my history and they tell me that they can not.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

I have written to the company a total of 2 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they  have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. 

They have no documentation with my physical signature on it. They have address incorrect and dated wrong since I was currently living in a different apartment at the time of said debt. They have not shown any form of validation and a debt that is n't mine. If they continue to report said debt on my credit report without validation with my physical signature on said consumer agreement, I will be forced to pursue litigation and seek monetize damages under FCRA section 616 & section 617!
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, 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. (CA)

LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX CT, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX MODEL, XXXX XXXX AZ XXXX
Consumer complaint received 2017-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

Cash Call Mortgage has consistently booked my monthly payments incorrectly resulting in excess interest being charged on a monthly basis and an incorrect outstandling balance on the loan. 

Cash Call made some " corrections '' to the account but those " corrections '' are erroneous also. 

They have been uncooperative during the entire time I have dealt with them regarding these problems. They are arrogant and rude whenever I 'm able to get a representative on the phone.
Consumer complaint received 2017-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I purchase my house on XX/XX/XXXX, my first payment was due XX/XX/XXXX I signed up for the auto pay for the XXXX of every month, XX/XX/XXXX pass the money was still in my account I had to mail in my payment they charge me a late fee, before closing I chose XXXX XXXX XXXX and someone switch my company I complained about that and I got a refund my mortgage payment is set up all included house {$560.00}, mortgage insurance {$73.00}, escrow {$210.00}, {$850.00}, monthly so when I got my refund from the insurance company I purchased XXXX XXXX homeowners insurance out of my pocket not included in the mortgage payment my mortgage payment should be {$700.00}, LOANCARE LLC, is  charging me {$850.00}, and taking my money out of my escrow account every month and I get threatening letters, falsely accused like I 'm two months behind on my mortgage payment delinquent notice every month and they charge me late fees and Its on my credit report {$110000.00}, I have contacted them by phone numerous of times they say one thing on the phone and then here comes the mean letters my mortgage was sold to this company and they said they 're taking my escrow money for homeowners insurance I have insurance.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

On XXXX 2017 i received in mail at my mothers address banking check information of account through TD bank i did not open an account onlune wuth TD Bank received checks also linked to this account, i called them immediately out of concern and was advised the account would be closed if i did not open the account, i was transferred tp a fraud department whom advised me this would be taken care of no monies were put in the account but i advised them the person still have my social security number and name to use my information to open online i was advised they would send me something in writing i have not heard anything other than continue to receive statements about this account i am getting very frustrated because of this matter.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

I have been called several times a day everyday about a medical debt I know I paid. The calls come from Credence Resource Management at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX. The phone numbers they use change everyday. The last four from just today and yesterday have been XXXX, XXXX, XXXX, XXXX. Its all Credence Resource Management. I have spoken to them several times and explained the medical bill was paid by a third party. It does not show up on my credit report.
Consumer complaint received 2017-10-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: MORGAN STANLEY & CO. LLC (MN)

Complaint 1 : Against XXXX XXXX for Irregularities Related to XXXX Origination of Interest Only Balloon 2nd Mortgage for Our Primary Residence Complaint 2 : Against XXXX XXXX XXXX - Foreclosure Agent for XXXX XXXX  Date : XXXX XXXX, XXXX We are writing to lodge a complaint against and ask for assistance with our negotiations with XXXX XXXX. In XXXX we were sold, unbeknownst to us, an Interest Only Balloon Payment 2nd Mortgage on our home. We never met or spoke with a Mortgage Broker from XXXX XXXX and we have received no origination documents from XXXX XXXX which was signed by a member of their staff. 
We paid our mortgage faithfully and on time each month for 10 years. Suddenly, in XXXX, XXXX XXXX demanded that we pay the mortgage in full. They gave no reason, refused to work with us on renewing the loan as a normal amortizing mortgage and subsequently began foreclosure proceedings on our home. We asked them to renew the mortgage multiple times and proved we could afford to make monthly payments on an amortizing loan, but they refused to even consider our requests. We made these requests in good faith despite the fact that our home was, and remains, under water. 

After years of fighting with XXXX XXXX and their loan servicer, SLS, we sought help from a housing counseling agency and an attorney. We have made a cash offer to XXXX XXXX for a Short Payoff and have provided evidence of Proof of Funds from a private lender. They are reviewing our documents, but have refused to postpone the Sheriffs Auction on our property. 

We are asking with this letter of complaint that the Consumer Financial Protection Board investigate this complaint and intercede with XXXX XXXX to postpone the Sheriffs Auction scheduled for XXXX XXXX, XXXX. 

We have attached details on the case, an analysis of comparable property values, the communications from our attorney to XXXX XXXX and its servicer, and the Qualified Written Request submitted to SLS under Section 6 of RESPA. 

Thank you for your consideration and assistance.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

On XXXX/XXXX/XXXX A Company who calls themselves XXXX XXXX XXXX was allowed to tap into my Consumer Report without my permission. They did an inquiry without my permission. This is Common practice with the XXXX XXXX XXXX without XXXX XXXX. I want these XXXX agencies to Cease and desist reporting my information, without my Consent, They allow anybody to get into my File without my permission. Please take all of this information out as I have asked on several occasions. This identity theft has got to stop. Send me {$100000.00} for this blatant intrusion into my files.
Consumer complaint received 2017-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (IN)

Finally had enough : I used this company ( who claims to be a dealer ) to obtain a vehicle and was subjected to a mostly one sided agreement based over a 5 minute presentation by a " Sales Person ''. However, at the initial phone call I was told ; " We do n't care about your credit, we care about affordability ''. WE CAN GET YOU IN A VEHICLE. 

The Hook is baited : Well, the story was different when I was in the chair in front of the rep. They do base loans on credit scores and the consumer does not get to choose a vehicle. Vehicles are high mileage and VERY USED. For a vehicle barely worth XXXX XXXX bucks, a " Customer '' will end up paying a loan of XXXX based on desperation for a vehicle. XXXX XXXX actively seeks customers out. This meets the very definition of predatory lending as the contractual agreements are one sided, beneficial to the company, and restraining to the consumer. 

The XXXX rush : Part of the CLOSING AGREEMENTS is " allowance '' of a GPS Tracking Device. Consumer signs an agreement, but, I would like to know what information is collected, where it is stored, and if the device is running always.This would constitute a loss of personal privacy placed aside for the necessity to track the vehicle if payments were not made. At the moment of this complaint I can not tell the CFPB if my vehicle is being actively tracked while it is parked. 

The 22 point inspection : At the time of initial sales hook presentation I was told that my vehicle would have a 22 point inspection. However, on the very day XXXX took the vehicle, I discovered the passenger headlight did not function AT ALL and it was too late to return it. I had to avoid working since I could have been stopped and issued a ticket. So, if a company tells me they check the vehicle for safety should n't that include the headlights? I have trouble with any inspection that missed something as basic as lighting. 

Invading my personal space : Next issue is " Courtesy Reminders '', EMAIL, and Text Messages : Today the payment is due. This company wastes no time calling me at XXXX XXXX. I return the call as I am confused. Why is this company calling me at XXXX XXXX for a payment that is due today. Are we at the close of business? Is my account delinquent? or, is this company badgering me to make my payment. Just for the CFPB government record, I have made a verbal demand to have NO CONTACT WITH THIS COMPANY UNLESS I INITIATE IT. No email, no texts, no calls. I want NOTHING TO DO WITH THIS COMPANY OUTSIDE OF COMPLETING THE PAYMENTS AND MOVING ON. Now this demand is written. Cease and desist. 

Rest assured, I will be diligent with FEDERAL COMPLAINTS, Federal Trade Commission Complaints, BBB Complaints, and Attorney General Complaints for any violations of my privacy, right to thrive, and any issues with harassment. I see this company as a predatory lender and I will watch closely.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (TN)

On XXXX XXXX, 2017, I found out by social media that Equifax was hacked and had almost 143 million Americans ' personal information compromised. I checked on Equifax 's site and saw that I was one of the affected. I went ahead and froze my credit accounts for all four credit bureaus ( Equifax, XXXX, XXXX, XXXX ), as well as place a 90-day fraud alert on my accounts. 

I am very disappointed in Equifax. For a company to carry such crucial information and to not have any proper safeguards to prevent against such an incident is improper.
Consumer complaint received 2024-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (WA)

My husband and I were the victims of ACH fraud whereby scammers impersonated the accounting team at my general contractor and directed approximately {$58000.00} of payments to a fraudulent account at Truist Bank between XX/XX/XXXX and XX/XX/year>. On XX/XX/year>, our contractor discovered the fraud and we reported to fraud to both our bank 's fraud department XXXX XXXX XXXX XXXX ) and Truist Bank, noting to Truist Bank that XXXX  issued an electronic tracer to flag the two ACHs and the account associated with it. We also requested that Truist place an alert on the Truist account and freeze it pending the fraud investigation. 

On XX/XX/year>, we called Truist 's fraud department, and the analyst confirmed that the beneficiary name/account holder name on the Truist account in question does not match the merchant name provided as part of the ACH. After being transferred to the operations team, Truist confirmed that the account owner has been flagged as unusual and the account has been frozen pending the investigation and the wire department confirmed that wires and ACHs are not to be released from the account. 

On XX/XX/year>, my bank XXXX XXXX XXXX XXXX XXXX XXXX fraud department confirmed it sent a Hold Harmless Letter to Truist 's fraud department through an electronic system requesting the fraudulent account be frozen pending the investigation. 

On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX in partnership with the XXXX police department issued a warrant to Truist Bank requesting the underlying documents to see the ACH instructions it received, whether that complied with its fraud controls, what money remained in the account, etc., and reiterated to Truist 's fraud department that the fraudulent account should be frozen pending the investigation. 

Around XX/XX/year>, Truist Bank responded to the XXXX police department that during the month of XX/XX/year>, the scammers had removed about 40 % of the victims ' money from the account and that Truist was returning the 60 % remaining to XXXX. Truist did not explain how it allowed the scammers to move 40 % of the money abroad after it had received the formal Hold Harmless Letter and account freeze request from XXXX  XXXX XXXX XXXX fraud department and the warrant and account freeze request from the XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-25
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. (WI)

I have a XX/XX/XXXX bankruptcy on my file that I have been disputing for over 1 year. Equifax keeps replying as accurate and verified. I even contacted my State court and they verified that they do not give out any information to third parties or credit bureaus. On XX/XX/XXXX I sent a certified letter to Equifax requesting physical documentation. They fail to send me physical documentation as requested. According to the FCRA section 609 ( a ) ( 1 ) ( a ) the credit bureau is required by law to verify through the physical verification any and all accounts that they post on a credit report. On XXXX XXXX I received another updated report with the same thing " verified ''. Also claiming that the information came from XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX and he did verify that Equifax did not request an inquiry of my public record. Also, I suppressed and froze my report with XXXX on XX/XX/XXXX. According to XXXX my file has a security freeze and credit bureaus will not have access to my file. So how could Equifax say they investigated and verified my dispute? ON XX/XX/XXXX filed a complaint with the BBB and they notified me after 30 days stating that Equifax has not responded back to them.