davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

This is the fifth time I 've complained to the cfpb about Citizen 's Bank, my loan number XXXX. Nothing has been resolved, corrected or done and they continue to harrass me by telephone ( I filed a cease and desist letter to them via certified mail on XXXX XXXX, 2015 -- it was signed for by " XXXX XXXX '' on XXXX ). This time, they cashed my check on XXXX XXXX, 2015 and it was posted to my bank on that date -- yet I 've received XXXX phone calls on my cell phone XXXX XXXX and XXXX and XXXX at my place of business on XXXX XXXX. Not only did they have my mortgage money, they have ignored the cease and desist letter. I have been written to by XXXX XXXX, of the Office the Chairman -- her direct phone number is XXXX. She never is at her phone, never returns phone calls and sends silly letters out stating that they are " researching the matter within 15 days. '' I would like to know another agency with more strength than yours, for me to contact regarding their harrassment, oversights and just plain ignorance of the federal laws. If you direct me to engage a lawyer, please advise me first of an attorney general, federal or state, that would first listen to my complaint. These calls are causing me intense stress. I have been waiting on the phone now for a " customer service specialist '' from Citizen 's Bank for XXXX minutes and have told them that I am notifying your agency again. They have said at XXXX. XXXX time on XXXX XXXX, 2015 that they are " escalating the call ''. I am asking your agency to intervene and help me before, at my age of XXXX, I suffer XXXX from the stress they are putting me under.
Consumer complaint received 2015-05-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (TX)

I contacted the Medical Data systems through the mail to find out where this {$940.00} medical bill came from and if it really belonged to me and i have not received the information requested. It has been 30 days since they have received my letter. I have the letter sent to Medical Data Systems and the XXXX certified mail shipment confirmation.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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 account listed without my expressed written consent.
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My husband and I have been separated since XX/XX/XXXX. He is XXXX ( XXXX ) and goes through XXXX of running credit to see who qualifies him for a loan and when he gets qualified he acts like he won the lottery. He has been doing this since our separation. Now that his credit is maxed out and is no longer getting approved for loans he has gone to the extent as putting me on as the co-signer without me knowing. This happened two weeks ago XX/XX/XXXX with USAA. He ran an online application for a loan with USAA since he did n't qualify for the {$10000.00} loan he dishonestly put my social security number as a co signer. He got approved for the loan. USAA, very well known bank/insurance for military -- well they, never contacted me to inform or verify with me that there was a loan being processed under my name and I was the co applicant. I only got an email after the fact saying congratulations your loan has been finalized call us immediately if you did not apply. Well I have gotten nowhere with USAA. I placed a police report sent them everything possible to prove to them that I did not apply. I am trying to deal with this along with finding a full time job, take care of my child and get this marriage over and done with. I hope banks and credit companies understand that this is a serious issue. Just because one is married does n't mean one spouse has the right to run your credit without my knowledge, companies should VERIFY with applicants AND CO APPLICANTS. Apparently, he applied on line he e-signed everything and USAA never verified. Everytime I call USAA my account is locked for investigation " we can not open your account '' all the agents tell me I will get called 24-48 hours from today. This has been going on for two weeks now. I will never trust military banking for anything especially this one. It is used by many military and overseas as well and I am left to just wait ....
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

It is with great sadness that I submit this complaint toward SLS. We have fallen behind in our mortgage payments due a change in our income. My husband is a XXXX veteran who just completed XXXX years of service. Due to this we 've had a significant change in income. For a few months he was unemployed only receving XXXX and I XXXX XXXX for XXXX, XXXX and XXXX. My husband is currently employed as of XXXX of 2014 with the XXXX and has applied and will be receiving his veterans XXXX. We have made several attempts to get a modification and have hit brick wall after brick wall. First they said they did n't have all documents so I faxed them again then received a denial. I faxed in an appeal and letter of intent now mind you the first denial took weeks and weeks but when I sent in the next fax I was told it takes 24 to 48 hours to have the documents uploaded however at that time when I called I was told it was denied for all options they received them XXXX day and denied all options the next. I thought that was crazy. I was told I can send in another appeal which I did. After reviewing my documents I was told they see the increase and will review but then after not hearing from them I called and was told it was denied because we have exceeded the amounts of modification based on their guidelines. I sent a letter stating that we should not be penalized for the previous modification because it was part of the XXXX. This week I called again and spoke with another rep, I 've never ever talked to whomever was my assigned person because he or she was never available and if a message was left call was never returned. The rep that I spoke with this week said a denial letter was sent, but I have not received it that states the reason for the denial and that there is no other options available but short sale under HAFA or foreclosure. I 'm at my wits end about the whole ordeal. I am afraid of the affect this will have on my husband as he has XXXX and the stress of the possibility of losing our home. I 'm praying for resolution in this issue.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I recently re-applied for mortgage assistance through Wellsfargo Home Mortgage. On XXXX/XXXX/15 my attorney sent my financials and application to be considered for a modification. On XXXX XXXX, my attorney called to confirm receipt of documents that were faxed and they said they needed additional documents which were faxed the same day. My attorney followed up again XXXX XXXX, 2015 for a status on docs that were sent on XXXX XXXX, 2015 and they now asked for additional docs which were never requested however, I complied and sent everything via fax again on XXXX XXXX, 2015. On XXXX XXXX, attorney called for status and again they asked for additional docs and a lot of the same docs that were already submitted which leads me to believe they are not reviewing the paperwork I am sending and are not interested in even helping me. I continue to advise them I have a sale date and to please tell me what is needed at all once so we can avoid any delays but they never give a good response other than request additional documents. Therefore, I complied and sent everything they requested again XXXX XXXX, 2015. Today XXXX XXXX, 2015 my attorney calls for status and they are advised that they are still in need of additional documents which have been sent twice before. I am filing this complaint because I have complied with all their requests and they are not reviewing the docs and are simply telling me to send things everytime I call when I have proof that I have mailed everything they have requested over the phone. At no point have they called me or provided anything in writing to ask for anything unless I call for a status. For this reason, I ask for your assistance as I am doing everything possible to keep my home.
Consumer complaint received 2015-07-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

Credit company TSI ( Transworld Systems Inc. ) called trying to collect debt owed to XXXX XXXX XXXX. I did not recall the doctor or time frame right off the bat. Was informed the credit company would investigate and get more information from XXXX XXXX. A week later I receive a bill that stated {$4200.00} and then noticed that the bill was suppose to be {$3400.00}. Not only was he over charging me but also noticed with the paperwork that I received from TSI was my Medical Record Chart that explained my procedure, my past medical history, and background information as in my health. I learned stuff about my procedure that I did not even know about. Not only is this against my HIPPA rights but XXXX XXXX also over charged me. 
I know now what the bill is for due to receiving all my information in the mail. I have no issue paying my bill but I do have a issue with my information being sent around without my consent. At that time frame I was unemployed with no health coverage and ran out of time to apply for Charity care. 
For proof I would of believed a bill would of been sent to TSI not my medical chart. My medical information was faxed to TSI, and was shared wit TSI and then mailed to me. And the envelope had a tear upon arrival. 
I have filed a report with the Department of Health and Human Services as well.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My fiancee and I are thinking about moving. Before we put in an application on an apartment, I wanted to check my credit score. I went to the FTC 's website and followed the directions to get my free credit report. Once I received my free credit report, I wanted to have the report translated into a credit score. I went to Transunion online. I believed I was signing up for a one-time fee of {$1.00} to receive my credit score. Transunion charged my credit card {$1.00}. One month later, on XXXX XXXX, I noticed a charge for {$19.00} on my card from Transunion. I disputed the charge with my credit card company and received a refund. I assumed it had been an error. On XXXX XXXX, I noticed a second charge, likewise for {$19.00}, from Transunion. I called Transunion. The first operator I spoke with demanded my SSN, full name, mother 's maiden name, and email. He asked if I wanted to " cancel '' my subscription. I explained that I wanted the charges to stop, but that it made no sense to " cancel '' the subscription because I had never enrolled. After talking to him for 8 minutes, he explained that he had canceled my subscription, but that the " system was down '' and that I should call back in an hour. I called back three hours later. This time, Transunion asked for my SSN, full name, mother 's maiden name, date of birth, email address, and security question. I then explained that I had noticed recurring charges on my card for services I had not enrolled in. I asked them to stop the charges. I also asked for a refund for the charges previously made. The operator stated that no refunds could be given for services that were provided. I then asked to speak to a manager. She said she would transfer me. The mechanical voice then stated " Please hold while we transfer your call. '' Twelve seconds later, the voice said, " We 're sorry, the transfer can not be completed. '' Then the line was cut. 
1. I did not knowingly or intentionally enroll in any program. I read the website carefully. 
2. I did not receive any services. 
3. I was charged three times for credit reporting services. 
4. When I tried to cancel, I was first told that the system was down. When I asked to speak to a manager, I was disconnected. 
5. I believe I have been defrauded by Transunion. I further believe that the amounts I have been charged are so small as to make the hassle of challenging the charge too great. I further believe Transunion imposes these charges on unwitting customers who need to use its services in order to receive their credit scores. 
6. I worry that Transunion was phishing for personal data and does not safeguard it as they should. I worry that they will sell it. 
7. I believe demanding so much personal data before discussing an account serves as a disincentive and discourages people from " canceling '' services they never applied for.
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened an account at Citizens Bank ( XXXX ) in XX/XX/XXXX. The account was opened as a XXXX account ' - and I had discussed with the bank representative that I was opening a business account but would not be transacting with the account immediately. Due to family XXXX, my focus was redirected from the business. I did n't interact with the account again until this past month - only to see that the bank had begun charging a dormant fee in XX/XX/XXXX ... with continued charges until this past month ( nearly a year and a half ) - and never XXXX sent me a letter, by mail, to notify me of the issue. If their system flags inactivity and imposes a charge ... they can send a letter! That would have been more respectable customer service, alerting me to the potential issue.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When my ex husband kicked me out of his house i lost all my personal information and he would n't give it to me and told me he could't find it. Then after a month i started getting att phone bills in my name and i never opened a att phone account.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a derogatory collection item in the amount of {$470.00} that appears on my credit report. I contacted the collection agency, XXXX XXXX, who reported the item to the credit bureau, in an effort to resolve the mistake ; they were unable to locate any account for me with my Social and all my identity information. They looked XXXX and the gentlemen I spoke with advised they have no account with my identity information and said they would delete the collection item.Since then, I ask them to remove the deragoatory entry from my credit repor and they said they would, Since then I have asked XXXX XXXX XXXX additional times for them to correct their error and all XXXX times they said they would.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Wells Fargo ( " WF '' ) to ensure WF 's compliance with Regulation X. Since XXXX 2015, our client has been actively trying to get her application reviewed in order to begin paying her mortgage and save her home. Despite all her efforts over the past several months, WF never sent the client a letter stating the results of her review. Instead, she received a letter dated XXXX XXXX, 2015 stating she was n't being reviewed anymore because she never provided the requested documents. Since we had provided all of the requested documents and certainly all the documents necessary for a mortgage assistance evaluation, there was no reason the Borrower should have received a letter stating such. After filing our first CFPB complaint against WF in connection with this file and a few more substantive Notices of Error, we were finally informed that WF never evaluated the client because XXXX of the forms was missing a checked box. We believe this was an error. 
Moreover, we received notice soon after the XXXX XXXX letter that the Plaintiff in the active foreclosure case ( XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX ) had moved to reset the foreclosure sale date of the Borrower 's home. The motion was submitted ex parte for the Judge 's review and was executed in chambers without a hearing on XXXX XXXX, 2015. Our firm quickly filed a motion to vacate the order resetting the sale date, which was heard on XXXX XXXX, 2015 at XXXX. During that hearing, the Honorable Judge XXXX XXXX granted our motion to vacate the order, which cancelled the scheduled sale date, and stated Plaintiff must not move to reset the sale date again until the Borrower either received a loan modification or a proper denial letter. A copy of the order is attached to this complaint. 
Right after the hearing on XXXX XXXX, we submitted a Request for Information to WF for information related to its loss mitigation programs and to determine what exact documents were needed for a complete package to be evaluated to avoid any future " document issues. '' WF sent a response dated XXXX XXXX, 2015. However, the response failed to provide any of the requested information and instead stated the Borrower should contact the Home Preservation team as the response to every information request related to loss mitigation. 
On XXXX XXXX, Plaintiff moved to reschedule the foreclosure sale again without providing the Borrower either a proper denial letter or a loan modification as the Judge 's Order required. This motion was also submitted for review ex parte and signed without a hearing on XXXX XXXX. Now this is the second time the sale of the Borrower 's home has been improperly rescheduled due to the actions of Plaintiff 's counsel and the failure of WF to provide accurate information to the Plaintiff, which it has the responsibility to do as the servicer.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AZ)

I have a credit monitoring, last month Equifax, XXXX and XXXX were reporting, in XXXX, XXXX and XXXX are reporting but Equifax has no data, I have well over 30 years of credit, So I bought my credit report and score to compare what the credit reporting agency, and the bureaus have I bought XXXX and XXXX credit report and score but on XX/XX/XXXX I tried to purchase XXXX credit report and score and told to contact customer care, I did and they tried to get my credit report and score, so now I have been charged XXXX and told there is a problem with my report send my ss card and drivers license I did and got back an e-mail stating everything is fine, so I tried to purchase again on XX/XX/XXXX I was billed XXXX XXXX again, and no report, they said I needed to answer some questions I did, and the said it is fixed, so on XX/XX/XXXX I purchased again XXXX on the computer and XXXX from a customer service rep still I can not get my report, I paid them XXXX XXXX times
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I had opted for a balance transfer through Citizens Bank last year with 0 % promotion to defray the high-interest credit card balance I carried with another creditor. I intended to pay off my balance with Citizens Bank but unsure of when the promotion will end so, on XXXX XXXX, I placed a call to the bank 's customer service line and was told that the promotion will end XXXX 2016. To my surprise yesterday Friday XXXX XXXX, I received a statement with a {$78.00} charge which made me to call the toll-free line and the customer service representative I spoke with said " The promo expired in XXXX but there 's a new one that you can apply for ''. I felt very XXXX, taken for a ride and ripped off as this guy was so belligerent and would not listen to my point that someone had told me on XXXX XXXX that the promotion was good through XXXX 2016. Rather, he continued saying " Do you have a letter to the effect that the promo ends in XXXX? '' This is gross misrepresentation, deceit and fraud of the highest order and this company has to face the music.
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: YSA ARM LLC DBA Oxygen XL (NY)

In XXXX 2013 I received letter from Oxygen Recovery Group demanding {$7300.00} ( attachment XXXX ) Of course I requested any documents concerning this demand. 
They mailed to me papers with cover letter ( att. XXXX ) :1. Statement of Deposit with my name but without any signatures ( att. XXXX ) 2. Letter that some XXXX XXXX intend to vacate apartment XXXX and authorizes XXXX XXXX to hold security deposit (????? ) ( att. XXXX ) 3. Lease Renewal Application with my name on it but with unknown to me address as well as unknown phone numbers. With name some XXXX XXXX as cousin. 
With no other information filled in. 
In addition this document signed by somebody but the signature even does not look like mine. ( att. XXXX ) That was entire package of documents. Without any real information but my name. 
I informed the Oxygen Recovery Group by fax that it is fraud based on my identity theft ( att. XXXX ) They answered me and requested " proof that this is not me " ( att. XXXX ) I have an idea how to prove that me is me but I have no clue how to prove that anybody else is not me. 
Recently I learned that Oxygen Recovery Group put this money for collection to my account. 
As I am sure it is situation of conspiracy based on my identity theft for exaction. 
Of course I filed compliant with the Federal Trade Commission as well as with Credit Bureau. 
Now I look for an attorney to file Legal Case of exaction.