davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC. (FL)

XX/XX/year> : We have private property signs on both sides of the house where the vehicle was captured. Before the vehicle was repossessed, I sent multiple documents stating the right to rescind this contract. 15 U.S.C. 1635, and Regulation Z. If I didnt do the right to cancel the contract was because of the dealership, Santander etc. I have the documents with the certificated and priority numbers added to the paper. I sent to XXXX XXXX and to Santander Consumer USA, XXXX XXXX XXXX. XXXX Tx, XXXX. I didnt receive the 1099c after they wrote the vehicle off as a bad debt. Whos in the wrong? Show me also that you didnt write the vehicle off and you re able to still collect. I also gave them a down payment of XXXX. I sent the right to rescind to XXXX XXXX XXXX, Florida.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MD)

I have been a card holder for 20 years. I have not used my card in over a year. While making those payments my minimum payments continue to climb on time. This has been an issue since spring 2024. It feels predatory. I get it can take longer but this looks wrong and call center offered no relief.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

We received the Trial Modification from Ocwen on XXXX/XXXX/XXXX and returned it immediately, signed and notarized. Subsequently, it was confirmed that the XXXX " Trial '' payments were due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for {$1800.00} each month. In the interim, I had contacted XXXX XXXX to see if I was eligible for any assistance because I was unsure how long I would be unemployed. Luckily, I was eligible for their Unemployment Assistance program which could pay the mortgage for up to eighteen months, if needed. 
As things turned out, I found employment with the State of California shortly after being approved for assistance ( although I would only receive a monthly paycheck ) and needed to wait 30 days for the income to begin. Again, things worked out insofar as the policy of the XXXX Unemployment Assistance program was to provide a four month " cushion '' of mortgage payments AFTER XXXX is re-employed. As a result, XXXX made a LARGER payment of {$2000.00} to Ocwen for FIVE months, per Ocwen 's instructions. Ocwen received a payment of {$2000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. All of these payments were confirmed by my wife and I as being paid by XXXX and received by Ocwen prior to their respective due dates. We had spoken with associates at XXXX and Ocwen each month to insure that the " Trial '' payments had been paid and received. We specifically referred to these as " Trial '' payments when we spoke to the Ocwen associates, who confirmed they were received and said that the Permanent Modification would be forthcoming, once the XXXX Trial payment was received. 
For this entire FIVE month period of time, Ocwen collected these " Trial '' payments for the INFLATED amount and NEVER notified us, the property owners that the modification was in jeopardy. We were unaware that seeking assistance from XXXX violated ANY rule against the acceptance of a modification from Ocwen ; after all, we had already accepted and notified Ocwen of our acceptance of the trial modification. Also during this time, Ocwen did NOT inform XXXX or us that the amount they asked XXXX to pay on our behalf was greater than the contractual Trial Modification amount or that the payments were to be used for any other purpose than the " Trial '' payment in which it was intended and confirmed with XXXX to be applied as. Ocwen was completely aware the payments were coming from XXXX, because they informed XXXX to pay the {$2000.00} amount to them. In fact, Ocwen appears to have waited until the KYHC Unemployment Assistance was terminated and the last payment was received, BEFORE sending the decline letter. A highly dishonest and unethical business decision. 
If Ocwen had once mentioned to us that by having XXXX make the Trial payments for us, that we would lose or modification, we would never had accepted the XXXX Unemployment assistance. But at no time, did Ocwen say anything at all. They did not communicate with us at all.
Consumer complaint received 2017-09-08
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. (PA)

Equifax failed to take sufficient measures to protect my, and 150 million others, personal information resulting in electronic distribution to unknown entities and compromising my credit security for the entire foreseeable future.
Consumer complaint received 2017-09-08
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. (MI)

I am a victim of the Equifax hack of 2017 where mishandling of my sensitive information and lack of proper security have led to my information being leaked to the public.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report filed in connection with this identity theft.

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

My monthly, 30 year fixed mortgage payment has gone up from {$860.00} to {$970.00} due to an increased amount going to escrow. A small part of that change has to do with an increase in insurance cost ( which is fine ) but the majority has to do with an increase in taxes. While taxes increases can happen, the amount of the increase is primarily due to Imortgage ( website : http : //www.imortgage.com/ ) using the valuation that was given to them from the leasing company and not the most recent appraisal value when giving me an estimated payment amount. In short, they used the valuation from when the previous owner bought the property to estimate my taxes, and since prices went up considerably in that time ( the previous owner bought the house at the bottom of the market in 2009 ). their estimation of my monthly payment is now drastically off. If they had given to me a more accurate estimate of payments based on the actual appraisal, I would never had bought the house ( it is an investment property ) because the costs would not justify the income. I believe what they did was intentionally deceptive in order to push the loan through. I can provide all details and documentation if requested.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" Atlanta-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXXand XX/XX/XXXXof this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. 'XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

it was an auto loan submitted in my name from bank of america, and it resulted in an inquiry in XXXX 2015, I called the number on my credit report and I called the number that was listed and the rep told me to take it up with the credit bureau, but the first start is to take it up with the creditor which is bank of america, it was shown on my equifax credit report. I did not apply for a auto loan, bank of america states they can not find that information, but it states an inquiry on my credit report. So since bank of america cant find the information and explained why there was an inquiry on my credit report. So i filed a compliant. i did not apply for a loan, i applied for previous auto loan but not another XXXX. So i decided to file a compliant. Nor did i obtain any goods.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Equifax had a massive data breach and I am listed as one of those 143 million impacted. They did not disclose this for MONTHS and their executives sold stock before the announcement, violating numerous laws.
Their handling of this situation is unacceptable, and their only recourse ( free credit monitoring and fraud prevention ) requires you to sign up, then remember to come back in a week. All the while precluding you from suing them
Consumer complaint received 2017-09-08
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. (IL)

According to Equifax 's website, my personal data including ssn, dob, etc was part of the data impacted by their security breach. This puts me at great risk for identity theft, to the point that it 's likely to happen. 

I ca n't understand why they are storing all my personal data unencrypted, it makes no sense and seems like pure neglect at best. I 'm quite worried not only for my credit score, but someone could commit crimes with my stolen identity, considering they have access to all my data including SSN.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I want an immediate credit freeze from Equifax, ( and the other two companion credit bureas ) due to Equifax 's data breach, but they want to charge me for it unless I can PROVE I am a victim. Equifax is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! Equifax SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION. 

" XXXX-based Equifax, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. Equifax discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' XXXX XXXX XXXX
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' My personal information was confirmed to be compromised via their website, www.equifaxsecurity2017.com.
Consumer complaint received 2017-09-08
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. (CA)

Equifax mishandled my information by allowing access to mine and 209,000 other persons ' financial information without authorization and failed to report it for several months. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2017-09-08
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. (CA)

Equifax has egregiously misused all of my personal data, with beyond poor security standards. Credit monitoring service is essentially a joke unless it is made permanent, a more appropriate response would be to facilitate changing all of the associated information where possible - though this is clearly not reasonable for most people. 

This refers to the recent breach, which was known of in XX/XX/XXXX, but just notified X/X/2017. This also is a major issue - I should have known sooner. I have placed an inital alert, though I am unsure if I should participate in their " service '' as there is an unclear class action waiver attached.
Consumer complaint received 2016-05-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

Specialized Loan Servicing is knowingly engaging in the prohibited practice of " Dual tracking '' while I 'm applying for a loan modification. I 've submitted all the required and requested documents. I received the enclosed letter indicating the status of documents received. I called SLS via phone and was told to resend a XXXX and XXXX forms. I send these forms immediately via fax and email. I called SLS again to verify receipt of the tax forms and was told to resend again because know they no longer accept the forms anymore despite me getting the tax forms directly from SLS website 's Document Library. I have had this pattern of SLS telling me something IS wrong with this tax form at least 4 times causing delays and putting me in danger of a foreclosure sale.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA OPENED AN ACCOUNT FOR SOMEONE IN MY NAME IN A DIFFERENT PART OF FLORIDA THAT I DO NOT KNOW AND I DID NOT AUTHORIZE. THEIR TERRIBLE SCREENING PROCESS AND FOOLISH GREED ALLOWED THIS TO HAPPEN. NOW THEY WANT ALL MY FINANCIAL INFORMATION TO PROVE IT IS NOT MY ACCOUNT. SIX PHONE CALLS TO THESE XXXX AND IT IS STILL ON MY CREDIT HISTORY. THEY GLADLY DEAL WITH FRAUD IN HOPES OF MAKING MORE MONEY AND ALLOW HONEST AND LAW ABIDING AMERICAN CITIZENS LIVES TO BE RUINED BECAUSE THEIR LACK OF DUE DILIGENCE. MAKING MATTERS WORSE IS THEIR WILLINGNESS TO TAKE XXXX PAYCHECKS AND ALLOW XXXX WITH NO IDENTIFICATION TO OPEN ACCOUNTS. THEY ARE AN IMMORAL AND AMERICA HATING COMPANY OPERATED BY FOOLS AND DESPOTS. I WOULD RATHER HAVE NO BANK AT ALL THAN EVER DO BUSINESS WITH SUCH A CRIMINAL ENTERPRIZE SUCH AS BANK OF AMERICA. WHAT A SHAMELESS COMPANY.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (MA)

I used to have an account with XXXX Internet service in XX/XX/XXXX. Today, I was advised from a collection agency called Debt Recovery Solutions , LLC that I owe XXXX. I know I do not owe this amount, so I called XXXX directly on XX/XX/XXXX at XXXX XXXX EST, and spoke with a XXXX representative from XXXX ( after being transferred a few times ) who located my account by address, and he told me that I do not owe any amount. He said when the account was active, the account was always paid in full every month. I asked him, " what should I tell the collection agency? ", and he said that I should give them my account number and they should be able to see that I do n't owe any balance. Unfortunately, I did not get the XXXX rep 's name, thinking the account number would be sufficient but if their calls are recorded, then they should be able to locate that call to verify. 

So I then called Debt Recovery Solutions, and spoke with a XXXX, and explained to him that this is not a valid debt because XXXX had just reviewed my account information and told me that I do n't owe anything. XXXX said he would remove the collection from my report, if I got a confirmation number from XXXX. 

So then I called XXXX immediately after my call with XXXX from Debt Recovery Solutions. I spoke with XXXX from XXXX XXXX XXXX, who took a very long time trying to locate record of which I owe any amount. She did not find any amount that I owe to XXXX, she does not show that I owe anything, however she could not confirm or deny that I owe {$160.00}, and referred me to Debt Recovery Solutions to verify if the debt is true, but when calling Debt Recovery Solutions, they are aggressively attempting to collect this amount regardless if this amount is true or not. If XXXX saw that I do not owe anything, then why would she refer me to the collection agency to pay something that I do not owe?
Consumer complaint received 2016-04-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Adjustment Corp. of S.W. FL., Inc. (GA)

IVBE CONTACTED THIS COMPANY SEVERAL TIMES ASKING THEM TO VALIDATE THERE DEBT THEY HAVE N'T AND STILL CONTINUED TO REPORT TO ALL XXXX CREDIT AGENCY
Consumer complaint received 2017-09-08
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. (CA)

On XXXX XXXX, 2017, I received news that Equifax was hit with a major hack a month prior, in which personally identifiable information ( SSN, full name, address, driver 's license number, etc ) was stolen. After following a link to an Equifax-established website regarding this incident ( equifaxsecurity2017.com ), I was able to confirm that I was a victim of this data breach.
Equifax is offering a year of free alert monitoring and identity theft protection as the only appeasement for their negligent mishandling of personal information, and has stipulated in the website 's terms of service that enrollment in such appeasement waives all rights to sue Equifax or participate in a class-action lawsuit against the company.
Equifax mishandled my personal, financially-critical information and failed to notify me in a timely manner. As a result, me and nearly 150 millio
n other Americans are at a very high risk for identity theft. I have trusted the company with highly-sensitive information, and the company has betrayed that trust outright.