davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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. (TX)

Equifax was hacked. Social Security numbers, credit card numbers, and names were some of the things that were stolen. I entered my information and it claimed that my data may have been compromised. This puts me at great risk for credit fraud. 

If the company was storing this data in plain text then this was negligence and the company should be punished severely. Most major companies encrypt data to prevent this kind of information from being stolen.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

This is my final request to have the remainder of {$230.00} in overdraft fees rebated to me before filing in small claims.     I am being represented by  XXXX   XXXX  Firm.     I submitted a complaint regarding my account when I was charged over {$1000.00} in overdraft fees in  XXXX  and  XXXX     2017  even though I never elected to have overdrafts allowed on my account. I was refunded {$860.00}. I am seeking the remaining {$230.00} to be refunded or I will bring the matter to small claims.     My Account number is  XXXX .
Consumer complaint received 2017-09-09
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. (GA)

I was part of the Equifax breech. This is horrible because I 'm a young person who has worked very hard for her high credit number and I 'm disgusted that this company has known about this breech longer than today XXXX/XXXX/XXXX. I have never used this company for any reason but they still had access to my credit records. My privacy and future has been jeopardized. I 'm only a young adult, am I going to have to be looking over my shoulder all for the rest of my life?
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

On  XXXX / XXXX / 2017 , I received an alert indicating that there had been changes to my credit report. I logged into my credit tracking account and found that this company by the name o f Deville Asset Management had   placed an alleged account on my credit reports. I have never heard of this company prior to  XXXX / XXXX / 2017 . On that same day,  XXXX / XXXX / 2017 , I filed a BBB complaint, the company responded, and I sent an official letter of dispute around  XXXX / XXXX / 2017  which  Deville Asset Management s igned for on  XXXX / XXXX / 2017 .     Sometime in  XXXX /2017, I received communication from  Deville Asset Management which poi nts to this account being time barred and null and void as they did not provide proof of the legitimacy of this alleged account. Around  XXXX / XXXX / 2017 , I again responded  to Deville Asset advising  them of the fact that they did not include proof that this account is valid and requested that they have this alleged account removed from my credit reports immediately.  Deville Asset Management signe d for this letter on  XXXX / XXXX / 2017 , and up to now this time barred, null and void account is still on my credit reports.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2014 I forced into purchasing a time share owned by XXXX XXXX at the time I was forced and when my husband and myself wanted out they refused. So we were charged by Bank of America {$2900.00} and they refused to help. Bank of America has a link to XXXX XXXX and refuses to help. It was fraud and Bank Of America is refusing to corporate with us. My husband and I just want our money returned and case closed please.
Consumer complaint received 2017-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XX/XX/XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XX/XX/XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a XXXX XXXX XXXX with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Released tax lien from XX/XX/XXXX filed XX/XX/XXXX and released XX/XX/XXXX and XXXX file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XX/XX/XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time XXXX, XXXX, and TransUnion states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Novea Portfolio Management LLC (CA)

On XXXX/XXXX/XXXX I received a call while at work from an unidentified person claiming a loan needed to be paid on that day otherwise there would be consequences beyond her control which I would be responsible for. 
While on my lunch break, I received a text stating that my roommate received a call stating that police officers were at our residence ready to arrest me for passing bad checks. I immediately called my bank and asked them to freeze the account, and also called the police department only to find out from the dispatcher that they needed the officers name and badge number in order to expedite the call. I took off from work so that I could get more information. I contacted my roommate and he stated he received a call that police were outside our house and when he called the number, he was given further details that I had passed bad checks and the police were going to arrest me. My roommate did not pretend to be me, yet he was given the information as if he were privileged to know my personal business. I received a call the next day by a person claiming to represent loanme and was also informed that she had contacted my son, my exhusband, my work, and my landlord in addition to my roommate, all of whose numbers were not released to them by me. I did n't even know my roommates number until the day before. She again threatened me that they needed an answer today otherwise they were calling the police back to my residence to arrest me. I repeatedly told her that I could not afford to pay and that I had n't even paid rent. She assured me that it was not personal, and she empathized but persisted that payment needed to be arranged otherwise I would go to jail for writing XXXX bad checks and based upon the information she had and her knowledge of the laws in the state of California that I would definitely be serving time unless I could afford a good lawyer, but I would still be in debted to the lawyers fees, court fees, and the debt as well as jail time, therefore rent would no longer be as important as securing my freedom. Under extreme duress I agreed to have the money taken out of my account, but after contemplation, if I do n't even have the money to pay, how does this free me from NOT defrauding them? Your representative 's solution appeared to bait me in to serving time in prison as well as getting into further debt
Consumer complaint received 2017-01-04
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (AZ)

We are in the process of short selling our home and have filed a complaint regarding Roundpoint Mortgage 's lack of assistance during the process. This complaint is regarding the excessive amount of time it is taking Roundpoint Mortgage to update the short sale approval date extension. We sent an addendum to them on XXXX XXXX, XXXX, as you can see in the attachments and still have not received a response back from them as of today 's date, XXXX XXXX, XXXX. We have made several other attempts to contact them via phone calls/voice mails and through email, as you can see from the attachments and yet the closing date still has not be approved nor have they responded to us with any status change. During XXXX phone conversation, my husband was told by a Roundpoint representative that they were unable to open the PDF document we sent them with the addendum reflecting the closing date. No one at Roundpoint responded to our request for confirmation of receipt of the addendum so my husband spent an hour on the phone trying to get a representative to confirm the receipt only to be told they were unable verify the file could be opened for a minimum of 48 hours. After pleading with the service rep, XXXX, she did provide her personal e-mail and confirmed the file could be successfully opened. The short sale has been approved once, but at this pace, the extension that we requested is going to need to extended due Roundpoint 's lack of urgency and lack of action we are enduring. 
Please help! This is a simple approval extension.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CO)

Today, XX/XX/year>, I have received multiple text messages and phone calls from legitimate lenders in my city of birth telling me that I have been approved for a loan after an application by a person named XXXX XXXX was submitted using my information. 

I have attempted to login to Equifax using the password I had with them, but it does not work anymore. So I attempted to reset my password, but it has failed every single time with the message : " We are temporarily unable to complete this request. 
Please try again later. '' The URL that bears this message ends with : 'mc-connect-server-error '. I have gotten this same prompt about how it's TEMPORARILY unable to complete my request for months now. I only desire to freeze my third, and final, credit report so that nobody can successfully open loans up in my name.
Consumer complaint received 2017-09-09
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. (WA)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. Through severe negligence in data security, they allowed a data breach to occur in XX/XX/XXXX and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They failed to notify victims in a timely manner, putting us at further risk. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: H. Kent Hollins, Attorney at Law, P.A (GA)

This judgment was filed in XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I closed on my first house on XXXX XXXX of 2016 and my mortage company Ditech has not paid my property taxes for 2016. They have had the bill since XXXX of 2016 and I have been getting the run around over the phone with them. I am about to have a lein on my property
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IN)

Citi sent me a new credit card offer in the mail, addressed to me, for XXXX XXXX miles for signing up for a new platinum credit card if I spent {$3000.00} in the first 3 months. I have previously had a similar card that I 'd closed and I assumed they were offering this to get me back as a customer, so I applied and was approved. I then spent over {$3000.00} in 2 months, meeting their requirement. Then after waiting a few months without the miles showing in my account, I called them. They said that I was disqualified before they even sent the mailer to me because I 'd had a similar card within the past 24 months. So they sent me the offer, knowing that I did not qualify!! It 's false advertising to send me a directed mailer with a promotion that I do n't qualify for, then approve me for the product without any notification that the promotion is not valid for me. I was led to believe by the directed mailer and the card approval, that I qualified for the offer. I do n't have a problem with the fine print, per se, but I do have a problem with the lack of notification since they are the ones that determine when/if someone qualifies and these rules probably change all the time, as it probably says in the cardholder agreement. I asked them what they could do to fix this and they said it would be reviewed and I may get the miles granted still, and I would get a letter with the result. So, I waited for the result of the review and instead, received a worthless restatement of their policy : " Thank you for contacting our Customer Service Team. 
Bonus Reward Rebates are n't available when an existing account in the same product has been opened or closed within 24 months. 
If you have any questions or are in need of further assistance, please call '' This practice is at the very least, deceptive.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion removed several inquiries that were in dispute on my credit report. Well they claimed that is was during a glitch and inserted these inquiries that do n't belong to me back on my credit reports without notification. I would like all inquiries removed from my credit report at this time. There are XXXX inquiries listed on my credit file. XXXX XXXX, XXXX, XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These are all inquiries that were listed thank you!
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Although I am behind on my mortgage payments, I have been making payments to attempt to bring the loan current. As of my most recent statement, my servicer, Wells Fargo, has inserted a new category, " payment reversal '' to the payment and disbursement summary. My two most recent payments are now reflected as " unapplied funds '' which include P & I, late fees, as well as escrow payments. 

Today I received a packet via FedEx concerning a loan modification. I have never asked for a loan modification. Further, today I was contacted by a notary who represented herself as an agent for Wells Fargo who seeks to notarize the loan modification. 

This is the second time the FedEx/notary " push '' has been tried by Wells Fargo, although the " payment reversal '' is a new element, seemingly to make my mortgage appear more delinquent than it actually is. 

At the first occurrence, in XX/XX/2016, I made it clear in a phone conversation to WF customer service, that I was not interested in any sort of loan modification program. I was told at that time that it was an " opportunity '' prompted by my lender XXXX, but this tactic seems to be an attempt to force this " opportunity '' as a fait accompli.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.