davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (VA)

I have been fighting, at my own expense, mortgage servicing fraud since XX/XX/XXXX after obtaining a high interest only loan from XXXX XXXX in XX/XX/XXXX. 
Because the home was severely underwater I was not able to refinance and was told I could not apply for a modification because I was in XXXX XXXX bankruptcy. Eventually I was approved for a XXXX XXXX Streamline Modification and made the three trial payments. I was sent a Modification Contract that included approximately {$28000.00} for escrow not owed and for interest payments that had not been credited. The servicers, XXXX then XXXX XXXX would not voluntarily correct the errors and I spent about two years fighting them in the Bankruptcy Court. They could not explain how my escrow could be XXXX due in XXXX XXXX but I owed {$14000.00} in XXXX XXXX after they paid {$1600.00} tax in XXXX XXXX. They more than doubled my monthly payment and would not voluntarily correct it and would not let me proceed with the XXXX XXXX Streamline Modification because I would not sign it with the errors in it that would have illegally obligated me for an extra {$28000.00} not owed. 
After my bankruptcy was completed I applied for a HAMP Modification with the newest servicer, Caliber Home loans. I was assisted by XXXX XXXX XXXX, a HUD authorized Housing Counselor. XXXX XXXX XXXX assisted in filing all the necessary forms and afterwards we would receive a letter from Caliber each month asking for a completed application, tax request form, and most recent income verification. XXXX XXXX XXXX repeatedly submitted the requested documents and asked me for new profit and loss statements each month to accommodate Caliber 's monthly requests. Although all of the requested documents had been sent and resent I received certified mail on Saturday, XX/XX/XXXX from Caliber 's attorneys, XXXX and XXXX ; giving me 10 days notice of a Trustee Sale. I contacted XXXX XXXX at XXXX XXXX XXXX on Monday, XX/XX/XXXX and she contacted XXXX and was told that since all of the required documents were not submitted 25 days prior to the scheduled sale date, even though they had been, Caliber could not and would not stop the sale. XXXX XXXX told me that it was an underhanded and unreasonable action and that the 10 day notice does not meet the 30 day notice required by the Virginia Code. She suggested that I file a complaint with the CFPB and contact an attorney to file for Chapter XXXX Bankruptcy Protection. At that time I was being treated at The XXXX XXXX XXXX XXXX XXXX Hospital in XXXX, VA and I had to interrupt and postpone my treatment to return home, find and retain counsel to file an emergency petition to save my family home. On Monday XXXX XXXX, XXXX, I received four identical letters from Caliber, dated XXXX XXXX ; thanking me for sending the additional documents and advising me they still needed additional documents to proceed with the modification review.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

My wife and I have several credit cards that we have charges on that are fraudulent. We were gullible when contacted by phone for grants and internet web site development. We put large charges on our cards to pay for what I mentioned but nothing came about from them. When we filed for a charge back on the cards the banks refused to give us back our money. We want to know how we can get our money back from scammers that promised much and did nothing.
Consumer complaint received 2016-05-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Delta Management Associates, Inc. (IL)

Delta Management Associations called and I agreed to pay {$5.00} a month back to be in a program called " Financial Disclosure For reasonable Affordable Rehabilitation Payments ''. I filled the paperwork out and included my pension pay stub, then they begin calling daily sometimes more than once a day. Next I had to refill out the paperwork a second time & re mail it back. Now they are saying they do n't have my pension pay stub and I ca n't be in the program. I 've made XXXX payments already before they started telling me I could n't be in the program unless I faxed them another copy of my pension pay stub. I explained I live on {$650.00} a month and ask them to dismiss it due to financial hardship. I also explained to them a couple of schools ( XXXX Online charged for classes I withdrew from and kept the loan instead of returning it ) ( another school has closed but also kept the loan money after I withdrew ). Delta Management is harassing me non stop and saying I ca n't be in the program unless I re mail my pension pay stub at once which I explained I ca n't until the first because I live on a fixed income and do n't have the money to go to town and fax them another copy. They are also demanding access to my bank account which I refuse to give them access. My income is limited only {$650.00} a month, I pay $ XXXX month insurance out of that. I feel if they get access to my bank they will withdraw all my money. When I ask to speak to someone in charge I was placed on hold for almost an hour so I hung the phone up. Delta Management is causing a lot of stress as now I 'm on XXXX XXXX meds because of them calling and demanding access to my bank account and telling me I 'm not in the program. They call after XXXX sometimes at night, block their number where you ca n't see that 's its them calling. I also never received the paperwork from them after agreeing to the {$5.00} a month for the program when they promised they would mail it right out. I was suppose to receive the paperwork showing the agreement. I do not like being lied to, them demanding to re send a pension pay stub, re mail in forms again, demanding access to my bank account. I feel since they are harassing me contributing to health issues and the fact I 'm in a hardship financially they should dismiss the money owed. They keep adding interest to the loan. I have not received any paperwork showing where I 've made XXXX payments. I 've ask for a forbearance also.
Consumer complaint received 2016-05-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: GOLDMAN SACHS BANK USA (TX)

After applying to open an online savings account with GS Bank, they have been unresponsive to me after gathering my personal information. After applying for an account, they ask you to submit personally identifyable data to verify your identity. After submitting the data, an error message appeared saying the account could not be opened. When I called, they are refusing provide me with information as to why. Per the account agreement online, the only requirements are that individuals be US residents, XXXX yrs or older, and have a physical street address. There is no minimum account balance required. After calling them, they refused to provide more info and said I would get a letter in the mail, several weeks have passed and no letter. I feel that they are not treating me fairly.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

I opened a new Checking account at TDBank online. 
Checking XXXX XXXX On Thu XX/XX/2016 I deposited {$5000.00} from a personal check, at the XXXX NY branch. 
I asked when it will be available, the teller who said to be a supervisor said. {$100.00} now the remaining on Friday. I told this is a new account and I am funding it with it and need to make payment, to which he replied not to worry, I can make payments right away on Saturday. 
Till now the money was not credited. My XXXX account was debited right away. TDBank refuse to make good as per their policy of new accounts. 
I asked to have the money returned right away in Cash or bank check or credit it to the account. I met with refusal. TDBank is fraudently holding my money, the same way a thief is punished from stealing, the same should be when a business still and this case their XXXX. 
XXXX, a XXXX of online banking refuses to escalate the call, I asked for their counsel so may bring action in small claims court or an address and refuses to provide. 
I also wanted to open a joint account and was unable to do so online, now they want me to come to a branch with my spouse. Like we work for them, nowhere was indicated in their website of such, just the opposite, it can be done-
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

Iam filing this complaint becUnder Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.Under Section 611 ( 5 ) ( A ) of the FCRA- YOU are required to promptly delete all information which can not be verified.beacuse Equifax ignored my request to provided me with the documents that their company has on files that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. 'that i have disputed.Please resolve this manner as soon as possible.Thank you.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax sent me a letter stating that almost everything was removed from my credit report except for XXXX item from XXXX XXXX XXXX, they claimed this was my account. Now I have been in touch with XXXX XXXX XXXX and they have told me that someone that I did not know was on that account and that they were investigating it. I would like the proof Equifax has received from XXXX XXXX XXXX since XXXX XXXX XXXX has not contacted me with their investigation results and another credit reporting agency blocked them from my report due to identity theft.
Consumer complaint received 2017-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP (OH)

I went into Key bank on  XXXX  and  XXXX   XXXX  in  XXXX  ohio  XXXX   XXXX    XXXX   and asked  XXXX   XXXX  about personal loans and lines of credits. I told her I had a  XXXX   credit score  and she told me that did not matter, made me fill out an application then called and denied me for not having a  XXXX   credit score . This was deceptive becuase I would have never had a credit pull if she told me a  XXXX  was required. Now my score is even worse due to this.
Consumer complaint received 2017-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law.
When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.          XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NV)

Chrysler Capital furnished a fraudulent response to my earlier complaint, and they continue their grossly negligent handling of my account. 
. 
1. They have failed to accurately and fully acknowledge the full extent of the overpayments I am due in a refund. Consistent with the utter stupidity and incompetence of this outfit, they fail to recognize I am due ( a ) refunds of over-assessed tax payments, and ( b ) overpayment of one monthly lease payment, IN ADDITION TO ( c ) the {$590.00} security deposit they refer to in their response letter. 

2 ) They have admitted that after more than 2 solid months, they STILL have failed to do any final accounting of my account. They only NOW promise that they WILL do so on XXXX XXXX, and this is obviously only because I filed a complaint with the Feds. Had I not filed a complaint, no accounting or statement would have been forthcoming.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander Bank charged me {$3.00} paper statement fee even though I chose paperless statement during account opening. Apparently they removed my email address on file and since they do n't have XXXX they opted for paper statement without telling me.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called Transunion, XXXX, and XXXX to make sure my fraud alert was put on my file, Transunion and XXXX are the XXXX that are giving me the run around and said it was and I asked them about all the inquiries that I had no knowledge of and asked them why they took them off then put them back on again. I was told I had to contact the creditors directly and discuss it with them but all this was taken off and put back on she said by mistake. How is that a mistake?? I have a copy of the police report sent out to all XXXX credit bureaus. XXXX was able to take them off the same day over the phone but I feel like the other XXXX just do n't want to do their jobs.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Hello I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX off open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX off for the months of XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX for the months of XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 2017-03-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

After viewing a copy of my credit report, I noticed two collection accounts placed on my credit report from XX/XX/2015 and XX/XX/2015. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 
I had previously requested the following 3 from your collections services of XXXX which has never happened. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and according to my credit report from all 3 credit bureau agencies, you have already violated my rights.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

XXXX XXXX placed duplicate inquires on my credit file, as well as my husband XXXX XXXX XXXX ' credit file for a joint credit application, over 2 consecutive days last year. This resulted in a total of XXXX inquiries for the both of us for the purchase of a XXXX pickup. The dealer, XXXX XXXX did the first credit check, resulting in XXXX hard pulls in XXXX XXXX on our reports. Then, XXXX had duplicate inquiries on each of our credit files for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. We did not authorize duplicate hard credit pulls. We only authorized XXXX. The duplicates may have been due to my husband 's credit alert from a prior identity theft, I 'm not sure. However, the truck purchase should not have resulted in XXXX hard pulls between the XXXX of us. 
Regardless, we contacted XXXX who sent the attached letter dated XXXX/XXXX/XXXX, stating they would notify the credit bureaus to have XXXX of the duplicate inquiries removed from each of our credit files. Equifax has failed to remove the inquiries on both of our reports to this date. I filed a dispute online on XXXX/XXXX/XXXX with Equifax , stating I did not authorize the duplicate inquiries on my report from XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Equifax sent me the attached email stating that they received my dispute and that their investigation was continuing as of XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I checked the status of their investigation and was surprised to see that it had actually completed the same day that I filed it, on XXXX/XXXX/XXXX, and that I was never notified the investigation was complete or of the results. In fact, on XXXX/XXXX/XXXX I was notified that it was still ongoing, see attached. The results of their investigation said that I should contact XXXX if I felt the access was unauthorized. I attempted to file a reinvestigation request and to attach the letter from XXXX, however Equifax 's online dispute service would not let me file this dispute and add the information. 
I would like these duplicate inquiries removed from both my report, and my husband 's, as requested by the accessing creditor, XXXX.