davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (PA)

I filed a timely claim form to the National Suntrust Settlement Admin and have verified thru their toll free # that the claim form was received via their website. I have been periodically checking the status thru the automated system and have spoken directly to several different representatives and as of today, the only information being provided is that the deadline to file was XXXX/XXXX/15, checks are to be released XX/XX/2015, and that there is no further information or an exact date for payments to be issued. Are they not bound by any law to distribute payments to eligible borrowers w/i a specified timeframe?
Consumer complaint received 2016-02-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Evergreen Moneysource Mortgage Company (WA)

In XXXX we bought a home and it was new construction. The county had not assessed the home yet for taxes so the lender used 1.25 % of our purchase price as an estimate. They collected three months of the estimated taxes and each month when we make our payment they were collecting {$490.00} for taxes. In our state taxes are due in XX/XX/XXXX and XX/XX/XXXX. The county had not updated our taxes by XX/XX/XXXX so I called the lender to see if they could release some of the escrowed taxes. They said they could n't until XXXX XXXX assessed the home and we got a statement. On XXXX/XXXX/XXXX we got our statement with our fully assessed taxes from the county. I contacted Evergreen Home Loans via email message on the website and phone. A rep told me she would submit the statement to the escrow department and it would be resolved in 3 days. I was never contacted again. I called back in on XXXX XXXX and a new rep helped me. She said the previous rep had never initiated anything but she would help me. She even looked up the statement with the county while on the phone with me. She told me it would be resolved and I would get a call in three days. Another three days went by and still no call. On XX/XX/XXXX I messaged them again via their website. This time the rep said they wo n't review until after the account is a year old, but they were making an exception. SHe said I was getting {$3200.00} and it would be here in 7 to 10 days. I asked her if my payment was changing also ( it should go down {$70.00} ) and she said no ... they wo n't change that until XX/XX/XXXX when the account is a year old. Then, she sent another message stating they were sending {$2800.00}, not {$3200.00}, they did their math wrong. When I messaged back asking if I could get an explanation or a phone number to call an escalation office she did not respond at all. 5 days later I got a generic message stating to call customer service with further questions. Today I looked at my account and they are showing my bi-annual taxes are {$2900.00}. They have been provided with my tax statement that clearly shows my bi-annual tax payments are {$2500.00}. They should be collecting now $ 418 monthly for taxes. As of today they are collecting {$490.00}. Previous to my submitting the statement the escrow info showed {$1.00} owed. Then they updated to the correct amount of {$2500.00}. Now they changed it to {$2900.00} for no apparent reason. My escrow balance is {$3800.00}. When I make my XX/XX/XXXX and XX/XX/XXXX payment the balance will be {$5500.00}. Taxes are due at {$2500.00}, and insurance is due at {$840.00}. Also I have PMI of {$290.00} per month. So on XXXX XXXX after everything is paid my balance will be {$1500.00}. Per HUD 's website they can only keep an overage of XXXX of my taxes and insurance amount due per year. ( XXXX x XXXX = {$930.00} ) So they should be returning an additional {$640.00} to me. I have yet to receive the {$2800.00} they claim they sent on XX/XX/XXXX, but I trust it is coming.
Consumer complaint received 2024-08-30
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2015-06-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (UT)

I received a call from location services saying that I was going to be arrested if I did not pay a debt of {$450.00} and they directed me to call a phone # and gave me a " case number ''. I call them and they also threatened to have my arrested, that I would lose my job, etc. In duress, I paid {$200.00} and then gave them my debit card # to set up payments.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite my numerous efforts to address the inaccuracies and repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These incorrect accounts are causing significant damage to my credit file and are severely affecting my ability to live a normal life. The impact of these errors has led to considerable hardship, prompting me to urgently seek your assistance in resolving this issue as soon as possible. 

I respectfully request a detailed investigation into the reporting of each disputed account. It is crucial that immediate steps are taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is essential for me to regain control of my financial stability. 

I urge you to prioritize this matter and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. 

Thank you for your attention and assistance.
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) Transunion made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview XXXX foreclosed on my property without proper notice nor will provide documentation to me or my legal counsel showing they did act within the law. Me and my legal counsel has requested the required documentation from the trustee Co and have not provided proper documentation. I was in the middle of a loan modification while all of this was taking place.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I began making payments on a Capital One/Yamaha Account. I made my first payment in XXXX XXXX, 2015. Unbeknownst to me, my due date for this account was the XXXX of each month. My XXXX XXXX Bill Pay was sending the checks on the XXXX, but they were not received until the XXXX or XXXX. I have just realized that Capital One has been charging me {$35.00} a month for the past 24 months at the tune of {$840.00} + interest. I feel like I have been taken advantage of. They will not forgive these late charges.
Consumer complaint received 2024-08-30
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

I have an business account with suntrust, and i rarely use it due to the problems that always occur when i do. i am XXXX, and i was checking on my account and was shocked when i saw a negative XXXX charge. i learned from recent situations that i should call suntrust due to its incorrect online balances, so i did and each time i would call i was told that the computers were down, and i would have to call back in 2-3 hours. that would be XXXX my time, and i wasnt willing to stay up that late. i finally get a hold of them on XX/XX/XXXX and was told that my account went over XXXX dollars, and so i was charged XXXX dollars in overdraft fees! that charge absolutely shocked me. i spoke to several supervisors, and stated that this charge was unnecessary, and i was told that due to previous courtesy credits they could not provide me with another one. most of the previous credits, as i explained to these supervisors were also due to bank errors. she said that they were still considered courtesy credits, and that i would have to pay the XXXX in overdraft fees. all the representatives i spoke to seemed uninterested, and unwilling to help me. by the end of the call i simply stated that i would not be paying this fee because it was unnecessary, and the supervisors reply was i will notate the account! I honestly never use this account, due to problems i had with them before, but i was forced to due to some checks. All i want from suntrust is to take the fees off, so i can pay the XXXX i owe, and close this account. this bank is by far the worst bank i have ever worked with, and i have several accounts with banks much smaller than suntrust.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My vehicle was re-possessed without ANY prior communication. 

My information with CapitalOne has been the same since the day my loan originated ; phone number, and email, my address changed a year ago but I made sure they had everything correct. I had fallen behind on payments but called and was told that because I am once again employed and can make extra payments I was " fine. " " Fine '' apparently means " just kidding, we 're coming for your car. " I received no phone calls, no emails, no letters prior to my car being taken. This is a direct violation of my consumer rights. Additionally, the repo company that took possession of my car ransacked my belongings as well as the interior of the vehicle, they made me sign a form saying everything was returned to me in good condition before I was allowed to see any of it or enter my vehicle.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CA)

Within 4 weeks, I have been contacted by the fraud departments for XXXX different credit cards. Chase Amazon Rewards, XXXX, and Chase Freedom have all said someone applied for credit cards in my name. I was contact by phone for the first XXXX and received notices in the mail for all XXXX. I said I had n't applied for any credit cards other than Symphony which is affiliated with a bed I purchased from XXXX XXXX on XXXX XXXX. This one is legit. The others are not. Chase Amazon and XXXX sent me the credit cards, and I cancelled them immediately. 2 days later, a bank statement from XXXX XXXX XXXX arrived in the mail. I have a valid XXXX XXXX card with them, but I did not open checking and savings accounts. The statement showed no activity on them. I closed these immediately too. 
All XXXX banks verified the applicant had my correct name, address and birthdate, but they gave different social security numbers and phone numbers. I went to XXXX and obtained a XXXX report on myself and enrolled in their credit alert program. My report shows recent inquiries from these banks. My name and address is correct on all. XXXX has an old XXXX area code phone number from 10 years ago, but it was mine. XXXX has a XXXX area code phone number which I have never had. I called XXXX and someone answered. Reverse white pages shows this to be a XXXX XXXX number in XXXX, California. I do n't know who it is, but it would be worth someone investigating. 
I 've never had an identity attack like this before. What do I do next?
Consumer complaint received 2015-06-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit.
Consumer complaint received 2024-08-30
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. (NC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2015-10-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Multiple calls when due for a payment up to 7 times per day. More recently they called my father 6 times in 2 days between XXXX/XXXX/15 and XXXX/XXXX/15 concerning a payment that is not due until XXXX/XXXX/15. They did not call me at all. My father called me and relayed the message to me. When I called them at XXXX the rep was confused and said " uuum I think this was a courtesy call ''. He confirmed the due date was XXXX/XXXX/15 but could n't give a definitive explanation for the calls.
Consumer complaint received 2016-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

After a month long ordeal of begging Ditech to pay our property taxes from our escrow account and having to prove our property was indeed the size the signed mortgage and deed says it is, Ditech told us on XXXX XXXX, 2016 when we called in the morning that our already past due taxes would be paid to our township. We received a tracking number from XXXX for an envelope that was never shipped and was made on XXXX XXXX. We called Monday, Thursday, Friday and Saturday during the week on XXXX XXXX asking when our tax payment would be sent and notified them that the taxes are past due and will be turned over to our county on XXXX XXXX with additional late fees and a lien will be placed on our home. The lien could cause a ding on our perfect credit. The taxes are still not paid and funds were removed from our escrow account to cut the checks for the payments that were never sented. We have a previous complaint for this issue with the CFPB and Ditech was sent an official notice of error. 

Ditech has been provided with tax bills and contact information for our township.
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Accounts & Advisers, Inc. (MN)

I am a victim of identity theft. I do not owe a debt to American Accounts Advisors. I have repeatedly received phone calls from debt collectors from American Accounts Advisors who has harassed, verbally abused and threaten me with arrest and wage garnishment. American Accounts Advisors in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I have been trying to work out my mortgage with select portfolio servicing for over 8 years now they refuse to give me an accurate accounting on my loan balace, they have refused to abide by the settlement they made with the federal goverment on the loan modification they were required to offer me. A princpal reduction, reduced payments and a at market interest rate. They now have told me my mortgage is discharged and there is only a lien on my property. I have proof of {$42000.00} paid to them which I am attaching. They allowed my home to go through a tax forclosure sale that i had to reedeem. I have attached proof. I have attached proof they ordered my locks changed on my home while i was in bankruptcy and under bankruptcy protection. As of 2 weeks ago the contacted my attorney with XXXX offers on my mortgage XXXX at {$130000.00} at 7.78 % interest with approximately {$100000.00} in princpal reduction the other option {$130000.00} at 3 % interest for 30 years with a {$140000.00} ballon payment at the end of thirty years. This is just bizarre I recived a call from one of there agents and was told i did not qualify for the goverment settlement that it expired and this was the best I could do. I told them that was not true and i was was being lied to again. There continued harrassement is effecting my life and health. This company continues to harass me and will not provide me or my attorney with answers. I dont no where i stand what is going on with my home. I want the lein on my home discharged or a proper mortgage with with credit for all payments made at a proper interest rate with all there phoney fees removed.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This is a follow-up to a current complaint about XXXX. I am providing documentation that shows my account has never been late, but the payment status indicates more than 90-100 days late. This incorrect information has significantly lowered my credit score.
Consumer complaint received 2015-03-25
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services (FL)

Mercedes Financial has been reporting incorrectly to all bureaus and I have written letters and contacted them directly no correction has been made. I even wrote the bureaus and still over 6 months no corrections. Also they have reported 3 late payments and I was never late. I would like this resolved because of inaccurate information for the loan payment amount which should be {$810.00} they show {$760.00} which I have a contract so do they. I have done my part numerous times and bureaus only tell me its correct even though my contract says otherwise.