davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NC)

In late XXXX, early XXXX of 2015, I made some purchases that were supposed to go through my XXXX account to my XXXX XXXX account. Instead, XXXX erroneously charged my Suntrust account. I had been trying to remove this account from XXXX for months but kept getting errors. I contacted Suntrust to stop any transactions from XXXX and XXXX, the banker, told me she would handle it. Weeks passed and my account went negative from the issue because the charges were never blocked. I contacted my banker again, only to find out she was no longer with Suntrust. The branch manager at the time stated she would look into it and get back to me. Another week passes and I call to find there is a new branch manager who knows nothing about the situation. I stated I wanted to have this resolved and she said there was nothing she could do because the account was now in closing status. She said to wait until it fully closes and call back. I did. When I called back, I was then told there was nothing I could do because the account was closed and I would have to wait on a letter. Now, this account is reporting to my XXXX and Suntrust is being very " oh well '' about it, when they can clearly see the multiple attempts in my account from XXXX. XXXX needs a better system for removing accounts and Suntrust just needs better customer service. I 'm still trying to handle this account 8 months later and I 'm just getting the run around for the most part. Suntrust just wants me to pay the money and that 's about it. This is causing me so much financial stress because I ca n't get a bank account with my husband at his credit union with this on my file.
Consumer complaint received 2015-05-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I took out a loan with Speedy Cash for {$750.00} in XXXX 2014. The total balance for the loan including interest was for a total of {$920.00}. While I took out a pay day loan, the lanuage on the contract and especially the payment screen on the website made it seem as though I could make montly payments of {$210.00} for 5 months without any repercussions. For the first three months the balance on my loan decreased, reflecting the payments I had made for a total of {$630.00}. However, after making over {$810.00} in payments I found out that I still owed the full balance of the loan because the payments of {$210.00} per month were meant to pay only the interest on the loan and keep it open. Speedy Cash is now charging me {$1000.00}, which is a higher amount than what was originally agreed on.
Consumer complaint received 2015-12-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NY)

I contacted LVNV in XXXX 2015 about this account. LVNV responded stating that the account and his trade line will be deleted on or before XXXX XXXX. However LVNV continue to report the account. I am attaching the document that LVNV sent to consumer Affairs about the account. However LVNV is still reporting it to the credit report agency
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NM)

I paid off my loan XXXX days ago and was promised that I would have all of my paperwork in XXXX days, which was up XXXX XXXX, 2015. The only thing they sent is a Certificate of Title shat shows a Lien Release on my Manufactured Home. This is a Land Home Package. I have nothing to file at the County that shows my land is paid for. 
When I called Green Tree Servicing LLC on XXXX XXXX, 2015 the person made more promises to send my papers, and was extremely hard to understand but he finally told me I would be getting my papers soon. On XXXX XXXX, I got a letter telling me it is paid off. That is not sufficient. I was promised that I would get a Letter of Satisfaction, and my Original Note. 
Anything else is just not good enough. They have already admitted in an answer to a QWR that the mortgage was sold to investors ( which was not recorded in XXXX XXXX NM ) and last I heard was in a XXXX XXXX XXXX, with XXXX Bank as the trustee, and Green Tree Servicing LLC as the servicer. Anything else other than the original Note and Mortgage Satisfaction letter is not good enough. They sent me a photocopy of the note, so their is no legal reason for them to withhold my Note from me. So far they are giving me the runaround, and wo n't send the papers. If I want to sell my property, I can not do it without the proper paperwork. 
If they do not send my Note back, how will I know it is not still in that trust, making them money.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I requested Ditech to stop contacting me and harrassing me with threats of foreclosure on a loan they do not own. They have not responded with my request to validate this debt. I will attach documents sent to them again. I have sent debt validation letters to Green Tree and Ditech several times by registered mail and they have not responded. They are now threatening to purchase a insurance policy on the property which they say I will be responsible for paying. They are debt collectors and I am requesting copies of original assignments to them. How did they get my personal information? Please see copies of letters sent to them. They are threatening to foreclose on a credit agreement they say I have with them, I have never had a credit agreement with these companies they say they have an account with me that is secured by collateral. Please see attached letters they have sent to me and continue to send to me. They call me 3-6 a day and I have asked them to stop calling me until they can properly respond to my debt validation letter. They are not following 15 USC 1692 g1 g2, 1692 c, among many other FDCPA laws.
Consumer complaint received 2024-08-25
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. (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX # XXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

This is the law you use! Send this to XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2024-08-25
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. I believe this account contains numerous inaccuracies that warrant its removal from my file. The specific inaccuracies include :
Consumer complaint received 2024-08-25
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

I have had my cell phone number for 5+ yrs and suddenly started to get collection calls for someone I do not know. At first I was understanding and simply notified Barclay 's card XXXX that they had wrong number and to update and remove my number. Barclay 's card of XXXX always say they will comply with my request to remove my number and stop calling me. I currently get calls from Barclay 's every other day and I receive harassment regularly. I had to threaten FTC involvement just to get them to tell me who they are. they then told me they wo n't stop because they use auto dialer. I have received over 30 calls from them and asked to be left alone, however, they say that they will not stop because they do n't have my number as a primary number. They advised me that the unwanted calls will continue even through they acknowledge that they are calling the wrong person. This is incredible to me.CAN SOMEBODY PLEASE GET BARCLAY 'S CARD USA TO STOP CALLING MY PHONE AT XXXX AND THROUGHOUT THE DAY LOOKING FOR SOMEONE I DO NOT KNOW? 
I ca n't understand why they have a policy of refusing to identify themselves unless threatened with legal action. And i thought auto dialers were illegal in California? I ca n't understand how Barclay 's Card XXXX would tell me that they wo n't stop calling me because they ca n't find my account ( I NEVER HAD XXXX ) and this is somehow my fault this issue is happening. 
I really need help here ... .30+ calls and counting up to and including as i am writing this letter with them saying they wo n't stop is unacceptable harassment.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (FL)

I have been a loyal US Bank/Club Carlson credit card holder since XXXX '13. Initially I was attracted to this card due to the " Bonus Award Night '' that was offered along with Gold membership at the hotels. My husband and I have stayed at your properties around the world and have aligned our spending and stays with your locations. I was dismayed to hear that the best perk of the card, the one that set it apart from the competition, was being cancelled and replaced with a substandard offer. I pay my annual fee this month and your decision to cancel this benefit has forced me to question my relationship with your brand.
Consumer complaint received 2016-02-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Riverview Law Office, PLLC (MN)

Long story which I will keep as short as possible. I received a notice on XXXX/XXXX/XXXX from my bank that my account was frozen and told to contact Riverview Law. I 've called them every single day since XXXX/XXXX/XXXX trying to get details. They had the wrong name, incorrect address, address that did not exist in the state of MN. I 've been asking for a detailed list of all notices/bills sent for a medical bill from XXXX for my XXXX XXXX XXXX son for a XXXX injury that happened when he was living with his grandparent 's in XXXX MN. They have ignored me, hung up on me and put me on hold for long periods of time. They sent me a letter stating that due to the age of the visit there was no consent form on file. This is not true. I have the records and I informed Riverview Law before this letter was sent that I had them. They also told the XXXX the same thing. They now claim that the hospital misinformed them. I 've been trying to verify the debt and have asked everyday since XXXX/XXXX/XXXX for names, dates and addresses of where these notices were sent. I did manage to get XXXX bill from XXXX XXXX XXXX dated XXXX that they send was mailed to me. I 've informed them again that the address on the bill does not exist in the state of MN. The street address is a XXXX address and the city and zip code are for an address in northern MN. I 've offered to work directly with the hospital regarding this matter since I do n't feel that Riverview Law is honest and forthcoming with information in my attempts to resolve this matter. They said is does not matter if the information is not correct, they have a judgment and can legal garnish my bank account. I 've told them many times that I never knew about this and how was it fair that I have to pay over what the original debt is because both XXXX XXXX XXXX and Riverview Law did not do their due diligence in properly informing me of this matter. If I was informed like they are saying I was why is it that they have a wrong last name for me, an incorrect/not vaild phone number and an address that can be verified by the XXXX XXXX XXXX as non-valid in the state of MN. They also just told the XXXX that half a dozen notices were sent to me at my current address between XXXX. I was told by the hospital that Riverview Law did not have this file until XXXX. I questioned how they can make that statement since they did not have this debt at that time. I also have proof that I did not live at my current address until XXXX/XXXX/XXXX so how is it that they sent notices to an address that I did not live at until after the time period they are referring to. There are many complaints out there regarding the tactics regarding Riverview Law and my story is very similar. I do n't believe that I was ever properly notified by Riverview Law regarding this debt. In my dealing with them everyday since XXXX/XXXX/XXXX, I have records to prove that they have lied about the information that is out there regarding this debt.
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: FIDELITY CAPITAL HOLDINGS, INC (AL)

I received a letter dated XXXX XXXX, XXXX from Fidelity Information Corporation for a an outstanding balance to a XXXX that I do now owe. I responded via certified letter mailed on XXXX XXXX. XXXX disputing this balance and requested verification documents. The certified letter was signed for on XXXX XXXX, XXXX. I specified in the letter that I wanted written response. I have not received any written or oral communication with this debt collector until XXXX XXXX, XXXX at XXXX. The agent said she was with Fidelity Debt Collection and was attempting to collect a debt. I told her I had an open dispute and that I mailed a certified letter back in XXXX. She said she had no record of that letter and that it was impossible since they just received the account in XXXX. I then read her the letter that I received from Fidelity Information Corporation and the date. I also told her of the certified letter I sent. She said that was a different company and the XXXX companies had since merged. I told her that was not my problem, since I still have never received any materials and that I also requested to only be contacted in writing. She eventually hung up on me. I called back attempting to sort the matter out, they asked for verification of my SSN and I told them no, as there would be no way they would have my SSN relating to this balance as there was never a contract or documentation with my SSN or DOB. I told the agent that if she verified she had my SSN that I would verify the last XXXX digits, she then verified that she did not have either pieces of information. I then spoke to a XXXX XXXX that informed me that they would come after me with this debt and that the letter I sent meant nothing since it was with another company. I then told him to not communicate with me except in writing and that I would be contacting my attorney regarding this incident.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (KY)

I had a card with citi closed acct to open a citi rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. Citi sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and XXXX said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to citi for proof of debt and I get nothing, I paid anything I owed citi and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.
Consumer complaint received 2015-05-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (CA)

I had paid the debt in full that I owed to the health care provider XXXX last year via their ebillpay system. I was surprised when I got a call from the collection agency this year. After their call I faxed them the proof of payment to the collection agency. 

Recently, I received another letter asking for the same payment which did n't include my payment in the transaction history that was provided to me. 

I am being harassed by these letters and the collection agency is not doing it 's due diligence to investigate.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ON or about XX/XX/XXXX CountryWide Home loans INC allegedly sold my note for my house to XXXX AS TRUSTEE FOR HOLDERS OF XXXX XXXX ARM TRUST, MORTAGE PASS- THROUGH CERTIFICATES, SERIES XXXX, but prior to that transaction I have evidence that has come forth by way of collateral file. A Deed of trust from CountryWide Home Loans INC transferring all beneficial interests to XXXX XXXX as trustee for the note the date this occured was XX/XX/XXXX. along with this DOT was a allonge endosed to XXXX XXXX. 
Somtime in the year of XX/XX/XXXX CHL decided to void out the allonge and stamp on the original note a blank endorsement so that they could allegedly sell it to the trust. CHL has commited mortgage fraud, spoilation of evidence, S.E.C. fraud that violates trust laws, these violations need to be investigated thourghly.