davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

My Name is XXXX, I have been working with SPS on a short sale for more then a year, I also been writing complaints about that same amount of time, they ask for document 's I give them the asked for documents and by the time they are looked at, SPS needs more documents. as I keep going in the same circle with SPS not XXXX decision on the short sale has been made.it is now XX/XX/XXXX a new years, SPS is still asking for documents. my complaint is that SPS ca n't or wo n't complete the Short Sale Process, I have had a active buyer that is still waiting for a decision to be made, The purchase contract was submitted on XX/XX/XXXX, I started working with SPS in XX/XX/XXXX. 
I would like SPS to complete my SPS sale so I can move on. 
Thank you, XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have disputed Student loan late payments with Equifax MULTIPLE times over the last few months. Each time they come back with the same generic, 'verified ' response and change around different payment amounts and dates. However, XXXX XXXX, XXXX, they successfully removed all late payments on all four XXXX accounts. I was pleased as I thought they had finally gotten it right for once. Unfortunately, I was wrong, as they added all previously deleted late payments back on only ONE of the accounts.Which as you know is impossible for only one of the accounts to have late payments as they are all connected. I am well aware of the FCRA law ( section 611 a,5, ii ) that states that anytime a consumer reporting agency reinserts a previously deleted item from a consumers report, they must notify that consumer within 5 days of reinsertion. I patiently waited the five days for them to provide me the information they were legally obligated to, which never came. I then mailed them a letter stating all the information regarding the reinsertion, and stated the law supporting my claims and that I requested immediate removal of this account information. To date ( XXXX XXXX ) I have not been contacted by anyone or been able to get this matter resolved. I then awoke this morning to see that they have yet again added all previously deleted late payments back to the remaining three accounts. This is a clear violation of FCRA law forbiding the bureaus to reinsert this information without proper written notification to me. Not only have they reinserted the information, but the info they added back does not even match the other accounts. EVERYTHING should be the exact same on these accounts. That in itself is a violation because it proves that they are reporting unvalidated incorrect information.
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 was alerted of a security breach in XXXX XXXX, 2017 and failed to notify the affected parties for over a month. I have just learned my information has been compromised today. 
I have been trying to get my free annual credit reports, but Equifax 's servers are down. 

I have started the arduous process of not only securing my accounts and information, but helping other members of my family who are also victims of this breach. This all comes at a great cost of our personal time and money. Someone even charged {$180.00} worth of liquor to my credit card, even though I do not drink any alcohol, and that 's only what I have uncovered so far.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc. (MO)

Tower Loans, XXXX Missouri after being asked in writing to stop harassing calls, continues to call me multiple times per day. They call my work cell phone despite being asked to stop. They continue to call over and over, and leave messages that say " I know you have made your payment, but we need to talk to you ... '' or " this is XXXX, please call me back ''. They call from ( XXXX ) XXXX and ( XXXX ) XXXX mostly.
Consumer complaint received 2016-06-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (MO)

In XXXX I opened up a line of credit with PNC Bank in the amount of {$50000.00}. In XXXX, PNC bank decided to force me to close out my line of credit and that I had to pay off the loan balance otherwise they would foreclose my collateral real estate holding. My credit was not very good since I just got out of a bad business where I was using the line of credit to operate a failing business. PNC bank knew I was in trouble with my business and they will no longer wanted to keep the line of credit opened. I told them that I only had another six to twelve months on a fraud legal case and that if I settle I could pay off the line of credit. I asked them to leave the line of credit as current as I was willing to pay the interests and some principle until the court case is either settle or complete. However, PNC bank insisted that I must move it to a mortgage type loan and that they would charge me pre-payment penalty if I did settle with the other party and payoff the loan before mature date XXXX/XXXX/XXXX. I told them that I did not want to open a new loan with pre-payment penalty knowing that I would have the funds to pay off the loan once I settle with the court case. However, PNC bank said that if I did not have the funds to pay off the line of credit that I would lose my Real Estate collateral and that I must apply for the new loan and pay the pre payment penalty. I had a very lengthy discussion with the loan officer at PNC bank about the new loan PNC wanted me to do. Therefore, PNC Bank had not really giving me any choice but to sign the line of credit into a loan with pre payment penalty. 
On XXXX XXXX, XXXX, I was able to pay the loan off with the settlement money. I paid {$38000.00} leaving a balance of around {$3000.00} to pay off. PNC bank was still enforcing me to pay the pre-payment penalty after I told them that I was not employed and money was tight. 
On XXXX XXXX, XXXX, I was working with XXXX XXXX an executive Client Relations Specialist to try and help me with my situation. I asked her if they could eliminate or reduce the pre-payment penalty and that I could pay off the loan completely since I currently do not have a job and money is very tight. She said there was nothing she could do to remove or reduce the pre-payment penalty. 
On XXXX XXXX, XXXX, they have send me a letter demanding that I pay them the pre-payment penalty otherwise they will either foreclose on the collateral or place a lien on the property. 
I believed that PNC bank knew my situation and basically forced me into moving the line of credit into a loan that has pre-payment penalty knowing that I would settle my court case to pay off the loan or if I did not settle, they would foreclose on the property. I believe this is unfair since they also knew that I was financially in trouble and my credit was not very good to get a standard loan to payoff my line of credit. They knew I was cornered and that I had no choice but to get into a loan where they forced me to pay the pre-payment penalty.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-11
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. (AZ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-09-09
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ECMC GROUP, INC. (TX)

I was sent a letter from ECMC Group where I was given the option to " request a hearing in front of a judge '', on supposed student loan debt of over {$70000.00}, or they would proceed to have what little monthly income I make garnished. Note that my original loan amount in XXXX was only for {$18000.00} and I had paid a lot of that back. I have been barely working part time over the last several years and even had a recent bankruptcy to save our meager home from being foreclosed. How is it possible that " maybe $ XXXX {$10000.00} '' has become over {$70000.00}! There 's no way I 'll ever be able to pay this. I 'm at the point where I 've even considered XXXX. I have applied for many, many, jobs over the last several years and the prospective employers ca n't confirm my XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA, where I graduated in XXXX. XXXX went out of business shortly after I attended. It 's like they never even existed! I think the perspective employers think I lying about going to school? The diploma is 100 % invalid. I 'm hoping to have the student load debt discharged. {$70000.00}? 
I was given a form from ECMC Group to fill out for a hearing in front of a judge. I had the option of emailing it back to them ( ECMC ), which I did promptly. I never heard anything back. Well, the only company that I get some work from notified me that my wages were being partially garnished by ECMC Group 2 1/2 months ago. WHAT HAPPENED TO MY REQUEST TO A HEARING? They defaulted on my hearing. 
Now, of coarse I 'm not working at all. The one company I had to put at least a little food on the table has n't called me in over a month. 
I have proof I emailed the request back to them. It did n't " bounce back ''. They got it and ignored it on purpose. 
They broke the rules and I think that alone should clear me of owing any more on this ridiculous fraudulent insanely overstated loan. Needless to say I 'm also unable to confirm I ever went to school. 
Note that in the form it has the option listed that I can email the form to them. 

See attached proof I sent the email. 

Thank you for your time in this matter, XXXX 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. (CA)

Equifax neglected to inform consumers about the data breach. As a result, my information is at risk of identity fraud. Not only was Equifax aware of the breach before releasing information to the news media, it never reached out directly to inform consumers of the hack. Instead, I had to go to news sources to find out how to set up a fraud alert.
Equifax should have automatically placed fraud alerts on all of the affected accounts and alerted the account holders immediately.
Also, Equifax has not indicated how they are addressing the breach to prevent further intrusions. They have had similar breaches every 2 years since 2011. I find it oddly coincidental that they are so regular, and that the CFO and other executives cashed out stock right before the hack was made public.
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. (NJ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have to deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (WA)

I contacted Target Credit Reporting ( Servicer to TD Bank XXXX, XXXX. XXXX in writing by certified mail to ask for validation for a Target Store Credit Card that I do not recognize as mine. As allowed under FCRA, I requested a copy of any written agreement bearing my signature. They replied and did not provide any copy of my signature as required by FCRA. They have continued to report this account to my credit and they have violated my FCRA Section 623 by not updating the account to " disputed '' status on all 3 credit bureaus. The resulting violation and inaccurate reporting has caused me financial injury as I am being denied for a home loan due to XXXX XXXX XXXX refusing to validate this account as they are required by FCRA Section 609.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

On XXXX XXXX, XXXX. Ocwen mailed to me old paper work in regards to my current mortgage with the incorrect monthly amounts, the incorrect promissory note, which they are stating it is {$100000.00} which is a fabricated lie. I have the new mortgage which was redone by XXXX nearly two years ago with the new interest rate which is Fixed, the new amount which is under {$57000.00} dollars and a new monthly amount. I am requesting an investigation of the business practices of this company, which has systemic problems in providing me with correct information, etc. The old mortgage was signed by me in XXXX. Ocwen mailed me outdated documents. I mail my monthly payments to the XXXX XXXX XXXX, XXXX office. The Ombundsman XXXX XXXX mailed me a copy of the old outdated mortgage. XXXX out of XXXX XXXX, XXXX is out of the business. They gave me a fraudulent subprime loan and promised to work with me, if I paid on time for one full year. Ocwen regular monthly payment is {$440.00}.
Consumer complaint received 2017-03-13
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Real Time Group, Inc. (CA)

Real Time Resolutions with respects to loan # XXXX has not provided us with any payment records amounts or dates. Also CA has the One Action Rule CCP 726, CCP 580 we are raising the objection to collection based on CA 4 year Statues of Limitations also there is no deficiency judgement. Real Time ( RTR ) filed erroneous documents under penalty of perjury In claim # 1 in Bankruptcy Case No : XXXX XXXX CA. XXXX XXXX with false payment amounts no dates and piece together untrue loan documents, under penalty of perjury. We a seeking Sanctions to be imposed on Real Time Resolutions ( RTR ) for harassing and violating The Fair Debt Collections Act. And filing pieced together false loan documents with no dates, under penalty of perjury.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$XXXX} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control. 

This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
Consumer complaint received 2017-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I do not have a signed contract nor any contract with collection agency name I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX 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. (CO)

I was informed via social media and news sources of the Equifax breach on XXXX/XXXX/XXXX. I have come to learn this is a month or two after the initial breach. Equifax did not attempt to inform me that private information such as my social security number, addresses, phone numbers, driver license numbers and potentially credit card numbers was stolen and now up for grabs. In order to fix this problem, Equifax is providing credit monitoring for a year. This will not solve the problem because my private information is forever impacted. As long as social security number and the other information above is used as identifying information to open up new lines of credit, this will be an issue I will have to monitor. It will not stop after a year. I have to take my own steps to protect my information, including freezing and unfreezing my information at all the credit bureaus which will now cost me money every time I want to open a new line of credit. In my state I have to pay Equifax {$10.00} to freeze or unfreeze my credit line. So not only has Equifax created the situation where my personal information is forever impacted and created undue emotional and financial stress for who knows how many decades, but I will have to pay money to Equifax to freeze and unfreeze my credit line. 

I did not opt to have Equifax to store and use this information. I had no choice in dealing with this company. And now they are causing me undue hours and money in order to handle their mistakes. They reacted poorly to the breach, putting consumers at additional risk, and then provided a short term solution that does n't actually solve the issue, and created a situation in which they would actually profit off of us for years to come.
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. (IL)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Secure One Capital Corporation (CA)

On XX/XX/XXXX we closed escrow for FHA loan. During the loan application process I informed the loan officer of a dismissed Chapter XXXX in XX/XX/XXXX. Kindly enlighten me if I should have been given conventional loan instead. I am unclear of waiting period for a dismissed Chapter XXXX. I have the entire loan package signed on XX/XX/XXXX for your review for any fraudulent activity. Thank you.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

I am a Maine resident attempting to freeze my credit report with Equifax in light of the massive data breach. They are attempting to charge me {$10.00} for the freeze. As a Maine resident, as of XXXX, we have a law stating there is no fee for freezing and un-freezing your credit file. 

As per http : //www.mainelegislature.org/legis/statutes/10/title10sec1310.html " ... Beginning XXXX XXXX, XXXX, a consumer reporting agency may not charge a fee for placing, removing or suspending for a specific party or period of time a security freeze on a consumer report. [ 2015, c. 139, 2 ( AMD ). ] '' The other reporting companies ( Transunion and Experian ) successfully implemented freezes without requesting credit card information and payment. This breach is the fault of Equifax and not only should they honor Maine State Law and freeze my credit report without charge, but in this crisis, they should allow anyone in U.S. the ability to freeze their reports for free. The last thing we as consumers should be required to do is provide more credit card and personal information to a company that just demonstrated to the entire country that they can not and should not be trusted with such data.
Due to this delay in my ability to freeze my report without unnecessarily ( and illegally under Maine State Law ) providing them with even more sensitive information, they should be responsible for any, and all fraudulent activity that happens in my name ( and every other affected citizens ' name ), until there is a satisfactory resolution to this crisis.