davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Supreme Lending (CA)

XXXX XXXX ( DBA Supreme Lending ) NMLS ID # XXXX is the lender and XXXX XXXX of XXXX XXXX is their loan officer. Have gotten false and conflicting information consistently from XXXX and his office and have tried contacting both the regional manager ( XXXX XXXX ) and the branch overseer in Texas ( XXXX XXXX ) and received no response whatsoever. Disclosures came in wildly different than what XXXX represented on the phone and then he promised orally to send new ones that were correct and took weeks and much cajoling to do it even and they were STiLL wrong. Months of delays and then tells us that the files still have n't gone to underwriting because " they fell through the cracks, '' then he says later that it was " customary procedure '' for them not to get the file approved until AFTER an appraisal, which was n't ordered until weeks after the file was at Supreme Lending. When challenged, he then said that 's the way Supreme Lending does it. That 's odd, since they are charging the borrower for the appraisal even before they know if they can do the loan. Furthermore they did n't even ORDER the appraisal for a month while they had the entire file in their possession. Furthermore, XXXX prior lending partner ordered an appraisal for XXXX of the properties and it was completed and never paid for ( the company went out of business ), so the appraiser is going after US for the payment because he refuses to do the right thing and pay them and get a correct appraisal at the same time. Now they are using a demonstrably WRONG appraisal as the new basis for doing the loan at a much reduced value. We have detailed the inaccuracies and they have taken a week to respond and then basically said they were n't going to do anything about it.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX Loans. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. I didnt consent, authorize, apply, nor request for this fraudulent credit card account to be opened in my name. The address on file does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. There is also a address on my credit file reporting that is a fraudulent address as well in which, I never resided at the address listed. I have that address listed on my FTC/IDENTITY THEFT REPORT as a fraudulent address as well. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. Due to the fact the perpetrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this creditor. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files, and out of my name immediately.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

This bank is horrible, each banking rep in person or on the phone will give you different answers. The scam works as follows : The backend computer system adds a delay to any deposits you make will be delayed as long as possible in order to charge you more overdraft fees. 

Any withdrawals are structured in such a way so that they will not appear on your statement or at the ATM until its too late. They structure them to their advantage. There are literally hundreds of other people that have this exact same complaint. I want a refund for all NSF fees i paid to this bank or I will sue them in court.
Consumer complaint received 2017-02-13
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (IL)

While in the process of refinancing my home on XX/XX/2017 the loan processor attempted to obtain a payoff letter from Shellpoint Mortgage Servicing sent directly to XXXX and was told it would take 48 to 72 hours to send. On XX/XX/2017 loan processor was told I being the mortgagee could only request the letter which I did that day and on XX/XX/2017 on those days was told the same thing 48 to 72 hours to process the letter, on XX/XX/2017 made another attempt to request the pay off letter I was told i would have to authorize in writing which was done when original request was made to Shellpoint by the XXXX loan processor also that this request would take 3 to 5 business days, also that Shellpoint is a collection agency that purchased my loan several years ago and that my original loan is at 7.3 % interest rate.
Consumer complaint received 2017-03-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MI)

In XXXX, we found out that both of the homes we owned were filed as primary residences in XXXX locations in Michigan ( XXXX & XXXX ). When we purchased our home in northern Michigan, we did not know that our status in XXXX was not changed to a secondary home. When XXXX found this to be true, we were penalized and the taxes due as a secondary home were collected from us ( out of pocket - not as an escrow part of our mortgage ) by XXXX 's assessor. Due to medical issues for our daughter ( XXXX and ongoing issues ), we relocated back to XXXX when a job opportunity arose in early XXXX. Immediately, we told both location ( XXXX & XXXX ) about the change that would occur. XXXX would become secondary and XXXX would become primary. The city assessor also submitted papers to our XXXX Mortgage Loan Provider ( a HUD loan now with UXXXX ). Multiple phone calls and emails and submitting and resubmitting paperwork, and it is now XXXX, and XXXX still REFUSES to adjust the monthly payments to reflect XXXX as a secondary home. We have been calling since our move in XXXX and after. The monthly payment was nearly {$1000.00}, but it was based off XXXX being a secondary residence, which it is not ( with taxes escrowed ). U.S. Bank has been derogatory and difficult to work with. They have told us they have cashed our monthly payments ( all have been paid ), but they refuse to accept the monthly payments for the amount we are sending ( closer to prior amount when XXXX was a primary home ). We have received the run-around and the refusal of XXXX to correct the monthly payment, even with the repeated support of XXXX 's assessor resubmitting the necessary documents, along with us. I am so disappointed in how XXXX is treating us. We have had our loan with them since nearly XXXX? In an attempt to make sure they have no repercussions for this behavior, they repeatedly do not follow through on promises to send a corrected bill, they have turned us over the debt collection ( even though they have received monthly checks and cashed them ), and they sold our mortgage this week. I refuse to let XXXX treat us in this manner without filing a formal complaint and following the appropriate legal steps so that they do not do the same to others. This has been hours of our time and energy, that could be spent with our family or providing for our family - instead we are attempting to get a giant company to stop lying and not following through with an adjusted rate for a hard-working family that has been their customer for years. I highly recommend that no one uses the services of XXXX.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

My name is XXXX XXXX and cell number is XXXX. 
I got call from XXXX first time on XXXX today and after 10 minutes get another call from XXXX number. They said they are credit agency people so they need expuration date of my XXXX card of capitalone bank and they get information from XXXX that I pay my bills on time since 8 months and they can lower my interest rate. 

When I cross question them they start talking abusive language in XXXX. It is my mother tounge so I can understand what they said. I am sure this is international gang for fraud. XXXX is the language use in an XXXX country name XXXX. 

I report it to you and request you to take serious action. 

Your earliest action is highly appreciated. 

XXXX XXXX
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I consolidated my Federal Student Loans with XXXX in XXXX 2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo closed and account that at I had due to pay day loans that were not submitted by be. When they closed the account they placed some type of alert on the account keeping me from banking with them or their affiliates. In addition, I had an open identity theft case in Oregon and had went through a divorce that ended in my ex husband going to XXXX for fraud ; I am not sure if he or my sister who also used my information fraudelantly who also XXXX for the same thing and same charge. Since their releases from XXXX I have not been able to have a bank account.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CCS Financial Services, Inc. (MI)

I just signed up for XXXX and XXXX monitoring. On my MyFico XXXX report I just pulled, dated XXXX/XXXX/16, which I have attached to this complaint, this account is listed as:XXXX. Reviewing my XXXX report, it matches to CCS Collections. This account is listed on my XXXX credit report. 

I never received a letter in the mail that I was responsible for this debt. If I had received one, I would have paid it so it would have not appeared on my credit report. 

Please remove this account from my XXXX credit report due to the fact that I never received a letter allowing me to dispute the validity of the debt.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (CA)

Around XX/XX/XXXX I authorized XXXX XXXX XXXX to perform a background check. After about a week I found out that they faxed my information to a public fax machine in a library including my SSN, address history, and DOB. Further I also found out that this company shares this information with their overseas employees. The fact that they fax this information for employment verification is appalling, any employer already has this information and should not need it to verify my employment with them. Also the fact that an entire team in XXXX has access to my personal information is very scary, there are no regulations there and US citizens have no recourse if data is breached in XXXX. American information needs to stay in America!  This needs to stop! I suggest you investigate the actions of this company very thoroughly.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this is my second time writing transunion, XXXX in regards to identity theft and credit bureau did not produce physical documents to prove these accounts are mind. I sent XXXX certified letters to each bureau as well as an identity theft affidavit number XXXX and these accounts still remain on my credit report. XXXX XXXX XXXX XXXX XXXX BANK XXXX MORTGAGE XXXX BANK ARE ALL DIRECT RESULTS OF IDENTITY THEFT. PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It is so distressing and you have no idea how bad it is, Im an honest person working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This company XXXX BANK in violation of the FCRA 1605b, is continuously reporting unverified, invalid debt to my alleged consumer credit reports. This company along with its associated account ( s ) are listed in a notarized FTC identity theft report, to which they are now obliged by Federal law to block any further reporting of the alleged information to.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

A credit card from Bank of America is on my credit report. I do not have this card. I beleave my ex wife has it and wont take me off of the card. I am since remarried and we are trying to buy a home but the amount on this card is a real problem.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Guild Holdings Company (CA)

XXXX, I found a home and wanted a home loan. Knowing I had excellent credit I came to find out my mortgage company and non payment on the XXXX loan of the mortgage for XX/XX/XXXX and XX/XX/XXXX. I called Guild Mortgage to see what was going on. It was a mistake on their behalf. I waited for FICO correction letters and they were not sent. I called again, was promised they would fix and send. I never got copies. In XX/XX/XXXX I found some few homes. So, I went to get a pre-approval again and was denied, again, for the same thing, but for XX/XX/XXXX. I called Guild it was a mistake they would fix it. I ended up trying to work with one of their loan person since they knew my obstacles and they knew it was a company mistake. 
They tried by sending me loan papers to sign without explain anything. They said I had to sign papers in order to get things started. It is not the first property I buy, so I know papers are never sign before starting anything. Here I am in XX/XX/XXXX still getting calls every month about me missing payments and every months it 's a mistake on their part and they will fix my FICO by sending a correction letters, which I have not seen, except for one.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I was denied a credit card and the reason cited was that my credit score reflected a debt that was sent for collection. I am unaware of this. When I requested my credit report, I didnt see anything about accounts sent to collection.
Consumer complaint received 2017-03-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (IN)

To start off with I checked my credit report and got a notice of collections saying I owe {$730.00} to CMRE financial services which contains medical bills but I was XXXX for over XXXX at the date of the collection. My medical is completely covered by XXXX XXXX and I go to a on base facility. I 'm not paying for a bill that I never incurred let alone never heard of.
Consumer complaint received 2016-10-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (UT)

Faxed a written payoff request to CitiBank on XXXX/XXXX/2016 for a 1st and a 2nd lien. Received the payoff on the first lien almost right away. Was told that it would take 10 business days to process the request on the 2nd lien. Advised them that TILA/Reg Z indicates payoff should take no more than 7 business days but relented to the 10 business day timeframe since the loan is discharged bankruptcy. 

On the 10th business day called and they said payoff was being faxed this morning. Never came called them back and they said they only got the request on XXXX/XXXX/2016. They said because the request was not signed that they would not process the request. 

Since when do payoff requests need to be signed? Since when do they take more than 7 business days or even 10? 

Filing this complaint for the borrower XXXX XXXX. 

I attached the payoff request and the fax delivery confirmation.