davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-09-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (IN)

I got a loan through GM ( Americredit ) I purchased the vehicle in XXXX for XXXX. After taxes and all the loan totaled XXXX. The payments are XXXX a month. Well in XXXX XXXX I was in a car accident and unable to work, Gm calls my house daily XXXX or XXXX times a day and I have explained my situation that I am injured and do n't want to talk about the same thing daily. When I purchased the loan I told them I only wanted a payment below XXXX. I was told that it would refinance in a year. They keep saying that they are going to work with me, but they have n't and I refuse to pay all that interest on a truck. loan started out at XXXX now I still owe XXXX after XXXX worth of payments. In XXXX XXXX, GM started calling my husband he was XXXX over the road, he kept telling them he could n't talk he would get back with them after he parked, they call him back to back everyday. It is illegal to call a person on their job so many times especially when you speaking with the person that tells you they will call you back. They put a repossession man on the truck and he logged into my facebook account and pretended to be my godson that is stationed oversees to get my address when they already have my address. Then he called my home and told me he was there to pick up the truck which he must not have been cause at the time I was out of town with my husband. He should have never called me that is total harassment .Then they called my sister, father in Kentucky and told them that I was behind on my truck payments which is scandal cause you talked to my husband several times, and also me I explained if I am home I will get the phone or call back so you did n't need to call anybody, then you called my friends XXXX XXXX and XXXX XXXX XXXX and told them the same thing.This is very illegal.When I asked them about refinaceing the vehicle they told me they do n't refinance, if you are a legal bank how do you not refinance when you told me that you would refinance the truck in a year, the only reason I signed the documents was cause I was gon na get a lower payment the following year which never happened! I want the interest taken off and the balance forward, cause the interest is not doing anything for me and I refuse to pay all that uneccessary interest when the truck is not worth it and nobody will refinance me cause the loan is upside down. I actually have a loan that is considered predatory lending which is illegal and I want something done about it. I am tired of the run a round from GM ( AMERICREDIT ). I also want pain and suffering from the harassing phone calls from GM and the Repo man and I want my husband compensated for the harassment on his job, rule clearly states not to call at a place of employment, GM kepy calling even after they were told not to call him at work. I also want compensated for telling my business to my family and friends. Thanks for your time and attention in this matter
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

We owed {$10000.00} to XXXX XXXX XXXX. We accidentally instead authorized an electronic payment of {$10000.00} to Capital One on XX/XX/XXXX. We contacted Capital One XXXX hours ago ( XX/XX/XXXX ) to notify them of this error and to request reimbursement. They have told us that their " process '' requires us to wait XXXX business days or more in order for them to investigate the situation. It is a simple problem : they have {$10000.00} of our funds that do not belong to them, and which we need to pay to XXXX. By contract law, they obligated to return these funds as soon as they were notified of the mistake, i.e., mitigate damages to us as far as interest costs we are at risk of being charged by XXXX. We want the funds returned by wire transfer in the next XXXX hours, or we will be forced to : cancel the Capital One card and retain an attorney.
Consumer complaint received 2023-08-15
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. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

Hello, I am a XXXX agent, I am working on a short sale and US Bank is holds the XXXX lien. I have documented EVERY conversation, email and fax. They have not responded to ANY communication since XXXX, and I have a pressing need to get the file assigned to a negotiator. The XXXX mortgage is with XXXX and they are already reviewing the file. They will likely give me an approval within XXXX weeks and US Bank has n't even confirmed a complete package!
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (FL)

I have disputed the following account : Account Name : XXXX XXXX XXXXXXXX Account number : # XXXX with XXXX XXXX Experian, and XXXX XXXX multiple occasions over several years. 

I have requested a re-investigation and verification of the account, but the agencies only respond with automated letters, failing to comply with the law and violating my consumer rights. However, they stated everything was complete and accurate, but how is that possible if the last date reported, date last activity, Status, date last payment and much more is inaccurate? 

How can explain that after being reported as a charge-off for several months, it suddenly now appears as a collection account. One agency reports one amount for the charge-off, while another agency reports a different amount. Also they do not report that the account is being disputed All these inaccuracies and violations limit my ability to obtain new credit cards, better interest rates, damage my personal finances, and currently prevent me from accessing the purchase of a home for my family.

According to 15 USC 168 1i ( 5 ) they are supposed to modify or delete accounts that aren't reporting correctly.

Also, in accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 SECTION 602 A. States I have the right to privacy.

15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimea which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they arent even in compliance with metro 2 credit reporting. I have evidence attached to prove my case.
Consumer complaint received 2024-10-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alorica Inc. (TX)

I have been getting constant calls. 

within the 30 day window I have requested proof of dept XXXX. **Verification of the Debt** : Documentation that validates the amount owed and that I am the debtor. 
XXXX. **Details of the XXXX XXXX : The name and address of the original creditor, and the original account number. 
XXXX. **Proof of Your Authorization** : Evidence that they are authorized to collect this debt in my state.
Consumer complaint received 2016-08-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (WA)

I had a bank account with US Bank for over 3 years while I worked for them. Shortly after I changed to another company, the account began charging a {$17.00} monthly service fee. I was n't sent notice that this would change, and as a result I decided that I was going to close the account. I began the process of changing over all my direct deductions so that I could close the account without any issues. I had one last medical account that had n't changed over, but also had n't been paid because I had no balance. Before I closed the checking account, I had visited the dentist and accumulated a balance on that medical card account, so the autopay resumed from the US Bank account. This caused an overdraft that I was unaware of because I was no longer using the account. Once I logged in to transfer my final few dollars to my new account I found that my medical card autopay had caused a negative balance of just over {$34.00}. When I was finally able to get into a physical branch to pay and close the account, the balance had increased. More monthly fees and extended overdraft had been added. To that point, I had still received no mail to alert me to the problem. I paid the teller at the branch {$35.00} and requested that the account be closed and the balance waived because the balance that remained was all bank fees. In more than 3 years I did n't have a single fee waived, yet the teller advised that this request could only be completed at the branch that the account was opened through. I explained that I had moved and it would be difficult to get back to the original branch, however she was still not able to assist me. Shortly after this, and before I got back to the state with my original branch, the account was sent to a collection team. As soon as I received a letter from them I placed a call explaining that the balance was all fees, and I requested that it be waived. I was again advised that only the originating branch could assist with waiving fees. I called t down to the branch that the account was opened in and explained that it was difficult to come down in person, but that this was the only branch that could resolve my problem. They referred me to the manager of that branch who said he also could not help because the account was placed in collection, and once that happens it is out of his hands. He stated that he would look into the issue and call me back in a couple days, it has been over a month, and I have n't heard from him again. I now have an account that could at some point be listed on my credit report as a collection, it is a balance of all bank fees, and no one will assist me. This checking account pulled {$25.00} from a savings account that had no funds to pay down the increasing bank fees, and that savings account had also been closed and charged off. I have not heard from collections about that one, yet.
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CO)

XXXX 2015 a {$450.00} item showed up from a check written on my credit card. 
There was an additional fee for the check of {$22.00} I did not use a check and reported the activity to Citi Card after receiving our statement. The check was never authorized by me and I disputed the charge and the fees. The representative from Citi told me not to worry and the charge would be removed. I also at this time requested they not send me blank checks to my unsecured mailbox. 
On my XX/XX/XXXX statement the charge was never removed, and I am still getting blank checks in my mailbox. Made a second call and spoke to a representative at Citi and they informed me that they would take care of it including not sending blank checks. This time I started monitoring the online account activity. There was no change on my account. 
I called a XXXX time and requested specifically they send me formal dispute paperwork. At this time the representative at Citi asked if I wanted to list my Husband on the account as we just got married. I said sure. I also re-iterated that I am still getting blank checks in my mail which is how this type of fraud starts. The representative said they would get the checks to stop. 
After not receiving the dispute form I called a fourth time. This time I was able to coax them to actually sending the paperwork to me. The fraudulent copy of the check was in the dispute form and was clearly not something I signed and authorized. Further, it is not legible enough to even determine what financial institution accepted this fraudulent check. 
I filed the dispute paperwork on XX/XX/XXXX. 
On XXXX XXXX I received a statement from Citi stating they need my husbands signature to process the dispute. I find this insulting since he was not on the account and still does not have any credit scoring information assigned to this account. 
The check and check fees are still assessed against my credit card account. 
At this time I feel that there is no good faith on Citi 's end and have been dealing with the issue for three months. This is not acceptable behavior for a financial institution of this size and contradicts their fraud policy advertised on Television and other media sources. 
My Citi Diamond Preferred Card Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX : was XXXX XXXX during the fraud activity. 
Account ending in XXXX My personal contact information is : XXXX XXXXXXXXXXXX I recently received a
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We originally had a loan with XXXX. It was serviced by Greentree for a while and now Ditech. We 've had a terrible experience with both Greentree and Ditech. 
In the past I submitted complaints about Greentree with the Department of Business Oversight.Therefore, I 'll limit this complaint to my experience with Ditech. We were making biweekly payments with XXXX and have continued making biweekly payments all along. Ditech apparently ca n't handle biweekly payments. I have spent countless hours trying to figure out what they are doing. There were a couple of months where my balance went up instead of down and they were charging late fees for electronic payments that were deducted directly from our account. As a matter of fact, they should have had excess money, as I recently started making additional payments to reduce the principal balance. Having the extra payment be applied directly to principal reduction is also a challenge. They hold the money in an unapplied funds account. I have to call to make sure they apply the funds towards principal reduction. Every time I call I get different explanations. 
Regarding the late fee, they said that the payment for XXXX XXXX, 2016 was returned. We checked our XXXX XXXX account and the funds were withdrawn. When I called back the new customer rep said that the funds for XXXX were there. Now he says the the XXXX XXXX statement was returned. This was not the first time they claimed a payment was returned and charged a late fee when, in fact, the money was withdrawn from our bank account. 
It is impossible to know how they are applying our payments as they misapply funds and they go back and reallocate the money. On the website you ca n't see the details unless you click on it. Which makes it extremely hard to see the full picture. 
I have requested numerous times an amortization schedule based on biweekly payments, and every time they send me an amortization schedule based on monthly payments. 
At this point I have XXXX confidence on ditech being able to service my loan.
Consumer complaint received 2024-10-07
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (IN)

The loan was paid in full at the date of closing XX/XX/year>, when we sold the house. Mr Cooper continues to report the account active and reporting late payments to the Credit bureau, which has destroyed my credit. Furthermore Mr Coopers website has been hacked and they do not have a secure portal. I have also been charged numerous late fees and other charges, I plan on filing a lawsuit against this corrupt mortgage company.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-08-13
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. (CA)

I do not recognize these inquiries, and I have no connection to the listed creditors. I urgently request that they be removed from my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-08-13
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. (FL)

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Eagle Home Mortgage, LLC (WA)

Re : my loan and mortgage payoff. 
It has been over 5 months (! ) since my loan was paid in full. Yet I have not had one word from UAMC re my payment. More importantly a RELEASE REQUEST from UAMC ( releasing the mortgage lien from the title ) has not been sent either to me or to the title company. This delay in sending the release request within a reasonable time of final payoff is ridiculous to say the least. My only clue as to the final payment was simply that it was recorded on the UAMC website as loan closed. Requests have been answered with " we are backed up ''. Actual personnel has otherwise been difficult if not impossible to contact re any problems. This is a company where no one seems to be able to answer any questions and/or it is simply pass the buck time. 

I should have realized this when we were n't even able to figure out where to wire the final funds. My bank had to spend half an hour to try to track down the information ... with a final answer from the VP Treasurer.
Consumer complaint received 2015-06-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

On XXXX XXXX, 2015, I spoke with XXXX XXXX from Green Tree Servicing. This is the company that bought my loan from XXXX XXXX. After trying for a year to do a short sale on my condo, I was forced to keep it because they would not agree to a settlement. After trying to negotiate with them for a year, I decided to rent out my condo because it was going to go to foreclosure. I do not want to keep the condo, and the bank is recognizing this problem, but they can not do anything about Green Tree. Consequently, they continue to ask for documents that they already have. THis has been going on for a year. They continue to harass me with telephone calls and tell me to go to relatives to borrow the money that I owe them. XXXX XXXX told me to ask my " sugar daddy '' for money. He said that they did not want to make an offer because I might have won the lottery without telling them. This was very disrespectful and uncalled for. I find Green Tree to be very unethical and practice bad business habits. Now, I am again back to the beginning with them asking for more documentation. Its just a vicious circle. I can not get an answer from them. I am submitting this complaint, so that someone will answer my questions. I just want a resolution, so I can proceed.
Consumer complaint received 2024-08-13
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. (DE)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX Balance Owed : {$8.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>