davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OR)

Loss mitigation paperwork filled out any sent in, denied because lack of earned income. So, then I was able to fill out another one because I got income. I turned it it, with 7 days of foreclosure like the new letter stated. When they received it, they said I only had business days and real time. They discriminated me, I filed a complaint, they denied it but postponed foreclosure. So I was able to fill out loss mitigation paper work again on XXXX/XXXX/XXXX due by XXXX/XXXX/XXXX as stated in the letter. I filled it out and had it sent in by XXXX/XXXX/XXXX but they did n't receive it until XXXX/XXXX/XXXX ; but they did n't accept it because they stated that there was a different due date then what the letter stated. The problem is on XXXX/XXXX/XXXX they denied me my rights to loss mitigation, they are n't following the laws of SS 1024.41 ( h ) ( 2 ) deadlines. They are not honoring the letter and now there is only 3 days until foreclosure. 

They have been evading my application all year. And as soon as they found out I had a XXXX they acted like I already lost it and would n't accept my application. This is for US Bank, XXXX. 

They never sent me a denial letter and I read that they should n't be able to continue the foreclosure process until I do receive it. I have heard nothing. I am a single parent doing everything they requested and still they denied me what the letter said was available to me. I followed the guidelines, I still have the letter with the deadline of XXXX/XXXX/XXXX. They changed their rules and did n't tell me.
Consumer complaint received 2017-09-12
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. (MO)

Equifax failed to secure vital personal information including name, address, date of birth, credit information and social security number, leaving myself vulnerable to identify theft for the rest of my life.
Consumer complaint received 2017-09-12
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. (TX)

A recent Equifax security breach has resulted in my personal and confidential information in the hands of entities that should not at any time have access to it. I believe my information was improperly secured and I am concerned that Equifax is not taking appropriate precautions in securing personal data.
Consumer complaint received 2017-09-12
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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

There is an account in my Experian Credit report that I have not opened. XXXX XXXX XXXX. I have not opened any credit since the last 5 years from the XXXX XXXX. I have never associated with XXXX XXXX XXXX. I have never owned or used any credit card by that company and I am not sure why it has posted late payments when I never used the card, owned a card, and associated with the company. I have filed an identity theft report and a police report as well notifying this incident. I have also contacted my other financial institute informing them of this incident.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In response, to CFPB complaint in XX/XX/XXXX. 

Since the last complaint, I found no records to confirm the initial acceptance of " Debt Protection '' on my credit card account, and I have some questions. 

Was I automatically enrolled in debt protection? 

If not, how was I initially enrolled in debt protection and prove proof? 
( If it's through a signed document regarding debt protection, provide proof of the document that has my signature or if its through a phone call, provide a recording of the call ). 

After the last CFPB complaint, I've never heard of " Account Shield '' until after I saw Citibank response. Why is the words " DEBT PROTECTION " on only and more clearly on the billing statements? 

Can " DEBT PROTECTION '' be mistaken for something else like credit card protection? 

From Citibank 's response in the last CFPB complaint, and I quote " In addition, within the last 12 months, on page 3 of the XX/XX/XXXX billing statement, there is a reminder in bold print regarding the optional Debt Protection Product that was purchased, which also includes the number to call to discuss or cancel the product ''. It says " within the last 12 months '', why wasn't this message placed as soon as Citibank first took control of the Best Buy  credit card accounts in XXXX? This would have resulted in Citibank getting a cancellation phone call from me much sooner. 

What is the total amount of fees did Citibank, XXXX XXXX, and XXXX gotten from me since the duration ( XXXX - XXXX ) of " Debt Protection/Account Shield ''?
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/XXXX my XXXX yr. old mother was taken by a scam artist. The card information was falsely obtained. The person calling her was claiming to be her grandson in another state and told her he had been arrested for drugs and he was sick and needed medicine. She was told to go get 8, {$500.00} American Express pre-paid cards, call them back with the numbers so he could post bail. She did this and they continued to call into the night when she then suspected a scam and called me. I called American Express that night. i had to register 5 cards in my name and 3 in my wife 's so that I could dispute the charges. I did this and American Express told me they would reimburse the money. After weeks of submitting in writing a police report they have now denied without any explanation. I spent 3 hours on the phone one night being on hold for 2 1/2 hours. I get no response just a run around. Please help get my elderly parents their money back. They only live on Social Security.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I had a My rtgage with XXXX XXXX that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

Credence Ressource Management placed a collection on my credit in the amount of {$730.00} on XX/XX/year>, I called the company several times asking about the debt the company could not provide me any of my personal information, I sent a email requesting proof of debt. I have not received anything. I did research on the company and the reviews all said the company is a scam and not a legit company.
Consumer complaint received 2017-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I have an installment loan with Navy Federal Credit Union since around XXXX. I got behind on my loan at the end of XXXX and been making on time payments. Navy Federal Credit Union just recently turn my accounts over to a collection agency. I call them repeatedly to find out a solution and they statement a collection agency will be the best solution.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

I was at work about 3 weeks ago when i got a notification that there was two alerts that both for XXXX bucks at the same atm within a minute from each other. This was also an atm in a complete different city that i live and work in. Called canceled my card opened a dispute. A week went by they responded with nothing was found wrong. Called again and reopened the case. Today i get the same message back copied and pasted. What can i do about this? 

This was through simple banking
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Balance : {$950.00}
Consumer complaint received 2024-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXXXXXX XXXX I got an alert from my credit card company that my SSN was used on the black market and now my credit dropped XXXX points. How can I make That stop? I need to secure my ssn and privacy
Consumer complaint received 2024-10-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Social Security Number : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. Account Name : RocketLoans Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 

Related Inquiries : XXXX. Inquiry Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Inquiry Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Inquiry Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I contacted Bank of America at XXXX at XXXX XXXX spoke with a customer service representative named XXXX from West Virginia location, and escalated the phone call at XXXX pm EST with a customer service advocate supervisor named XXXX also based in West Virginia. The conversation was regarding my secured credit card recently becoming unsecure. I was told I would not be available to convert my existing credit card to a rewards card. Bank member since XXXX, accounts paid in full every month. I think its unethical with my payment and banking history that I am not eligible for a product change at this time.
Consumer complaint received 2017-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX/XXXX/2017 at approximately XXXX, I received a call at my place on employment in regards to my American Express card that I have failed to pay due to filing for a Chapter XXXX XXXX . 

I advised the representative that there have been previous statements made to American Express to cease communication at my place of employment. Since then, numerous automated calls have been placed. 

I told the representative that I will be giving her my Chapter XXXX XXXX Attorney name and she then stated that would cue the calls to stop. I advised her that that does not negate the fact that her organization was instructed to cease communications. 

I did advise her that I was a Director of Operations for a collection agency and at this point I was not going to get into an argument with a collector. She instructed me that she has a XXXX XXXX and informed me " that at least she pays her bills ''. 

Moving forward, being that my call and her call was recorded, I will be pursuing an FDPCA claim on this as well. I work in this industry and by NO means would I tolerate that on my floor.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-09-11
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: Onity Group Inc. (CA)

I am being XXXX XXXX and being forced to pay for a debt that was procured by fraud. See attachment at the bottom of the page : Account name : OCWEN LOAN SERVICING, LLC. 
Loan Account XXXX ... was transferred to another lender on XXXX. # 1 ) Name the lender the account was transferred to? # 2 ) Was the transfer a purchase involving a credit purchase or was the account acquired? # 3 ) What is the method of purchase for the account? is it in credit or cash? # 4 ) What is the amount of the purchase?
Consumer complaint received 2017-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

This HELOC had an ending date of XXXX XXXX. We have not been allowed to use any of our equity for years even though our ceiling was much higher and our home did not lose any value, we were just allowed to make payments. In XXXX of XXXX, we refinanced our first mortgage and HELOC together with XXXX mortgage and this loan was paid in full. Today, XXXX I received a document from them that says congrats your loan is paid in full as of XXXX and that they will review our payment, escrow, etc for 20 days and then send the lien release document to the courthouse. This is unacceptable as it is several months ( almost a year ) after we were truly paid in full which we have documentation in XXXX from them that said we were paid in full. I feel as if they have majorly violated the law by not doing this already. My phone call to their customer service # only got me an agent who could not explain why this was not done already and did not offer me an expedition choice. I had to ask for them to expedite the lien release since this had taken an egregious amount of time already. I feel there is a negligence of duty by this company and I want to know what my legal rights are since none were explained to me by OCWEN
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CO)

My data was breached on Equifax. 

Why is Equifax charging me {$10.00} to place a credit freeze on my account? They should make it free and also compensate me for the charges for credit freeze fees I have to pay to XXXX and XXXX. 

If not, Equifax stands to make > 1 billion dollars on their mistake.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NV)

Received a notice of debt collection by a company named XXXX XXXX in the amount of {$2800.00} owed to Wells Fargo Bank. I contacted Wells Fargo Bank to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (TN)

Equifax recently deleted my former employer XXXX XXXX XXXX XXXX XXXX from my credit report. IRS & The Social security Administration can confirm that I was employed by the company from XXXX. XXXX XXXX have been deleted from XXXX, XXXX XXXX deleted from XXXX, XXXX XXXX. My identity have been stolen, in order to receive my social security XXXX I need my credit report to reflect these employers. For IRS. I 've sent you my name change also. I need for my report to reflect these changes. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I mailed you all of these changes.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX MO, XXXX SW. XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXIST PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Consumer complaint received 2017-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trust Financial LLC (WY)

I received a garnishment notice while I was on Family Medical Leave for XXXX leave. on XXXX/XXXX/XXXX XXXX was garnished from my check. I am a family of XXXX and the only XXXX working, with a XXXX XXXX and just starting back to work from XXXX leave. I called XXXX XXXX XXXX and explained my situation and asked if they could take the garnishment off while I payed them a lower payment. The lady I spoke with told me that the interest is XXXX cents a day. I originally owed the hospital that sent me to collections around XXXX with interest and time it is around XXXX. She told me that the only way I could get the garnishment taken off was to pay them in full. They have since garnished XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I cant pay my other bills due to them garnishing that much money every two weeks. why cant they take smaller payments and why did the original amount I owed the hospital go up so much
Consumer complaint received 2024-08-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX :