davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Cobalt Mortgage (CA)

XXXX home loans has put an auction date of Monday, XXXX XXXX on my XXXX-year-old mother 's home that she has owned for 10 years at an 8 % interest rate. They have received numerous modification applications from us. A full modification application was sent in to them once again six times this month alone and again today. All complete loan modifications that were sent in ( XXXX pages ) were sent certified overnight mail with a tracking number by fax and also by email. A phone call to XXXX home loans was made directly before and after the packages were sent each and every time. It is illegal for the auction date to be in place still. We have tried buying it from her, modifications, etc. for a year now. We are now looking for a lawyer to help stop the sale file a restraining order. We have been treated very badly and unprofessionally by XXXX home loans. We had horrible communication with them there 's no reason for us to be denied a loan modification. We were told by a lawyer, XXXX loan officers, the HUD hope hotline, and even by employees at XXXX that we were sure to qualify after seeing all of the paperwork. One day a XXXX employee stated " 8 % is ridiculous. We will defiantly be able to help you '' We had an extreme increase in income over the last month and send in the paperwork again as instructed by a XXXX employee and the sale date still remains. The XXXX called us yesterday to speak to us about our story. Our mother is not well we need her near us so that we can care for her. Her mortgage was paid for almost 10 years religiously before our families recent hardships. My XXXX-year-old elderly mother deserves a fair interest rate for today 's market. 8 % is not that. We live with a XXXX XXXX war VET who even tried to buy the home so that she would not lose it. They said that this was fraud. Every time we call XXXX home loans we speak to a different person. There is no consistent point of interest person. In addition we also just found out that not only has my mother been paying her home owners insurance up-to-date and on time for the last 10 years but XXXX has also been charging her for that as well. Double charging and she now is to receive a " refund '' for that " mistake '' on their part. The XXXX contacted us yesterday to hear our story apparently she is not the only one being victimized and the New York XXXX is examining this private equity firm. My XXXX-year-old mother deserves a fair mortgage and a fair interest-rate in in her home and in the neighborhood that she has lived in for almost 20+ years now. She should not feel scared and bullied and be left homeless suddenly. Her last check that she sent to XXXX by her own choice to pay her mortgage as she could afford in good faith while going through the loan modification process was returned to her, uncashed so that XXXX could put an auction date on it. Who takes a XXXX year old Grandmothers house on XXXX who is asking for help and still willing to pay? XXXX Home loans. That 's who.
Consumer complaint received 2021-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (CA)

XXXX is the alleged debt amount XX/XX/2019 Westlake Financial Services And XXXX XXXX listed there corporations as Creditors of I the Consumers Loan and listed me as the borrower of the Loan and credit i Created According to 15 U.S. Code 1692a - 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 
According to15 U.S. Code 1692e. False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms
Consumer complaint received 2021-06-20
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. (AL)

Yes my name is XXXX XXXX I submitted an FTC report to Equifax about the fraudulent accounts name XXXX XXXX. They investigated the accounts and it was removed XX/XX/2021 and name the account reappear back on my credit report XX/XX/2021 I am a victim of identity theft and I want to report Equifax for allowing this account to reappear after I provided them proof with a FTC report that the account Security finance is not mines and that its fraudulent something need to be done or I am gone get me a lawyer
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor ) and XXXX XXXX XXXX ( Collection agency ) XXXX XXXX XXXXXXXX ( Collection agency ) Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Accounts XXXX XXXX XXXX # XXXX- DELETE XXXX XXXX XXXX XXXXXXXX DELETE
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Someone took money from my Citibank account of My corporation and used it to pay XXXX XXXX i have no idea who these individuals are. 


I informed citibank of the fraud they said they will provide an affidavit of fraud so i can take to the precinct they did not its been 60 days. Citibank says they will give the money bank if it is fraud. Citibank says they sent XXXX a request and that amex did not respond. 
XXXX responded to me when I called and provided a Fax number XXXX to send the Fraud claims to .Citibank has not done so or XXXX would have taken care of it. 
Citibanks was left numerous messages to there advestised phone number and they never returend 1 phone call It is a black hole for customer service this is why i was never notified of the fraud when it happened. 

They need to return the fraudulent charged amount of {$44000.00} I need to contact them through the XXXX XXXX XXXX to get a generic response. 
not being able to reach XXXX is a joke
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (IL)

I had a previous balance with Barclays for {$15000.00} that I fell behind on due to working with a fraudulent credit restoration company. I contacted Barclays back in XXXX and XXXX of XXXX in order to reconcile the account and get a settlement amount. On XX/XX/XXXX, I received a letter thanking me " for the time you have taken to provide them us valuable feedback, '' after we had discussed a settlement amount. Verbally I was told that I would receive a letter that reiterated what was discussed over the phone in XXXX. Per their verbal instructions, the settlement agreement was for {$6000.00}. I was told I needed a money order in that amount and that I had to include the last four digits of the account number and the last four digits of my social security number. I was also given the address that I needed to mail the money order to. I was told that the payment was due by XX/XX/XXXX. I was then told that once I sent the payment, I would have a waiting period to validate funds, and then my account balance would be considered " settled-for an amount less than the full balance'- and an update was to be sent to the credit reporting agencies. On XX/XX/XXXX, I went to the bank and got a money order/cashier 's cheque ( because it was a large amount ), then went to the post office to mail off my payment. I sent the payment via USPS Certified mail and requested a signature and return receipt. According to the return receipt, the letter was signed for and I received it in the mail on XX/XX/XXXX. According to Barclays and my credit report, the payment was put in on XX/XX/XXXX, which is showing as the last payment on the account. Since making that payment, I have checked my credit report monthly, and as of today, XX/XX/XXXX, Barclays has failed to update my account balance to " {$0.00} '' and has failed to update the account status to " settled. '' The account shows closed, but still show a balance of {$9100.00}. I called Barclays on XX/XX/XXXX and inquired as to why my account had not yet been updated. I was told that the account is showing correctly and shows that I still have a balance, but they did record the payment that was sent. I was also told by the agent on the line that the letters are basically just sent out as information and that it's a generic letter. However, I was told in my verbal agreement to settle that my status and reports would be updated accordingly. They still have not made any moves to correct/update the correct status of the account with any credit bureaus, and this continues to affect my credit, as the account is not showing up properly. Since they have not upheld their end of the agreement, I would like to have this account updated and deleted from my credit reports with all major credit bureaus.
Consumer complaint received 2017-11-25
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: Experian Information Solutions Inc. (CA)

I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.
Consumer complaint received 2017-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (TX)

I am a victim of identity theft and noticed a collection from pinnacle LLC. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pinnacle LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I borrowed about  15k i n   XX/XX/XXXX   to attend  XXXX   XXXX   XXXX   XXXX . At the time the loan was borrowed, the leander was  XXXX . Before  Navient  took over i had abou t 9k le ft on my loan. I just dont see how my loan as of   XX/XX/XXXX   is closer to  10K no w. Seems like my loan just keep getting bigger.
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TN)

Debt been on my report since XX/XX/2019. To my knowledge I haven't received any thing in the mail about this debt from this collection company. To my knowledge this debt can not be collected in the state of TN. Due to the research I have provided.
Consumer complaint received 2021-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I posted a graded sport card lot on XXXX on Wednesday, XX/XX/2021, and XXXX happened to messaged me about the cards. He said that if the cards were still available and I said yes. After that, he wanted me to text him through his phone number so he can negotiate a deal for me. First, XXXX was asking me what's my final asking price for the trading cards, and I said {$500.00}. Keep in mind that the trading cards that I sold to him were worth {$200.00} total. So, XXXX " agreed '' to do {$500.00}. However, I received this email from XXXX and they showed me the confirmation of XXXX sending me {$500.00} plus {$50.00} for the shipping so I can send the trading cards to him. I assumed that the email was from PayPal because it had a PayPal logo and they formatted the receipt on the email just like PayPal. The next day, I went to a XXXX store to ship out the trading cards and XXXX wanted me to ship it out Next Day Air. The shipping cost me {$58.00} and I gave XXXX the tracking number of the package because he wanted me to give him that as well. The next day, the email, XXXX, told me that if the funds of {$550.00} were to be transferred to my PayPal account, I have to sent pictures of me buying {$500.00} worth of XXXX cards. I did that and then I received another email from them saying that " apparently, the buyer sent another {$500.00} by mistake, so in order to get my funds, I have to sent pictures of me buying another {$500.00} worth of XXXX cards. And now, the package is already sent to him, so I can't get back the trading cards and my money back on the shipping. I also lost another {$500.00} because I bought XXXX gift cards with them, and I can not return them to the store that I bought it from because all sales are final. I also can't use the XXXX gift cards myself because I tried to test it out buying an item on XXXX in case XXXX may have used all of the money on those gift cards, and it turns out there is no money left on the cards. I am really mad and frustrated about this situation, so if you guys can help me out, that would be great. In total, I lost {$750.00} from XXXX.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit report I came across unauthorized inquiries on my TransUnion credit report. I contacted XXXX XXXX  and they said there is no record on their end. I also contacted XXXX XXXX and they said to send a letter stating that the inquiry was fraudulent, I did that as well but no action has been made. They still seem to show up on my credit report. 

1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (NC)

I recently reviewed my XXXX and XXXX credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Consumer complaint received 2021-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

My ID and debit card were stolen. After being stolen, the thief deposited a fraud check into my bank account, after depositing the fraud check, the person then had access to view my balance. They then went to multiple retail stores making large purchases back to back. I disputed this with my bank ( State Employees Credit Union ) who denied my dispute stating that this wasnt a viable fraud claim. State employees did not do a thorough investigation if they had then they would know this is fraud. They failed to verify my identity when the thief went to the bank with my ID and was allowed to access my account.
Consumer complaint received 2021-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

hi my name XXXX XXXXXXXX XXXX live in XXXX XXXX XXXX XXXX XXXX XXXX ga, today i am wrinting to cfbp on this credit refort. i am try to talk to XXXX about 2 month now i still not getting anywhere. in this is all company that pot in my credit report all hard inquiries that i only one to check to see am i qaolify or not .what i understand that if sofrt inquiries.that they are not in hard .but soft here some of the company 2 XXXX XXXX XXXX on my XXXX  XXXX  XXXX XXXX XXXX tx XXXX they have 2 in there in one month i wan them of 2 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  de XXXX same thing i tall them to take of but they not do it XXXX XXXX  XXXX XXXX XXXX  de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXca XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX az XXXX all this company i talk too they tell me nothing they can do only credit bereu can take is of they cant sol today i talk to XXXX  agian XX/XX/2021 the bereau toll me they cant do anything
Consumer complaint received 2017-03-07
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: CreditGUARD of America, Inc. (TN)

I contracted with Credit Guard to help me to pay off a dental bill along with some credit card bills. Credit Guard had stated the they would pay off the bill in full along with some other credit cards. I would pay {$93.00} a month for 36 months. I was at my dentist office today and they were not paid in full as they should have.
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I contested an incorrect late payment, with 2 of the credit bureaus ( XXXX  and Equifax ), along with the creditor ( XXXX XXXX XXXX ). Not one of these individuals, had the decency to even reply to me and let me know what was going on. I am not really sure if an investigation was launched, as I was never contacted by any of the 3 parties, however I hold XXXX  and Equifax accountable for ignoring me and reporting incorrect and bogus information, that affect my credit score. I am enclosing one of the letters I sent to XXXX, back in XXXX of 2020 .... I also sent an exact letter to Equifax and XXXX XXXX XXXX.
Consumer complaint received 2021-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION ()

I live in XXXX. Due to the fact that I had a XXXX on the one hand, and the XXXX  situation on the other hand, it appears very unlikely that I shall be visiting the US in the near future. I therefore requested my bank in America ( Suntrust, now Truist ) to close my account and transfer the balance to my bank account in XXXX. The current balance ( as of today ) is US {$8.00}. 

I wrote to the bank on - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( letter ) I received a letter ( dated XXXX XX/XX/2021 ) from Suntrust on XXXX XX/XX/2021, stating that " We are unable to transfer funds to another financial institution ''. [ The comment of my banker in XXXX was " What nonsense, a transfer of funds is alwas to a financial institution! " ]. 

My account has still not been closed, the funds have still not been transferred and I have not heard anything more from Suntrust/Truist. 

A copy of the correspondence is attached. I have really tried my best. Any help from you would be much appreciated. 

Yours sincerely
Consumer complaint received 2024-03-22
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, some items still need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX