davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

Due to the change in property tax law put into place for XXXX, thousands of homeowners paid their taxes in XXXX. I contacted Ditech initially to see if they could release the funds but they were unable to do it prior to the end of XXXX. They instructed me to pay out of my own funds and send them the verification the taxes were paid, and they would refund me the appropriate amount. I dutifully paid the taxes due and sent Ditech the verification. Weeks passed and I received refunds from my 3 other mortgage servicesr, but nothing from Ditech so I reached out again by phone and email. They promised to get back to me and never did. To date, I still have a message in their apparently worthless message center fromXX/XX/XXXX that remains unanswered. I called again and was told they would do an escrow analysis -- still no call or email. I just went on line and the brilliant conclusion by the band of roving XXXX is that my payment will not be increasing! No Kidding?! Meanwhile they still are sitting on my over-funded escrow account doing nothing. 

I just called again and after 15 minutes on hold, the call was answered and I was forwarded to an automatic survey which then hung up on me! 

It seems curious that this company with nothing but complaints continues to exist. Completely XXXX   customer service and frankly illegal activities to hold my funds in excess as they have been for the past 3 months!
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}.
Consumer complaint received 2024-03-29
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. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (PA)

My account has been locked on Apple Card for a week and no one is helping. I opened a few dispute recently one being XXXX I think that might have done it as I told them it says delivered but ups or someone stole the package as they signed for me
Consumer complaint received 2018-03-13
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: TD BANK US HOLDING COMPANY (TX)

I have on file as lived at XXXX XXXX  Nd XXXX XXXX  XXXX  I have never lived those places my ex wife has also Credit inquiries at XXXX XXXX and XXXX company checked my credit with out my consent Also XXXX XXXX  account belongs to my exwife I dont know if she put my name in these accounts we have been divorced since XXXX I have only lived at XXXXand XXXX XXXX XXXX only XXXX XXXX Texas
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

XXXX XXXX XXXX is reporting a medical collection account that I have disputed with the original provider and told XXXX that I was in dispute. I had insurance, the provider received authorization from the insurance company and the provider never billed the insurance. When XXXX contacted me I told them I was in dispute with the original provider and they still reported it to the agencies but did not send me anything to verify the debt even though I asked for it. They continue to ignore my requests to verify the debt yet they also report this unverified debt. This needs to go back to the provider so I can take care of this. This is in direct violation of the Fair Debt Collection Practices Act ( Federal and California ).
Consumer complaint received 2023-05-23
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (TX)

This alleged debt first originated from  XXXX   XXXX   XXXX  that showed up on my credit in mid  XXXX . I disputed it with them because they said its from  XXXX  with no resolution. Then I got notified they sold the debt to Phoenix Financial Services LLC and they are saying I owe them.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2022, there was an unauthorized withdrawal of {XXXX} charged as a loan against my personal line of credit with Suntrust ( now Truist ). The next day, there was another unauthorized withdrawal with the exact same amount. The total reached to XXXX. 

As soon as I found out about these charges, I called Truist and reported the matter. I was told that it would be investigated and I would be informed of the results in a week. That was a promise never fulfilled. 

Six months passed and during that time I made numerous phone calls to so many different departments of Truist but all were in vain. The only thing I was told was that those unauthorized withdrawals were the result of an internal fraud of Truist Bank and the matter was under investigation. 

After I had exhausted all the sources I could reach by phone, in XXXX, I went to a branch and talked to the branch manager. I was asked to fill out a form to report the matter in writing as if it was never reported before, and I did so. Nothing happened afterward. 

I made more visits to the branch and talked to different clerks. Every time, I received the same response : " We'll follow up the matter and will get back to you in a week or so. '' After eleven months and so many frustrating phone calls and visits, my account still shows a balance of $ XXXX} which includes those two withdrawals and the accrued interest. Last week, I received a notice from Truist that my " loan '' is delinquent and it would be transferred to a collection agency and the delinquency would be reported to the credit bureau! 

I tried to close all my accounts with Trusit, but the branch manager is saying that it can not be done as long as my line of credit is showing an unpaid balance. 

The whole issue is very absurd and unexpected. The carelessness and irresponsibility of a reputable financial institution toward a fraud case is unimaginable. Please, help me to end this absurdity and close my banking relationship with Truist forever. 

Part of the email exchanges between the branch manager and I about the subject are attached. The information of the phone calls ( date & number ) are also available and can be submitted upon request. 

Regards, XXXX XXXX
Consumer complaint received 2023-08-10
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: M&T BANK CORPORATION (FL)

See attached document. 
Apparently, the 5 times prior and even recent XXXX XXXX wasnt provided with enough information to process the dispute and blocking of illegal information based on the identity theft which they have committed. I have provided my recent official rebuttal as well as proof to the purposeful incompetence of me sending the letter to XXXX XXXX as well as their XXXX XXXX XXXX. XXXX XXXX is illegally reporting nonpublic personal information without consent as well as not following the FCRA and XXXX XXXX XXXX, and with committing of these atrocities to defame my name and character, financial abilities and mode of living. I comprehend that XXXX XXXX is the stated as the owner of XXXX XXXX as stated by XXXX XXXX as well.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2023-02-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I tried to buy a home for the first time and was misled by a realtor, builder/seller, and a XXXX XXXX from Bank of America XXXX The bank 's attorney XXXX XXXX and his law firm XXXX for XXXX has unethically lied to me with misstatements of facts by falsely promising a compromise after I paid off this 30-year XXXX XXXX XXXX Mortgage in 3 years hoping to get my personal credit report repaired and my life back on track. 

This whole deal should have reversed by the bank long ago after I reported to the bank that the home was uninhabitable until the one-year warranty was provided and attended to but was not by the builder/seller, the realtor, or the bank. 

This is breach of contract, nonperformance by all parties involved except XXXX XXXX XXXX who fulfilled his duty, and went beyond the call of duty to help this bank, but the bank has not reciprocated any such assistance and now it is time for the CPFB to step in because I was just denied a new mortgage loan from XXXX XXXX because Bank of America refuses to help clear my credit report, which has been exacerbated by the bank 's attorney XXXX from XXXX XXXX firm in XXXX. 

There is some illegal activity in this matter that has nothing to do with me but is preventing me from enjoying my life, liberties, and protection of my property interests so I may pursue happiness with any more stresses that are not mine to endure, but the banks, the realtor 's, and the builder/seller to deal with.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

Despite my efforts to rectify the situation, fraudulent account persist on my credit report so Im disputing the fraudulent information. This fraudulent information have a significant impact on my financial status and reputation. The investigation seems to have failed, as disputed account is clearly fraudulent. I urge you to promptly delete the account from my credit report, as other credit bureaus have already taken action to remove it after discovering errors. Additionally, the bank have already agreed to delete this. Not sure why theyre still being reported. Ive talked to the bank, they have my FTC Identity Theft report on file and informed me this account would be removed in XXXX days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc. (NC)

Yes I have been inactive in my account and unable to withdraw my account with errors on my credit report XXXX XXXX XXXX and and tax collection cases updated and profiled our support team reported the IRS and funded my account to my beneficiary and allocated payments to the bank and put my account on hold I asked them to review it at the IRS and was a scam said we ID theft the bank and used it to compromise my account and left me to uphold the account in forgery in my claims I asked to regain access to my account and she said needed a officer to verify the theft and bring in the forms with my reason for obtaining the documents. I can not activate my bank account and looks like I made a payment to the bank in transaction on hold that were confiscated in a tax lien which has been sent to the IRS XXXX form tax collection without due process of collection form also asked to come in the XXXX to tax office and collect the documents on file with my XXXX x tax papers form for XXXX and XXXX. I have not been paid and have been waiting for the bank to complete operations on my check and finance my payments.
Consumer complaint received 2017-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

On   XXXX     I deposited my husbands check in the mail box of  Rabo Bank  in  XXXX  Ca at     XXXX   XXXX  . I then went to work. I checked my balance through bank texting and the amount   of husbands check had been deposited in to our checking. On   XXXX     I checked our account and check deposit was nowhere to be found. On  X/X/2017    at  XXXX  I went to bank to find out what happened to my deposit because I had numerous bank charges for insufficient funds. They said it was a electronic error and that I would not be responsible for any of the insufficient funds. Which is good but I 'm thinking that fraud was being committed on my acct by the bank to see if I would still pay for the insufficient charges.  Rabo Bank  is notorious for charging extra fees.
Consumer complaint received 2023-02-01
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. (GA)

In accordance with FCRA ( fair credit reporting act ) XXXX Account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

On XX/XX/XXXX we refinanced our home mortgage. The servicer on the previous loan has not returned our escrow refund. We have called several times and each time, they tell us a different amount that we are due, and they give us a different date as to when we can expect the refund check to arrive. We now believe that they may be lying to us because after several phone calls made to XXXX XXXX XXXX, finally on XX/XX/XXXX we were able to speak with a supervisor, XXXX XXXX. XXXX XXXX stated that a check was finally mailed to us on XX/XX/XXXX.  However, as XX/XX/XXXX, this check had not been received. On XX/XX/XXXX, I emailed XXXX XXXX and asked her to provide me with the check date, check number and a copy of the refund check that she claimed to have mailed, so that I could be reassured that the check was in fact mailed. I also attached an XXXX document with an analysis of the escrow history ( which matched the analysis shown on their website as of XX/XX/XXXX within 1 day per diem ) and asked her to confirm that this would be the amount of our refund since our analysis was several hundred dollars higher than what XXXX XXXX told my husband it would be when they talked on the phone on XX/XX/XXXX. I requested that XXXX XXXX respond to my email inquiry by XXXX XXXX on Monday 3XX/XX/XXXX. I did receive an email response late on 3XX/XX/XXXX. However, XXXX XXXX did not include the check information that I requested and stated in the email that our refund had been cancelled and that a new one would be issued. Quite frankly, I do not believe that XXXX XXXX is telling the truth and highly doubt there was ever a check issued at all. She said that we would receive an analysis of the escrow before disbursement but never bothered to say when this would happen. Our closing was on XX/XX/XXXX and Home Point Financial received their funds on XX/XX/XXXX. That is well over 5 weeks ago. What is most unsettling is that they are very hard to reach by phone, and when we do finally get to speak with an actual person, they give us false information.
Consumer complaint received 2023-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (AZ)

Credence Resource Management XXXX XXXX XXXX XXXX has reported to XXXX, XXXX and XXXX for what shows as my identity being stolen to open an account account I did not Authorized. 

Account : XXXX
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (OR)

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. Equifax and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (FL)

This is the XXXX time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX