davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX Is the account that I've been notifying the consumer credit reporting agencies XXXX, XXXX, Equifax, XXXX, and XXXX XXXX about due to their inadequate and invalidated tradeline delinquency details. Since 2021 and about every 3 months since I have mailed letters requested the validated documents per the Fair Credit Reporting Act definition. However, they have either not responded or responded with very little information other than that they have verified the account with the creditor but without ever providing me with the validated itemize documents supporting that this tradeline is in fact reporting correct and accurate and providing supporting documentation that I have consented to providing authorization for my personal and confidential accounts to be made available with their credit reporting agency.
Consumer complaint received 2020-03-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have had a very difficult time with SPS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. When I finally was approved I unfortunately was unable to make trial payments because I got furloughed. When I reapplied SPS said I was not longer eligible for a loan modification. When I called them and asked to fo a short sale they told me I was not allowed to apply for a short sale. Then SPS placed a foreclosure sale date on my property. I simply want to avoid a foreclosure and move on. A foreclosure will destroy my credit for 7 years, and will cause me another major hardship.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KS)

Over the years, I have availed myself of the XXXX website to obtain my free, annual credit reports. Obtaining those reports immediately online from XXXX  and XXXX  is never a problem ; however, Equifax is a different matter. 

I have never been able to obtain my Equifax report online because of significant road blocks put up by Equifax. Those road blocks are : o Their report is never available online. 
o They tell you that in order to retrieve my report, I must do so via land mail. 
o In requesting the report by mail, they ask for wholly inappropriate documentation be sent via land mail, creating information security and privacy concerns. 
o Those documents include sending one of three identity documents that include your social security card ; and one of five address verification documents that include your drivers license. 
Equifax is clearly not acting within the spirit of the free annual report concept by throwing up these road blocks. This sounds like the PERFECT project for the CFPB! Please help us consumers out. Equifax is still under the impression that our information is theirs.
Consumer complaint received 2022-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Bank is reporting erroneous and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/2022 with XXXX and XXXX XXXX and has yet to respond. XXXX is reporting false and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/XXXX, with XXXX and XXXX XXXX and has yet to respond. In accordance with the Fair Credit Reporting Act, these companies are violating my rights : 15 USC 1681 602A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account without written authorization
Consumer complaint received 2020-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

I received a Courtesy Letter from County Auditor/Treasurer indicating my Property Real estate taxes were not paid on XX/XX/XXXX. 
Subsequently, I contacted my PennyMac Mortgage Company on XX/XX/XXXX, XX/XX/XXXX and was told that the tax would be paid. Today, XX/XX/XXXX I called Auditor to verify.. no tax paid. I again tried to contact PennyMac customer service and my call drops after a significant hold period. Please Note : Each time I have called PennyMac and keyed thru automated tree I get a recording after selecting Escrow/Taxes/Insurance option that states " your escrow account has not been analyzed. '' Currently, my property taxes now include penalty fees which will increase tomorrow XX/XX/XXXXXXXX I had filed complaints with the XXXX XXXX XXXX  and the Minnesota Attorney Generals Office inaddition to requesting help from my Regional VA Home Loan office. I am considering legal action if necessary and will discuss with attorney on XX/XX/XXXX as I have a meeting scheduled on other estate affairs that day. In essence, I find it very troubling to know that a mortgage company will receive my monthly payments, but then is deliquent in servicing my loan, i.e. escrow account. In my eyes PennyMac is guilty of financial negligence or fraud, maybe both. Please Advise.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (RI)

I have contacted equifax credit reporting multiple times they have me locked out of my own account and have not fixed the problem it has been weeks now! And still I am not able to access my account and report on their online site. The last explanation I got from them was they didnt know why. They were working on fixing the problem they called a technical glitch that only applied to my account.
Consumer complaint received 2022-12-25
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: EQUIFAX, INC. (PA)

I suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

Collection will not respond to my letter nor my phone calls. They removed debt from my XXXX then later added to my XXXX and XXXX. This is a false debt which they will not validate the debt. The have 2 collections on my credit report
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/2021 I deposited a check I earned from an employer. On XX/XX/XXXX the check deposit as was available on my account. On XX/XX/2021 that check was not a valid check and my account went negative and I was made aware of this until XX/XX/XXXX I I called the bank to see what was going on and I was told there was a letter in the mail from the security team stating they completed a thorough investigation and if I had any more questions to call Monday. I was also told on XX/XX/XXXX that I could send in any information to support my case. I then immediately sent in texts, a letter and the job site indeed screenshot of where I applied for the job. This brings us to my first complaint. If there was a thorough investigation done why was I the valued customer not included in this thorough investigation? On XX/XX/XXXX myself and my childrens income tax deposited and the check amount was automatically taken out, which was ok I understand they were still holding me accountable. However no one told me my debit card and anything related to my debit card was canceled. So brings me to my second complaint on XX/XX/2021. I spoke to XXXX and XXXX who explained the security team made their decision and I would need to request a escalation case management and would be returned a call 24 to 48 hours. During the hour call with both XXXX and XXXX no one made me aware nor did they insinuate my debit card was not usable. I understand the card belongs to the bank but the money in the account belongs to me and when was I going to be told this? I wasnt. On XX/XX/2021 around XXXX XXXX I had XXXX small children with me and as I went to make a purchase my debit card declined and when I called navy federal I spoke to XXXX who told me my card was canceled due to fraud claim I made. Ok this is fine if protocol when was someone going to tell me? I no gas in my car and had to walk about 3 miles with XXXX XXXX year olds. No one wants to take responsibility for anything and where is the support for the customer? On XX/XX/XXXX, I called and spoke to XXXX and XXXX and was told by XXXX I could not be assisted because I requested a escalation supervisor the day prior. Why was XXXX not privy to this information? XXXX tried her hardest to assist me and all she could say my card was blocked. Banking practices should be consistent when dealing with customers money. Im now closing this account and Im raged at that treatment. I feel powerless and as if I dont matter. Ive banked here almost 2 years have always had my money deposited from my employers. For me if some looked over my case I should have been notified by saying hey there is a fraud claim we dont believe you are a victim. This bank allowed my money to remain in their bank with no one contacting me so I could be aware. I shouldnt have to be made aware once Im attempting to use my card. Someone needs to take responsibility and revise.
Consumer complaint received 2024-03-19
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Fraudulent accounts and Inquiries appearing on credit. 


XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$9400.00} XXXX. XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-06
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: National Credit Adjusters, LLC (TX)

Following the program steps outlined in my Identity Theft Report, I sent letters to the following debt collection agency on XX/XX/XXXX : NATIONAL CREDIT ADJUSTERS They were notified that I had been a victim of identity theft and I included in the correspondence to them : Identity Theft Report Copy of Credit Report FTC Notice to Furnishers of Information The written notice included the accounts listed on all 3 major credit reporting agencies, XXXX, XXXX  and XXXX. The accounts listed on the credit reports as " collection '' accounts are : NATIONAL CREDIT ADJUSTERS -- -- Partial Account # XXXX XXXX XXXX Loan {$260.00} NATIONAL CREDIT ADJUSTERS -- Partial Account # XXXX BALANCE CREDIT Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX Type UNKNOWN Amount {$550.00} Subsequently, the accounts were removed from my XXXX Credit report ONLY on XX/XX/XXXX but NOT removed from my XXXX or XXXX  report. Since the accounts were originally reported to all 3 credit reporting agencies but only removed from XXXX, is unacceptable and has had a severe impact on my inability to receive credit and is in direct violation of section 605B of the Fair Credit Reporting Act. The accounts were opened fraudulently as shown in the numerous documents sent to National Credit Adjusters including police reports, forged checks, police witness statements and my FTC Identity Theft Report. I would also like to mention that I had several other fraudulent accounts that received the same information and all have been removed from all 3 credit reports, only the 2 NATIONAL CREDIT ADJUSTERS remain.
Consumer complaint received 2020-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MacDowell & Associates, Ltd. (CA)

McDowell and Associates, a law firm in XXXX XXXX, CA has been contacting and harassing me for TWENTY plus years over a car loan that I never had, The loan was initiated due to identity theft when I was in college and lived in Washington State. They have continued to pursue me throughout the years, and claim they served me with a court summons in the year XX/XX/2000. In that year I did not live in California, and did not have the PO Box that they claim they served me at as I had used it years before and did not live in XXXX XXXX, anyways. Fast forward, I just received a judgement for XXXX for a debt that is not valid. They did not serve me legally, so I had no way to defend myself. Had I been served legally, I would have shown up with my police report, letter from City Attorneys office, Affadavit of Fraud from the FTC which is notartized, and it would have been taken care of. Now I have a judgement and have to deal with it. I am a XXXX person, and can not even drive to this courthouse which is far away. I intend to file a restraining order for harassment, sue them, and deal with XXXX XXXX XXXX and the court directly. Even if this was a valid debt, which it is not, the statute of limitations expired 18 years ago. I saw very bad reviews about this firms ethics and I can certainly see why.
Consumer complaint received 2020-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

My mortgage is through AmeriHome Mortgage. When my house caught on fire in XXXX and Covid hit all at the same time, they granted me forbearance. After the forbearance period, I was granted a junior lien, essentially a deferment, allowing me to tack on the mortgage payments that were in forbearance to the back of the loan. 

I was granted this, through FHA/Amerihome 2-3 months ago. They were supposed to mail me a document to sign and send back so that it can go into affect. 

I have called and spoken to their reps 5 times over the past few months, and they STILL have not sent me the documents. Meanwhile, I am getting letters from them saying I owe $ XXXX and that late fees will be incurring soon if I don't pay it. 

Once I elected to end forbearance, I began making payments on time. The last time I talked to an Amerihome rep, they told me that it looked like the document had just never been sent. He told me he sent an email to their department CCing essentially everyone asking them to send it. 

It has still not been sent. After months of calling in, and asking for this one document, they still have not sent it. I just want my life back. I just want them to adjust my mortgage back to normal as they promised. 

This has been an absolute nightmare. I just need them to send me this document as theyve stated they would countless times over the past couple months and never have
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (GA)

I have a Best Buy credit card issued by Cicibank, N.A. The problem I have is that after I opened the account they refuse to give me information or access to my account. This puts me at risk because I am not able to monitor or manage my account. I have contacted them on three occasions and they will not give me access to my account because it has not been verified. They are unable to verify my account because I have not received a letter from their consumer protection department with a code. I asked them what address they are sending it to and they will not tell me. I get the statements in the mail but they are not sending the verification letter to the same address. I asked why they used a different address than what I gave them when I opened the account and they said they used the address that was public record. This also puts me at even more risk because they are sending a letter to verify the account to someone else and they are the ones that decided to do so on their own. They also are using my wifes cell number as the main account contact which further confuses the issue. The funny thing is, I never gave them that number. The only thing I can think of is that they are using old information from when we used to have an account 4-5 years ago with them. 

I mailed a check to pay the amount in full last month so I could be rid of their nonsensical shenanigans but they will not close the account for me without verification. Credit score be damned, I am closing this account no matter what.
Consumer complaint received 2020-03-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (IN)

Received private loan in XXXX. Graduated XXXX. Paid payments on loan and was in good standing. Filed bankruptcy XX/XX/XXXX. Last payment made was XX/XX/XXXX. Bankruptcy ended XX/XX/XXXX. When buying my home default loan showed on my credit report. Contacted agency who stated I had not made my payments and was unwilling to negotiate for reasonable settlement. Explained that I had filed bankruptcy and during that time I am not required to pay on student loans. Still unwilling to remove from default. Agency filed suit XX/XX/XXXX. Summons was sent to old address even though I had notified them of my new address when I contacted them earlier in the year. Finally received a summons that I did respond to timely stating that statute of limitations had expired of 6 years and asked case be dismissed due to this. Agency responded that my last payment was made in XX/XX/XXXX which you can clear see is untrue in their " exhibits '' and that it was XX/XX/XXXX. They filed suit XX/XX/XXXX which exceeds the limit. All further documentation from related to the case was again sent to my old address to include the order to garnish my wages even though my correct address was on all legal documents filed. I was not aware of garnishment or order to appear until today when my check was significantly lower. When reviewing documents on IN court filings I found all the documentation regarding this information. I was not given a chance to appear nor was I properly notified of garnishment and this case should have never been filed due to IN statute of limitations.
Consumer complaint received 2020-03-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Adjustments Inc (OH)

On XX/XX/XXXX, I was contacted by Credit Adjustment , Inc about a medical debt. I stated that I had not received any written communication detailing the debt I supposedly owed. She told me a letter was sent. I let them know I would like to review the letter, look into the validity of the debt, and would contact them next week. I asked them to please stop repeatedly calling my phone in the meantime. I was told that this is their process and they can note the account but would keep calling me. I informed them that I had rights to not be harassed and to receive my communications via mail. She told me they would not oblige. I asked for her name and she refused to give it to me and wanted me to speak to her supervisor. I informed her that there was no reason to talk to a supervisor, that I wanted to know her name, and that I would be filing a report. She refused and stated she would note my account, but would still continue to call.
Consumer complaint received 2023-05-02
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}