davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
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: Experian Information Solutions Inc. (TX)

Today, XX/XX/XXXX I was denied an appointment to sell XXXX XXXX products because they were unable to obtain a report from Experian. An insurance must have carrier appointments and I need to allow companies access to my credit report. 

I was informed there was a VOLUNTARY CREDIT FREEZE from XX/XX/XXXX on my report from Experian. I followed the link to remove the freeze and filled out the required information. At the end of the form I was required to submit payment to remove the freeze which I did. My credit card was charged but the freeze was not removed. 

I attempted to call the customer service line to inquiry what further actions could be taken. It was automated and there was no option for my particular question so the system hung up on me. 

There is no information on the customer service website that allows access to a representative but I was able to XXXX search and find a contact number. The representative asked questions and put me on twice. It appeared the problem was about to be solved but then after another hold I was informed that there was a " problem ''. I asked what the problem was and was told it could be a number of things. The only remedy is to start over with a new pin number that will take 7 - 10 days to arrive by mail. At that time I can try again. I have no choice except to wait and hope for a better outcome next time. 

I have answered the questions asked and paid the required fee. This situation is preventing me from working with any new companies. How can I correct this?
Consumer complaint received 2018-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (DC)

THIS IS A COPY OF A LETTER MAILED TO THE CFPB ON XX/XX/2018. FILING COMPLAIT FOR SUN TRUST BANK. REFUSAL OF REQUESTING TO ASSUME LINE OF CREDIT FOR MY MOTHER 'S LINE OF CREDIT ACCOUNT. SUN TRUST HOLDS THE DEED TO MY MOTHERS PROPERTY. ON XX/XX/2018 I WAS APPROVE TO BE THE PERSONAL REPRESENTATIVE OF MY MOTHER 'S ESTATE. AFTER RECEIVING A DEFAULT LETTER I TALK TO THE PERSON WHO TOLD ME HE WAS IN CHARGE OF HER ACCOUNT. AT THAT TIME I TOLD HIM I WAS THE PR FOR MY MOTHER 'S ESTATE. I TOLD HIM THAT I HAD AN APPOINTMENT WITH XXXX XXXX XXXX AND THEY ARE .GOING TO HELP ME TO BRING THE ACCOUNT CURRENT. THE FOLLOWING WE TALKED AND I TOLD HIM THE DETAILS OF THE PROGRAM, AND TOLD HIM I NEED A COPY OF MY MOM PROMISSARY NOTE, HE SAID HE WOULD MAIL IT. WHILE THE PROCESS TO BRING THE ACCOUNT CURRENT HE OFFERED ME A DISCOUNT ON THE BALANCE OF THE XXXX OF XXXX. AT THAT TIME I ASKED IF I COULD ASSUME THE LOAN HE TOLD ME NO I ASK WHY HE SAID I WAS NOT IN HER WILL AND NOT ON THE LOAN. SUN TRUST WAS MAILING THE BILL/STATEMENT TO XXXX XXXX AT XXXX XXXX XXXX, XXXX, MD. XXXX FURTHER INFO.I WILL PROVIDE LATER.
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (TX)

Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their unlawful debt collection practices and theft of my personal checking account. In Chase 's response to the CFPB and provided unlawfully, to the XXXX XXXX XXXX, Chase sent response letter 's of blatant lie 's ( via XXXX, located in Chase Executive Office ). JP Morgan Chase, response letter 's are being DISPUTED ( via this filing ). Further, it is important to document, that I NEVER included the XXXX XXXX XXXX in my filed complaint ( above ). Nor, did I file the XXXX XXXX XXXX as my representative 's with Chase or the CFPB. Therefore, I am DISPUTING Chase 's unlawful practices and I am reporting Chase and XXXX 's repeated violation of my civil rights. Further, in Chase 's response letter 's of lies, XXXX documented : " We take complaints that claim discrimination very seriously and investigate them thoroughly. We do not tolerate any form of discrimination as it is strictly against our policy and contrary to our corporate culture ''. However, Chase have in fact continued to practice repeated discrimination, harassment and reprisal/retaliation against me for my previous CFPB filing 's. They violated my privacy rights by sending information to the XXXX XXXX XXXX which have absolutely NOTHING to do with my filed complaint ( above ) and doesn't represent me in my filed CFPB complaint. Chase unlawfully debted and stole monies from my account to pay another persons debt owed to them ( which I have no knowledge about ). Chase 's unlawful debt collection practices, caused the unlawful NSF 's charged to my personal account. Chase, eventually removed ALL of their unlawfully charged NSF 's wrongfully assessed to my personal account.The person, and their debt do NOT make transactions to my personal account. Therefore, Chase and XXXX knowingly and intentionally violated my civil rights and practiced unlawful DISCRIMINATION towards me and my personal account. Today, Chase and XXXX have continued to practiced unlawful DISCRIMINATION against me and my personal account by internally changing my personal PIN to my account to pervent me from accessing my account. On or about XX/XX/2018, I visited a local branch and changed my PIN to my account. Chase, internally and unlawfully changed my PIN back to the " old '' PIN number. Recently ( last week ) I was unable to access my account due to Chase 's  ongoing and practiced DISCRIMINATION/HARASSMENT/AND RETALIATION practiced against me in response to my previous complaint filing 's with the CFPB. ALL SUPPORTIVE DOCUMENTATION WILL BE SUBMITTED TO THE CFPB VIA FAX.  ALL SUPPORTIVE DOCUMENTS AND FILINGS ARE STRICTLY FOR THE CFPB USE. NOT TO BE USED OR COMPRIMISED IN ANY WAY BY CHASE OR THEIR SUBSIDIARIES. THE END!
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (MA)

Previously contacted Citibank on a range of issues stemming from their contradictory statements -- three statements for a single month -- and their very belated non-compliance with credit reporting guidelines. After multiple for letters from the bank, none of which were relevant, Citi changed tactics and inconspicuously & without explanation shifted the onus to me, the client. The bank should be heftily fined, reprimanded or otherwise disciplined. Meantime, Citi has effectively wrecked my credit rating -- and not once has discussed the dispute with the client. If I could afford the protracted time and exorbitant money involved, I would file suit. XXXX
Consumer complaint received 2019-05-06
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
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: TAG Intermediate Holding Company, LLC (CA)

I noticed negative activity on my XXXX credit report on XXXX. It was showing that I was delinquent for two months on an auto loan from " GANAS Auto '' in XXXX XXXX California. The address given for GANAS Auto was XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The phone number listed for GANAS Auto was XXXX. The Address Identification number given was XXXX. I did not recognize this account and I did not purchase a vehicle from this company. The details I saw on my credit report were that this account was opened on XXXX with an initial loan amount of {$37000.00}. The loan had a term of 67 months with a monthly payment of {$700.00}. I disputed this through XXXX on XXXX because it was not my account, and it was either reported in error or it was fraudulent. On XXXX, XXXX emailed me that my dispute was complete and that GANAS Auto had certified that the information was accurate. I called XXXX and asked what information GANAS Auto provided to prove that it was my identity used to open this account. XXXX said that they " take the lender 's word '' for it and providing proof/evidence is not required. I then spoke to someone from GANAS Auto ( XXXX XXXX ) on XXXX and she stated that, " I can not give out any information. I have gotten in trouble for giving out information before when I shouldn't have. '' I told her that her company is saying that I have a loan with them and to at least tell me if I have an account opened here or not. She finally relented and I gave her my ID. She took my ID to the back office and refused to let me follow. When she came back, she said " I don't see your name in our system. Only XXXX XXXX 's and a XXXX XXXX or something like that. '' She said, " We don't require ID for an auto loan either because not everyone has an ID. Hopefully this is just a mix up with the social security numbers or the birth date or something. '' I am very concerned that this is not being removed from my XXXX credit report when this account is not mine and this company is not providing me any information. I think this company needs to be investigated and others need to be warned of them. I think this company is aiding with identity theft.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (IL)

I did not authorize you to furnish XXXX University on my consumer report. Please present me with permissible proof that I gave experian the right to furnish anything negative on my consumer report.
Consumer complaint received 2020-02-05
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

To whom concern, I contacted XXXX XXXX via mail and asked to validate a account that they say is mine. I requested that they XXXX  XXXX send me the following proof as they are obligated to do in accordance with the debt collection practice act, section 1692g under the law they have thirty days to supply proof, XXXX  XXXX  did not instead placed a disagreement code with a resolution of dispute on credit file, that is not what the law says, I have not received validated information as i requested
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (WA)

I responded to a banner ad from US Bank to open an account with promo code XXXX. I had to do 3 XXXX send money transactions for XXXX over 3 months. I also registered my cell phone with their app. Before it was opened, I had to talk to a banker to verify information and in the process I asked her if the promo code looked good and had been accepted and she emailed me back that it did. Now, it's time for the XXXX bonus and US Bank replied that I had to live in the XXXX area and missed it anyways by a month. That's surprising because I printed out the terms and read the fine print and did not see that.
Consumer complaint received 2018-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Consumer complaint received 2018-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and XXXX XXXX is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with XXXX XXXX and all I would like for the account to be removed.
Consumer complaint received 2018-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMS Inc. (MD)

XXXX XXXX called me from XXXX XXXX XXXX on XX/XX/2018 and did not disclose that this is an attempt to collect a debt and information obtained will be used for that purpose, he only stated that calls are being monitored and recorded. I had no knowledge that I even owed the debt. I advised XXXX that I would have to contact the XXXX and he continued trying to communicate by asking me questions, I had to end up disconnected the call because he was not trying to let me off the phone.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (CA)

I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, XXXX, and Equifax have a bankruptcy on my report. 

I reached out to the company XXXX about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of XXXX law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ).  VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.
Consumer complaint received 2023-03-18
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was completed as of XX/XX/XXXX. However, on XX/XX/XXXX, a  decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then, that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. Moreover, they stated that they also sent in a XXXX XXXX and XXXX XXXX Flex Modification application for us. We did some research on XXXX XXXX and XXXX XXXX Flex Modification and these are two of the links that we researched for information about it : XXXX XXXX XXXX XXXX XXXX XXXX   Therefore, we have the understanding that we may be able to get the help we need from this modification, so that we wont go into foreclosure. 
Ocwen kept the appeal from XX/XX/XXXX until XX/XX/XXXX to send us another denial letter, which we received yesterday XX/XX/XXXX. In fact, this is the fourth time they denied us for a modification in one year. For example, XXXX applied for us and it was denied, Florida Hardest Hit applied for us and it was denied an this is XXXX and XXXX XXXX second time and it too was denied. 
As seniors, with a meager total combined income from Social Security of {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1700.00} or even more each month for mortgage payments, keep up with other bills and to survive? At this time, we are not willing to accept any of the options Ocwen is offering such as : short sale or deed-in-lieu because we want to remain in our home which took my husband ten years to build up with his own hands.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

This is my second year in this new home. The mortgage company said the escrow was wrong and raised my mortgage by {$400.00} then on top of that they placed forced place flood insurance on my home at a very high amount when I already had flood insurance. I called my agent they sent them the flood policy they gave me at {$500.00} less they never updated it or changed it. this mortgage company has raised my mortgage payment 3times making it difficult for me to afford my mortgage. I contacted my property appraisers office they sent me 2 letters saying I qualified for $ 5o, ooo homestead exception and what my taxes will be they refuse to update my escrow even with 2 letters from the county on letterhead and authorized signatures.They also have one of my mortgage payments in suspense of {$1200.00} they will not apply to anything just sitting there for 5 months every time I call them they open new tickets but nothings gets done. No one calls me emails me nothing gets applied or updated. My mortage payments keeps increasing and they keep sending me foreclosure letters. I have called several times asking to speak to a supervisor I cant get anything done.all while they hold on to an additional {$1200.00} and then charge me more late fees and property inspection fees for pre foreclosure.