davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Hillcrest Davidson & Associates (TX)

XX/XX/19 : Requested verification of account XX/XX/19 : Received statements and copy of Terms of Service with my printed name on the signature line and my social security number included as company tax id number XX/XX/19 or thereabouts : I was contacted by the collection agency who threatened to arrest me within 15 minutes if I did not pay. On another occasion the representative told me that they had my wife 's phone number and would call her every half hour if I did not pay The company did call my wife and after she said she did not speak English they hung up and did not call back. 
XX/XX/19 : Contacted collection agency and representative was made a few statements and was rude, then hung up the phone before I was able to ask any additional questions. 

The account is not my account. I never owned this business or any other business. The other person on the contract stated that he opened the account under the business tax number and later sold the business. He does not know how the company obtained my social security number
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Dear Cfpb / Credit Bureaus/XXXX, Equifax, and XXXX  ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least 6-7th different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them.

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Cfpb / Credit Bureaus/XXXX, XXXX, and Transunion ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least XXXX different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them. 

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the presence of unauthorized accounts on my credit report, which I believe to be fraudulent. Upon reviewing my credit report, I discovered accounts that were not authorized by me and do not belong to me. I am certain that these accounts are fraudulent and request that they be removed from my credit report immediately.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I have had this credit card for several years. The last few months I have been hit with late fees, and unjustly. I have tried to make my payments online, like I usually do, and the website would not let me log in. All of a sudden it is asking me to verify myself, then tells me to request a code by text, and when I do, it never comes, after waiting a while I try again, and still the same scenario. I also tried to make a payment on the phone, but it asks me for the full account number, which I don't have. Then it told me that I couldn't make the payment because a current payment was pending. I then tried to ask for a code via email, and when I entered that, it kicks me out of the system and makes me ask for a new code. This cycle is never ending and I can never make this payment on time. I called last month, and she said she would let the correct department know, and that she would set up an automatic payment for me so I wouldn't have to go through this again, and she said she would remove that fee. Well this month, it happened again, I could not log in, doing the same old vicious cycle, and I asked for help again.This time the excuse was that my email was not " verified '' which is why I could not log in. I told her I have had the same email address for years, I never had a problem before these last few months, and how come I get other emails from them if it wasn't " verified ''. They are just making excuses and resorting to dishonest business practices so they can gouge me out of these excessive and unjust late fees.I have always paid my account on time, all the years I have had this card, as well as all my other cards. As soon as I did a balance transfer after not using this card for a long period of time, it seems like they are being vindictive and punishing me, and making up false reasons why I am being charged these late fees. Furthermore, I was able to make the payment the same day that it was due, but their website forces me to choose a later date, and when I try to make a payment on the phone, it says the the current date.So frustrating and unethical!!!!!
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My loan was serviced by XXXX and sold to Fifth Third bank effective XX/XX/21. 

Fifth Third has sent me mountains of paperwork with conflicting guidance and information, I attempted the process of trying to setup online to clarify and see the loan on their website. Their system said I had to call their customer service number which I did. 

I call from work so they told me I needed to call again from my home phone to verify my identity. The problem is that would require me to miss work since their hours are listed as Monday to Friday. 

No other institution I work with makes it this hard to setup a new online access, they refuse to help me and they bought the loan which means I have no options or choice aside from trying to refinance at cost to me to get away from this awful bank. 

I can not think of a more anti-consumer approach to a new client than this whole experience.
Consumer complaint received 2019-04-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, N.A. (MI)

I opened up a money linked cd with flagstar bank in XX/XX/XXXX on behalf of my brother. My brother died on XX/XX/XXXX and I filed a death put claim with flagstar. Flagstar submitted the claim to XXXX which is the broker. They in turn sent it to XXXX who has to buy back the stock. As of today the claim is still pending with XXXX. Usually death put claims take 30-60 days and it has been longer than that with no idea when XXXX will pay off the claim. The claim was put in with Flagstar on XX/XX/XXXX. I cant get any information from XXXX because I dont have an account number associated with XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I recently sent for a copy of my credit report and found an erroneous charge on my credit report. It claims that I owe XXXX XXXX  ; amount - {$390.00} ; of XXXX unpaid ; Date of XXXX Delinquency XX/XX/2022 ; Individual account # - XXXX ; Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. 

The collection company 's name is XXXX XXXX XXXX XXXX I called the XXXX number and they gave me this number XXXX, and they hung up on me. 

I also called XXXX and they verified that this account does not belong to me but because they couldn't figure out who it belonged to, they wouldn't file a fraud alert, so I have to go into their website and file a fraud alert myself.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NV)

Better.com provided me with a Loan Estimate for a property house with price {$510000.00} in XX/XX/2021. The Loan Estimate included a 2.75 % fixed rate ( 30 year term ) and {$4900.00} in lender credits. Now that the property is supposed to close on XX/XX/2021 they have updated the lender credits on the Loan Estimate to {$3700.00}, a difference of {$1200.00}. They expect me to come up with the extra money before closing. I tried to resolve the issue with one of their Home Advisor 's ( XXXX XXXX, License # XXXX / NMLS # XXXX ). Her exact response in writing : " Unfortunately, pricing on all loans are subject to change if there are changes to the loan parameters after the rate is locked-in. '' Better.com is in violation of the TRID Rule 's good faith disclosure standard under 12 CFR 1026.19 ( e ) ( 3 ) ( i.e., a tolerance violation ).
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX  XXXX andXXXX XXXX XXXX
Consumer complaint received 2019-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Ocwen Loan servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX ) provided an inaccurate payoff quote that resulted in an over payment of my mortgage of {$5200.00} on XX/XX/2019. This over payment was placed in a suspense account by Ocwen. Ocwen consolidated all mortgage accounts with PHH Mortgage Services as of XX/XX/19. Since my mortgage has been paid off in full and I have never had an escrow account with Ocwen ( I paid paid all taxes and insurance fees directly ), I should be refunded the amount that Ocwen received as an over payment. I have contacted PHH Mortgage Services by email, phone and letter describing this issue. I have received no response that addresses the return of my money, Return emails only say, " You will receive a response email from one of our Customer Service Representatives within 5-7 business days. My first email to them was on XX/XX/19 and I have yet to receive a " response email. '' Customer Service Representatives ( after I have been on hold for as long as 30 minutes ) claimed to have referred my issue to the, " Escalation Department. ''
Consumer complaint received 2018-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Enterprise Systems, Inc. (CA)

My employer received a wage garnishment for 15 % of my disposable income, which i was told calculated to be {$880.00} per month. I can't afford this.I didn't receive notification so that i could contest it. I have been lead to believe all of my student loans were in deferment or forbearance. 
Once i was notified by my employer, i called the debtor to work out a REASONABLE repayment and they worked out a $ XXXX/month arrangement and i increased it to $ XXXX/month for 12 months and then increase. SO now they get the garnishment and the monthly payments. I can't afford this, it will LITERALLY break me. 
I requested documentation to verify everything ( the loan ( itemized ), the school attended associated with this loan, the terms of the loan and any notification. They said they will get what they can, but they would continue to garnish my wages. I haven't received anything. 

If i lose my home and transportation, i will lose my job. I can't afford to lose $ XXXX/month. 

Note : They stated they had no way of contacting me, but i have had the same cell phone number since XX/XX/XXXX and the same email address since XX/XX/XXXX.
Consumer complaint received 2019-06-26
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. (WI)

I sent a letter to Experian credit bureau XX/XX/2019, asking them to remove a bankruptcy from my credit report because it's against the law to report this information they obtained from a third party known as XXXX XXXX they said they verified the information and refused to remove it. I'd like them to remove the bankruptcy from my credit report.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CA)

RE : Sun Trust Mortgage Loan # XXXX Loss Draft Dept. XXXX ATTN : XXXX XXXX. Box XXXX XXXX, VA XXXX My house burned down in XXXX XXXX in California XX/XX/XXXX. At the time we had a mortgage principal with Sun Trust Mortgage Co. of {$200000.00}. They withheld this amount, which I understand and have no problem with. 

According to the mortgage companies own written policies they return {$40000.00} or 20 % of principal balance when reconstruction begins, 50 % of remaining balance when half way through construction and the last 50 % when construction is complete. So far no problem. 

We started reconstruction in XX/XX/XXXX at which time I requested that they release the first {$40000.00} in compliance with their own policies. It is now mid XXXX and I have called them 12 times to follow up on when they would be releasing the funds. Every time I call I am told they need more documents which were never mentioned previously, I dutifully send to them. 

They frequently say they do have all the documents and I will receive a check within 3 to 5 business days. Nothing happens, I call back and now they need more documents that were never previously mentioned. 

They never contact me to tell me they still need more items that they never mentioned previously. I wait a couple of weeks to give them time to send the money then I call back and am told again that they need something else. Every time I call it results is about an hour or more of my time when they put me on hold, consult with other people, get cut off and have to try to contact person I was talking to again. Not possible. Of course, they never call me back even though they repeatedly confirm my phone number. I have spent hours on this effort. 

On XX/XX/XXXX my attorney sent them a letter to no avail. 

This company is inept and poorly managed. The people on the phone are always very polite and seem to be trying to help but never successful. I can only conclude that management doesn't care enough to staff and train personnel or they are deliberately trying to stonewall refunding my money. 

The thing I fear most is when we need to make the final payment to the XXXX and we get this run around trying to have the final funds released. The XXXX shouldn't have to wait for his money but we will have used up all the money we had and be down to the last {$80000.00} which is at Sun Trust.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Today is XX/XX/2023 and about two weeks ago I contacted Chase bank ( I bank with them ). The branch is located at XXXX XXXX XXXX, XXXX, IL XXXX. I used to have a safe deposit box and I received a letter earlier in the year stating they will start charging me an annual fee of {$50.00}. I decided to return the keys for the box and cancel the service. I don't recall the date but it was shortly after I received the letter ( maybe XXXX or XXXX timeframe ). 

As I was reconciling my checking account about two weeks ago, I noticed the {$50.00} safe deposit box fee was taken out of my checking account on XX/XX/2023. I called Chase and spoke to the branch manager ( XXXX ). I explained to him that I returned the keys to the safe deposit box and closed it. I didn't receive any paperwork for this unfortunately and it didn't occur to me to ask. XXXX told me he needed to research and that he'll get back to me. I never heard back after about two weeks so I went to the branch to talk to him. I told him to review the cameras and he will see that I personally handed him the keys to which he told me that it wasn't him that I gave the keys to. He also told me that they don't have cameras ( sure ok ). 

Anyway, I gave back the keys to the box and closed this out several months ago. I want the {$50.00} credited back to my checking account. I'm sure this is happening to other customers!
Consumer complaint received 2017-05-28
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. (CA)

I have disputed  XXXX   XXXX  a number of times with   XXXX   Transunion  XXXX . None of them have done a full investigation. I have requested a FULL F ULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all   XXXX   CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to c ause me harm.
Consumer complaint received 2023-09-04
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. (FL)

In 2020 I deferred payments on my XXXX  XXXX XXXX mortgage per the federal CARES Act. At the end of the deferment, the loan was modified to place the missed payments at the end of my mortgage as a ballon payment. All terms of the modification were completed over 2 years ago. Experian is reporting that my XXXX XXXXXXXX XXXX mortgage is currently in a loan modification program. I disputed this with both Experian and XXXX XXXX XXXXXXXX XXXX XXXX XXXX is refusing to correct the report and is telling me they will continue to report the account this way until it is paid off in approximately 12 years. Experian is refusing to correct the report from showing as currently being modified to showing the account as previously modified. This is the only negative remark showing in my credit report, and despite having an XXXX XXXX I am being denied credit by XXXX XXXX due to this intentional misrepresentation of facts.
Consumer complaint received 2023-08-21
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

Inquiries due to identify theft/fraud. Equifax did not help or remove hard pull inquiries after sending letters and correspondences. 

DATE OF INQUIRY COMPANY ADDRESS XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2023-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am writing to dispute the late payment that is appearing on my credit reports for the month of XX/XX/2018 associated with my XXXX XXXX XXXX account # XXXX. I firmly believe that this late payment is inaccurate and unjustified. 

My concern lies in the fact that I did not receive the billing statements for the aforementioned month, which led to the alleged late payment. I have always been diligent in making timely payments, and any late payment reported is a result of not being provided with the necessary billing information. 

Also XX/XX/2018 late payment is in violation of15 USC 1666b clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date ''.