davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I have made numerous complaints to CFPB about our mortgage over the years because it keeps being moved from company to company due to lawsuits and injunctions from the government due to the practices of these mortgage companies. My loan went from XXXX ( which went under due to bad loans ) to XXXX XXXX XXXX XXXX which was sued by the gov't due to not modifying properties with bailout money ) to Greentree ( who had an injunction against them from the gov't for not modifying properties ) and now onto Ditech. I paid three times what the house was really worth in XXXX and was hit with the housing crash and could not sell the property. I had a XXXX baby in XXXX and lost income due to caring for her and I spoke with Bank XXXX XXXX EVERYDAY for an entire year who assured me over and over we would work out a modification no problem. They then sent me a proposal for a modification where they INCREASED the mortgage from {$1100.00} to {$1900.00} a month! Then Greentree took over, I applied for a modification with them, never heard a word, put the house up for short sale, had numerous offers, Greentree turned down every one. Then Ditech took over, I applied for a loan re-modification with Ditech and were approved to make XXXX payments of {$960.00} with no details of the permanent modification on the temp agreement. We made all XXXX payments on time and were sent the contract for the permanent modification this month. This modification is HORRIFIC. It not only has a balloon interest, a balloon principle but also {$100000.00} added on for " fees. '' Ditech claims this modification is under the HAMP " Making Our Homes Affordable '' program, but in researching that program they are completely violating the entire program. They are basically asking us to agree to pay {$400000.00} for a property that is worth maybe {$140000.00} on a good day. Stating that when the mortgage is " paid off '' we will then also owe a lump sum of {$100000.00}. This is the kind of loan that caused the housing crisis in the first place. We are now going to see an increase in foreclosures AGAIN due to these outrageous and crooked modification loans that the banks and loan agencies are pushing on desperate, uninformed people. They are disguising these loans with low monthly payments but putting massive debt on these properties on the back end. How is this " Making Homes Affordable ''????? The government needs to be made aware of these horrific loans happening again. I work in the court system and see it daily, my husband is a XXXX, we have XXXX small children. Our youngest has had many health issues and constant therapist and specialist visits, we do not need the added stress of a bank trying to XXXX us over. I have been in court with a pending foreclosure for this property and it has been nothing but a nightmare. I can pay a mortgage but will not pay XXXX times what my house is worth and pay for hundreds of thousands of dollars in " fees. ''
Consumer complaint received 2022-10-14
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I already explained that the account was opened by me. However, the charges for gift card that started on XX/XX/XXXX are not mine. I have explained that my identity was stolen. I am not sure what to do anymore. Company is refusing to accept that my identity was stolen. If they insist that this is my debt, then provide proof that I made those purchases. I can provide anything they want, go to trial if needed. I am not worry about going to court about this. You can request video footage of whoever made these purchases and prosecute. I did not made any charges on the account from XXXX and on. You will also see that other accounts were used to make payments from this date on. Accounts not under my name, from the person who stole my identity. I was told by Capital One, that the bank account making payments in my credit card was not even in the same state as me. I even recall a phone call where they told me that they would contact the fraud bank to track down who the owner was, I never heard back. I already submitted a police report, an identity theft report, letters, and nothing is being reviewed. They just sent me a letter that they have finish their investigation and have decided that this is not identity theft. No proof as to why. I need this company to stop collecting from me. I do not owe this debt. They can not provide proof that this is not identity theft. I am providing everything I can. It is not correct for Capital One to decide that they will continue to charge a debt that has been proved to be identity theft. My next step will be court, I have my documentation, if you guys bother to review it, you will see that the charges on the account from XX/XX/XXXX and on changed and suspicious activity started. Before that, the account was always in good standings. Again, I am willing to take this to court if needed. 

Letter 1 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
Letter 2 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
CFPB complaint was already submitted on XX/XX/XXXX and company decided on XX/XX/XXXX that it is not identity theft. Despite proof of all the contrary.
Consumer complaint received 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (SC)

I was applying for a refinance of my Ditech FHA loan. I wanted to get cash out. The refi was with Ditech. I was strung along for over XXXX weeks. They kept telling me everything was good and not make the XX/XX/XXXX payment. I asked over and over again. They told the loan was good to close and about a week before started asking me for all these things that they needed. XX/XX/XXXX the day before closing they said the loan was not approved. Still have to pay my XX/XX/XXXX payment eben though I have a email saying that I dont. THEY ARE LIARS.
Consumer complaint received 2019-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC (FL)

Spring Eq, sales rep XXXX XXXX  was trying to do an equity line for my house up to XXXX he promised me that, before running credit report I told him my credit score is XXXX and my wife is XXXX and that the house value was XXXX and that we owed XXXX. he told me it would be fine we could get the loan. my wife and I went to throughout the process. I even paid for the appraisal XXXX and at the end, he came up with the story that I needed XXXX and my score needed to be XXXX to get the loan. at that moment I felt scammed because the information I gave him, he was not looking for the customer best interest, the appraisal came up at XXXX, which it is a complete lie the houses based on the historical sales and same sq footage came up to be at XXXX, I asked him to disputed but he denied. I called the appraiser and even though I paid for it he denied to reconsider my petition because I was not his client. to me, this is all a XXXX scam. to pay for the appraisal and nothing will happen and getting XXXX   from the customer. please warn the customer about these malpractices made by Spring Eq and sales rep. such as XXXX   XXXX
Consumer complaint received 2021-04-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-02-21
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. (NY)

I am looking through my credit file and i am noticing a company called XXXX XXXX who gave me a hard inquiry on XX/XX/2019. To my knowledge I never authorized this company or anyone to run my credit on this date. 

In my eyes this done without my knowledge and would like it off my credit report as it is fraud and not authorized by me. 

I have went over paperwork and I have not found anything with this company. 

I have also noticed there is an address reported at XXXX XXXX XXXX XXXX XXXX XXXX, tv XXXX which I never ever lived at on my file.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, I mistakenly transferred funds- {$37000.00} - from my current XXXX checking account ( account no. XXXX ) to a prior XXXX XXXX checking account ( account no. XXXX ) that has been closed for approximately 10 years, but was still linked in my XXXX account. XXXX has confirmed that they recycled my XXXXXXXX XXXX checking account ( account no. XXXX ) and that this account is now with another consumer. However, XXXX will not return my funds and is insisting that XXXX dispute and/or recall the transfer / funds in order to process the return of my money, but XXXX is refusing to dispute or recall the transfer.
Consumer complaint received 2020-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was going over my credit report and noticed a few things i believe is fraud as i never authorized any of this to my knowledge. I do not recall signing anything with these companies or agreeing to doing any business with them. 

The following companies are giving me hard pulls on my credit report XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XXXX XXXX XXXX. 

I believe all these to be fraud. As I did not authorize my credit to be run by any of these companies. 

XXXX for example I had called and they had no idea what I was talking about.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc. (NC)

Over the course of  XXXX , I accrued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . While I was on  XXXX   XXXX , the college discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA. That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA. ( Please see  XXXX ,  XXXX  claims debt transferred to ACT )
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, On XX/XX/30, I deposited a check in to my checking account at Bank of America for {$13000.00}. A 7 day hold was placed on that deposit. I have had my account for over 10 years, and have significant deposit history. 

On XXXX, the issuing bank paid the check, and funds have been verified and released to Bank of America. 

On XXXX, I visited Bank of America. The rep and manager during that visit spoke with their customer service line and their deposit operations. Neither of those departments could state why the hold was in place besides company policy and that they were still reviewing the deposit. A copy of the cleared check from the issuing bank was provided, and they stated that even if the issuing bank verbally confirmed to them that the funds were good and cleared, that still would not release the deposit hold. 

I find it extremely disconcerting that Bank of America can prevent me from having access to my verified funds.
Consumer complaint received 2020-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my transunion file there is some fraud and unauthorized activity I never authorized or signed up for. I am getting hard inquiries from XXXX XXXX on XX/XX/2019 and XX/XX/2019. Both of which I never did. 

I had spoke to XXXX XXXX back In XX/XX/2019 and they had agreed to remove all fraud and unauthorized stuff as i wanted it removed from my personal credit file as I did not do it. I had asked for proof of me authorizing it which they could not approve. 

So I am unsure why this is still on here. I would like these bogus inquiry 's off my credit report with transunion and any other credit companies as all this was not authorized by me and is fraud.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NJ)

Referring to DISCOVER card 's {$50.00} referral bonus. I was both referred by a friend over a month ago and I referred somebody else two weeks ago. By the terms of the promotion, I should have received {$100.00} total for both referrals. It has been a month since opening my credit card ( my first purchase was XX/XX/XXXX ), and I have not received anything to date. Discover customer service has not been able to help after contacting them multiple times.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/2021 - Thawed Credit at XXXX, XXXX  &  XXXX  fromXX/XX/XXXX-XX/XX/XXXX : XX/XX/XXXX - Applied for Sam 's Club Mastercard from Synchrony Bank : XX/XX/XXXX - Received REJECTION letter from Synchrony Bank Reason Denied : UNABLE TO ACCESS CREDIT BUREAU due to FREEZE : XX/XX/XXXX - Thawed Frozen Credit AGAIN from XX/XX/XXXX-XXXX XXXX : XX/XX/XXXX - Applied for Sam 's Club Mastercard from Synchrony Bank AGAIN : XX/XX/XXXX - Received another REJECTION letter from Synchrony Bank Reason Denied : NUMBER OF RECENT CREDIT INQUIRIES ( Source : XXXX  ) : XXXX XXXX Obtained XXXX  Credit Report and saw 2 hard credit inquiries XX/XX/XXXX and XX/XX/XXXX from my Synchrony Bank ( SYNCBSAM 'S PLCC ) applications : ISSUE/QUESTION : 1. ) Why did I get a rejection from Synchrony Bank on my XX/XX/XXXX Application for UNABLE TO ACCESS RECORDS DUE TO CREDIT FREEZE if as noted on my XXXX  credit report there was a HARD inquiry from Synchrony Bank on XX/XX/XXXX, XXXX : 2. ) Synchrony 's INABILITY TO RECOGNIZE that they ACCESSED XXXX  on XX/XX/2021 caused me to apply for the SAM 's Club Mastercard a SECOND time on XX/XX/2021 which led to the SECOND HARD INQUIRY by Synchrony Bank and the XX/XX/XXXX rejection for MULTIPLE RECENT CREDIT INQUIRIES. ( There were no other Hard Inquiries on my XXXX  Credit Report ) : Contacted Synchrony Bank- They told me to contact XXXX  to get the hard inquiries removed & if I still wanted the card, wait 30-60 days and reapply and see what happens. : Contacted XXXX - They said ( if I understood correctly ) I would have to have Synchrony bank issue a report to me which I would then forward to XXXX stating that the 2 hard inquiries should be removed. :
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I was a victim of a phishing scam via XXXX on XX/XX/XXXX. The person contacted me via direct messaging, called me, and pretended to be having a giveaway using a fake cloned business page and used social engineering to gain access to my XXXX XXXX account and used it to take {$1500.00} in total from my bank account which was linked without my consent. 

I sent a message to XXXX XXXX the day it occurred, but I did not get a response. On the day it occurred ( XX/XX/XXXX ), I also contacted my bank and filed a fraud claim. I spoke with the fraud department and the representative processed my claim for the three charges of {$500.00}. They granted me temporary credits for the three charges while the investigation was conducted. On XX/XX/XXXX, I received a decision stating I was found responsible for the transactions and they were reversing the three temporary credits for the three {$500.00} charges. I disagreed with the decision due to the charges not being authorized due to the incident being a scam. On that same day, I called my bank once again to appeal the decision reached by the fraud department. I got in contact with the fraud department just for them to tell me I should have disputed the charges originally since I have used XXXX XXXX for transactions in the past. 

Next, I was transferred to the dispute department, and they restored the three charges back to my account once again while they claimed they will investigate again. On today ( XX/XX/XXXX ), I got another decision from my banks dispute department stating the dispute requests were duplicated and the Fraud department, which told me on XX/XX/XXXX that I should have disputed the transactions, had already disputed the transactions and the three charges will once again be reversed on XX/XX/XXXX. I once again called my bank to appeal the decision, and the representative I spoke with did not help me much, and she just said it is unfortunate and she put a note on my account for the dispute department to reopen and appeal the final decision made. Now, I am back at square one with the same decision.
Consumer complaint received 2022-12-01
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. (TX)

I dont believe that you there at Transunion have no time to tackle or review my complaints and Im sure you have seen the FTC report Ive sent. I am a victim of identity theft and Transunion is neglecting my complaints by not complying with FCRA section 605B. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for this as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, XXXX, Equifax ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Alliant Capital Management LLC (IL)

Spent {$5000.00} on last statement. Company closed my account for no reason and said they sent a letter to my house which I never received.They did not issue 3 % cash back on {$5000.00}. Statement was from XX/XX/XXXX thru XX/XX/XXXX.