davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GREAT WESTERN BANCORP, INC. (OH)

I divorced in XXXX at which time all mortgage liabilities were transferred to my ex wife.The mortgage in question was a second mortgage on her primary residence with Great Western Bank. This mortgage went into foreclosure after our divorce at which time Great Western Bank sent a letter of reinstatement to my ex wife, in her name only, with an offer to reinstate the mortgage and accept a {$20000.00} grant from Ohio Save a Dream. The reinstatement offer letter demanded that I also sign the " CIT '' " Change in Terms '' documents which were sent to the closing with the Save a dream  grant. This closing took place in XX/XX/XXXX My ex wife informed both Ohio Save A Dream and Great Western Bank ( and their legal firm/XXXX XXXX ) that I REFUSED to sign a " CIT-Change in Terms '' I also did not attend this loan closing for the grant or reinstatement. Although I refused to comply with the " CIT-Change in Terms '' reinstatement requirements or accept the grant funds for the {$28000.00} in legal fees charged in connection with this reinstatement, Great Western Bank continues to hold me as the SOLE signer obligated to this mortgage and has filed collections against my credit which has negatively impacted my credit score and causing me irreparable financial damages. <P/>My ex wife and myself have contacted Great Western Bank, ( XXXX XXXX ) and XXXX XXXX XXXX ; all parties involved in this transaction to no avail. Great Western Bank allowed this reinstatement without my signature or consent although it was demanded as a prerequisite for this mortgage reinstatement. <P/>I am requesting a full investigation into this matter and the removal of this illegal charge against my credit report. I am in no way obligated to pay for this mortgage per my divorce decree which was given to Great Western Bank/XXXX XXXX XXXX and per my refusal to sign the " Change In Terms '' agreement as demanded in the attached letter from Great Western Bank/XXXX XXXX XXXX  This company continues to harrass me and refuses to correct my credit immediately although they have clearly violated my consumer rights and protection under the CFPB policies. <P/>
Copies of the signed Change in Terms and reinstatement closing documents have been requested from all parties however Great Western Bank/XXXX XXXX XXXX and XXXX XXXX have refused to provide these documents. I also request the CFPB investigate all parties to this claim. Each has violated my rights and impacted my credit rating irreparably due to this negligence.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX RETAIL XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Medical XXXX Balance Owed : {$30.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$3700.00}
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage has failed to pay my XXXX property taxes by the XXXX XXXX due date. Freedom Mortgage is collecting {$470.00} each month intended to pay taxes and insurance. I have loan closure documents specifically stating that city taxes will be paid out of that escrow.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

Freedom Mortgage acquired my Mortgage from XXXX XXXX XX/XX/2015. I paid XX/XX/XXXX and XX/XX/XXXX payments in XXXX 2015 from their website. Beginning XXXX, I set up autopay for bi-weekly payments of {$1000.00} + additional {$50.00} in principle with each payment. 

Since XX/XX/XXXX, I started getting letters that I did n't make a payment. After number calls to resolve it with them, there was no resolution and they reported delinquency to XXXX and XXXX credit agencies. I disputed with both of them by providing bank statements but there was no action.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Siggi LLC (VA)

In XX/XX/XXXX I enrolled in XXXX XXXX XXXX. I included a loan with Omni Financial. In XX/XX/XXXX I contacted Omni and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact Omni Financial. XXXX told us that they sent them a letter as well as a power of attorney acting on our behalf. Last month we had this conversation with Omni Financial and stated that they were not allowed to contact our references on our account. Today ( XX/XX/XXXX ) Omni attempted to call my house phone, with a private person 's cell number that I did not know. XXXX XXXX XXXX. Then she proceeded to call my mother in law at XXXX. My wife called her back and again, we explained the situation and that this debt is enrolled with XXXX XXXX and that they have been told before not to contact our references. I explained that I was going to contact your agency because this is harassment. We have been in contact with this company from the beginning. They are supposed to communicate with XXXX XXXX.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.
Consumer complaint received 2020-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2018 I disputed an item on my credit report with XXXX XXXX for XXXX XXXX XXXX, as well as with the credit reporting bureau 's. The apartment complex is reporting that I owed for a rental in my name. I never lived at or had even physically visited this complex. After further research from the apartment manager they concluded that the SSN used to open the lease agreement was not mine but the name used was mine. They gave me a signed letter stating these facts but the debt is still reporting on my credit.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (FL)

Hello, I have disputed this collections account through the 3 credit bureaus and have requested a sign copy of the original contract to verify this debt in the amount of {$1100.00}. It has come back as verified several times with no physical evidence as requested.
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I placed an order with XXXX XXXX costing {$10.00}. Upon submitting the order I noticed the incorrect address was used ; an address I havent vacated in years. Before the order was processed I spoke with four different representatives from XXXX XXXX who ultimately did not cancel the order even though it had not been processed or fulfilled. Before the order shipped I spoke to an additional three people who said there was nothing they could do which is utterly ridiculous. They advised me to dispute the order with PayPal which is ludicrous. Now the order has arrived at a location states away with new residents. I have no way of receiving the package and the XXXX XXXX is saying nothing can be done since the package was delivered even though I warned them weeks beforehand. I am extremely frustrated and upset I feel scammed.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I don't know what's going on here. On the XX/XX/XXXX I filed a complaint against IC systems because they were trying to collect money I didn't owe and was never notified about. IC systems responded to the complaint through your portal saying they sent me a letter explaining what steps took place or their results for my complaint. They did this because in their response they said they couldn't verify who registered this complaint? 

I've been waiting patiently for this notice to arrive in the mail and it's never arrived. Now I am REALLY ANGRY. The whole basis of this complaint was the fact a collection was placed on my report without my knowledge. No notification was ever received by the creditor whom I left in good standing nor the collection agency. Now I receive what is a RIDICULOUS response to this complaint by the same collector saying they can't respond to me through this portal because they can't verify who I am but will instead send me a notice that I have been eagerly awaiting to no avail. Is this what a complaint to the C.F.P.B. looks like? Consumers file complaints that never get answered or resolved? Collectors can just write responses akin to a " bait and switch '' tactic? I am filing this complaint because IC Systems should not be allowed to just leave this complaint unanswered. The case number to my previous complaint is XXXX-XXXX. 

IC Systems should know better than this. They have my address which was provided to them numerous times in my conversation with them on XXXX. They have now had ample opportunity to send me what they said they would. Because I have not received anything from them EVEN after I have called to complain to them and filed a complaint to your bureau, I consider this proof they are not providing me with any notices and are now willfully disobeying the law and your bureau. I am being serious here. Do I really have to spend time and money to sue them over a collection this small which was never handled properly? If the answer is yes, then I will gladly do so. I will not allow them to jeopardize me obtaining credit on favorable terms or with higher rates for several years. I am filing this complaint so you know what IC systems is doing and so you can possibly look into their practices. If they are blatantly doing this to me, how many others are they doing this to?
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
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: Credit Karma (OH)

SO I got hit with an inquiry from XXXX XXXX XXXX XXXX, and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with Credit Karma. Credit Karma tells you to contact the credit bureaus and then XXXX tells you to contact XXXX ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (DC)

I have been dealing with gm financial since the inception of my loan. We did get behind on our loan and have brought it up to terms as agreed apon. But they have refused us access to look at our account stating we do n't need to do that. They also still giving me a hard time want to charges fees to pay my car note. I feel that in not allowing me access to view my account and charging me fees to pay loan is illegal. They give me no proof I am paying my car loan. They are also said they do not need abide b y US regulati ons since they are in  XXXX .
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

I had applied for a loan with a company. Recieved a call back from XXXX XXXX stating I was approved. It turned out to be a scam. The scammer told me to go to XXXX & send the money back, which I did using my bank debit card. It was about XXXX hours later they deposited another amount into my checking & told me I had to send it back, Which I did. This happened XXXX XXXX times. Checking my checking account I saw that the checks XXXX XXXX deposited were from XXXX XXXX & my name was forged on the back of the checks. Attached is proof of scam & phone numbers used by scammers. The scammer used the name XXXX XXXX and the following numbers XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-04-28
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: Paradigm Assets, LLC (TX)

FRCA Violation credit card XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation collection JHPDE FINANCE I , LLC FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (TX)

I have a XXXX  XXXX XXXX  that was original financed @ GM Financial @ a  18%interest rate, After lowering the principle by payments I started a loan process for my XXXX  XXXX XXXX with XXXX XXXX XXXX XXXX. I realized the monthly notes were higher than the budget I've set for myself. I called and spoke with someone @ XXXX XXXX and cancelled the process, before I had completed closed,or signed a power of attorney to release the title. I thought it was cancelled as the representative assured me. I continued my negotiations with XXXX XXXX XXXX for a better rate and monthly payment, we reached an agreement, I paid GM Financial an additional XXXX on the principle balance as per XXXX XXXX XXXX   request  completed all the needed  paper work @ a local branch. I signed the agreement paid the appropriate licensure fees and power of attorney for title of the vehicle. The closing was on XX/XX/XXXX.

On XX/XX/XXXX, I received a letter from GM Financial stating That the car was purchased by GM and the title as sent. I know I didn't complete paper work or authorization for the vehicle to be purchased by XXXX XXXX. I have been calling all Financial institutions, since receiving the letter.  XXXX XXXX is willing to send the title back after they get their funds back.  This has been communicated to GM. GM has kept my XXXX dollars I paid. GM Financial have cashed the check for XXXX  in the amount of XXXX  ( the amount owed after my XXXX principle payment). GM Financial has also cashed a check for XXXX for XXXX XXXX.  I now have two car notes to two different companies due in the latter part of XX/XX/XXXX  I completed the paper work with XXXX XXXX,that is the company I want. I call GM nearly every day after being on hold from 30-60 minutes and I am getting different answers each time I call from it will be resolved in 48 hours until it could take 90 days. I always have to start the story all over to each representative and I believe he or she does not consult anyone or know the company's policy and wants just to end the call. I have not missed a payment since I had the vehicle, but I am semi-retired, I don't want to pay double. I need help to resolve this matter.
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (RI)

Commenity Capital Bank has been harassing me for months now regarding credit card accounts that they allowed others ( NOT ME ) to open using my once high credit score and personal information obtained most likely through one of the several data breaches I have been victimized by. Commenity has repeatedly been asked to provide proof of the debt and to provide information about how the accounts were opened ( or in some cases reopened ) without my authorization. 

Commenity has been calling me several times a day now for about five months using abusive and threatening language and refusing to stop calling, refusing to provide proof of debt, refusing to do anything except call me to extort money from me. 

Yesterday, XX/XX/2019, at XXXX XXXX  they began harassing my relatives. Specifically, " XXXX '' at XXXX Extension XXXX called my sister and her husband, Dr. XXXX XXXX and XXXX XXXX XXXX, to harass them about my " debts. '' My sister will be filing a separate complaint about these actions. She is also contacting her Congressman and the Virginia Attorney General. For my part, I will also be contacting my Congressman and my state attorney general since CFPB seems to be giving Commenity a hall pass on their bad and illegal behavior. 

This was clearly an attempt to embarrass me and coerce me into paying them for a debt I do not owe. 

Pursuant to the Fair Debt Collection Act, I have asked several times for proof of debt. This has been met with illegally requesting me to incur great cost and time expense in providing police reports, notarized ID copies and pro viding information that I do not have since I did not open the fraudulent accounts, Commenity did. Under the Fair Debt Collection Act they NEED to provide me with the details. " They were opened on line '' is not valid. I did NOT consent to opening " online accounts '' with Commenity. I am not interested in paying 30 % interest for overpriced items from the vendors for whom they provide store cards ( XXXX, XXXX, XXXX XXXX ).
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Comerica (NY)

XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX XXXX XXXX INROLLMENT CARD WITHOUT INROLLMENT CARD THEN PLACE XXXX WAITING FOR SUPPLMENT SECUITY PAYMENT XXXX TAKE THERE MONEY XXXX XXXX XXXX  XXXX XXXX CARD CANELL SEND NEW CARD XXXX THEN INPUT ALERT ACCOUNT XXXX XXXX  EFT XXXX XXXX CARD XXXX A DUCUMENT FAX DMV XXXX COMPLAINT DUCUMENT NOT CLEAR REFUSE SEND NEW CARD CARD XXXX XXXX XXXX   XXXX DISRIMINATION RACE ALOS CREITED POOR AMEREICAN BOEN STATE WITHOUT CREITED CARD GRANTED UPON FEDRAL PAYMENTS DEPOSIT ACCOUNT USEING PRE PAID CARDS NEED BANK CARD XXXX XXXX  XXXX ROUTING XXXX CLOSE CARD XX/XX/2018 OPEN DEPOIST NEW YORK STATE SUPPLMENT SSP XXXX DEPOSIT ACOUNT REJECTED SEND BACK SENDER PAPER CHECK LEFT ACCOUNT XXXX I WAS MAKING PAYMENT ACCOUNT XXXX XXXX  ONTHER FIRM XXXX XXXX XXXXMASTER CARD RESTRCITION CARD BLOCK CARDS SEND FEDRAL PAYMENT BACK SENDER DEPARMENT TRERTY KID TOOK TRADE AUTOBOADY TTOK LOAD XXXX GOVERMENT CREITED BURURE ICAN GET CREITED CARD DAMGE NAME ONTHER XXXX XXXX ONTHER FIRM XXXX XXXX  XXXX ACCOUNT EXCESS CARDS
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (UT)

Macy's/DSNB # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX  XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.