davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
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: EQUIFAX, INC. (IL)

I wrote to Equifax vi a USPS Priority ma il with a delivery date of  XXXX / XXXX / 2017 . In that letter I asked them to verify under the  FCR Act, section 609 ( a ) ( 1 ) ( A )  an unverified item on my credit report which was   XXXX   XXXX    XXXX  and   XXXX     XXXX    XXXX   XXXX  . On  XXXX / XXXX / 2017  Equifax came to the conclusion that the items were mine without sending me any physical verification that the debt was mine. In my letter I specifically asked them to verify by sending me physical verification of the original signed consumer contract with my signature on it because anyone paying for their reporting services could fax, mail or email in a fraudulent account, because by law (  FCR Act, section 609 ( a ) ( 1 ) ( A ) ) if i ask  they are suppose to comply. I never recieved any proof that the debt was mine only a copy of their completed investigation which did not include any physical proof.
Consumer complaint received 2022-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted consumer adjustment company involving a debt that they claim I owe that was taken In my name without my approval authorization and or knowledge I have sent over the required documents requested to dispute this item as fraud. The company removed the items from my XXXX  and XXXX and however has failed to remove the item from my Transunion report.
Consumer complaint received 2018-03-22
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. (RI)

I had file a dispute with Equifax in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.
Consumer complaint received 2017-08-09
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. (CA)

I 'm sorry to keep bothering the CFPB with all my credit problems, but being XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have no choice. I call the credit bureaus and they get frustrated with my XXXX, and my writing looks like chicken scratch.everytime I look at my credit report I find more and more wrong.i found a reaged account in my old XXXX XXXX account with experian.i do n't want to wait any longer than I have to to put this ordeal behind me.
Consumer complaint received 2017-10-16
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. (KY)

XXXX XXXX XXXX XXXX XXXX was removed and then added back. This is against the law. Please remove and leave it off. Thank You ... .XXXX XXXX XXXX XXXX and everytime I come back I have to fight this. XXXX XXXX
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

Company : Ditech a XXXX Company Amount : {>= $1,000,000} Action Taken : I called on XXXX/XXXX/17 spoke to XXXX, called on XXXX spoke to XXXX, requested to speak with a supervisor and was transferred to XXXX ( ID # XXXX ). XXXX informed me on XXXX/XXXX/17 that she would return my call within 24-48hrs to answer 5 specific questions regarding my mortgage account, and the {$18000.00} funds sitting in an applied account. I received no call from Ditech and/or XXXX. I received a door hanger from Ditech on XXXX/XXXX/17 with an URGENT request to contact the company to discuss my account. I called the number listed XXXX XXXX XXXX XXXX, on XXXX/XXXX/17 at XXXX and spoke with XXXX XXXX There was a note in the account that if the customer called then I was to be transferred to an extension. After 15min, the phone range 100+ times and NO ONE ANSWERED. I requested funds be applied to the principal on several occasions and according to XXXX and XXXX " the system reversed the funds and applied them to the loan and not the principal '' even though they were extra payments and money that had been sitting in the unapplied account. Now that the account is up to {$18.00}, XXXX I can not get solid answers and action from Ditech. I am concerned about these preditory lending practices and the effect it will have on me and my spouses credit.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (AL)

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (VA)

Contacted company by phone and by letter advised the account in question does not belong to me. Stated to the rep that XXXX has moved this account on to 2 other collection agencies have sent proof account is not mines. Rep advised account would be sent to the credit bureaus have tried to obtain a home loan being stopped by this collection affects my credit score.
other collection agencies have removed after finding info provided by XXXX were bogus.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Due to my late brother 's sudden death, I had to take over his affairs and pay his final bills, This was done at the expense of my being unable to pay my mortgage and granted a COVID-Relief Plan. Before the Relief Plan ended on XX/XX/XXXX, I applied for a loan modification on XX/XX/XXXX. In the meantime I sold my brother 's property on XX/XX/XXXX. However, the closing fell through four times, before finally closing on XX/XX/XXXX. Once I received the funds, on XX/XX/XXXX, I contacted SLS, to get the total past due amount owed, on my mortgage account. It took one week to receive this " past due amount '' to bring it current. On XX/XX/XXXX, I was given the total amount due, and immediately sent the {$6000.00} by Registered Mail to SLS in XXXX XXXX, CO. I received notification that it was indeed received, on XX/XX/XXXX, ahead of the XX/XX/XXXX deadline date on which the stated amount would expire at midnight on XX/XX/XXXX. However, when I called today, in response to a statement that does NOT reflect my {$6000.00} payment and there is now an additional charge of {$330.00} on that account which is due. When I questioned the agent as to WHAT this was for, she stated, {$300.00}. property inspection fees and {$2.00} inspection fees. No mention of WHAT the additional {$30.00} was for. 
In the first place, I have NEVER received ANYTHING from SLS stating that they were sending my home to Foreclosure. NOTHING whatsoever. They are required to SEND ME that information, by law, but to date, I have received NOTHING on this. Instead, they have charged my account an additional {$330.00} and I am DISPUTING that amount. The total amount that I paid, {$6000.00} included ALL fees and that amount was GOOD through XX/XX/XXXX. I PAID that amount in full, on XX/XX/XXXX and immediately sent it by Registered mail, on XX/XX/XXXX. I received confirmation that it had been received on Friday, XX/XX/XXXX at their XXXX XXXX, CO location. There should be NO FURTHER charges to this account. NO property inspection fees were ever done, as it had just been referred to Foreclosure on XX/XX/XXXX. I called on XX/XX/XXXX to get the total past due amount to send. I was told that it takes one week to generate that amount. I paid the {$6000.00} amount in FULL on XX/XX/XXXX and it was received on XX/XX/XXXX and I should be given credit for that amount. No further amount is due on this account. I do feel that I am being harassed by this SLS because I am a XXXX XXXX and SLS knows that they can " Get away with doing this ''. PLEASE help me put a STOP to this abuse and harrassment of XXXX by SLS. 

No wonder this Specialized Loan Servicing has such a bad reputation for taking advantage of Mortgagees. Just read their Reviews. It is NOT right to treat mortgagees in this manner.
Consumer complaint received 2018-03-22
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: SYNCHRONY FINANCIAL (CA)

I applied for PayPal 2 % cashback MasterCard and was approved for a starting limit of {$5000.00}. I received the card which clearly states it's a cashback credit card on the back as well as the design for such card. Even the billing statement states all the benefits for such card, which is no minimum redemption amount and no rotating categories. However, I was given the benefits of another card which is the PayPal Extras MasterCard which is based on points and rotating categories. I called their customer service and spoke with one the agents, her name is XXXX, who stated that I earn points plus the 2 % cashback and that the cashback is converted to points. I also spoke with one of the supervisor, his name is XXXX, where he confirmed what XXXX just said. So, I applied for the PayPal 2 % cashback MasterCard and was given the perks of another card which I clearly didn't apply for. Also, If they applied for the PayPal Extras MasterCard, Why didn't I get the correct card design, or how my statement thinks I have the cashback version of the card and at the same time treating it as the Extras version.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage Services LN  XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA   XXXX   On  XX/XX/XXXX  we started a short sale with  XXXX , who was the servicer at that time. It has since been transferred to Carrington Mortgage Services ( CMS ). On  XX/XX/XXXX we faxed a complete short sale package to CMS. On  XX/XX/XXXX  CMS claimed their BPO came in at $ 260k and they countered the buyer at this price.
<P/>
This price is not at market value and we have requested a copy of the BPO multiple times ( as per ECOA guidelines set forth by the CFPB ). CMS has outright refused to provide a copy of the BPO, stated they dont have to follow anyones guidelines, and insisted that the BPO came in at $ 260k.
<P/>
We have since received an appraisal done by a Licensed Appraiser adn the value came in at $ 197k. it is obvious CMS has manufactured the value of $ 260k and has therefore committed Valuation Fraud.
<P/>
Well, since we were planning to go after the BPO agents license for Valuation Fraud, we decided to discuss this with said BPO agent. The BPO agent emphatically insisted he did NOT bring the value in anywhere near $ 260k. That leaves the Fraud resting squarely on the shoulders of CMS not a surprise to us, actually. Every single file we have ever had with CMS has resulted in multiple CFPB complaints as a result of their FRAUD.
<P/><P/>
1. CMS forecloses on properties to that they may steal the homeowners equity in the property.
2. CMS forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. CMS forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves Please read # 3 again CMS has THEIR OWN RETAIL DIVISION that will list and sell properties to the benefit of CMS.
CMS has violated ECOA guidelines by refusing to give a copy of the BPO that was done.
<P/>
CMS has committed FRAUD by establishing their own value CMS is refusing to give an appropriate value for the property in order to prevent the short sale from taking place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels.
<P/>
I am sure CMS is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help.
<P/><P/><P/>
This is NOT the 1st time this EXACT COMPLAINT has been made against CMS. Not only are there thousands of other people that have filed complaints for these reasons, but we too have already filed complaints against CMS for these same reasons. We would be happy to provide evidence of this upon the CFPBs request.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (WA)

In our CPFB correspondences XXXX and XXXX, your company repeatedly claimed that I cancelled the card before the points became available, which is why you could n't give me those points. 

This is not true. 

The points were available when I cancelled the card ( see attached screenshot from XX/XX/XXXX, showing points still being available ). Consistent precedent during my 5 year relationship with Amex and per terms and conditions, already available points do not get taken away on cancellation ( unless there is fraud or returns, which is not the case here ). These points were clearly available as you can see from attached. 

Second, in our correspondence you also mentioned a 6 to 8 weeks review. However, these points were earned on XX/XX/XXXX, and taken away on XX/XX/XXXX, well beyond the 6 to 8 weeks mark. So the review is not the issue here. 

What 's more, if the review showed some issue with spending ( either before or after my card cancellation ), then the miles related to that spending should 've been taken away also ( they were not ). Clearly there was no issue with the spending review, since those miles did not get taken away, only the welcome bonus which again, was already available. 

I understand the XXXX bonus link got public on your end, but that 's not my fault. Your company should honor the terms and conditions of cancellation. Lets resolve this amicably instead of making the process expensive claim notices, third party arbitration and so on.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am the victim of Identity theft. I am writing to bring to your attention fraudulent information on my credit reports.

UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

Furthermore, I have reviewed a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Please see the following accounts that have appeared on my credit report from an identify theft, in which the thief criminally utilized my information to open them. Please block and remove these accounts. Supporting documents substantiate and validates the claim. 

XXXX XXXX XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX  {$8100.00} XXXX  CHILD SUPPORT XX/XX/XXXX {$3800.00} XXXX  CHILD SUPPORT XX/XX/XXXX {$0.00} XXXX XXXX XXXX  {$160.00} XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XX/XX/XXXX {$7400.00} XXXX XXXX  {$11000.00}
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The public records shows up at {$0.00} and both are dated XX/XX/2019 and the other XX/XX/2019 are not mines I tried to dispute because I dont have knowledge of these two public records.
Consumer complaint received 2021-05-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Corporation on XX/XX/2020. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Nissan Motor Acceptance Corporation made me pay for insurance seperately. Nissan Motor Acceptance Corporation is in violation of 15 USC 6802. Nissan Motor Acceptance Corporation did not disclose to me or make it aware of my right to opt out. Nissan Motor Acceptance Corporation is also in violation of 15 USC 1635. Nissan Motor Acceptance Corporation was supposed to disclose to me the right of recision, I was not notified of this right.
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

On XX/XX/XXXX    I received a letter from  Toyota Financial Services ( TFS ) s tating that they paid, on behalf of me, {$110.00} to  XXXX   XXXX , Virginia for personal property taxes for th e 1st  half of  XX/XX/XXXX  (    XX/XX/XXXX -   XX/XX/XXXX  ) . My car lease was terminated with them   XX/XX/XXXX   so the prorated amount per  the county  was only {$72.00} for the year.  The county  verbally confirmed that, due to the " Secrecy of  In  formation Act '' t hey were unwilling/unable to provide me a copy of the bill or information as to whether or not the account had been overpaid and a refund issued to  TFS.  They stated as the Lessee I am technically not on the account and thus this information could not be released to me.   I explained this to TFS on   XXXX   when I called in and they indicated that they had no record of this and that if a refund was to be made to them it would take them upwards of 6 months to refund it back to me. I have experienced this inaction on their behalf before when they mistakenly double charged me personal property taxes for the year of  XXXX . It took them 6 months to resolve the issue before and that was with an excessive amount of action on my end as the consumer.  <P/> They were very courteous in the past but now that I am no longer an active customer to them I simply owe them money and are unwilling to look into this further for me. I fear I will not see this {$41.00} again as they have nothing holding them to customer satisfaction at this point, and  the county  is unable or unwilling to assist me.  <P/> In my opinion, with a potential 6 month waiting period interest should be tacked on to the money they owe me.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NE)

Hello, I hope this letter finds you doing well. FedLoan is incorrectly reporting 23 late payments across six student loans to the credit reporting agencies, such as XXXX XXXX and XXXX During the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, FedLoan is reporting to credit reporting agencies such as XXXX, XXXX, and XXXX, that I was late on each of my six student loans in question. <P/>In XX/XX/XXXX I was supposed to be in forbearance for temporary financial hardship. As seen by the attached document, FedLoan granted me a retroactive forbearance in XX/XX/XXXX that lasted fromXX/XX/XXXXto the end of XX/XX/XXXX. <P/>Thus, FedLoan is aware that I was supposed to be in forbearance, they approved said forbearance way back inXX/XX/XXXX, and FedLoan has internally adjusted their records to demonstrate that I was, indeed, in forbearance from XX/XX/XXXX to the end ofXX/XX/XXXX. <P/>However, despite my numerous efforts to get FedLoan to update the credit reporting agencies to remove these late payments because I was in forbearance, FedLoan continues to refuse to updated the credit reporting agencies if these inaccurate late payments. <P/>I have called FedLoan to dispute these late payments, and I have supplied FedLoan in writing that these late payments need to be removed because I was in forbearance. In addition, I have supplied FedLoan with the FTC Advisory Opinion that asserts that student loan accounts need to accurately reflect current information. <P/>Here is a copy of that Advisory Opinion : https : //www.ftc.gov/policy/advisory-opinions/advisory-opinionXXXX FedLoan continues to report these inaccurate late payments and they continue to damage my credit by not updating the credit reporting agencies that these late payments should be removed.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

ENHANCED RECOVERY CO  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  The company listed above has placed a collection on my credit report as of  XXXX   XXXX ,  2017  stating that I owe a debt to them in the amount of  XXXX . The original debt was to  XXXX   XXXX  and the debt was for less than the amount listed, this company has no legal authority to collect any debt from me and this should be removed from my credit. The original debt is alm ost 7 years old.