davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Recovery Systems, Ltd (GA)

XX/XX/2020 I was called by a person who said there name was XXXX.who worked for Nationwide Recovery Systems They asked if if my name and SSN matched what they had on their records. They read the last 4 of my SSN to me prior to even confirming I was who they were looking for. This is PII and should not be given out to frivilantly. I have recently changed my number, and I am concerned that they may have called others and given out PII. Once I asked how many others they had released my PII to they hung up. 

I called back to talk to a supervisor, and they said that was not PII and something they do regularly. 

the last 4 of someones SSN is very sensitive and used in all kinds to places as a security code. I want a list of who else they called and gave my information to.
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUSTMARK CORPORATION ()

Dear sir My loan applied in XXXX XXXX - XXXX ( XX/XX/XXXX ) My TWO WHEELER loan reference NO ; XXXX I closed my loan account last month XX/XX/XXXX ( principal amount also paid in online ) We need NOC
Consumer complaint received 2021-03-03
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: Experian Information Solutions Inc. (OH)

I was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX DOB XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (IL)

This is a follow-up to CFPB case number XXXX, Wells Fargo case number XXXX. I was told by Wells Fargo on XX/XX/2018 that my next statement would contain the correct promotional terms ; however, my XX/XX/2018 statement still contains the incorrect promotional terms.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I started my loan modification process with XXXX XXXX XXXX in XX/XX/XXXX. I thought I was nearing the end of the process and near a decision on my request when my loan was sold to Bayview Loan Servicing. Ultimately the process had to be restarted and I've been working on that for more than a year. Through this reapplication and review period I've been trying to establish how many payments I've missed. After much back and forth, I finally got something from Bayview. While I agree with the payments missed with Bayview, they show I've missed payments when my loan was with XXXX XXXX XXXX. I am still disputing the validity of debt that Bayview says I have with the previous servicer of my loan ( XXXX XXXX XXXX ) It does not agree with my records at all.. Meanwhile I've been trying to make regular payments and have been in regular contact with the asset manager at Bayview. In this past week I have been trying to get in contact with him to make another payment. I have been attempting to reach him by phone and by email. Finally after days of trying I got a message the phone number was no longer in service and my email was returned as undeliverable. Finally I was able to get through to someone at Bayview only to find out my file as assigned to another asset manager so I could successfully make a payment on time. I have not gotten any correspondence letting me know about this change of personel. I am frustrated by their lack of attention and customer service.
Consumer complaint received 2020-08-25
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: Experian Information Solutions Inc. (GA)

I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.
Consumer complaint received 2015-09-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Joe Pezzuto, LLC (CA)

I continue to receive annoying/disturbing/harassing phone calls at my place of business from the Law Offices of Joe Pezzuto ( the number identified in my caller ID is XXXX ). When I answer the phone, they either hang up on me ( this happens repeatedly ) or they continue to ask for someone that I do not know. When I tell them that I have no idea who this person is and that they MUST discontinue calling me at work, they typically just hang up ( and call again ). This is my place of business, and I DO NOT know who this person is that they continue to ask for.
Consumer complaint received 2017-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

Unfortunately, OneMain/Springleaf is continuing to string me along as a consumer in hopes they can bully me. This is in response to my latest communication with OneMain/Springleaf who actually suggested themselves that I file another CFPB complaint. First they take the FULL 60 days in responding to my first, original CFPB request ( Case number : XXXX, -XXXX 2017 ), then respond giving me only a few weeks to review and respond. All the while they are reviewing, they are stressing that I continue to make my monthly payment which is interest only. After they submit their response in XXXX, the response and claims are very incomplete and false. 1 ) I NEVER asked for settlement. I only asked to pay what I should owe based on account payments over time. They tried to say I asked for a settlement - which I never did. I asked to pay off what I calculated I owed given my payment history. They changed my words around on several occasions to say that I said I want to 'settle ' my loan as if I am trying avoid paying what I owe. This is just a blatant lie and an obvious strategic smear to place on me as a consumer. I not once said I wanted to settle, and I stated this several times, yet their documentation keeps saying that I said this. 2 ) After 60+ days of supposed " review '', they supply incomplete information from my first CFPB complaint. They stated I authorized agreement to terms, but do not at all provide documentation stating so. They only provide my original loan agreement and the statement of terms to date. I had to send another response asking for the additional documentation to support their own response. 3 ) There is no where stated on my original loan, that my loan is " pre-computed '' loan. They are now saying this to justify a revert to an interest-account account. However, this is never stated in my papers, therefore I could not have possibly known an AOT would chance my loan to this. So my last 1+ years of payment were solely interest only to justify the overall inflated balance they now say I owe. 4 ) Since this is going on 6 months +, they have tainted my credit and hampered me from making other solid financial moves, due to a significant credit score drop. I feel this is by design in an attempt to bully me, since they previously stated that " I do n't have my own legal representation ''. I am being bullied my OneMain/Springleaf, and I had been a long-time customer for over 10 years. I do n't know if the Springleaf merger changed how they do business, but until they show how and why they changed the terms of my account, I feel fraudulent methods have occurred on my account.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$2300.00}
Consumer complaint received 2016-05-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

I HAVE ATTEMPTED TO HAVE A COLLECTION ACCOUNT REMOVED FROM MY CREDIT.I CONTACTED ALL PARTIES INVOLVED TO DISPUTE THIS. XXXX REMOVED IT BUT THE OTHER XXXX DID NOT. THE ACCOUNT IS NOT MINE. I WAS WORKING XXXX, ALSO D.O.B. DOES NOT MATCH. THIS IS NEGATIVE ON MY CREDIT AND IS CREATING AN ISSUE.
Consumer complaint received 2021-09-14
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. (AK)

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX XXXXXXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 equifax data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY XXXX  KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

I am located in Florida. On XX/XX/21 I checked my TD Bank account balance on line and discovered that my account had been drained, someone withdrew a total of {$23000.00}, at a TD Bank location in XXXX. There were three withdrawals directly at the branch, dated XX/XX/21, for {$9000.00}, then {$9300.00}, and {$4700.00}, and XXXX ATM withdrawals for {$100.00}, and {$380.00}, on the same day. My wife and I immediately called TD Bank and we notified the fraud department. I was instructed to go to my branch in XXXX, FL, and file a fraud report. The TD rep at the branch looked at the transactions and informed me that on XX/XX/21 someone impersonating me went to a TD location in XXXX requested to be issued a debit card to my account, TD Bank issued the card to them, and this person or persons subsequently went to the teller and in three separate occasions withdrew large amounts of cash totaling of {$23000.00}. Then they took more money out at the ATM. I own this account together with my wife. We went to the police and filed a report on XX/XX/21. 
At this moment, TD Bank has not given us any answer as to how they allowed this to happen. The money has not been refunded to the account. We have been to the XXXX branch every day, they are telling us that we need to speak with the Fraud department. We have been calling the Fraud department repeatedly and put on hold for 2, 3, 4 hours, day after day, nobody ever picks up. Do they even have a fraud department?? I tried to reach supervisors repeatedly, no one was able to give us any indication as to what happened and how and when we will recover our money.

It is unconceivable that somebody out of state would obtain access to my funds so easily, with no questions asked. No red flags went off. No email or any message was sent to warn me that a debit card was being issued for my account, to verify that I indeed requested it. On the same day, three large cash withdrawals were made, of {$23000.00}, in a different state, in person, at a branch, and nobody at TD questioned the validity of these withdrawals, they just gave the perpetrator ( s ) my money!! How is this possible? I have been banking with TD for 8 years, my banking patterns are well established, how come these unusual transactions were not an alarm signal to TD? Where are the cameras, where are the video recordings showing how a teller at TD gave the entire content of my account to a physical person who was not me, in XXXX, when I live in Florida? This is such gross negligence! To add insult to injury, it is literally impossible to reach the so-called fraud department, they just do not answer the phone, and the supervisors have an terrible attitude. 
I need TD Bank to restore my funds immediately. That is why I keep money in the bank, so it is safe and secured, and protected from being stolen.
Consumer complaint received 2021-03-03
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. (OH)

I was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX DOB XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

WELLSFARGO MORTGAGE SHOWS MANY LATES FOR FOR MORTGAGE PAYMENTS THIS ACCOUNT WAS APPROVED FOR A MODIFICATION DURING THIS TIME AND NO LATES SHOULD HAVE BEEN REPORTED.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. I recently found out about this from the FTC site. 

I visited the Equifax site that is dealing with the breach and inserted my information to see if I was affected in the breach. 

Based on the information I provided, their records indicated that my personal information was impacted by the incident. 

The settlement includes up to {$420.00} XXXX to help people affected by the data breach. 

Knowing this, as a affected consumer, I mailed in an affidavit with an demanding compensation of {$20000.00} for actual damages sustained by me as a result of Equifax willful negligent noncompliance pursuant to 15 USC 1681 ( o ) ( a ). 

They have not responded to dispute any facts in my affidavit.
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust Bank has duplicate reports, reflecting negative history. 
XXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status. 
Mortgage hard inquiry most recent not authorized to be done.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (OH)

Received a copy of my credit report and there is an account with Southwest Credit Systems for a XXXX bill that I haven't had that service in over 7 years and this company is reporting it as though I just had an account therefore Re-ageing an old and I do mean OLD account.
Consumer complaint received 2017-02-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

A friend received about $ XXXX from a sale which was wired to his acct at SunTrust, which already exceeded XXXX. I told him to XXXX some to other banks to keep balances at each under XXXX. He went to his branch in XXXX, VA, where he was instead told the ins is up to XXXX PER ACCT, so half was XXXX into a new acct. Perhaps the person received a bonus as happened at XXXX. I told him that was false, and he returned to the branch yesterday. This time a different desk person was told what my friend had been told previously and that a friend ( me ) had said it was incorrect. That desk person went to the manager with the issue, returning to say coverage limit would be based on beneficiary designation! So this SunTrust branch and perhaps others is giving false and potentially seriously damaging info to customers either out of ignorance or for marketing goals. When I worked at a bank there were fdic brochures. Are there still? If so, staff should be required to dispense one any time a question is asked, in addition to trying to answer the question. There are indeed some fine points involving joint and IRA accts, but the broad SIMPLE headline rule is easy to understand, so the advice given by these SunTrust personnel is unforgiveable. Do something!
Consumer complaint received 2016-03-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (TX)

SLS will not provide me with online statements so that I can see where the numerous fees they attached to my mortgage payment are being applied. Initially they stated it was because my mortgage was behind ; however I have since caught it up. They continue to increase my monthly payment and with me not having access to documents online I feel I am being taken advantage of currently. Not to mention how many late fees they were able to charge me for months.
Consumer complaint received 2021-03-03
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Delta Management Associates, Inc. (FL)

In XXXX I received a collection letter stating I owed XXXX from Delta Management Associates , Inc . 
I sent them a letter disputing the loan, specifically asking for copies of all original written agreements and a breakdown of all collection amounts. They never responded at any time in XXXX, XXXX, or XXXX. I believe they are to respond with in 45 days? 

At the end of XX/XX/XXXX, I received another collection letter from them. Only this time it is obviously the same loan, broken now into ... two different loans. With two different account numbers. At first, I ripped them in half, but then it occurred to me what they were doing. I did not dispute them this time because I believe it is the same loan. 

I believe because I disputed the first letter, and they never responded to it as requested, they just deceitfully broke it down now into two different loans, with different account numbers so they can continue to try to collect it. Figuring I wouldn't bother to dispute it again a second time. Which I didn't. Since I didn't dispute the new " set '' of loans, now they can assume it as a " valid debt '' and continue to try to collect it. I believe this is certainly a deceptive practice. Number one, because it just is. I mean how many times will they not provide proof, and keep splitting the loan, or changing the account number? Number two, because they don't have proof of the original loans this is what they do? I believe it is a fraudulent method to bypass having to provide me with proof.
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (FL)

Experian is failing to report my positive credit history on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Passport for identification purposes so the bureau will investigate my complaint. ) I have contacted the bank and I was told by a representative that they do in fact report positive credit history to all three ( 3 )  bureaus. Experian is failing to their job and report this credit history. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I respectfully request that Experian report this positive payment history. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is inviolation of the FCRA Federal law, they are illegally opening anc closing and account listed on my credit report and updating the balance from XXXX to {$15000.00}. I have filed complaints with the attorneys general office and I plan to file a lawsuit if equifax does not permanently close the account listed as XXXX XXXX XXXX XXXX because it was paid in full on XX/XX/2018. I have provided proof to equifax that this account has been paid in full and they are still illegally reporting this account on my credit reports and illegally opening and closing the account.