davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

RE : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + XXXX, tax parcel # XXXX Dear Sir or Madam, I have purchased a lot at the above address in XXXX. I had planned to build a house and move there with my wife upon our retirement. However, XXXX XXXX refused to advance payments against the mortgage for the construction. XXXX bought this loan from XXXX, out of bankcruptcy. 

We had originally taken out a construction to permanent loan with the now defunct XXXX. The loan was saddled with very high fees and closing costs. Also, the interest rate was initially high at 7 %, despite my, at that time, very high credit rating. XXXX issued payments to the mortgage broker ( commissions ), the real estate agent who sold us the lot as well as an initial draw to the original contractor that was supposed to build the house. Those draws were issued against my loan with nothing in return to me, resulting in a much higher balance than if I had just bought the lot. The contractor never did any construction but pocketed the money advanced to him by XXXX. 

After XXXX went bankrupt in XXXX, XXXX Bank purchased the loan for XXXX cents on the dollar. Even though this was a construction to permanent loan, XXXX XXXX refused to pay for the construction of the house. At that point, I had already paid out several XXXX dollars out of pocket to the contractor for site preparation. So I got stuck with the sunk cost of not only XXXX of dollars in unnecessary loan costs, but also the sunk cost of the site preparation. 

Even though XXXX Bank reduced the interest on the loan, they have collected more in interest on this loan than what they had originally paid for the entire loan. Over the past 10 years, I had asked XXXX XXXX three times to reduce the outstanding principal or to take the property back ( deed in lieu ), but they had always refused. 

I am XXXX XXXX old and my wife and I only receive Social Security income and a few XXXX dollars in rental income per month. Our out of pocket medical expenses are mounting and in order to continue making payments on the above-mentioned loan, we will soon be forced to sell our home. 


Sincerely, XXXX XXXX
Consumer complaint received 2019-02-25
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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (WI)

XXXX and XXXX both were sent documents that showed I was never late on Exeter Finance and they refuse to view my documents and fix the error. The company say that they use the day they process and not the actual day they receive payments and paper work.
Consumer complaint received 2017-09-15
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 refuses to correct the information on my credit report that shows that a credit card debt is charged off when in reality this was paid in full. I have asked Equifax multiple times in 2017 to contact the creditor, XXXX XXXX XXXX in XXXX, Florida to confirm that the credit card was paid in full yet they refuse to do so.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I entered into a HAMP loan modification as of XX/XX/2016. This modification is a Tier 1 loan modification under the HAMP program, which has an incentive. The incentive is entitled the " Pay for Performance '' Incentive under the the MHA Handbook Chapter II : HAMP page 147 section 13.2.1. The provision of that section specifies a payment incentive to borrowers in the 5th year anniversary after the loan modification date, said borrower 's loan is eligible for a {$5000.00} reduction of the principle and a recast of my mortgage, as long as the loan is in good standing. I have not heard anything from Bank of America regarding their arrangements to enforce the provision of the HAMP agreement as it relates to my mortgage. * Please note - my loan was originally with Bank of America. When it went into default, it was sub-serviced by XXXX XXXX. Once the modification process was completed and entered, the loan went back into servicing with Bank of America. The loan mod was signed while being sub-serviced with XXXX
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

My mortgage is with Suntrust/Truist. In XXXX of last year, I requested forbearance and it was granted for six months ( email confirmation received XX/XX/XXXX ). After a couple of months, my father offered to pay for a bit to help me not incur penalties at the end. However, as we were approaching the sixth month of forbearance, I told him I didn't want him to keep assuming that burden. I mention this because the payments during the first six months were intentional. 

Suntrust/Truist called me in early XXXX and asked if I wanted to extend the forbearance ; at that time I hadn't made a decision and would call them back. Later that month, I called, requested, and was granted an extension of three months ( XXXX ) and received a confirmation email on XX/XX/XXXX. In XXXX, I called and requested the final three months ( XXXX ) and received a confirmation email on XX/XX/XXXX. 

When recently reviewing my bank statements preparing for taxes, I suddenly realized that Suntrust/Truist had reinstated payments in XXXX and had been drawing payments since the end of the first six months, even though my forbearance was extended ( {$2300.00} for XXXX, XXXX, XXXX, and XXXX ). Today XXXX spent close to THREE hours on hold or talking to a total of SIX different representatives, the first five who said they weren't the right department and the sixth said I had called them in XXXX and asked them to reinstate payments ( not true ). When I told her that wasn't true, explained the fallacy in that statement ( why would I reinstate automatic payments when I was requesting forbearance?! ) and asked her to prove it with the recorded phone call audio ( since they record all calls ), she put me on hold for another 15 minutes and then hung up on me.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (MO)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/ requesting the investigation, verification and update of these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XXXX XXXX XXXX and I'm including it again. The following accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00}, must be updated to reflect accurate information on my Credit File.
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (OH)

I file a complaint and I didnt receive any validation of debt. I do know they in violation of 1692c ( a ) they are a third party and I never gave them consent to contact me. Also XXXX XXXXXXXX is in violation of bill error 15 usc 1666d. Also bills and coupons are obligations of the United States pursuant to 18 usc 8. So I dont owe anything to the XXXX XXXXXXXX sent out a coupon.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (IL)

a electronic signature is not validating proof of claim, and sated before, there is no proof stating that I owe NATIONAL CREDIT SYSTEMS at all, a guy name XXXX called aggresive, over the phone and called before XXXX central time, that's harrasement please show proof or a contract stating or bearing my signature that I owe them ( national credit systems ) How can a third party collection agency not know what state I live in at all.
Consumer complaint received 2020-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts : XXXX XXXX -- XXXX XXXX -- XXXX. 
XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX  -- XXXX XXXX XXXX -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2020-11-28
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: Experian Information Solutions Inc. (TN)

Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish a account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CarMax, Inc. (AZ)

On XX/XX/2020, I applied for a vehicle with CarMax and was approved during the initial process, CarMax had contacted me on XX/XX/2020 to discuss the vehicle with me. I provided all proof they needed ( residence, income, and driver 's license ). They claimed I was approved for a loan through XXXX XXXX, which I found out through letter and by calling that they did NOT approve me for loan. At the time CarMax ran my credit for three days in a row with the same companies which kept tagging my credit score, they pulled out of the deal on Tuesday saying my proof of residence wasn't good enough and then later admitted to selling the car that was suppose to be on hold. I attempted to contact corporate with no return calls and emails completely ignored. I contacted XXXX XXXX ( the sales person ) back and she refused to respond and ignored all further contact. 

I don't feel it was right that my credit was pulled for three days in a row after being told I was approved, the creditor XXXX XXXX said that approved me actually never approved me, this is a form of yoyo financing in my eyes. Some action needs to be taken, the company doesn't even have the decency to apologize and blamed me for their mistake. I ended up getting a newer vehicle for the same price through a lender CarMax claim denied me. This is how I found that CarMax had ran my credit through the same creditor numerous times even after being told I was approved already. Not to mention that this creditor accepted my proof of address, this was a creditor that CarMax said denied me due to not having proof of address, I provided the exact same documents to the other dealer.
Consumer complaint received 2023-01-12
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 accordance with the Fair Credit Reporting Act, account # ( s ) : XXXX XXXX XXXX - XXXX {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish and account without my written instructions
Consumer complaint received 2019-11-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

My wife XXXX XXXX XXXX and myself ( XXXX XXXX ) contacted our mortgage company PHH late XXXX to get a loan modification. I explained to PHH that we were falling behind on our mortgage due to me needing a major XXXX and having to go out on temporary XXXX and I am not receiving an entire pay check. 

Since then the process has been a painstakingly slow and frustrating. On numerous occasions PHH has requested the same documents. I have spoken with at least three supervisor the last being a XXXX ( XXXX XXXX  ) on XX/XX/XXXX once again asking for the same documents. However out of everyone that I have spoken to XXXX was the most helpful. He asked me to fax over four additional documents. This process has taken so long that one of the document that XXXX had requested was sent at the beginning of the process was now out dated.On XX/XX/XXXX XXXX had spoken to me and had confirmed that everything was received. 

On XX/XX/XXXX I called back to get an update and once again I was asked for documents that were sent back in XXXX.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc. (SC)

On XX/XX/XXXX i tried to call is auto finance and get my car turned back on after they disabled it i am only 6 days late for a XXXX dollar payment all other paymebts have been made
Consumer complaint received 2017-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Is someone looking into this Data breach with Equifax?! this is absolutely mind-boggling! I have called, because quite frankly, I do not trust their website. Their employees are poorly trained and they give out wrong information. Why ca n't Consumers opt-out of outfits like this? They could ruin my chance for a promotion at work, not to mention the inability to get loans, or refinancing? Please, can you do something for us? 

ALSO, EQUIFAX IS REQUIRING ANYONE WHO SIGNS INTO THEIR WEBSITE TO CHECK TO SEE IF THEIR ACCOUNTS HAVE BEEN COMPROMISED, THEY WAIVE THEIR LEGAL RIGHTS TO PARTICIPATE IN ANY CLASS-ACTION SUIT!!
Consumer complaint received 2020-07-10
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA reported a 30-day late payment on my credit report for XX/XX/2020. I signed an Extension Agreement for XX/XX/2020 & XX/XX/2020. This late mark must be removed. 

My dispute with the credit bureaus resulted in Santander successfully deleting the late payment from my report. That's the only late mark. However, Santander took the time to add it back. 

I pay higher than the minimum. My payment history is PERFECT.  Seems as if Santander doesn't care we are in a global pandemic.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AR)

After the recent XXXX data breach, I tried to place a security freeze on my report at Experian. I was able to do so at XXXX and XXXX with sub-5-minute ease, but both the online and phone avenues at Experian proved to be dead ends, demanding documentation be mailed to the much in excess of the other two credit reporting companies. I could find no number to contact a human at Experian, and find the suggestion of contacting them by mail disingenuous, considering time may be of utmost importance in a fraud situation. A quick XXXX search reveals there are many encountering this problem. Experian needs to quickly simplify the process of online and phone credit freezes along the lines of the other two organizations.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (RI)

On XX/XX/XXXX while trying to sell an asset that was being held over the course of a day or two, I was blocked indicating trading has been disabled from my account. Subsequently a few service tickets were opened as there is no customer service. I received a few emails indicating that service volumes were high along with some generic responses. Looking back through my many emails from Binance I uncovered an ambiguous email indicating a potential charge back that may of occurred on XX/XX/XXXX in the of {$500.00}. I opened additional service requests with similar generic responses. All the while my account is fluctuating by the {$1000.00} 's. On XXXX Binance was experiencing significant technical issues including depositing money which I believe was due to volume. Nothing was communicated to me that a deposit did not go through. As of XX/XX/XXXX my trading access is still blocked, even the ability to close my positions is not an option which I believe is a terrible policy and almost unheard of in the Financial Services Industry. If they feel there is an issue with a {$500.00} deposit why would the not allow a sale of $ XXXX in assets? Going back to the email I uncovered that suggested there might be an issue it states I must supply a full statement with account numbers and shoot a video of myself holding my license. In a effort to unfreeze my account I have obliged which is disheartening as I am sending sensitive information to where I do not know. I have yet to hear a response Binance after this submission.