davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

I've requested to the company to provide me information as to what Remarks they added and removed to my accounts also not being told what remarks are bring added or removed. XXXX isn't showing my 3 credit cards only 2 and I can not get any reason from any of the institutions as to why they have taken my score from XXXX and now dropped it to a XXXX!
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Freedom Mortgage failed to pay City of XXXX taxes semi payments in XXXX and XXXX resulting in the County putting the property in tax sale. They knew about the situation for 9 months and did nothing. I had plenty of funds in my escrow account and pay my mortgage on time every month. I have spent hours upon hours on the phone with them trying to get this resolved. They paid the attorney fees to get the release on the tax sale. They then paid the County taxes. I was told I was not responsible for attorney fees, penalties or other fees associated with their mistake. I then received a letter that my mortgage was going up {$600.00} per month because of an escrow analysis. The analysis included the penalties and fees Freedom was responsible for because of their negligence. I was then told incorrect information regarding the fees by multiple customer service reps. Every time I call I have to sit on the phone for hours to explain the situation and hope I get a rep that sort of understands. I then am told it will be researched and someone will get back to me in 14 days, which never happens.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (FL)

GOLDMAN SACHS AND CO Balance {$7200.00} Balance updated XXXX XXXX, 2023 I closed this account years ago and it was fraudulently changed to another person It was a GM card and I was never given any notice of the change.
Consumer complaint received 2016-05-09
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Collections Inc (MS)

a ) they never sent us any letter with their name, address and account number. They insisted on calling me at work.XXXX for a living thats totally unreasonable. I asked them to talk to my wife because she is home during the day. They threatened garnishment even though garnishment is XXXX dollars and I only owe $ XXXX.I told them I can not pay the whole amount and needed a payment plan and she said she wanted my debit card number. This was without telling me who she even was and with no way to keep them from taking the whole amount. I said no I 'll send a check for what I can afford. She said she had to have the whole amount. Whenj I said I couldnt afford the whole amount she said I was being rude and hung up.She continues to call me while I am at work XXXX.
Consumer complaint received 2015-09-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (CA)

My mortgage for my rental home was sold by XXXX Mortgage to United Security Financial in XXXX of this year ( 2015 ). We are in the military and had recently moved to another duty station. Unfortunately, I had n't updated my address on their website and missed that notification. I was not notified by email or through the secure messaging system on their website. 

I kept sending my loan payments to XXXX each month on an auto bill-pay. They sent the first XXXX payments to the new company, but stopped at that point and instead starded sending them to the address they had on file ... for 3 months after that. My bank has a widget on their website that tells me my credit score, and I wondered why it was dropping. I previously had excellent credit ( XXXX ) and it was tanking ( now XXXX ). We received a phone call from the new company requesting our updated information but I did n't feel comfortable sending my personal info without checking with the company with which I was in business. 

I got onto the XXXX website and saw that my last received loan payment was 7 months ago. I sent a secure message on XXXX 's website stating that I did n't know this had happened and asked them to verify that this had taken place. I provided my updated contact info and reminded them that they had my email and could have contacted me in other ways. A few days later I received XXXX checks refunded from XXXX from the XXXX latest months ( but nothing from the XXXX checks sent to my old address ) and a response stating that the sell-off had taken place. I had been paying my mortgage to XXXX for 7 months after it was sold unaware of the problems developing. 

I called the new company to make it right and was told I needed to pay the entire balance owed before I could continue to pay my monthly payments. They had already begun consulting with foreclosure attorneys and also fined me {$310.00} for those services, which they also required me to pay at that point to prevent further losses. I payed the overdue amount from my savings, along with the attorneys fees. 

Today, XXXX XXXX 2015, I 've received a letter from United Security Financial stating that my XXXX XXXX, 2015 payment is overdue and now I owe them {$77.00} in late fees. My payment that is due in the future is overdue?! 

I have emailed XXXX to request the XXXX lost checks be re-sent to my new address and that the money I was charged in attorney 's fees be refunded and am now awaiting their response. 

I 've realized why my credit score was tanking : An incorrect address and a company that did n't care enough to contact me through other means at their disposal. All the while I was paying them monthly, on time and in full. They have insulted my character, and have cost me money.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (GA)

Trident Asset Management is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (AL)

Monthly mortgage payment was increased by {$17.00} so called United Security Financial to ensure they got the difference. Representative said she could take the payment over the phone and would waive the {$9.00} fee. ( yes 9 dollars ). Contacted USF several times in the past 2 months on this issue and still not refunded.
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Debt Recovery Solutions, LLC (WI)

This was a debt incurred by my ex wife. She used my name to secure this credit. I have other debts she created including her divorce attorney debt that I got stuck with. I am just trying to rebuild by life and credit.
Consumer complaint received 2015-12-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc. (CA)

This is not my Medical Account Debt. This was under my Dad 's medical insurance, and his Social Security #. Even though I was just XXXX on the day of service. My Dad 's Medical Insurance explained to me it was unlawful to use my Social Security # for Collections, because the medical clinic does not have my Social Security #. How and Why did the Collection agency have it and used it on my Consumer Credit Report? Same Medical Collection Amount did show on my Dad 's report and was paid in full.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

At the end of XXXX I tried to log in to my Coinbase account which I have had for a couple of years. I was able to log in but when I attempted to make a transaction a message appeared saying " your account is being reviewed and you are unable to process transactions at this time ''. I contacted customer support and it appears that Coinbase had sent me an email requesting updated information and I did not respond. I'm not surprised I did not respond because I get phishing scheme emails weekly and many times they will use the Coinbase logo trying to get personal information. I went through their process and verified my identity and also sent them requested financial information. My account stayed locked and I contacted them again. Customer support said there was nothing they could do because my case had been turned over to their compliance team and they would need to be the ones to un-lock my account. I have XXXX case numbers for youXXXX and XXXX. The fist case number was my original case number and the second is my complaint case number. It has been weeks and I am still locked out of my account. I have emailed and called on multiple occasions and I only get automated responses. I have ask to speak to upper management and they refuse. I have asked for their legal council contact and I get no response. At one point I received and email stating my complaint was resolve and closed ( see attachment ). I understand now why XXXX trading companies need XXXX government regulation. On top of this ... during this " lock-out '' time someone has changed my password on more than XXXX occasion and I did not receive notification. I was able to re-set my password and re-verified my identity twice. My funds were fine but I was still locked out from making any transactions. I am concerned that someone inside of Coinbase may be trying to manipulate my account and I am unable to transfer my funds out of Coinbase. Coinbase support will not let me speak to anyone other than the support group and the support grout says they can not do anything because the compliance group has the hold on my account. They tell me that the compliance group does not speak to anyone over the phone. As far as I know Coinbase may be using my funds for other purposes and that is why they will not allow me access to transfer my funds. In the beginning I was going to just trade some funds but continue to keep them in my Coinbase account. At this point I want to transfer all of my funds out of Coinbase and be done with them. This type of un-professional and un-ethical way of doing business must stop in the XXXX and I will help you anyway I can to expose their actions. I plan to speak to my congressman after this is resolved to see if he wishes to use my story as testimony as to the way this company conducts business.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We started a refinance process earlier XXXX with Citizens Bank in XXXX, PA. Prior to engaging with them, we were warned by another lender that Citizens is known for conservative appraisal values. We ultimately went with Citizens, paid {$500.00} for an appraisal, and the resulting value was {$5000.00} less than our neighbor 's home - which is identical to ours. Not only did the appraisal take way too long to create ( XXXX weeks! ) the appraiser intentionally left off high-valued homes in our neighborhood and included a low-ball appraisal from a community XXXX miles away. We challenged the accuracy of the appraisal, and provided additional comps from our neighborhood. The appraiser rejected all of the comps we provided for various reasons but did not make any attempt to adjust for our home value including these comps. Citizens bank hid behind reform laws and now we are stuck with what we believe to be an inaccurate appraisal, have lost XXXX months of time going back-and-forth with the bank & appraisal company. 

I believe that Citizens ' bank is using appraisers that devalue properties so that people will have to borrow more money than the bank otherwise wants to lend, and as a consumer we have no choice but to use their appraiser! 

With the internet today, we have the ability to read reviews on restaurants, contractors, mechanics, dog walkers, stores, and anytime that we are paying money for goods or services. In this case, we had an appraisal selected for us XXXX and they were awful to work with! ) and we have no say in the matter.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DigniFi (NV)

The account was opened fraudulent. Only reason I had knowledge of it is because it started reporting to my credit reports at the time of me trying to buy a house. I was getting denied because there were high limit credit cards opened in my name but not authorized by me! Fast forwardpaid the account of request it be closed due to fraud and the account was never closed at my request. Fees started to incur and the account was allowed to be negative for 3 months after my request. Incurring 3 months of late fees and bad credit reporting
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (TX)

I received a call from a woman named XXXX XXXX in regards to a fraudulent check I supposedly deposited into an old bank account XXXX XXXX XXXX. She claims to call from XXXX XXXX  XXXX XXXX XXXX  XXXX. She claims that I was approved for a loan with XXXX XXXX XXXX and that theyre holding me criminally liable for depositing this check. She has contacted my employer and repeatedly called my phone. Things have now escalated to the point where weve been going back and forward through text messages. She referenced the car I drive as a threat, and stated that I could serve 10 years in prison. When I contacted the three entities that shes referencing-XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX National Credit Adjusters they stated that they do not work with any such law firm. XXXX XXXX also provided me with an email confirmation indicating that this is fraudulent. Miss XXXX repeatedly threatened me with imprisonment and legal action and used my personal information to make her claims sound legitimate. She has my full social security number she also has my license number and Im afraid that identity has been compromised. I have text message proof of our exchanges, she also sent me a picture of her computer screen to prove, shes not contacting me off of her personal cell. I also have a saved voicemail she was initially calling to speak with my boyfriend because supposedly has his name tied to a case. She later stated that she was only trying to get in touch with me. I understand that these matters should be ignored off the basis that she has no real claims and that this is a scam, but Im very concerned about her having my personal information. She has been messaging me since last week. Her phone number has already been reported to XXXX  XXXX XXXX XXXXXXXX XXXX XXXX. When she contacts my employer she calls from a XXXX area code I have the exchanges between my employer and myself after searching that number they found reports of it being a scam on XXXX also. Fortunately theyre aware but this is turning into harassment. Miss XXXX claims that they will proceed with criminal charges and her last message to me was that she will continue to call my employer.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TX)

On XX/XX/2022. My checking account was hacked of the amount of {$400.00}. I received an email and text messaging letting me know that I had a XXXX transaction to some guy I have never heard of. I contacted the bank and they put in a claim. They closed the claim and said I did the transaction. I disputed the claim again and this time I reported them to the XXXX and to the Ethics committee of their bank. Their XXXX XXXX XXXX XXXX XXXX XXXX has found that my Citibank account was frauded and hacked. He sent over his investigation stating that my bank account was hacked and my money should be returned. Citibank refuses to return my money.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (IL)

I have been trying to rectify the account with this company XXXX XXXX. I have filed several complaints in regards to receiving information pertaining to this account to no avail. Then company, XXXX XXXX has refused to provide any information about the account. I don't know if it is mine, I don't know what the debt is for and when contacting the company, they refuse to provide any details. Per the Fair and Accurate Credit Transaction Act, they should be providing verification of said account via documentation or remove the account from my credit profile.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

I was asking for Loan Modification a nd Wellsfargos Mortgage Servicer was always sending me Pay off Qoute. The Loan I originated from t hem since  XXXX   XXXX ,   XXXX   was {$140000.00}. From that date up to present is 149 months, multiple by {$1100.00} every month that I paid them for mortgage every month. I paid the bank so when multiple by 149 months ; I already paid them {$170.00},  XXXX   XXXX  dollars all in all up to this date . Wellsfargos pay  off valid through  XXXX   XXXX  have invalid descriptions such as  Suspense Credit of {$2400.00}, Escrow Advance of {$6300.00}, these are not valid expenses. In each Descriptions one by one and the total of amount due is {$130000.00} they want me to pay in total based Wellsfargos claim. Their Pay off Quote should be corrected in the right way. Wellsfargo is doing business with their mortgagor like me faulty and unlawful. I want Wellsfargo remove descriptions  that are not legal. They are obliging added invalid fees for me to pay them more that are not lawful.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I do n't owe any money to XXXX XXXX XXXX 2014 paid for less than full Balance XXXX. this information is not accrete please take this out from my Credit Score ASAP Thanks
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CLGF Holdco 1, LLC (FL)

started receiving calls approximately a week ago from a company Called the XXXX XXXX located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (CA)

this debt was disputed and not validated XX/XX/2016 -- while it was at sunrise collection it was reported on this site case # Case number : XXXX ] sunrise could not validate the debt and ceased collecting ... it seems as if they have now sold this same debt to XXXX XXXX XXXX -sw ref # XXXX -- XXXX XXXX i told them that this debt had already been disputed and never validated from the last collection agency -- - i asked them to provide the contract for this debt -- they say they have a bill ... a bill is not proof that this debt was incurred ... the fact that sunrise collections sold this to another credit agency, knowing it was not valid- is illegal.. and for XXXX to keep collecting on this invalidated debt- a violation of the law ...
Consumer complaint received 2020-10-19
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. (TX)

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

I had requested the consumer financial bureau to assist me with a credit card account in  XXXX     2015, m y complaint #  XXXX  which I had not used in 2 years. The bureau did a great job in removing fraudulent charges and the credit card company was suppose to close the account. I am now receiving statements fro m Barclay Card. The y also mailed me a check for {$94.00} which I did not cash because they do not owe me any money. I want any account affiliated with me  and Barclay Card clos ed. I have spent countless hours trying to do this on my own.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (PA)

I disputed negative accounts and inquiries through all XXXX credit bureaus and the information still remains on my credit report. I even submitted my police report and affidavit showing that I am a victim of identity theft and the negative information was still not removed.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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 a account without my written instructions.