davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (IL)

We were in the process of selling our home and needed a payoff from XXXX to gear if it was feasible to be able to sell our home. I contacted XXXX in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted XXXX for additional information. XXXX was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and XXXX never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to XXXX and the modification was no longer disclosed by XXXX in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by XXXX and there complete lack of service. XXXX responded and put the blame on XXXX. Now we are going back and forth who is responsible for servicing, and how do I know if this loan was paid off. The account that you are referring to within the complaint was not serviced by XXXX but was a Subordinate Note ( Partial Claim ) that originated on XX/XX/XXXX, with your prior loan servicer ( XXXX XXXX XXXX  ) in the amount of {$18000.00} ( see enclosed copy ). The documentation identifies that Housing and Urban Development ( HUD ) was the lender and payment shall be made to HUD or any such place the lender may designate, which was not XXXX. Our records reflect that the account XXXX is servicing was originated on XX/XX/XXXX, with XXXX XXXX XXXX in the amount of {$260000.00}. XXXX does not have any documentation that a payoff was requested in XX/XX/XXXX as asserted within the complaint. On XX/XX/XXXX, XXXX received your request for a payoff on the above referenced account. XXXX provided you a payoff on XX/XX/XXXX, for the loan were servicing, identifying {$220000.00} was due to satisfy the loan. As XXXX was not servicing the Subordinate Note we would not be the entity that would provide you directions to pay it off. On XX/XX/XXXX, XXXX received the payoff on the account we serviced and on XX/XX/XXXX a notice that the account was paid in full was sent to you. If you have any further questions, you may contact XXXX Customer Service Department toll-free at XXXX, Monday - Friday XXXX XXXX to XXXX XXXX., and Saturday XXXX XXXX to XXXX XXXX. CT
Consumer complaint received 2016-10-05
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Zenith Financial Network Inc (CA)

Every day a ZFN and Associates call my previous work number demanding to speak with me regarding a legal matter. They call from a local number XXXX XXXX XXXX even though they are based out of florida. They do not speak with me and disclose info to an employee at my previous employer
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have been a consumer of 53rd bank for my auto loan. When I was impacted due to Hurricane Irma, they provided me with a deferment until XX/XX/XXXX which I am appreciative of. Starting in XX/XX/XXXX, I made consistent payments up until XX/XX/XXXX, because I had a XXXX in XX/XX/XXXX and was out on XXXX XXXX, so I did not have any income at the time. I spoke with them XX/XX/XXXX requesting a temporary deferment until XX/XX/XXXX payment as I would be returning to work starting XX/XX/XXXX. They stated that they could not do that because I did not have 90 days of consistent payments, which was false. 

Since the past due payment from XX/XX/XXXX, they have called me every single day. I spoke with two different reps and advised them of my situation. Today I spoke with a gentleman who stated that I owe XXXX, which is also false. He was clearly bullying me in to paying more than what was actually owed. I was only behind one payment of XXXX, but he was adding XX/XX/XXXX payment in to that total which is unfair. He also stated that he had the ability to call me 4 times a day, which is clearly harrasment. As a woman who just had a baby, they had absolutely no regard for any potential post partum issues I could be experiencing. I have never missed a payment with them before ever, and after one missed payment, I am harassed? 

I then spoke with a woman named XXXX, when talking to her I asked her to review my history for XX/XX/XXXX and XX/XX/XXXX and she said " that's not what I am here to do '' she refused to help me and was more concerned about arguing with me. I requested to speak with her supervisor XXXX and he would not get on the line either. 

I was simply asking for a deferment for XX/XX/XXXX or XX/XX/XXXX just to help and I was spoken to disrespectfully, I was harassed, and still provided with no resolve despite my consistency with them.
Consumer complaint received 2017-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

On XXXX XXXX XXXX I discovered Enhanced Recovery Corp ( XXXX XXXX ) had been re-inserted into my credit file. I 'm aware that the credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item, I did not receive any such notification. This item should be delete immediately.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to formally report a case of credit card fraud that I discovered involving Bank of America. Although I regretfully acknowledge that I reported the fraud later than desired, I believe certain circumstances warrant consideration. 

I am a victim of identity theft as well as being a very business owner with multiple credit card relationships. I also would like to add that I have XXXX personal credit score and never had a credit blemish. I also have the highest status of banking with Bank of America and have been a great customer. Cards were stolen from my card wallet and I didn't realize until after quite some time and because of the high limits and my account balance and online banking not all being synced it went unnoticed by my accountant. When I identified these charges i Immediately disputed the charges. Then every dispute takes 90 days and every time i had to wait on a dispute, less charges were able to be seen by the phone rep. There was not inbound department to handle this much fraud so i was constantly bounced around. This is why I'm reaching out. I tried to resolve it with the merchants but I can't resolve it because I can't get information on an account I didn't create to authenticate the charges. All I can do is prove they were done on my card. Literally every transaction they investigated has been deemed fraud and that i didn't do it and it's been adjusted on my account from my previous disputes about this same matter except the charges from past in 2021 the representatives can't see anymore. Attached are all charges between XXXX 2021 that have occurred that have not been addressed. Merchants that fraud came from are ALL charges from XXXX, XXXX, XXXX XXXX Credit Card. 

I understand the importance of reporting such incidents promptly, and I sincerely regret any delay in bringing this matter to your attention. However, I would like to draw your attention to FCRA Laws : Section 605B - Blocks on Information Resulting from Identity Theft Section 611 - Procedure in Case of Disputed Accuracy Section 613 - Public Record Information for Employment Purposes I appreciate your time and attention to this matter. I am more than willing to provide any additional documentation or information to support the investigation. Thank you for your assistance in resolving this issue and protecting consumers from fraudulent activities. 

Cards involved ending in XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC (IL)

I have called on multiple occasions to verify the account is closed. I have been told it was processed and received an email stating this. The company XXXX XXXX opened a loan in my name that was funded with over XXXX  and I NEVER moved forward with the project. They did NOTHING to my home and I never met with them after the first sales appointment. I contacted XXXX XXXX  MULTIPLE times and was told I had to speak directly with the sales person who placed the order in order to have it closed. I texted, called, left voicemails to no avail. He refused to call me back. I called XXXXXXXX XXXX XXXXXXXX who funded the loan and they said the only way I could cancel the loan is to have XXXX XXXX cancel it. They refused to help as did XXXX XXXX. In the meantime, my credit tanked XXXX points and shows a balance of XXXX  as owed by me. I have spent hours contacting both of these companies and neither will process the cancellation. I believe this is FRAUD.
Consumer complaint received 2017-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. The 5 inquires are XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-30
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. (GA)

i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with Experian and XXXX. Experian is still looking into it at the time. However, XXXX  refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for XXXX
Consumer complaint received 2019-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

My Citibank savings account package was changed without my consent, resulting in a monthly service fee which clued me to this incident. 

( 1 ) I have been a customer of Citibank for over a decade, and have always maintained a " Basic Banking '' account package, which charges no fees if the joint accounts have {$1500.00}. 

( 2 ) On XX/XX/2019, I was charged for the first time a {$25.00} monthly service fee to my savings account when my account balance was over {$1500.00}. 

( 3 ) On XX/XX/2019, I contacted two Citibank representatives through the Live Chat system to inquire about this fee. I was told by both of them that I was charged because I had a " Citibank Account '' package, which charges the monthly fee if there is < {$10000.00} in the joint accounts. Neither Citibank representative was able to tell me when the change was made to my account. However, they refunded the monthly service fee and changed my account back to its original, intended " Basic Banking '' package. 

( 4 ) In conclusion, this change in my account was done without my consent. I have always chosen the " Basic Banking '' package, and did not request for a different package. I was told that this could have been an automatic change accidentally by " the system. '' I am highly concerned that this is not an isolated accident, but rather, the tip of the iceberg of account fraud, similar to what was revealed at XXXX XXXX.
Consumer complaint received 2016-11-02
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Kinum, Inc., Indianapolis, IN Branch (UT)

He called me at my work. I told him I am not able to take these phone calls at work. 
I told him my work hours and he can call me on my cell phone, before or after those hours. 
He has now contacted me again, at my work, as well as calling my personal cell during my work hours he was provided with. 
He continues to be rude, and very ignorant about working with me, even after I ask set up payments with him.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IN)

In XXXX, I was approved for a XXXX XXXX XXXX XXXX XXXX and gladly accepted. I was told by the store associates that I would receive a coupon magazine and my card within the month. It is now XXXX and Ive yet to receive my credit card from them. I made a late payment on XXXX XXXX, XXXX, and was told by the customer service representative that my card would be in the mail. Sometime in XXXX, I made a purchase in the store and the clerk was able to use my social security number to process my payment through the credit card company. I informed her Id never received my card so she called customer service. They, again, said my new card and vouchers would be sent out and I should receive it by the end of XXXX. I have not received my credit card, attempted multiple times to contact them so my card could be sent, and each time Ive been told it will arrive. It never does. On the card includes a number to call to make a payment. Since I dont have that number, Im forced to wait until my bill comes in the mail and interest has accrued even though I want to pay it off before then. Oddly enough, they have the correct email, phone number, and address since I do get a bill, but they cant seem to send me my credit card.
Consumer complaint received 2017-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC (TN)

I have contacted this company on numerous occasion about this problem!! I am not responsible for this collection account! This account was open fraudulently with my personal information and identification. I 've sent in the police report and affidavits that they requested!! This same account was with another collection company and it was removed from my credit!! And now this account is back on my credit with different collection agency!!
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX  The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2017-10-01
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 — Their investigation did not fix an error on your report
Company: Trident Asset Management, L.L.C. (MS)

I have a collection account on my three ( 3 ) credit files from a collection agency named Trident Asset Management, LLC.  Please be advised that I am disputing this collection due to the fact Trident Asset Management, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX ) does not have a valid license nor a certificate of authority in Mississippi to collect on debts. This information is stating that their license is currently nonexistent according to https : XXXX. Furthermore, this company never contacted me about this account but just placed the account on my credit reports without verifying if the information is true or if the item is mine or not. In reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), validation letters were sent to XXXX,  XXXX, and XXXX on XXXX XXXX, XXXX. The account was deleted from XXXX ; however, no proof was provided to me by XXXX nor XXXX as of the date of this letter and it continues to remain on both reports.
Consumer complaint received 2020-04-30
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2021-08-07
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: CITIZENS FINANCIAL GROUP, INC. (NV)

Citizens bank has failed to remove my loan from forbearance on each of my credit reports after I left Forbearance XX/XX/2021. I am current with my loan and Citizens has not updated my loan with each credit bureau.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is refusing to resolve incorrect payment information. I filed Ch XXXX and an account incorrect continued to report late payments. Experian INITIALLY fixed the problem, then months later reinserted the wrong information. In fact, their 'before and after ' image clearly shows this. 

None of these accounts had late payments, I had an automatic stay put in place. I have disputed the information but they still produced incorrect information. I have tried, many times, to have experian fix it only for them to MAKE IT WORSE and add additional late days.
Consumer complaint received 2019-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I just received a notification alert via XXXX that a medical bill is in Collection status, and I now have a derogatory mark on my credit report. I have not received any type of invoice or email concerning the bill, as I believe I paid all medical bills in full. 


Amount : {$120.00} Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDCOUNTRY FINANCIAL CORP (IN)

I have filed bankruptcy and XXXX XXXX XXXX is showing that I have 4 accounts on my credit when one was paid off, but it showing account closed due to refinance. Date open XX/XX/XXXX balanceXXXX, XX/XX/XXXX balance of XXXX, XX/XX/XXXX balance of XXXX, and XX/XX/XXXX balance of XXXX. Now I 'm seeing this company on my credit multiple times when only one of the account I went into default and then I filed bankruptcy.