davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
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. (MI)

I contacted Equifax today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 9 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified Equifax of this. I asked Equifax to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Equifax is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately.
Consumer complaint received 2018-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NJ)

I got divorced in XX/XX/XXXX and went behind on 3 properties total of 3 mortgages and 1 HELOC. All 3 mortgages companies worked with me on load modifications except 1 company XXXX XXXX XXXX XXXX. They sold my HELOC to XXXX XXXX XXXX. I was working with them for quite some time and then they sold it to Selene Finance. Selene Finance has been rude, unbearable, uncooperative and they told me I am being forced into foreclosure. I need a loan modification and the investor denied because they said I was at 49 % debt to income ratio. Their home appraisal was even fraudulent. The appraisal came out $ 250k higher than the other banks I worked with. I even offered to pay the loan for principal in full and if they can remove the excessive fees they are charging. They said " no, you are going into foreclosure because you have enough equity in your home. '' The problem with that is I have XXXX children and XXXX of them are in school. How do I sell my home? Why can't they just modify the loan and do a 3 month trial period? That is correct I don't owe much on my home and I can't refinance with another lender because this loan shows outstanding for over 5 years.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Personal Cash Loans of SC, Inc. (CT)

Kinsmith Financial has repeatedly called me and texted me trying to collect a debt owed by XXXX XXXX. I have never heard of this person, and told them as much on the phone at least 3 times and by text once. Nevertheless, they have called 40 times since XXXX XXXX XXXX from the number XXXX XXXX and have texted me 6 times from XXXX. Complete list of dates is below.

Calls
- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (MA)

There is an inquiry that was placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX Mastercard, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. 

I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.
Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I purchased floors at the XXXX XXXX and got a 26 months promotional period with 0 interest. They use Synchrony Bank as their financial institution. However, soon after my purchase, they closed my account without any notice or reasonable reason since I was making payments on time. I had my account on auto debit from my bank account. Since my account was closed, I did not log into it and the payments kept on posting in my account. They sent me monthly emails with a reminder to make a payment, but never, not even once, they sent a reminder of my promotional period ending. Since it was on auto debit, I did not log in to make payments or check on the account. The promotional period ended and they charged me {$2000.00} for a {$3500.00} purchase. I called them asking to wave the interest charges and they refused to do so. Then I asked why the interest was so high since I was making payments and had only {$1500.00} left to pay. They said it was prorated charges. I asked if they took under consideration the payments that were made and the representative told me that that's how the math is done. They completely disregarded all the payments I had made. I even offered to make a payment of the full amount that was left to be paid if they could wave the interest charges and they refused to do so. Now, on top of the {$1500.00} I owed, they added {$2000.00} interest and are charging 29.9 % interest on top of it all which is about {$85.00} a month. It is abusive and they should be prohibited from operating in the US.
Consumer complaint received 2018-06-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

I recently became unemployed and also had to move to another city. Because of this hardship, I reached out to U.S. Bank for liquidation options since I was no longer living in the home and could no longer afford the payment. I was assigned to a Specialist and then to a Negotiator. The Specialist was ok at reaching out to us and communicating but I have never spoken to or received an email from the negotiator as requested. I had issued scheduling an appraisal because I now live 2 hours away from the property and I had communicated this with the appraisal company. All of the dates and times that I requested were not available so they suggested that I get a lockbox. During this time I had not received any phone calls from U.S. bank regarding my loan status. I received one phone call from a restricted number at XXXX in my time zone which I had never previously authorized and the name and phone number provided on the voicemail did not match any information previously provided to me by U.S. Bank. Other than that there had been no other phone calls to me. After I went and put the lock box on the property, I called the appraisal company to set up an appraisal time and was informed that the assignment was cancelled. U.S. Bank NEVER called me to inform me of this which I strongly believe they should have. I called U.S. bank on XX/XX/XXXX and requested to speak to a manager who confirmed that my file was closed due to not being able to do an appraisal even though I was in constant communication with the appraisal company. He advised me that I had to fill out another application and resubmit all of my information which I was very frustrated about. I asked him if any foreclosure process has begun and he stated no, and that can be prevented as long as we resubmit our docs which we did that same day. We were reassigned to the same specialist and I was able to successfully schedule an appraisal. Today XX/XX/XXXX, exactly a week later I received notification that a foreclosure has been reported on my credit report. I feel like I was mislead and lied to. I did everything I was told to do to prevent my loan from going into a foreclosure status and was assured that as long as I did those things my loan would not go into that status.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (OH)

I am writing to be included in the settlement that was litigated or being wrapped up by XXXX XXXX XXXX XXXX. I had a mortgage with XXXX and it startred to be serviced by XXXX. I had difficulty making my mortgage payments during the downturn in the economy. I struggled from XXXX XXXX. I attempted to obtain a modification a number of times during this period and that is when the transferring of the mortgage occured from XXXX to XXXX to XXXX XXXX. It was a very stressful time. I finally lost my home to foreclosure. I am including documents ( attached ). I have tried to resolve my complaint by contacting the Illinois Attorney General 's office, and I have included their " WEAK '' response to my effort in their latest letter dated XX/XX/XXXX. I therefore reach out to CFPB.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

I made a purchase of sneakers via Afterpay. I completed all of my payments, but returned the sneakers ultimately to the manufacturer. 

I was told Id receive my refund once the product had been verified returned, but the processing may take up to ten days.

Its been 19 days now, I have reached out to Afterpay consistently, with no response. I have not received my refund, and Im worried as Afterpay does not provide a XXXX number for direct communication and theyre based in XXXX. 

Horrible experience.
Consumer complaint received 2020-06-27
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: HYUNDAI CAPITAL AMERICA (MA)

I still see late payment remarks on my credit history ... I very much appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 
HYUNDAI FINC XX/XX/2019 XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Trust Financial LLC (WY)

I moved from south fork apartments in XXXX. I had given them a written notice and returned keys etc. I had also given them my new address. 

In XXXX I was notified that I was sued and my wages were going to be garnished. I had sent the collection agency a dispute letter and that responded that they did not have to respond. They were going to garnish over half of my paychecks and even tried putting a lean on a property that was not mine. I tried to go to south fork apartments to see how they could verify of my written notice and my Keys I turned in. They did not document and have no cameras so I was unable to prove my innocents. I had not renewed my lease and my lease was also over. XXXX XXXX committed fraud As a single mom I had to take out a loan because I could not afford to raise my child and have monthly payments with the collections agency garnishing over half my paycheck. I had no knowledge of next steps to take and could not afford an attorney. Both the collection agency and the rental apartments need to be brought into question of their intent and trustworthiness Also : In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

On XX/XX/XXXX I received the 2nd letter about a debt : from Resurgent Capital Services about a Pinnacle Credit Services Account # XXXX which is past the Statute of Limitations for enforcing this type of debt through the courts in Ohio have expired. 

This company has disobeyed my cease and desist order as seen in the attached as this company is a company tied to XXXX XXXX XXXX XXXX XXXX XXXX in which has the ease and desist order as per the USPS Certified Receipt listed I called Resurgent Capital Services to ask why they sent me another letter. The Associate stated they had the cease and desist order on file and could not answer any questions on the file. 

When asking why they sent me a letter again the Associate stated that he could only speak to me about the issue if I listed the account as non cease and desist. 
I advised He, his company, and any other fiduciary to cease and desist and they are in violation of that order.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (LA)

Standard Mortgage ( " Standard '' ) placed a forced " hazard '' insurance policy on my account for a total of {$110000.00} in coverage because they were unable to verify my existing coverage. Standard was subsequently provided evidence of hazard coverage my my homeowner 's association and indicated to me that the coverage was deficient by approximately {$22000.00}. I purchased a supplemental policy with {$25000.00} of coverage, however, Standard is attempting to charge my account {$430.00} for coverage from the time in which the forced policy was put in place up until the {$25000.00} supplemental policy was purchased. The {$430.00} is the prorated amount for insurance providing {$110000.00} in coverage. Since I already had a hazard policy in place, and the deficiency in coverage was less than {$22000.00}, I should not be charged a prorated coverage for more that the deficiency in coverage. This in my opinion is an unfair trade practice. Additionally, please note that Standard has clear evidence that the mail they claimed to have sent which requested insurance information was returned to their office and never was delivered to me.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

My hardship begin In XXXX, when I lost my job after 20 years at XXXX XXXX XXXX. My wife was also recovering from XXXX so she was not able to work. By losing my job with XXXX XXXX XXXX I lost my health insurance and all the medical bills were paid out of pocket while my wife was ill. 
I started a new job at The XXXX, on XXXX XXXX, 2015. I had to take a huge pay cut. At the XXXX, I had no health insurance and with the pay decrease and added expenses we were unable to pay all of our bills. This caused us to get behind on our mortgage payments. 
I was advised by US Bank to apply for a assistance and our loan has been in review for over a year now and they still denied any assistance to get our mortgage current. See the denial letter attached. The denial states they can not give me any assistance because of indemnification clause. As of today I still see no indemnification provision. I contacted US Banks and requested them to identify the document which indicates that the loan prohibit loan modifications.. I need to see if there is a conflict between the guidelines and HAMP. If there is then HAMP guidelines require servicers to make reasonable efforts to the investor restriction, which is XXXX XXXX. I also sent a complaint to XXXX XXXX and they will call me back as to why I ca n't get assistance to keep my home. 
US Bank subject borrowers to " Kafkaesque delays and obstructions for loan modification. They have a pattern when I send in applications and documents I have to send the same documents over and over again. I am in a bad place right now with my mortgage because they will not give me any assistance with my mortgage nor will they accept any payments. Therefore, with every application denied my delinquent payments increase to the point where I ca n't pay it. I am just not understanding why US Bank is doing this but I do know I will fight to keep my home and will do and have done everything I could do to keep my home. I have some equity in my home and I have enough income to keep my home. I have every intention to keep my home. 
Thank you in advance.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (VA)

I was out of the country for 2 years, before i left the country i paid all my debit and i had enough money in my checking account just in case i forgot to pay some financial obligations, when i came back to the US i found out that TD credit card company is asking me to pay {$400.00} i asked then to show me the details about the charges but they fail to do so, then i found out that they transferred the debit to a collection agency
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: GETM INCORPORATED (NV)

I have never received anything from them? This was XX/XX/XXXX til XX/XX/XXXX, but some how still " open '' on my credit report I ca n't get ahold of them to pay or settle ... I have no account number or anything ...
Consumer complaint received 2022-04-01
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. (FL)

IN ACCORDANCE WITH THE FCRA CXXXX XXXX  INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

I got a letter that on XX/XX/XXXX, the company I hired ( XXXX XXXX XXXX ) was able to negociate a settlement with an account that was delinquent ( Best Buy/Citi account in a 9 payments of {$100.00}, which came to its completion on XX/XX/XXXX. 
But these people XXXX XXXX XXXX, wants to continue to collect and retain the bad remark on my credit reports all across, I tried calling them, but they claimed they can only talk to the people that represent me ( XXXX XXXX XXXX ) and I said they no longer work for me, I sent XXXX a letter in writing my dislodging with XXXX a month and a half ago, but they still avoid me, I just want them to recognize the account was paid in full for the settlement and remove those bad remarks from my credit reports.
Consumer complaint received 2019-05-14
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: Experian Information Solutions Inc. (VA)

I found the XXXX of XXXX on my credit report. This is not mine. It might be my dad 's who has the same name but different middle initial. It lists me as an authorized user, which I am not and never have been. I called them to ask them to take it off my credit report. They pulled me up in their system by my social and said that I did not have any cards with them, they said that they could not help me I had to go through the dispute process and mail in to see if they could find it and take it off. They are unwilling to take it off my credit report even though they tell me that I do not have a card with them.
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (LA)

NCB Mangement Services Inc. at XXXX XXXX XXXX XXXX-XXXX, PA XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported past due. I do not know this company. I have not done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Per the FDCPA, debt collectors are not allowed to leave two voicemail messages on the same number on the same day. OneMain called my cell phone number at XXXX CST and XXXX CST. On each call, a voicemail was left. This is a direct violation of the FDCPA.
Consumer complaint received 2018-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2018 I called Transunion and XXXX. I spoke with rude customer service agents after I was on hold for hours. The customer service agents denied me the right to dispute items on my credit report even though the items are incorrect. Transunion and XXXX refused to let me dispute false information on my credit report. They act like they are working with the companies against my best interests. Transunion's/XXXX XXXX debt verification process is flawed and outdated.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Social Security number : XXXX Date of birth : { XX/XX/XXXX } Equifax XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, Please provide evidence the following accounts belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. 

XXXX XXXX XXXX Accounts # XXXX # XXXX # XXXX # XXXX My report or confirmation number ( XXXX ). 


XXXX XXXX
Consumer complaint received 2024-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (NY)

I received a call last Wednesday XXXX XXXX XXXX XXXX XXXX. Understandably as it was the middle of the work day, I was unable to pick up the call. 

Once again, I was locked out of my account. I was previously locked out on XX/XX/2024 and had to lodge a complaint on multiple platforms ( including aa CFPB complaint ) to regain access. 

I have since called Marcus twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and they have yet again been unable to verify my identity, this time citing that my mobile number is not tied to my identity. This is ridiculous and virtually impossible since when my account was locked previously, they were eventually able to verify my identity with a pin sent to my mobile. 

Would be grateful for assistance. 

It is extremely distressing that I have gotten locked out in a span of two weeks.