davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Hi, My name is XXXX XXXX and have been a customer at XXXX XXXX for the past couple of years. Last XXXX, few of my pay checks were stolen from my car. I had, however, deposited all these through remote deposit option via my cell phone. The concerned pay check in discussion is check Number XXXX, CITI BANK for the period XXXX to XXXX which was made by my former employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I made the check deposit using remote option on XXXX via my cell phone. 

In the month of XX/XX/2019, I found that {$1800.00} had been cut from my XXXX XXXX account. After inquiring with XXXX XXXX officials, I learnt that the above mentioned pay check XXXX was submitted at a Citi Bank branch on XXXX. I tried to speak to Citi Bank officials but they said they could not do anything since I was not their customer. I testify here, as I repeatedly told both XXXX and Citi bank, that I never used or made use of any other party to submit the pay check at Citi Bank. 

I called and met in person with XXXX XXXX officials, but my pleas fell to deaf ears. The bank manager nor the customer care helpline were of any use. I consider myself to have been cheated by theft. One,  Citi bank issued the money to the impostor without verifying an ID, because all my ID cards are safe with me. Citi bank took money from XXXX XXXX .Second, XXXX XXXX cut money from my account without informing me or even bothering to ask me the case at hand. I feel unsafe about my money and consider this a deep threat to the very foundations of our great nation. 

I appeal to the bank CITI BANK ; XXXX XXXX officials to resolve this matter at the earliest. Failing this, I will have to go to higher authorities. It is no longer about the amount of the money anymore, but about self integrity and living peacefully thinking that our money is safe in the countrys banks. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

An offer was submitted for review on a system called XXXX ( very bad and difficult system to navigate ) and the lender informed my authorized 3rd party that they needed to have the Property released from my Bankruptcy. once it was released they asked to submit a new offer and voided the previous offer. I called this morning and asked to speak with someone who then informed me that they required 37 days to review and that the schedule sale date was too close and they would cancel the new increased offer which would have been submitted today. They also said that Bankruptcy should n't be used as a tool to stop the sale. Which i think is a matter of personal opinion as i will fight to keep my credit and avoid a foreclosure altogether.
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nevada Credico, Inc. (NV)

I clearly indicated the debt was not mine and that I needed copies of the documentation to file the necessary police reports. I believe I am a victim of identity theft and wanted the evidence to provide to the police department. The collection agency refused to have the company that provided them the claim contact me, dispute the claim and remove it from my credit report.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

We have a mortgage with Ocwen. They sent a letter stating there would be an escrow shortage of XXXX which I paid to keep my monthly payment the same as it always has been. I got a phone call today saying that my payment would be going up even though I paid the escrow shortage. The customer rep said it was due to increases in insurance and taxes but is n't this covered when they did the escrow analysis and made me pay over {$1000.00} to keep my payments the same. When I asked this they said the monthly payment would increase no matter what I did or if I had paid more. Never with any other mortgage servicing company have I had such problems. A yearly escrow analysis is done and if you pay the shortage your payment remains the same. What kind of " cushion '', as they call it are they allowed to keep of my money and STILL RAISE MY MONTHLY PAYMENT.
Consumer complaint received 2016-02-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Element Global Services (CT)

The company is continually calling my XXXXyr Olds cell phone, left a threatening vm that they were going to sue him. I 've called them 3x in regards to this matter stating they have the wrong phone number, and they said it was removed from their files not even asking my name, the number or anything. They are constantly calling and wo n't leave a voicemail. I just want the calls to stop!
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

I received a notice to vacate from Attorney XXXX XXXX XXXX stating that the owner XXXX XXXX XXXX XXXX XXXX is seeking to recover possession of the property. After contacting XXXX Bank, I received an email ( attached ) stating that XXXX owned the property that XXXX Bank is the trustee not the owner, but after research XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that the property was Service Released to Ocwen and XXXX Bank is still the Trustee not the owner. Attorney XXXX, under the motion filed in court by Another law Firm states that the property was sold to XXXX Bank by XXXX on XXXX XXXX, 2014. I never receive the addition information that XXXX Bank stated that i should have received by Ocwen as the transfer of the property to Ocwen. I called Ocwen and was told that the social security number listed on the loan number did n't match the property address at XXXX XXXX XXXX XXXX XXXX, LA XXXX. The loan number given to me by XXXX Bank # XXXX, and that Ocwen was responsible for the proceeding. The attorney filed that he was representing XXXX Bank as the owner. In court the attorney that gets the motion signed is working at the XXXX where we are to report fraud in Louisiana and he and other attorneys are committing fraud for these bank.
Consumer complaint received 2015-08-26
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Onity Group Inc. (FL)

I filed a TILA complaint in Fl. state court in XX/XX/XXXX. 
Case XXXX in the Fl. XXXX Circuit. 
GMAC [ non lender or creditor responded without evidence to do so. 
Attached is what OCWEN is trying to do AFTER the XX/XX/XXXX Consent Order.I have tried to get someone from your office to do an XXXX XXXX. XXXX XXXXXXXXXXXX
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

I received a letter from MOHELA on XX/XX/XXXX stating my account was in forbearance through XX/XX/XXXX. On XX/XX/XXXX I received a billing statement with a payment due date of XX/XX/XXXX for the amount of XXXX XXXX 

I called MOHELA on XX/XX/XXXX as I noted my account stated I was overdue. I spoke with XXXX. She was awful. She did not look into what I was asking about but she did advise me TWICE that since my account was overdue all information from this call would be sent to debt collectors. 

I asked to speak with a supervisor and was denied. After over an hour of being put on hold over and over so XXXX could research my account I was eventually transferred to a line to leave a message requesting a return call. 

I paid the amount due online out of fear of being reported to a credit agency, A supervisor named XXXX called me the next day and was hostile from the beginning because I would not provide my social security number to him. I did provide my account number. 

XXXX did not assist me with this issue or with the issue regarding my account reflecting that my XX/XX/XXXX was listed as mot eligible for PSLF due to being in forbearance. 

My financial well being is at the mercy of a company that is not equipped to do what they are tasked with doing. Between the hostility and the long wait times and the tactic of being put on hold over and over this is causing so much stress and anxiety.
Consumer complaint received 2023-03-22
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. (GA)

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Bureau (Closed) (CA)

Provider Recovery Network has contacted me to collect an outstanding debt for about {$11000.00}. On Friday XXXX XXXX, after repeated negotiations, they called and agreed to settle for {$5.00}. However, they are refusing to put their offer in writing. I have pleaded with them several times to no effect. They seem to be very adamant about their position, and refuse to explain their reasoning. Repeatedly I am being told that they can only offer a receipt for the {$5500.00} after the money is received. My fear is that they are being deceptive and will demand more money after receiving the settlement amount. 

In addition, it appears that they are in violation of the law. According to US Code, Title 15, Chapter 41, Subchapter V, 1692e : '' A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representations of:2 ( a ) The character, amount, or legal status of any debt. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

It is my understanding that by not committing to their settlement offer in written form, they are clearly misleading me and have a false and deceptive representation of my debt. Verbally they are saying I owe {$5500.00} ; however, the actual statement is over {$11000.00}. Again, my fear is that after receiving the initial settlement offer of {$5500.00} they will use this money as leverage and will demand more.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Transunion, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts ; XXXX XXXX  XXXX XXXX  account number XXXX XXXX  XXXX XXXX account number XXXX XXXX  XXXX  XXXX  account number XXXX XXXX XXXX  Account number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX  XXXX  account XXXX with opened date XX/XX/XXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802XXXX Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

To whom It May Concern : I am writing to express deep frustration and lack of communication on behalf US Bank regarding a hold or freeze on all my accounts. The bank never communicated this hold to me so I did not learn of it until Sat. XX/XX/XXXX when I went to use my debit card and it would not go through. Since then I have made several phone calls to the bank, both nationally and locally in attempts to figure out what is going on. Every banker tells me I can only speak with the e-fraud dept., specifically with a person named XXXX. Contact details for the e-fraud dept. are hard to come by and XXXX has not answered her phone. I've left two voicemails. 

What I have learned through my many phone calls to the bank is that XXXX in the e-fraud dept. put a hold on my account Fri. XX/XX/XXXX before she left the office for the weekend without telling me. Therefore, I have not had access to my money since the evening of XX/XX/XXXX and have not been able to get a hold of XXXX and was told from US Bank that no one else could help me but XXXX in the e-fraud dept. Come Monday, a normal bankers working hour, and she has not contacted me or returned any of my phone calls. Some bankers tell me XXXX was prompted by my local bank branch to put a hold on my account, but when I call the local bank, no one knows anything about the situation. 

I do not think it is right for the bank to put a hold on my money without conversing with me. I also do not appreciate the long duration of no communication. While I understand people to be busy with multiple business concerns, this is not an acceptable excuse to not give me access to my money without contact. You are an institution housing my money. While I appreciate the service I worked for my money and do not appreciate being blocked from it, especially without explanation. 

I am looking to hear back and quickly please as I have no access to my money for general living expresses, much less to have any fun. 

Thank you, XXXX XXXX
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX with the account number XXXX. XXXX XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2016-01-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MORGAN STANLEY & CO. LLC (NM)

Morgan Stanley mis-reported our XXXX XXXX contributions to the XXXX, incorrectly completing XXXX forms XXXX ; causing the XXXX to review our tax return and assess a liability not actually owed to them. We discussed this with XXXX, and they said they just needed the amended XXXX 's accurately reporting the deposits and applicable tax years from Morgan Stanley, then would retract the liability and close the file. Morgan Stanley has consistently refused for months and months now to revise the forms. Eventually XXXX withheld funds from our XXXX tax refund to satisfy the improperly assessed liability. So Morgan Stanley has cost us {$10000.00}! And not to mention continuing frustration, time, energy, and more money in dealing with them.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

RE : ( XXXX  XXXX CREDIT CARD ) ACCOUNT # XXXX ( OPEN DATE : XX/XX/XXXX ) AMOUNT {$8400.00} To Whom It May Concern ; I disputed the referenced accounts above on XX/XX/XXXX. My credit report shows these item were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, procedures in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph. 
is reinserted in the file, the consumer reporting agency shall notify the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information, As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report THIS ACCOUNT IS ALSO REPORTING C/O MONTHLY WHICH IS FURTHER RE-AGING MY ACCOUNT TO A FRESH CHARGE OFF CAUSING MAJOR DAMAGE TO MY CREDIT SCORE THIS IS DEFAMATION OF CHARACTER RE-DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity?