davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
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. (MD)

On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, Equifax, XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.
Consumer complaint received 2017-11-02
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. (IN)

XXXX IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY XXXX AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX
Consumer complaint received 2020-10-08
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: CBC Companies, Inc. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Summary of Events : 1 ) - XX/XX/XXXX completed XXXX XXXX refinance closing and my Ditech mortgage was paid off by XX/XX/XXXX 2 ) - XX/XX/XXXX Ditech autopay was not cancelled and an extra payment in the amount of {$570.00} was issued to Ditech ; I contacted the both Ditech and the bank to try to stop the payment but was told that nothing could be done and I would have to wait for a refund 3 ) - XX/XX/XXXX I called Ditech to follow up and was told that a check was issued on XX/XX/XXXX 4 )  -XX/XX/XXXX called to follow up because no check was received but I had received other Ditech mail dated later than XX/XX/XXXX. Representative confirmed that check in the amount of {$570.00} and change had " been mailed out onXX/XX/XXXX '' and said that they could not do anything about it until 30 days after the date the check was sent. 

5 ) - XX/XX/XXXX sent a complaint via the Ditech Website, received the following response " Thank you for your recent inquiry. Your request is being reviewed and we will respond via U.S. Mail to the address of record. '' Based on my research of complaints about this company, this is a common occurrence and " 30 days '' is their typical response for delaying payments due back to customers. From what I have read, this will continue for a number of rounds while I am put off for another " 30 days '' multiple times for various reasons. Some people complained about just giving up and never receiving payments. 

First of all, I do not understand why they are not refunding the entire overpayment. I also feel like I should not have to fight or follow-up multiple times to get back a payment that is owed to me. I would appreciate any help that CFPB can provide to make sure that Ditech complies with RESPA rules and regulations. 

Thank you!
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

I was made aware that an individual illegally gained access to my US Bank checking account on XXXX XXXX, 2017. The way I was made aware was by receiving a series of death threats over my landline telephone because I had {$3000.00} that belonged to this person. About the same time I received 9 emails from US Bank that my PIN was changed, my DOB was changed, my security questions were changed, my password was changed, and that the check I deposited over the mobile app in the amount of {$2900.00} was successfully deposited. I made no such deposit, and have never utilized the US Bank phone application. The police were called and relevant reports were filed. 

I explained to the bank that I had received death threats pertaining to this incident, and requested a very thorough investigation as well as all information pertaining to the check in question. The bank verified the check was fraudulent, but refused to give me any further information, including how an individual was able to use their mobile app to break into my account, the location of the cellular phone used to illegally gain access to and deposit a check into my account, the type of cell phone used, and for how long the individual had been accessing my account. Instead the bank closed my account without notifying me or providing compensation for the money left in the account, and now refuses to answer any inquiries into this matter.
Consumer complaint received 2020-10-08
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX # XXXX
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (CA)

AFNI contacted me saying that I supposedly owed a debt. 

Then another collection agency under the name of XXXX contacted me also saying that I owed them the debt. So basically they are trying to double collect. 

A few days ago I filed a complaint against XXXX and they said that the debt was completely removed and that they will not pursue it. 

AFNI never verified the debt and they are still showing up on my credit report? 

I sent them a few letters and they never validated the " so-called '' debt. 

I need them to remove themselves from my credit report and am asking for punitive damages for willfully neglecting to verify the debt.
Consumer complaint received 2019-08-08
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: Exeter Finance, LLC. (AL)

I received my credit report in XX/XX/XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " it is our understanding that ( i ) on or about XX/XX/18 you applied for credit. And ( ii ) the application for credit you completed included a disclaimer and authorization for the dealership to submit the application to other lenders in an attempt to qualify you for financing. This authorization is typically located on the application under the heading " consent to release information. '' This is a direct violation of my rights under FCRA 611. I asked for them to send me proof of authorization not tell me what it is. By not doing so, they're in direct violation of FCRA.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

The complaint below was filed with the CFPB on or about XXXX XXXX, XXXX after I tried to get my Equifax report on line. My wife just attempted to get her Equifax report this evening and was met with the usual Online Delivery Unavailable. We are now into our fourth year of each one of us being denied our Equifax report online. 
-- -- -- -- -- -- -- -- -- -- -- -- - My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the fourth year in a row now, neither one of us has been able to get our report on line from Equifax. Every time we go through the on line request procedure, at the end, we get a message that says, Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. You are then told that you need to fill out a form and send it, and two supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other two agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.
Consumer complaint received 2017-11-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

After numerous submissions for modification and making payments to Wells Fargo after having to file a chapter XXXX  reorganization bankruptcy in hopes of getting some type of help to save my home they refuse to work with me. They took a few payments but would not offer me any loss mitigation help. 
My family and I have worked and saved a large sum of money in hopes of some type of workout but they refuse to help us. We ask for the reinstatement figures but each time we think we have the amount needed the figures come back much higher than the last figures we just received 30 days go. 

The auction again if for XXXX XXXX, XXXX. We tried to find the Invest XXXX, XXXX according to Wells Fargo it is up to the investor Wells Fargo is a part of XXXX.
Consumer complaint received 2017-11-01
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. (HI)

I sent a letter to Applied Bank to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from applied bank nor have they marked any of my reports disputed within the time frame per the fcra
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TN)

At the time of the checkout at XXXX, I was offered XXXX XXXX XXXX credit card. I had asked the counter associate whether it will be a hard inquiry to my credit score. She assured me that no hard inquiry will hit my credit score. I gave the approval for the application and it was filed. I already have fair credit score since I returned to the US after long time. The application eventually could not be approved and it also hit my credit scores to the tune of 24 points collectively both with XXXX XXXX XXXX
This is not good and not acceptable at all. I was given misleading information to promote the XXXX co-branded credit card which is not ethical. My credit score is still building up to an acceptable level and already not good but now it has gone further down. Am an old customer of XXXX since the year XXXX and was not expecting this. 

Tried reaching out to XXXX through their feedback mechanism on the website and one email ID as well but did not hear back suggesting any resolution. 

Date : XXXX XXXX XXXX Establishment : XXXX, XXXX XXXX, XXXX, XXXX XXXX reported to XXXX : XXXX XXXX XXXX
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

Previously XXXX XXXX XXXX was reporting same time as XXXX funding on my credit report after XXXX XXXX had sold my account to XXXX in XXXX of XXXX I paid XXXX and they removed from all my credit reports I sent a letter to XXXX XXXX in XXXX on why they are still updating my reports as late they replied back with a letter stating they no longer own my account they sold to XXXX and to contact them then again in XXXX they updated my account as late. I have supporting documents to verify this statement
Consumer complaint received 2017-11-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

I requested the removal of the mortgage Insurance ( MIP ) based on MN status 29 and asked for a new appraisal of my home. I have asked for this consideration a number of times over the last 4 years. The loan-to-value ratio was always based on the loan closing date of XXXX XXXX, 2009. 

I was able to collect information from the Mn department of Commence, state status 29 which allow the loan to value ratio to be considered by the current value of the home, after a appraisal has been done. 

After, submitting my request I received US bank 's same standard form letter which I have gotten in the past. There was no mention whether or not the state status was considered. 

My question, could have US bank considered the status 29 or decidedly went with what favors them and not the consumer I have been unemployed since XXXX XXXX and without unemployment income since mid XXXX without missing any payments. I do n't feel they care if I remain a home owner or not
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I applied to refinance the XXXX trust deed on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX today off loan XXXX for XXXX interest only. In connection with that a payoff demand was made XXXX XXXX which a CSR for BSI Financial Services confirmed was prepared by telephone on about XXXX XXXX XXXX. The lender states they did not receive the payoff request. Two other payoff requests were made on XXXX XXXX and XXXX XXXX again BSI verifies occurred but the lender states they did not receive. I asked for a copy to be sent to me. On XXXX XXXX I received a copy of a payoff demand letter from XXXX XXXX money lending who states that collect for BSI The amount they claim due is XXXX good through XXXX/XXXX/XXXX. On Friday XXXX XXXX I received a letter dated XXXX XXXX XXXX from BSI stating if I do not pay off the loan by XXXX/XXXX/XXXX they will issue a XXXX XXXX late fee of XXXX. My two lenders I am working with blew a gasket saying they have never seen such a thing. Furthermore the demand is inconsistent with the written correspondence and I believe constitutes mail fraud. And probably other crimes and offences.
Consumer complaint received 2017-11-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (CA)

On or around XXXX XXXX, XXXX I visited a XXXX XXXX  location in XXXX, CA. At that time the staff was welcoming a friendly and informed me that I was eligible for a loan of {$2600.00}. After they took fees from that amount to register the car and other fees I walked away with {$2100.00}. I made 1 or 2 monthly payments in the amount of {$390.00} before I took my income tax money to pay them off in full around XXXX XXXX, XXXX. At a later date around XXXX/XXXX/XXXX, I ran into another hardship and reapplied for another loan. This time they did not charge me all of the other fees but gave me a check for {$2600.00}. None of the employees or affiliates informed me that every time I make a monthly payment that more will be applied to the loan if I do n't come in and pay {$3500.00} in total at one time. Daily interest of {$10.00} + accrued even though monthly payments were being made which has placed my family in a financial hardship. After speaking with the employer I learned that I would have to pay them nearly {$15000.00} before my loan would be paid off if i " wanted '' to continue to pay monthly fees. Again, none of this was explained to me at the time they reassured me that I can just make monthly payments until I reach {$3500.00} to pay them back. Out of good faith, I reached out to the employer and asked them to refinance the loan so that I can afford the monthly payments until I am able to come in with a large lump sum when I get my income taxes. The manager XXXX XXXX stated that I would have to come in with the Monthly payment plus the daily interest estimating in an amount of {$770.00} in order to refinance the loan to a smaller monthly payment amount. I could not afford it and have been forced into a financial hardship. Currently, the vehicle is a total lost according to my insurance company " XXXX XXXX '' and the insurance agency is ready to pay me out. Unfortunately because XXXX is the " XXXX '' the insurance company is asking for my signature to send the check to XXXX Please help!
Consumer complaint received 2017-11-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (MD)

I have been denied the right to open an account with XXXX  XXXX an investment service owned and operated by Ally Bank. The reason given is because the suffix " XXXX '' does not appear on my social security card. I have produced my bank statement, my driver 's license, my birth certificate and passport all of which contain the suffix " XXXX ''. I was asked to produce my social security card which does not contain the suffix " XXXX '' and was denied the right to complete the account opening process. The process applied against this applicant is arbitrary and capricious as well and a pretext for racial discrimination.
Consumer complaint received 2017-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (PA)

Received a credit card with a statement of possible fraud from XXXX XXXX visa card from Synchrony Bank in XXXX florida. Spoke with fraud department on XXXX/XXXX/XXXX. The card was cancelled and an investigation was opened by the bank. I never opened this credit card and have concern that my private identity was used to open it.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

I received a collection account added to my credit reports today from AFNI, Inc. There address is : XXXX XXXX. XXXX XXXX XXXX, Il. XXXX. Phone # XXXX. That are reporting a debt of XXXX. The original creditor is XXXX in which I have not had services with them and this account was fraud. This account was removed from my report and deleted. Now its re-appearing as they seem to have now purchased this debt. This collection is preventing me from closing on my home. This is not mines. I have a police report and a ID Theft report to provide if they need it.
Consumer complaint received 2022-10-03
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.