davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (KY)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these items right away : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED 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 2017-03-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

My wife and I have a Home Equity Line of Credit ( HELOC ) with Citibank. The account number is XXXX and is in the name of XXXX and XXXX, XXXX, XXXX, Ca XXXX. 
The Credit line is for {$380000.00}. The money is in this HELOC account and when we need to use it we transfer funds from the HELOC to a Citi Gold checking account # XXXX. 
We then are charged interest from the time the funds are transferred to the checking account. These accounts were set up in XX/XX/2016 and we have transferred funds numerous times since then. 
This morning the Citibank web site that we access to make the transfer contained a notice that said. " To avoid a change in your Citigold package increase your combined average monthly balance to at least {$200000.00} '' My wife had an on line chat with the bank and this was confirmed. 
We are now forced to pay interest on a minimum of {$200000.00} of funds we are not using. 
Th
Consumer complaint received 2016-12-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (MD)

I am in receipt of Professional Account Management, LLC., letter informing me that they are handling the collection of an account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Professional Account Management LLC., and me which makes them entitled to enforce a commercial claim against me.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (NH)

Mortgage lender Stearns Lending LLC is witholding greater than the XXXX escrow cushion in my escrow account. Made multiple attempts to resolve. They cut a check for approximately {$950.00}. There is an additional {$1000.00} above the XXXX number they are witholding, and company refuses to pay it out.
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NY)

I opened a Mortgage loan with National City XXXX in XXXX. National City sold the loan to PNC Mortgage. 
After becoming XXXX in XXXX in XXXX, I went through a nasty divorce and was forced to declare bankruptcy. The PNC loan was discharged in my bankruptcy. 
According to PNC records, PNC then sold the loan to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.after the XXXX bankruptcy discharge. XXXX has been reporting a balance on the loan falsely which I was recently able to reverse. 
PNC is still listing ownership of the loan on my XXXX credit report. 
This means that my credit report has been wrongly reported as having XXXX separate mortgages. XXXX for XXXX and XXXX for PNC.when infact there was only XXXX. 
I disputed the reports with all XXXX credit beaureaus. XXXX still reports XXXX mortgages. 
I have contacted : XXXX PNC Mortgage to request the removal of the inaccurate report to all credit agencies, since this error has caused me to suffer unfairly. Pnc each time told XXXX that the information was correct even though thier own records show that they no longer have ownership if the mortgage.
Consumer complaint received 2015-05-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

l was foreclosed without any notice from the trustee or lender. Since l was working with a real estate agent who was to work with bank on my loan. Instead he sold it to his investor friend under the table.The broker knew people at the bank in XXXX XXXX where Citi residential was before they closed down.. Closing of Citi residential, my loan was transferred to Citi mortgage since both are part of Citigroup. l have asked Citi mortgage to send me my loan docs. Customer service agents would be so confused when they would look up my account some agents managed to give me information who had called for the serviced released matters and acting as a agent for me .which was the broker agent .Every time l called information would change it seemed like the account was monitored .Citi mortgage still have not provided me the loan docs l got my payment history which indicates my loan was still with them the last transaction was dated XX/XX/2009 but foreclose was on XXXX/XXXX/2009, The loan was transferred to XXXX then XXXX now XXXX they also did not have my loan in their system. Months and years trying to get docs and facts l have also got CFPB involved to get answers to my answers am still waiting for results, its still in process with CFPB. l was denied by foreclose review according to rust consultants the denial was from the bank it did n't make any sense. They could n't tell me more. l meet all the forecloser qualifications. lam still waiting for help. l wanted to bring this issue up with your dept. to help me and my boys we have been displaced, fraud out of our home by greed. The buyer of the property took out a XXXX XXXX did the loan with improper documentation. Then here we are can not pay rent, cant even get justice no money
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

Recently while evaluating a Modification proposal from Ditech a number of issues were noticed which made acceptance impossible. In order to actually finalize the modification terms ( which were subject to change ) I first had to make 3 Trial Payments of {$2100.00} .This amount is higher than my original mortgage payment and certainly would not be manageable and would likely just result in another default. ( What is wrong with this picture?? ) The whole proposal is too vague and the unpaid balance is way out of line ( {$370000.00} vs my balance of {$280000.00} when I defaulted due to unexpected loss in income. Next was an estimated market value given as {$330000.00} on XXXX XXXX, then on XXXX XXXX in another letter the market value stated was {$320000.00}. Big drop in just 14 days ( Questionable info ). Last but not least-On the statement I receive each month it shows my regular monthly payment to be {$2100.00} and now recent statements show the payment as {$2200.00}. Why the big change ( No explanation ever given!!! ). I have offered other suggestions for possible remedy, but nothing seems to be taken seriously by Ditech or XXXX XXXX. My situation deserves a creative solution and I am still waiting.
Consumer complaint received 2015-05-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (HI)

WE SEND ( XXXX ) ACCEPTANCE FOR VALUE AS A REMEDY FOR SET-OFF OR DISCHARGE OR PAYMENT AS ANINSTRUMENT TO PAY THE MORTGAGE. EXEMPT FROM LEVY AND CHARGE THE SAME TO OUR NAMES. XXXX ORDER / DATE/USING OUR EXEMPTION IDENTIFICATION NUMBER. I IT WAS MAILED VIA CERTIFIED MAIL WITH RETURN RECEIPTS. IT WAS DONE USING OUR CHARGING SHEET. WE HAVE RECEIVED THE RETURN RECEIPT SINGED. XX/XX/XXXX WE MAILED. THE BANK/OR MORTGAGE CO. RESPONDED WITH THEIR LETTER AND WE RESPONDED TOO ALONG WITH OUR LETTERS THE WE RETURNED THEIR LETTER USING THE WORDS ACROSS IN DIAGONAL WAY : XX/XX/XXXX HOUSE JOINT RESOLUTION XXXX NEXT LINE IS BANKRUPTCY COURT OBSTRUCTION PROCEDURES, BELOW IS ; OF ADMINISTRATION DEPARTMENT AGENCY OFFICIALS..ALONG WITH OUR PETITION CERTIFIED/REGISTERED FILED STAMP AT ATTY. GENERAL AND IN THE BUREAU OF CONVEYANCE ALONG WITH OUR AFFIDAVITS. THE BANK DID NOT REBUT THE AFFIDAVIT BUT CONTINUE TO SEND LETTERS WITH THEIR OWN OPINIONS..WE ARE FILING XXXXLIENS ON OUR PROPERTY ALONG WITH OUR PETITIONS..TO THIS DATE THEY REFER OUR LOANS TO HOMEOWNER 'S ASSISTANCE CENTER TO THEM WE ARE IN DEFAULT PAYMENT. THAT MEANS THE BANK DID NOT BALANCE THEIR BOOKS THE DEPOSIT ( XXXX ) THAT WAS OFFERED AS A GIFT TO SET-OFF MORTGAGE BALANCE.THE TEL.NO. IS XXXX -- XXXX THE LAST LETTER WE RECEIVED. SO WE WANT CFPB TO INVESTIGATE THIS MATTER .AND WE WANT TO DISPUTE ANY NEGATIVE REPORTS FOUND ON OUR CREDIT REPORTS BUREAU 'S : XXXX XXXX ; XXXX XXXX EQUIFAX XXXX OUR FICO SCORE WILL BE AFFECTED TOO.IF ANYTHING FOUND AND REPORTED. ( I AM STILL REQUESTING MY CREDIT REPORT AT THE BUREAU ). WE HAVE THE RIGHTS TO BE PROTECTED AS CONSUMER, WE HAD FOLLOW THE LAW XXXX- XXXX LIENS THAT A REMEDY IS AVAILABLE BY LAW. ALSO, IF ANY WHO VIOLATES THE LAW WILL BE PUNISHED UNDER TITLE XXXX SECTION XXXX IS A COPYRIGHT INFRINGEMENT FOR USING OUR NAMES TO PROMOTE BUSINESS WITHOUT OUR CONSENT/PERMISSION.UNDER ARTICLE XXXX XXXX XXXX XXXX A HUMAN RIGHTS VIOLATION/ XXXX XXXX AND WILL FACE LIFE IMPRISONMENT OR DEATH SENTENCE IF FOUND GUILTY. HOPE CAN FIND HELP HERE. THANK YOU.
Consumer complaint received 2023-01-06
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-04-21
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. (NJ)

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out a new account on my credit report that does not belong to me, the collection name for an alleged medical debt is XXXX XXXX XXXX, so I am asking to please stop further collection activities and remove it from my credit report.
Consumer complaint received 2017-02-16
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (PA)

They Violated My Consumer Rights by with holding {$240.00} USD. No claims or Disputes where filed by any Customers.ALL Shipments Confirmed / Delivered They Violated My Consumer Rights by with holding {$240.00} USD. No claims or Disputes where filed by any Customers. ALL Shipments after Checking Tracking are Confirmed / Delivered. When I logged in to my paypal account I had received a message that states " Your account access is limited. Learn how to remove this limitation. " Upon clicking the notification on the right hand corner of my paypal account this is the message that appeared : You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that 's inconsistent with our User Agreement and we can no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you ca n't send or receive money. Any money in your balance will be held for 180 days, at which point we 'll send you an email with instructions about transferring your money. 

Reference # XXXX I have learned that this is NOT ONLY NOT ETHICAL BUT ALSO ILLEGAL BY HOLDING MY FUNDS. I want MY FUNDS IMMEDIATELY RELEASED. I did my part by SHIPPING OUT MY PRODUCTS. I WANT TO BE PAID. I AM NOT ONLY OUT MY PRODUCTS THAT I HAVE SOLD BUT ALSO MY MONEY THAT I AM OWED. ANYONE THAT IS READING THIS THAT WANTS TO BEGIN SELLING ON EBAYXXXX PLEASE PLEASE I URGE YOU TO OPEN A MERCHANT ACCOUNT AND STAY AWAY FROM PAYPAL THEY ARE THE BIGGEST CROOKS IN THE WORLD WHO HIDE BEHIND THERE BUSINESS. 
Account ID : # XXXX
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Aqua Finance, Inc. (TX)

Aqua finance, XXXX XXXX XXXX and there investment banks are still harassing us. We sent numerous complaints to your office through the U.S. Mail and also online. Just recently we started receiving responses from Aqua but for what ever reason we could n't see what Aqua had wrote and we used different computer devices but nothing would show. We started writing your department because our complaint would n't go through when we hit submit at the end our when Aqua replied, the system for whatever reason would n't allow us to dispute. This is another tactic by Aqua using there influence to manipulate the situation. Why would we submit a complaint of harassment as many times as we have and not follow up on them makes no sense! Aqua is getting caught in all types of lies. Aqua stated that financial systems XXXX are no longer working on our account, they just admitted to another lie. If your department pulls out all the information that we sent you, there is a correspondence print out that displays conversations between Aqua, the XXXX and ourselves. Aqua clearly stated on the correspondent that they Do n't Have Anyone Working On Our Account so with there on words they are caught in a XXXX and yes we have copies plural of that correspondence print out and we can always send your department another copy! Aqua wo n't even address the conversation involving the print out, they only address the pictures thinking they can explain there work vehicles constantly being around us XXXX following us XXXX. Aqua in there arrogance has forgotten that they told the XXXX that they do n't have any representatives in our region, once again another lie! If your department reviews our complaints and the evidence that we have sent you, this a clear case of felony harassment. Aqua also told the XXXX that they do n't deal in real eastate or mortgages and that they never have and they never will. Well I guess I can see the future, because if your department checks there web sit you will see that Aqua is in real estate, mortgages, car loans, business loans and even personal loans. In my opinion this makes them a much stronger company to harass people because they a lot of influence. We can send your department another print out of there conversation with the XXXX that proves that they are liars and are very crooked companies. Ever since we have been sending your office complaints, it has yeilded significant results, we have also sent the Texas ago at least XXXX written complaints over the last 4yrs. We appreciate all your help and if this has to go to court your departments wo n't be forgotten when talk to the media. A lot of lives have been ruined by these thugs and it 's time to, bring them and there collegues to justice. No one is above the law, we do n't care how much money or influence you have!
Consumer complaint received 2017-03-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc. (ME)

THE THOMAS AGENCY INC 5XX XXXX JUST XX/XX/2015 {$470.00} {$470.00} XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.
Consumer complaint received 2017-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I 've filed a previous complaint (  XXXX  ) with you all and the status still remains open with no response as of  XXXX    XXXX ,2017  in regards to my  XXXX   XXXX   XXXX  account to be removed from credit report.  XXXX  out of the  XXXX  credit bureaus have removed it when I sent certified letters asking for the removal or proof of debt except Equifax. They have yet to respond when I sent the certified mail  XXXX   XXXX ,    2017  and they received it  XXXX   XXXX ,  2017 . I would like the account removed please. I also checked the licensing website and saw no authority for them to be collecting in the state if NC which was another concern for  XXXX   XXXX   XXXX .
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (OH)

Numerous issues but what is very concerning is after months of submitting and resubmitting documentation I find out that the submitted documents were uploaded and labeled incorrectly which slowed the process down to an already ridiculous turn around time. Then I have to hear every time I call how their doing their job so well, really? Also I have been told of XXXX different possibilities of the outcome of this modification then the last person I spoke with tells me there is really only XXXX possibility and its not really going to help and it is unlikely the rate will get reduced at all then after I state others have told me of rate reduction the person stated well it could go down a little but not even a percent lower. The last issue I want to mention is that this loan was being serviced at XXXX and a week before transferring to Seterus the loan modification had been submitted for a final approval all documents were received in and accepted the broker price opinion was ordered and then the loan servicing transferred on XXXX/XXXX/2015. I was told the loan should at least transfer with that status, but it did not as I had to redo the loan modification package for Seterus and resend information numerous times because nobody is rarely on the same page and paperwork is labeled incorrectly. Should the status have stayed the same since the investors of the loan have not changed? I have sent everything in that is asked for and many times I have been told different or wrong information I once spent {$17.00} at XXXX to make sure the documents faxed were received. I have with the help of my wife done what has been asked and as of a week ago everything is in we now have a 30-45 day wait for the documents to get reviewed by a processor that is a long time to know if more documentation is needed, then in the meantime how much paperwork is set to expire??? At this rate it will never get done. After mislabeling our paperwork for weeks you really cant accelerate our documents for review. But your ready to accelerate the mortgage.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SCS Credit Corporation (IN)

In XXXX, I was informed that a ex-boyfriend was using my credit information to obtain several car loans and furniture. He obtained XXXX car loans, which were all repossessed due to his inability to register them with motor vehicles. At the time, I had a protective order due to past domestic incidences which he served time in jail and was released in XXXX. Because of the protective order, I was contacted by the police when they found the abandoned vehicles to check on my safety, and then subsequently found out about the several car loans and furniture accounts that were opened within a month or XXXX of each other. XXXX of the car loans were taken out at the same buy-here-pay-here dealership, which I 've worked with the credit bureaus to clean up the information on my credit report from all the fraudulent accounts, names, addresses, and more. All but XXXX of those accounts have been removed from my report, since the person was convicted of fraud and sentenced. SCS Credit was the dealership that sold XXXX cars to this individual and has only removed of the loans from my report, despite the official police paperwork that was submitted to them. I have been trying to purchase a home for the last year, but this last fraudulent account is the only issue standing between me and my XXXX home. I just had my XXXX child and would love to be able to purchase a home and this issue has kept me from doing so. Since the information that was used to open the account was all fraudulent except for my name and SSN, they state that they would be unable to speak to me about the account.
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (WA)

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( First Data ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, First Data ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from First Data about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company XXXX XXXX. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.