davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (FL)

I recently applied for a loan for a home to find out that there was a fraudulent pull on my credit from Walmart for a credit card. This inquiry is impacting my credit and needs to be removed. I was advised by their CS line that I needed to call XXXX. However they advised me that I needed to call Walmart. No help at all XXXX Need removed
Consumer complaint received 2015-08-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (TX)

Dear sirs, I am following up to my case # XXXX, please refer to those documents. The only update and help I need relates to the letter sent by Regions Bank as a response to the CFPB and myself. On that letter which is included in the case file, is dated XXXX/XXXX/14, in which they apologize for the error and would be requesting all credit agencies to remove the charge off entry and replace with paid off, when I refinanced my home loan. Unfortunately, upon recent updated af another bank loan, my credit report still had the entry as charge off, not paid off as they reported to have done, copy included. I tried calling Regions again today with little help on the topic. I would like your assistance with resolving this issue and would like to know what ramifications Regions bank will have for not fixing this problem, which continues to lower my credit score.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (AL)

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

I called XXXX to ask why there is a collection of {$290.00}. I 've had an account with them for years and never owed them. I called to request XXXX service for television Only to be told after signing up that it is not offered in my area. I never received equipment. But I notice whenever I called on my telephone service I was ask by an electronic voice " Is it about my XXXX account? '' No because I could n't have a service that was not offered in my area. This is from year 2011.
Consumer complaint received 2016-07-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I established a line of credit for overdraft protection on my checking account in XXXX. Regions Bank took over the original bank where this was established. When I signed for this protection I was not married. I was married in XXXX and my wife was on my checking account till I closed the account in XXXX. Somehow Regions Bank attached my now ex wife 's name to this account. I have asked for proof where she signed on the line of credit. They said the loan was too old and they could not provide any documents to support her signature or even a copy of the original loan. Some where along the way Regions Bank has changed the original to satisfy what they have allowed to happen. When my ex wife borrowed the money in XXXX XXXX, they told her that this was an overdraft protection and did not reveal to her my name was attached. Regions bank should be held accountable for what I think are illegal actions. 

.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: AFNI INC. (FL)

The collection agency named AFNI Inc. does not have a license in the State of Florida to collect any debt. Their continued attempts to communicate with me through phone calls and letters have annoyed me to the point where a formal complaint about this matter Is being filed. This company is not listed on the State of Florida Office of Regulation website ( XXXX ) as being able to conduct business in the State of Florida.
Consumer complaint received 2017-01-17
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

I returned a vehicle at the end of a lease agreement. The finance company is now claiming excessive wear of all XXXX tires, and they are now billing me for the cost of XXXX new tires. I dispute the objectiveness of their appraiser and the accuracy of the measurements. The tires were within reasonable wear, and I do n't owe them the cost of replacing the tires.
Consumer complaint received 2022-08-04
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, DO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2015-10-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

Ally Auto agreed to let me skip XXXX payments in XXXX and XXXX of XXXX due to my employment layoff. A partial payment of {$260.00} was made on XXXX, skipping XXXX, and then a final partial payment on XXXX/XXXX/XXXX. In reality you are skipping XXXX payments. My next full payment was due in XXXX XXXX. I paid the full payment due starting in XXXX XXXX up until right now. They are reporting me over 30 days late in XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. If you look at my payment history on THEIR OWN PRINTOUT I paid every month and never late. I have tried to work w/them you get back in the mail is a " form letter '' saying their reporting is accurate. There is no name nor no signature. They honestly do n't want to help. My credit score has plummeted over XXXX points because of this. I have their printout of all my payments made and I agree with it. I believe the skipped payments have caused an effect making my account " look '' like I was continuously " behind '' when I was n't. I paid on time until my next approved skipped payments in XXXX XXXX. In fact, why did they not report me late XXXX? Why did they skip that XXXX? It makes no sense. Just another point their reporting is flawed. 
I have had this loan since XXXX of XXXX and was never late all that time. Their own printout clearly shows I made my payments. I honestly do not think they care or someone would have called me and not sent me a just a form letter not even signed. When you call you are lucky if you get someone with some smarts. They are like robots in their canned response. I do not know where to turn at this point. 
Being in the mortgage business has caused numerous layoffs and I have always honored my auto loan. 
XXXX XXXX
Consumer complaint received 2015-10-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

i lost my business and lost almost XXXX doller and my debt collecting companies were keep calling frequently and any how i managed to pay off all their debt and i made settlement on time, but the have destroyed my credit score history and they put as a charged off account on my credit report. i need please attention to the issue
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

In XXXX XXXX I moved and Macy 's automatically updated my mailing address to a non-existent address. I paid off a {$170.00} balance on my Macy 's card in early XXXX which was the full balance on my XXXX statement the last statement I received at my old address. I had my mail forwarded from my old address, but Macy 's instead went ahead and updated my address with an incorrect XXXX. 
A purchase of {$44.00} was made on XXXX XXXX. I never received any statements from Macy 's regarding this balance. I was not made aware of any balance until XXXX of XXXX when a collection agency contacted me and said I owed a balance of {$350.00} from interest and late fees. 
I had difficulty obtaining statements from Macy 's and requested them numerous times before finally getting them. I have spoken with representatives at length and sent a fax on XXXX XXXX and have still received no response. I want the negative information removed from my credit report and all the interest and late fees refunded as Macy 's never sent a statement for these charges and instead sent them to a non-existant address.
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

I overpaid my credit card by {$220.00}. I subsequently closed the card and have not received a refund in over 120 days even though the statements I receive say " We will send you a refund of any credit balance of {$1.00} or more after the credit balance has been on your account for 60 days or upon your request made to customer service. '' I have tried calling the customer service number XXXX different times. It does n't connect me with a person, just a message saying they 're closed and to call back during normal business hours. But, it does not tell me when they are. Please help me obtain my money back.
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (TX)

I have an account in Texas. Citi sent me a new ATM card and requested me to go to a branch to activate it. There is no branch in Texas. So, to use another banks atm, I would be charged a fee. They indicated I would not be changed a fee XXXX I chatted with them. No fee to activate a fee. They also told me there 's a fee to activate. I do not want the debit card. They are also making me change my user name again after a year. This is ridiculous. I ca n't pay my credit card bills or see the transactions. I am stuck because I do not have a local branch in Texas. This is unfair and deceptive since I have no choices and they are making me pay a fee. I have no access to pay my credit cards while they I am waiting which is giving them additional fees until they grant me access to my accounts. This is very unfair and deceptive.
Consumer complaint received 2022-10-02
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (IL)

I had a mortgage with XXXX, which was acquired by MB Financial Bank shortly after. My wife and I purchased another house closer to work some time later, but we continued to pay our escrow mortgage on the first house until we could sell it. Fast forward 2 years and we have found a buyer for our first property, but to our dismay, it had been burglarized one weekend. I called our insurance company ( after the police of course ) to start a claim, only to find that we did n't have insurance any more with them because the account had been closed " due to non-payment ''. I called MB Financial and they said that the insurance was dropped without a reason so they decided to take insurance out on the house themselves ( I still do n't know the name of this provider ) but of course, the plan did n't include personal property coverage like the insurance I had purchased. Anyway, long story short, I am out {$7000.00} due to this burglary ( they took all of our appliances ) and I see no hope of getting it back ...
Consumer complaint received 2016-05-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (GA)

The lender negligently failed to pay city taxes from my escrow account. Unknown to me, a tax lien was filed against my home and has now been sold to a third party. The mortgage company has stubbornly refused to deal with the situation, which arose in XXXX 2015. They respond only upon a threat of regulatory intervention, and then only to say the matter is " under study. '' Meanwhile my credit has been seriously harmed, and my home is at risk. All documentation has been provided to the lender, Loan Depot.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IN)

I have been trying for two years to sell my home. It is a toxic asset and needs to be let go at a short sell at the very least. I also qualify for a deed in lieu due to relocation, which I have twice been denied. I finally have an offer on the home ( first offer in two years ) and was again turned down by Ditech. 

I have received absolutely no guidance from this servicer on how to handle this home. I have stated repeatedly I am out of time, money and options and need help. Nobody wants to listen because up until very recently I was able to keep the mortgage current. Now I 'm behind and they finally want to talk, but only about my statement. They do n't want to talk about how to get rid of this property. 

There is an offer on the table. They refused to be of any help in finding out what I need to get XXXX to accept the offer. I 've only been able to speak with my actual account rep twice and she was of little help XXXX times. I ended up bypassing Ditech entirely and contacting XXXX directly where I learned about an additional resource to escalate the process of a short sell. I repeat - there is an offer on the table and Ditech was of no help in getting XXXX to accept it. 

To say Ditech has been a terrible communicator would be giving them a lot of credit. I am done playing games with them.
Consumer complaint received 2017-04-29
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. (AR)

To whom this  may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( Equifax,   XXXX   XXXX   )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (VA)

My loan was with XXXX XXXX XXXX. My payments were {$540.00} a month. My taxes were n't included in my loan payments. I became {$1000.00} behind on my taxes. I decided to make payment arrangements with treasurer of the city of XXXX to get my payments up to date. The bank decided to take over the payments and raised my mortgage payments to {$780.00} a month. After three months it went down to {$730.00}. I started struggling with the payments. I became one month behind. The mortgage company sent me paperwork for a long modification. Instead of lowering my payments they raised my payment to {$830.00}. After a month of trying to pay that amount I called and told them I could not afford {$830.00}. I was then XXXX months behind. I was told by the mortgage company that the only other option was to move out and do a short sale or a deed in lieu. I decided to move out. I was told by the mortgage company that they could issue a short sale or a realtor was able to. I moved out of the house in XXXX 2014. I was told to let them know when I moved out. I called them in XXXX and I was told that XXXX XXXX XXXX would no longer be servicing my loan. Green tree would be taking over and I should probably give them until XXXX to get up to speed on my account. When I called in XXXX my account was still not in there system. It was closer to XXXX that I was fully in their system. When I mentioned the short sale to them they told me that 's not how they do it. I would have to list my house for sale and try to get regular price for the house. She said let 's try to do a modification. I told her that XXXX XXXX XXXX already denied me. She said my case was easy. She had seen a lot worse cases. She then denied my modification request after two months of sending in information. Now for six months I 've been trying to do a deed in lieu. I 've sent the same information in five or six times. I have no idea what 's going with the process. No one sends information. I had to look at my credit report to find out they foreclosed my house. But when I ask them has the house been foreclosed I 'm told no. They padlocked the door and I asked them Why are telling me to remove everything out of the house for the deed in lieu when you already padlocked and foreclosed on the house. They keep telling the house has n't been foreclosed, I feel like their trying to catch me off guard in order to prevent bankruptcy. I would have known the process would have taken this long I would have never left the house. In the beginning I wanted to keep the house, now I just want the process to be over with. This is like a slow death.
Consumer complaint received 2015-12-28
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SCOTTRADE BANK (CA)

According to a number of recent articles released today, such as XXXX Scottrade Bank as well as Scottrade XXXX was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade XXXX XXXX is the victim which means the hackings encompassed both Scottrade Bank and Scottrade XXXX.
Consumer complaint received 2016-03-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC (MD)

Mariner Finance reported my account as closed derogatory to the credit bureaus when my account is still in good standing. The also did this in XXXX XXXX. I did fall behind XX/XX/XXXX and XX/XX/XXXX, but made an agreement with the company to bring the account current which I did and have not been late since. They told me they do n't report to XXXX for months but they do. Now the company is saying XXXX wo n't change it on my credit report. I have been getting the run around since XX/XX/XXXX when I first called. Even their attorney is being difficult and not trying to resolve this issue.
Consumer complaint received 2016-10-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (PA)

I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX XXXX Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from Citibank needed as my debts with Citibank were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach two recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the XXXX, XXXX Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : Citibank , NA no longer has a legal right to collect under restrictive guidelines in the XXXX Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, Citibank had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX , XXXX and a debt collector named XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX , XXXX. There is no historical connection of a purchase of any debts from Citibank , NA, and my information was obtained by an illegal debt pooling process Citibank uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX , XXXX . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by Citibank , NA, XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX permanently. A follow up complaint will be submitted to the XXXX, XXXX Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.