davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated by my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the reports by more than 7 years..

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate..
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On Friday XX/XX/2022 I was scammed into sending a {$200.00} deposit fee for a puppy I never received. An ex coworker referred me to someone they considered a friend. Assuming that my ex coworker knew the person I gave permission for them to share my number. The scammer went by the name of XXXX XXXX on XXXX. She said I needed to give a deposit of {$200.00} in order for her to hold the XXXX week year old XXXX. Once I sent the deposit she then began to ask for more money so that she can leave the vets office with the puppy. I than became skeptical and called. The number was a XXXX number and the women who answered had no idea of who I was. I then text the number again and asked her to refund, she continued to lie and then stopped replying. I called the bank immediately and they took a claim and told me I could not be refunded because it was a scam and Zelle does not offer protection against scams. The email which I sent the zelle to was XXXX XXXX
Consumer complaint received 2024-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC (AL)

I refinanced my loan in 2019. 30 year fix FHA. I have been paying PMI every month. Currently my loan balance is {$140000.00}. The value of my home has changed. It has been appraised at {$200000.00} only for the house. I have XXXX acres valued at {$300000.00}. Because my property value has increased greater than the balance of the loan. I should terminate PMI. The company refused and stated in 2019 FHA made PMI continuous for the life of the loan. After researching, I can remove the PMI.
Consumer complaint received 2017-08-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

I was issued this loan in 2007 the initial release of funds to the school was just over 9000 dollars now the balance has ballooned to almost 25000 dollars. I dont see how its fair to have to pay back that much money for credits that i can not transfer to a decent school. I have just recently been dicharged in bankruptcy and am still struggeling to get back on my feet financially. I am a single parent of XXXX children, a XXXX united states veteran and can barely afford to feed my self after i pay my immediate bills. I have dealt with Navient/ XXXX XXXX in the past and they are the worst company and worst customer service you can deal with. This is the first notification that I have actually received since before i filed my bankruptcy and it tells me i am in default and my full balance is immediately due.
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

XXXX Purpose : {$4000.00} Cash returned to me. 

My Citibank DOUBLE CASH credit card, They were closed on XXXX XXXX but my {$4000.00} cash rebate was not given to me. 

Request CFPB to help solve. 

Above from : XXXX XXXX
Consumer complaint received 2023-03-30
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)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (CA)

XXXX keeps calling me even after I have asked them to stop on a recorded line. Furthermore, they will not give me access to my online account so that I may pay my bill. The access issue, as I 'm a  XXXX citizen has caused my account to go past due. Due to the late mark, I am now unable to finance my medical needs. I am requesting that XXXX removes the negative mark and accept payment for the account, but to please give me online access so that I may make the payment. XXXX XXXX 's offshore agents have been less than helpful and seem to have limited access to any helpful information and are hard to understand. Please communicate by mail only. RE : Account ending in XXXX
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Filing & Reporting, Inc. (FL)

This was a payroll check from my job. This collection agency is telling me they are a law firm and they are going to sue me. Never read me the mini Miranda. Called my stepmother and told her I wrote a bad check and released all my information to her.
Consumer complaint received 2023-03-30
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2016-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WA)

Mortgage company did not pay homeowner 's insurance. My insurance payment was due XXXX/XXXX/16. I 've sent several emails to this company and have not received a response. Today i spoke with a representative and she stated i am supposed to pay my own insurance, however my HUD settlement states the extra amount paid into my escrow account is to cover homeowner 's insurance and property taxes. I sent this HUD settlement to thema gain today. She said they will get back to me by XXXX XXXX but my insurance is already far past due. I 've attached a copy of the insurance billing that shows it was billed to mortgagee. HUD settlement is also attached ( PASSWORD IS XXXX ) on page XXXX shows that homeowner 's insurance is included in the escrow payment and mortgagee is responsible for paymet.
Consumer complaint received 2015-09-09
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Addendum to CFPB Case # XXXX : A Fraudster used an electronic fund transfer method to obtain {$3600.00} from our joint account based on FALSE representation and FALSE promise. The wire transfer fraud involved a mid-morning phone call on Wednesday XXXX/XXXX/15 by an Imposter Grandson pleading for our help since he rear ended a car, was arrested charged with a DUI and is detained at the XXXX County jail, a foreign business man whos car our Imposter Grandson hit, was a rental car and the Foreign business man paid for the damages before flying back to his country. The Imposter attorney called and stated that he was able to work it out with Judge XXXX with a Court order to release our Grandson if he repays the Foreign business man for the damages to the rental car since the business man had to pay it before he flew back to his country.. The Imposter attorney presented us with the promise that our Grandson would be released provided that a payment, which he negotiated down to {$3600.00} be paid according to a court order We can provide concise details of the communication..
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

GIVING MY INFORMATION WITHOUT MY PERMISSION AND GIVING WRONG INFORMATION... THESE ARE NOT MY XXXX ... XXXX ... XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX AND XXXX XXXX # XXXX ... I DIDN'T MAKE ANY OF THEM
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pro Com Services of Illinois, Inc. (IL)

Upon reviewing my credit report from the reporting agencies, I found an account from Pro Com with the original creditor being XXXX 's. I 've never purchased anything from XXXX 's. This account is negatively affecting my credit, and it 's an account that is not mine.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

CareCredit has determined that, unless I opt in to electronic statements, I will be charged {$1.00} every month for paper statements. This is a JUNK FEE and simply unacceptable. To ensure that I am forced into accepting electronic statements, they will not make electronic statements available to anyone who prefers paper statements. In other words, because I choose paper statements, I can not see my statements online. This is fine and should be enough. Now, to ensure that I am forced to accept only electronic statements, they have decided to rip me off. This is particularly problematic because CareCredit offers 0 % financing for XXXX months on purchases over {$200.00} - a feature I use regularly. I can avoid interest charges because I get my paper statement and can easily see when any balance needs to be paid off. This gambit of theirs will surely cause more of their customers to miss the deadline for payments without interest as statement notices get buried among the hundreds of emails their customers get every day- which means they will benefit not only from the fee but from all the deferred interest they will now be sure to gather. CareCredit should not be permitted to manipulate and gouge their customers in this way. I'm sure these fees will also hit the underprivileged and elderly hardest.
Consumer complaint received 2016-06-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (WA)

This company is trying to scam me out of {$480.00}. On XXXX XXXX, 2014 I made a payment of {$330.00} to XXXX County District Court as a part of settlement reached with presiding judge for a PARKING ticket. Now, TWO years later this company " Transworld Systems Inc. '' somehow got hold of my case number and is trying to scam me out of XXXX dollars.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I am missing a full year of qualifying payments from XXXX. I have tried to have this addressed several times and they will not fix the issue. I was not in forbearance during this time and they were able to verify that I was not in forbearance. 

I am very close to my having my loans forgiven.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-13
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: Experian Information Solutions Inc. (FL)

XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and  there is nothing I can do about it
Consumer complaint received 2017-09-25
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: Experian Information Solutions Inc. (CA)

XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the law.
Consumer complaint received 2015-04-06
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

My wife and I have had a home mortgage through XXXX XXXX XXXX for the last 5 years. 

XXXX XXXX XXXX notified us on XXXX XXXX that our mortgage was being transferred to Carrington Mortgage Services on XXXX XXXX, which I believe is less notice than required ( is n't it 15 days? ) Carrington has not contacted us at all about this transfer, and it is now XXXX XXXX. We want to know what we can do.
Consumer complaint received 2017-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and there is nothing I can do about it
Consumer complaint received 2017-03-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OR)

Signed up with XXXX to check my credit situation. Recently learned I am a victim of Identity theft. My phone began to ring continuously the following day to the point of complete harassment. 
I can not dispute the bill on XXXX for some reason. I would like proof of the validity of this bill. Midland funding company seems to operate on the premise of bullying tactics not facts. I would appreciate any information that can be obtained such as mailing address, Purchases made etc. so that I can proceed with criminal charges to be made against those involved.
Consumer complaint received 2016-02-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (ID)

Complaint/Consumer Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXXXXXXXXXX Business Information Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I have made voluminous efforts by calling, faxing and emailing Freedom Mortgage Corp. to obtain the following XXXX ( XXXX ) issues : {$1100.00} refund due me resulting from a Cashiers Check disbursed on XXXX/XXXX/XXXX from my XXXX XXXX XXXX Bank checking account to XXXX, TN. XXXX Associates who in turn made a wire transfer to Freedom Mortgage on XXXX/XXXX/XXXX for a purported closing cost deficit of {$1100.00} when I sold my home in XXXX, TN. on XXXX/XXXX/XXXX. Freedom Mortgage claimed they never received my XXXX XXXX Mortgage Payment for {$3200.00} ( Mortgage Loan # XXXX ) which I later validated by providing a statement that I paid it over the phone on XXXX/XXXX/XXXX with a Rep from Freedom Mortgage which subsequently cleared my XXXX checking account on XXXX/XXXX/XXXX. {$1300.00} due me by Freedom Mortgage resulting from an Escrow refund check disbursed by XXXX XXXX XXXX Bank to Freedom Mortgage on XXXX/XXXX/XXXX which represented a surplus in my Insurance Escrow account with XXXX. I have yet to receive my XXXX Form XXXX which illustrates the interest paid on my Freedom Mortgage Loan # XXXX in calendar year XXXX. 
Desired Resolution : Refund Desired Outcome Refund monies totaling {$2500.00} and provide my calendar year XXXX Form XXXX which states the interest I paid on my Mortgage Loan with Freedom Mortgage Corp. in XXXX.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

15 U.S. Code 1681s2 Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The debtor must provide a signed copies of the agreement or contract signed to validate the debts, failure to provide all the necessary papers institute illegal for any reporting agency to put inaccurate information on a consumer credit.
Consumer complaint received 2022-07-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company (TX)

On XX/XX/2022, I received an email from what looked like to be my mortgage XXXX about the closing of my house. The email had my XXXX email address, name, email format of the mortage company, my closing costs ( {$29000.00} ), and address of my house. I followed the instructions of this and made the payment cost for the closing of my house. 

On XX/XX/2022, my Mortage XXXX had called me and told me how I planned to send the money for my closing ( Keep in mind that the builder and mortage company did not tell me the exact closing date of my house yet, only the general time ). I was surprised because I thought I sent it, but apparently there has been a hacking and sending of fradulent emails within the company the past. The hackers had intercepted the emails of the closing ( included closing cost, address, etc ), and impersonated the people I was in contact with. They misled me into sending a fraudulent wire transfer through this, as almost everything seemed OK and only a few people had this information. This fradulent bank account was a XXXX XXXX account. 

This has been going on since XX/XX/XXXX at DHI Mortage, and they failed to inform me of this until XX/XX/XXXX, when I was too late to stop the wire obviously. 

I still filed this to XXXX ( my bank ), to recall the funds from XXXX XXXX account ( fradulent bank account ). I also went to multiple XXXX XXXX location, and managed to create a compliant to them to investigate this account, but they failed to freeze it and far as I know this account is still active. 

I believe that dozens ( maybe XXXX ) of fake XXXX XXXX accounts were opened up during this time period, and the closing/housing information of XXXX of people who worked with DHI mortage were stolen by these hackers. My mortage XXXX and branch XXXX mentioned that several people, including myself, fell for this scam too. So many were affected.
Consumer complaint received 2015-09-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (CT)

The collector has called several times per day and left messages for approximately one week. On XXXX/XXXX/2015 they called my wife 's cell phone, she asked for the debtor 's name and they refused to tell her. Today I called back and left a message, soon after the collector called me back. At that time he refused to tell me who I owed the debt to until I gave him more personal information. I refused and said who do I owe the debt to and he refused to tell me. 

To date we have not received any validation notice as required by law.