davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in 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 Equifax, XXXX, and XXXX through letters I mailed to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to XXXX, equifax, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.
Consumer complaint received 2020-12-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MS)

From the Citibank website I initiated a transfer of {$8000.00} from XXXX to Citibank on XX/XX/XXXX. The transaction failed due to an address discrepancy. I have corrected the address with Citibank, and they and XXXX have confirmed the addresses match, but my funds are still frozen in a " pending '' status at Citibank. I have contacted Citibank XXXX times in the past week, and I have been given multiple different stories by various CSRs. 
XX/XX/XXXX ( 1 ) - CSR stated XXXX must cancel the transaction XX/XX/XXXX ( 2 ) - CSR stated funds will be automatically returned on XX/XX/XXXX XXXX ( 1 ) - CSR stated funds can not be returned because they are held by a third party XXXX ( 2 ) - CSR could not assist, but will " raise a complaint '' to a " higher department ''. Refused to connect me to a manager or anyone in the " higher department '' XXXX ( 3 ) - CSR stated funds will be automatically returned on XX/XX/XXXX. CSR could not answer why it was XXXX and funds are still not available. 
XXXX ( 1 ) - CSR disconnected after XXXX minutes due to it was time to clock out XXXX ( 2 ) - CSR transferred me to the Fraud department who stated funds were released XX/XX/XXXX.
Consumer complaint received 2020-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (TN)

I received notification from collection agency XX/XX/XXXX stating I owed {$820.00} with no additional information as to what I owed the money for. I submitted dispute in writing with request for details as to what it was I owed for. The notice was submitted within the 30 day period from when the letter was received. I received nothing from the company, then the collection showed up on my credit report. When I contacted the company, they advised me they moved suite numbers at the same address and never got my letter disputing. I asked for proof in the initial letter I mailed requesting validation of the alleged debt and never received anything. I verbally asked for proof once again a month later when I called and still have yet to receive any kind of documentation for proof that I owe this money. I was told this was for a security system I purchased in XXXX, 10 years ago ( which I never did ) They said this was a new account they acquired from a company who is no longer in business. XXXX XXXX was extremely unhelpful and rude and said that I owed the money.
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITYWORTH MORTGAGE LLC (PA)

I was trying to get a loan with Cityworth Mortgage in order to purchase a house. The process was about 3 months. Over those 3 months, I had to provide the same information various times and in the middle of the process, the loan officer left and we received a new one which caused even more work for me. They postponed the first closing date and then on the second date, they called two hours before the closing to let us know that the closing wont happen.

they should not do that, and this company should be offering loans to people. 

I lost money and time, the realtor doesn't want to refund the deposit money, i put XXXX dollar down, and they don't want to refund this.
Consumer complaint received 2019-01-08
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: ID Analytics, Inc. (NV)

I recently purchased a new car and all of the credit bureaus sent me a report telling me my credit score. Now there is a company claiming it is called XXXX XXXX with a 250 point disparity between 3 major credit bureaus credit scores. I never authorized for this company to have my information and they seem to be fraudulent and committing slander on the American Consumer. XXXX XXXX is fraud.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC (FL)

Hello CFPB : I closed my mortgage with FBC mortgage , LLC, in XXXX, FL, loan number XXXX, back in XX/XX/2016, first payment was done on XX/XX/2016, since then I have been a good customer and have paid my mortgage in time. Today, I have another company sending me an email, yes, an email, not a formal letter, no official request, but an email stating that it is time to pay my mortgage to this new company, apparently my mortgage was sold to a " XXXX XXXX '' without being notified by either part except via email. With all the issues with identity theft, these crooks make business between them without notifying the most important link here who is the consumer, while believing an email will suffice to collect a mortgage payment. There is a binding agreement between customers and loan companies and it works both ways. As customers, we can expect a loan to be transferred/sold, but we should be notified in advance of this not via email.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FM)

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number. XXXX responded back and stated " As a security precaution, and for your protection in order to add or change your phone number on the initial alert appearing on your personal credit report, we need proof of identification. Please provide a copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying your current address, and one copy of a current utility bill, bank or insurance statement. '' I have attached a copy of my ID and bank statement for address verification.
Consumer complaint received 2021-08-11
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. (FL)

Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.
Consumer complaint received 2021-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

In XXXX I secured a loan to finance my daughter 's education. In XXXX Sallie Mae XXXX now operating as Navient ) contacted me to refinance at a reduced interest rate with more favorable terms. The Navient caller assured me that a full accounting of past payments and charges would be submitted to me as soon as possible to reflect my new balance of {$20000.00} as of XX/XX/XXXX. To date this reconciliation has never been submitted to me I have made written requests, phone calls and pleaded for a response. I was told a letter had been sent and requested a copy of this letter. I even offered to pay for the cost of sending it by registered mail. To date - no receipt of such letter from Navient.
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: A.R.M. Solutions, Inc. (FL)

I received an email that a former employee of mine, whose employment ended more than 5 years ago, received a call on her personal cell phone from ARM Solutions, XXXX, advising they were trying to locate me to " collect a personal debt. '' This is wrong on many levels, as you know. 

I tried to call the above number, and had to leave an automated call back number. I emailed ARM Solutions at the " contact us '' email address on ARM 's website.

This is a former employee who often refers my business, and ARM 's blatant privacy violation could cost me business. Please advise.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 an account without my written instructions XXXX partial acct # XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX Partial Acct # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXs # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-10-05
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed account and remove them if unable to prove that the account is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Discover Financial failed to make good faith effort to verify my information before closing my account without reason or notice : Discover promised to allow 10 days for my info to be received and verified but did not. 

In XXXX, I made a single withdrawal at a casino for {$500.00} and shortly thereafter Discover Financial requested I submit a 4506T. I submitted it the same day with my mailing address which differs from my home address. Both addresses appear on my credit report. Both my condo and my XXXX  XXXX  are in the XXXX zip code. 

After 5 days, Discover financial requested a revised XXXX which I submitted immediately. 

Finally, they closed my account without notice it reason and refused to provide info during subsequent phone calls. 

I have proof of income, tax returns, excellent credit, and do not engage in any type of illegal activity nor do I gamble. 

Discover Financial did not make a good faith effort to verify my information and closed  my account, adversely affecting my credit score and financials, dropping my score from XXXX  to XXXX
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account due to a security freeze on my profile and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2022-08-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 
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 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (WA)

Working with New American to purchase my first home put me at risk of both losing my desired home and {$17000.00} ( earnest money + gains on the stock I sold for closing costs in good faith this would be done XXXX + inspection ). 

Below is a recap of miscommunication and negligence to date by the company. Contacts I have worked with are XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. 

XXXX pre-approved me for a loan at 10 % down with a rate match of 5.85 % with manager approval XXXX. My formal mortgage application then kicked off XX/XX/22 and XXXX advised me she had all the documents needed to move forward with underwriting. My appraisal was completed XX/XX/22 and came in slightly above my offer- all good news. 

On XXXX ( Monday the week of closing ) I received an email from XXXX that my loan was at risk of denial but there was a solution where I would put 15 % down with 4.99 % interest rate. This was the first of 3 incorrect quotes for a path forward I would get from XXXX in 48 hours. I received a follow up email XXXX that I had 2 path forwards to avoid my loan being denied : 15 % with a higher rate than initially quoted or 20 % down. I decided I wanted to move forward with 20 % down to avoid paying upfront MI. 

On XXXX I was told the 20 % down path previously quoted as an option would be denied due to impact on my reserves. The only path forward that would be approved was 15 % down. I asked to speak with a manager however they did not call me before leaving on vacation/OOTO XXXX. 

Beginning The afternoon of XXXX I began working exclusively with XXXX because I could not trust any of the loan terms XXXX was quoting me. I raised concerns that XXXX XXXX the escrow agent and the seller agent were saying XXXX was unresponsive to all attempts to contact her for updates to XXXX for loan docs ahead of signing. 

I signed closing disclosure agreements for the path forward to complete my loan with 15 % down the evening of XXXX, keeping us on track to close XXXX sold stock and compiled the updated closing costs needed into my XXXX  account, sending the updated documentation to XXXX first thing in the morning XXXX. I was told it was all hands on deck to get my contract paperwork out by XXXX XXXX. I had to reach out at XXXX after no one heard any updates. 

I was then told XXXX - on my planned closing date - that there is not a path forward for New American to honor my signed closing disclosure terms. It is clear XXXX made numerous mistakes on my loan application - including not including my buyer rebate previously communicated to the title agency and across stakeholders. Not accurately quoting me terms impacted my ability as a buyer to shop my rate and lost my trust in the process. I attempted to resolve my issues directly with the company but after saying they would review my file I have not heard back in over 1 month.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

Due to the lawsuit I want to make sure that I am not one of the customers that has gotten cheated because no matter how many payments I make to navient my balanced only tends to go up never down. I did at one point call to get enrolled in the program that would help me be able to pay baised on my income. Please help me figure this out. I first attended XXXX XXXX XXXX and now attend XXXX.
Consumer complaint received 2021-08-11
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. (MI)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/2017, I made a purchase of floor tiles at XXXX XXXX store in XXXX XXXX, FL. I was offered which I understood to be a " no interested financing '' arrangement at the time with Synchrony bank and I found out later to be a " deferred interest arrangement '' ( after the bank charged me unrealistic amount of interest ), which was not fully disclosed to me at the moment of the purchase. After my purchase, I set up auto pay and never look at statements that I found out later were available in the bank website where the bank claims there is a statement that explains the " deferred interest arrangement ''. I called the bank and requested the documentation they had that shows I agreed with a " deferred interest arrangement '' and they said they would request to the store ( XXXX XXXX ), but they could not copy me in the request to the store. I went in person to the store and requested the documentation they have available and there is no evidence that I agreed with the " deferred interest arrangement ''. My complain is I would like to receive the documentation that prove that I acknowledge and understood the deferred finance arrangement, otherwise I think it is not fair I paid the interested, since the debt became higher than the purchase amount. Thank you
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (RI)

I always pay my mortgage payments 2-3 months ahead to US Bank Home Mortgage. When paying my mortgage, I always highlight in yellow the Due Date, the amount of payment due and put " 0 '' on Additional Principal. In the last few months, I have noticed that the check payments have not been posted when received -- sometimes 2 weeks. They obviously sat on someone's desk and were not posted. I then noticed that the new mortgage bills had due dates that did not show payment. I called and was told that the postings were " in error and will be corrected. '' On XX/XX/19 I received a Foreclosure/Loss Mitigation letter that put me over the edge. I called and filed a formal complaint ( Case XXXX ). Instead of an apology, I received a Corrected XXXX Tax Form which then showed me that I was cheated out of a {$860.00} deduction because their interest numbers were incorrect. When I called immediately, I was told by an English challenged individual that I should call my accountant to file an amended tax return. There was no apology or offer to pay the {$280.00} extra income tax payment that I made due to their error.
Consumer complaint received 2020-01-27
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. (CA)

XXXX HAS BEEN REPORTED ON MY CREDIT REPORT. BUT THE CHARGES AND THE ACCOUNT IS NOT MINE. ITS A FRAUDULENT ACCOUNT WITH FRAUDULENT CHARGES. AN IDENTITY THIEF STOLE MY INFORMATION AND PRETENDED TO BE HE/SHE MAINTAINED THIS ACCOUNT. CHARGES WERE NOT MADE BY ME.