davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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. (WV)

I BOUGHT A CAR FROM XXXX XXXX XXXX IN XXXX WV. THE DATE THAT THE CAR WAS PURCHASED WAS XXXX XXXX 2019.THIS WAS A USED CAR AND AFTER 2 WEEK I STARTED HAVING PROBLEMS WITH THE CAR. 

THE COMPANY TRIED TO FIX THE CAR BUT THE PROBLEM WAS STILL THERE. AN OFFER FOR ANOTHER CAR WAS OFFERED IN XXXX OF 2019. 

PLEASE NOTE THAT WITHOUT MY PERMISSION MY CREDIT WAS PULLED WITH SIX DIFFERENT COMPANIES. THE COMPANIES WERE XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THEY WERE ALL INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES WERE ALL ON EQUIFAX. 

I HAVE NOTIFIED EQUIFAX THAT I DID NOT AUTHORIZE THESE INQUIRIES. EQUIFAX RESPONDED IN 2 DAYS THAT THIS WAS FACTUAL REPORTING.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

A XXXX credit card tradeline is being listed on my credit report underExperian with account number XXXX. I was born XXXX XXXX XXXX and thisaccount was opened XXXX XXXX. I was a minor in XXXX XXXX. I was madeaware of this tradeline of being in collections status when I joined the XXXX XXXX inXXXX XXXX when they ran a credit check for my security clearance. I was deniedentering the armed forces right away based on this XXXX tradeline reportingthat is not and never was my credit card account. I contacted XXXX to rectifytheir credit bureau reporting error in XXXX and they said to me that I was lying andthat it was my credit card account. I shared with XXXX that I was only XXXX atthe time yet they did n't care. I was young and did n't know how to have their errorremoved from my credit reports. When I in-processed through XXXX XXXX financethey told me do n't worry about it that it will go away. I exited the XXXX XXXX in XXXX to go to college and had to do another credit check and the XXXX creditcard account was still there. I reached out to XXXX again and they said theyhad no records of me that I had to take it up with the credit bureaus. When I calledthe credit bureaus that were listed on my credit report they said they could n't helpme get the XXXX account removed because that I had to take it up with XXXX. In XXXX my college XXXX XXXX told me to go to XXXX todispute this account again and that if I signed up for a membership that they couldhelp me get this XXXX tradeline removed from my credit reports. In XXXX I joined XXXX saw that it was still on my credit reports. I filed adispute report on XXXX/XXXX/XXXX report # XXXX to help me get this XXXX XXXX card tradeline removed from my credit reports. I still have n't received anyhelp from XXXX to date on their reporting me having a credit card with themsince XXXX XXXX when I was a minor. XXXX is reporting this only fromExperian now. The tradeline does show that someone is making the payment as ofXXXX XXXX. The current balance is {$6800.00} with a minimum monthly payment of {$130.00} a month. With a credit limit on this tradeline of {$9100.00}. This is effecting myability to purchase a home as it is lowering my credit score due the revolvingaccount is over the 50 % limit. It is affecting me as a consumer of obtaining credit inmy name that I can actually utilize as a Washington State resident. I request thatyou please assist me in having XXXX have their credit card account removedfrom my Experian credit report immediately that is not mine. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2015-06-23
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (NY)

Homeowners was granted a HAMP modification by GreenTree, but his XXXX statement reflects an amount that is $ XXXX/month more than the Total Monthly Payment amount listed on the HAMP modification. We called GreenTree to inquire into the discrepancy, but they told us the loan had been transferred to XXXX, and we must therefore ask them. When we contacted XXXX, they told us to ask GreenTree, as they would n't be able to answer that for us. I contacted GreenTree again, and was once again told that I needed to talk to XXXX.
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I AM CURRENTLY ON HOLD WITH DITECH. I HAVE BEEN ON HOLD FOR 54 MINUTES AND IVE ALREADY SPOKEN WITH 3 DIFFERENT AGENTS WHO KEEP THROWING ME AROUND TO DIFFERENT DEPARTMENTS. 
I AM CALLING FOR STATUS ON MY LOAN MODIFICATION AND NO ONE CAN GIVE ME INFORMATION OTHER THAN I NEED TO TRANSFER YOU TO A DIFFERENT DEPARTMENT. 
I BELIEVE THAT DITECH IS UTILIZING ILLEGAL TACTICS TO CAUSE MY MODIFICATION TO FALL OUT OF REVIEW AND STEAL THE HOUSE FROM UNDERNEATH OUR FEET. 
IF THIS IS LEGAL ITS DEFINITELY NOT ETHICAL.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX To the Dispute Team - Hello I was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for you to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 

Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. 

DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 

Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX It is against the FCRA to report these bogus addresses on my credit report. I have contacted Experian on more than several occasions about this issue and they are the only credit bureaus that are doing this to me. I will consult any legal recourse if this is not resolved. I am not aware of any furnishers reporting this information. But the fact of the matter is that I am stating that these addresses are not my addresses and they need to be deleted ASAP.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. 
A letter was mailed to Experian on or around XXXX/XXXX/2015. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. 
I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On XXXX/XXXX/2015 I received a notice from Experian stating the following : We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 

In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 

If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. 

However, an Experian confirmation number was not even provided on this notice. 
I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. 
I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! 
I am filing this complaint because Experian will not respond to any letters that I am sending in ( I sent in an additional request on XXXX/XXXX/15 ). I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

On my Experian credit report, my address is listed incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. 

Also, Experian continues to incorrectly report that there is a judgment against me by XXXX XXXX in the amount of {$1600.00}.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

In XXXX, I sent a letter to Experian asking them to investigate mistakes on my credit report They are supposed to respond in XXXX days, but I have received no response from them. I have sent follow-up letters asking for my investigation results, but still have received not response from this agency.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

It 's quite simple. I held a junior mortgage secured by a residence where the borrowers ( XXXX and XXXX XXXX ) voluntarily said they could no longer make payments. With their consent and support, I foreclosed and was given a deed by the XXXX, but of course it was subject to the First Mortgage serviced by Green Tree Mortgage. Both myself and my attorney have been trying to get a payoff letter from Green Tree since XXXX XXXX. We have sent numerous e-mails, letters and left voice mails. We have contacted the attorney for Green Tree who is handling their foreclosure proceedings. We have indicated our desire for a payoff letter and our intent to wire transfer the full amount the same day we receive the payoff letter. That attorney, and Green Tree refuse to respond. Every day they hold on to their mortgage costs me money. Furthermore, they will obviously refuse to release them mortgage until they are paid in full, so I am obligated to pay for their " expenses '' of foreclosure including their attorney 's fees. So every day that goes by, my pay-off will be larger due to both accruing interest and their attorney & collection expenses. I believe this is nothing short of extortion. Their claim is that they can not provide me a payoff because I am not the borrower and there is a " privacy '' issue. But attorneys call mortgage companies every single day to obtain " payoff letters '' when an individual simply wants to refinance their note with another institution. This is no different. I simply want to pay them off, in full, as quickly as possible. 
I have intentionally omitted all names and personally identifiable information. But if you contact me, I would be happy to provide it in a secure manner so that you can help me. Please help!!!
Consumer complaint received 2016-05-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (VA)

For nearly 8 years, I worked for Branch Banking and Trust Company, who held the XXXX Mortgage, and a XXXX lien ( Equity Line of Credit ) on my primary residence home. I quit my job with BB & T in XXXX XXXX, and became unable to afford making further payments on the loans. I was divorced from my ex-spouse in XXXX XXXX, and my ex-spouse did not offer any assistance in repaying the loans or settling the outstanding debts. I requested as part of our divorce proceeding that my ex-spouse agree to allow me to market and sell the home ( she moved out in XXXX XXXX ), but she refused to authorize the listing of the home with a Realtor, and she never signed a Separation Agreement. I became delinquent. and then defaulted on the XXXX Mortgage, and the Line of Credit. 
I agreed to deed the house back to BB & T in a Deed in Lieu of Foreclosure transaction, and the deed in lieu was completed in XXXX XXXX. The bank purchased the house for {$430000.00}, and applied the proceeds toward satisfaction of the XXXX Mortgage, which had a balance of {$380000.00}. BB & T sold the home about two months later for {$450000.00}. I believe that BB & T converted the surplus proceeds from the Deed in Lieu to its own use. Nothing I signed contained a waiver of surplus proceeds, and I never agreed to release any claims on the surplus -- I was assured by an Officer of BB & T that the Line of Credit had been charged off due to " lack of equity and accounting standards '' in XXXX XXXX, and the bank officer assured me that the Deed in Lieu of Foreclosure did not need to reference the Line of Credit to insure that the proceeds from the house would satisfy all my accounts at the bank, including the XXXX Mortgage, and the Line of Credit. 
On XXXX XXXX, XXXX, I was served with a lawsuit brought by BB & T on the Line of Credit loan stating that the full amount {$92000.00} was in default and due. But with the credits that should have been applied to my account from the Deed in Lieu of foreclosure, the actual outstanding amount is no more than {$32000.00}, and if the profit from the sale of my home ( an additional {$15000.00}! ) been applied to my account, I would owe no more than {$18000.00}. 
I believe that I was defrauded by BB & T and its officers in the conduct of the Deed in Lieu of Foreclosure transaction, and that I have been damaged by BB & T 's conduct. I do not owe BB & T {$92000.00}, yet they are seeking the full amount from me. I used to work as an attorney for BB & T, and I believe that BB & T is discriminating against me, as compared to similarly situated debtors.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NC)

I am a single mother of XXXX boys. I work hard everyday and live paycheck to paycheck and for years, BBT has been charging me with overdraft fees when a deposit or direct deposit has been made. I have been told that all debits come out first before credits and have tried numerous time to have my fees refunded. I have started taking screen shots with my phone to keep check on my account and have taken my phone to show these screen shots of my account to be told that debit comes out first before credits. I have talked to numerous people that bank with BBT as well as comments left online from other people that bank with BBT that they are gouging people with fees. I am at my wits ends and feel so used by my bank institution. Just so sad and disappointing that these banks feel that they can charge fees left and right from working class people who struggle to make ends meet and some of those are single parents.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (FL)

BB & T is playing a very sneaky game with overdraft fees. I am being told I over XXXX my account on Sunday but my account still showed a positive balance on Monday of over {$100.00} so I spent money. Since BB & T uses a running balance if I spent the money it should not be visible to me anymore. They have confirmed this numerous times. The moment I knew I over drew my account, Tuesday when they emailed me, I deposited enough to cover everything plus {$50.00}. The overdraft fees continue for now XXXX more days. BB & T claims it 's because the overdraft fees were applied on Monday not Tuesday. But I was not notified of that and it was n't even visible to me. So basically there is no way for me to stop dozens of overdraft fees even if I deposit money since they are applying the fees the day before the charges clear. I have emails verifying the transfer of money and the overdraft fees being applied including exact times.
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

On XXXX/XXXX/2016, US Bank sent me a letter stating that, I owe them {$1200.00}, they already closed the account, but I 'm the one responsible to pay them back. It was really out of blue, cuz I 've never opened an account with US Bank. So I went to the US Bank Branch in XXXX and found out the account was opened online, and I immediately assumed that my former roommate XXXX XXXX XXXX XXXX did it as he was arrested for Identity Theft and Commercial Crime on XXXX/XXXX/2016. After his arrest, we found images of my Social Security Card and Drive License along with other victims 's on his computer. So I explained all this to the Branch manager and opened a claim for fraudulent open account. During investigation while I was there at the Branch, the Branch manager pulled out records of a few deposited checks in that closed account, including fake checks which XXXX XXXX made himself and a stolen paycheck from my neighbor. So I asked the Branch manager for copies of the check images for me to file a police report with, but she refused to give them to me, her excuse was that she did n't have permission to which was an obvious lie as they claim it was " my account '', why would n't she and I have permission to access " my own account ''? Anyway I left the branch after I filed the claim. Upon request, I followed up with my statement and a police report I made a day after at the XXXX Branch. But after a week or so, US Bank sent me a letter stating that, they closed the claim not in my favor, the accounts were not open fraudulently, and it is a civil matter between me and my roommate. After that I called US Bank many times to ask them for explanation, they could n't even give me any detailed explanation but was only basically saying that it was my fault for having allowed my roommate to gain access to my personal information, which seems like total nonsense to me. Then I asked the supervisor of the claim department over the phone to provide evidence they have to prove I was really the one who they believe opened the account, but she came up with excuses trying to avoid getting into that conversation. 
I, Ran He as a victim is being treated unfairly by US Bank whom does n't care about right or wrong, but is only concerned about regaining their loss. To me, this is not only about money but also justice that needs be justified and solved in a righteous way!
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (TX)

US Bank removed XXXX of the benefits of their Club Carlson Premier Visa Card, for which I can book a reservation with points at XXXX XXXX properties and get XXXX night XXXX. 

US Bank refer to this benefit as : Bonus award night exclusively for card members '' '' enjoy all these benefits after paying {$75.00} annual fee. 

They did not offer any compensation for removing this benefit after I paid the {$75.00} annual fee in anticipation of receiving this benefit.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (WI)

I have been added to a credit card account that I did not request to be added to nor did the person whose account it was request I be added to. I am now a joint owner of another persons credit card account when all I did was apply for new credit. I spoke with US Bank Manager XXXX XXXX Employee # XXXX and he said there is nothing he could do to resolve the matter.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (CO)

At some point before XXXX/XXXX/2015 someone stole my credit card information and created a new duplicate card. While I was at work on XXXX someone went into a XXXX XXXX store and charged {$1000.00} onto my credit card. I found out while monitoring my checking account on XXXX and immediately called my bank. They had even shut off my card because the thieves tried to take even more money. I filed a claim. They bank told me they would refund the fraud charges in 7-10 business days. I filed a police report and received a new card. Despite multiple calls ( XXXX ) and assurances from US Bank that the funds would be credited to my account, it is now the 11th business day, and no refund. Also, they reported a balance to my credit bureau which I NEVER maintain. Upon contacting the Bank this morning they admitted my dispute was NEVER EVEN ASSIGNED to anyone for review despite repeatedly telling me it was under review and the refund was pending. Now when I call them again they 're telling me another ten days. They never even asked for the Police report or Fraud Case numbers which I have, yet they advertise that you 're not liable for fraudulent charges on their XXXX advertisements. On my phone call on XXXX/XXXX/2015 the Customer Service agent REPEATEDLY assured me that the funds were pending a refund and WOULD BE CREDITED TO MY ACCOUNT on XXXX/XXXX/2015.
Consumer complaint received 2016-08-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

US BANK mishandled a possible refinance that I applied for. They never kept me informed with the process or the people involved. I would just receive emails from multiple people requesting documents. Every contact was initiated by me. The only time the loan officer called to talk to me was to get my debit card information to withdraw {$390.00} application fee. I became exhausted and frustrated with the process of not being informed, processors and officers changing. The appraisal was done and 2 weeks after I received the report I emailed the loan officer to ask why I was n't hearing anything from him and he has the nerve to say he was going to send me the report! I told him I was no longer interested in refinancing because he obviously did not know what he was doing. I do n't hear anything for 2 weeks then another unknown emails me requesting more documents! I told them the same. I cancelled. On XXXX XXXX or around I saw that my XXXX account had been debited {$500.00} by US BANK without my authorization! Now I am out {$890.00} for nothing! Please help me rectify this situation. XXXX XXXX