davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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. (MI)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The laws listed below according to the " FCRA '' Fair Credit Reporting Act, is what the creditors and credit reporting agencies/bureaus are in willful violation of. 

1. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

2. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

3. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Information added to complaint IDs : XXXX I have made disputes with XXXX, XXXX, and Equifax for the collection account inaccuracy reported by XXXX XXXX XXXX from reporting 3 different account numbers to the credit bureaus in XX/XX/2022. 

XXXX  account number reported : ending in XXXX XXXX account number reported : ending in ending in XXXX Equifax account number reported : Ending in XXXX XXXX, Equifax, and XXXX have failed to investigate the accuracy of this collection.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (OH)

Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX . 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : Equifax Complaint : After disputing and providing official, accurate and complete documentation with Totals paid and Payoff amounts met as requested by XXXX/XXXX. XXXX. Equifax will ONLY agree to publish inaccurate information provided by XXXX/XXXX. XXXX. 


XXXX XXXX. XXXX
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: High Point Asset Inc ()

XXXX calls to phone number reassigned to us 6 months ago. Previous phone number owner named in complaint. Told agent he had wrong number and he agreed to remove us from further calls, but calls continue. Fed up with their calling.
Consumer complaint received 2015-09-24
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (CA)

I got a Heloc loan for XXXX, ( which is a line of credit ) from Citi Bank. I 'm notsure anyone at the CFPB knows what a HELOC is or how one of these loans works, but the lender did a great job in turn time. easy process at the bank. the problem was all the forms the govt has dreamed up, that must be sent to the consumer and then read and signed. I did not understand any of these govt produced, attorney produced forms, and it would take three weeks to read them all. The mortgage process as defined today by the fedl government is broken and confuses me to death. Could you please abolish your existence and let smart people run this business? For god sakes, I do n't want any more forms created by you to safe guard me. I can handle myself. I don t need XXXX of you to look after me anymore and I don t know how we can pay all of you. good god man, think about it. Your killing us. PlEASE stop making rules for banks to comply with. Citi bank told me they now have hired XXXX compliance officer and attorneys to run their compliance department. to offset their costs they have raised my fees on checking and wire transfer and interest rates on car loans and consumer loans, to justify the cost increase. So little old me, gets to pay more money, for you to protect me! You are killing us out here! 

Please back off! 

XXXX XXXX.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (RI)

Macy 's credit card always paid in full has a XXXX balance. I get an email for a purchase on XXXX XXXX 2016 for a purchase I made in XXXX NY. Knowing I have never been to XXXX I contact Macy 's, they close the account and open a new one and file an investigation. XXXX XXXX I get a call stating I am late in payment. Macy 's internally has taken past payments and fraudulent charges applied it to new card and then report to credit bureau that i am 30-60 days late in paying as they took my earlier payment from XXXX off of the original account.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

I called Macys, last year on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, besides other times trying to dispute a Macy 's account which was opened in XXXX just before the hurricane in XXXX. Speaking with the customer service who kept this account valid fromXX/XX/XXXX through XX/XX/XXXX.Constant calling and speaking to several different people. I spoke to very upset when the account was transferred to Bloomingdales at one point. I am a Victim of ID Theft in XXXX, XXXX, XXXX which is when I filled a police report with account ending in XXXX. I sent so many inquiries to ask for them to update investigate and delete. Macy 's ignored my response and kept this account on my credit file. I asked them if I could apply for another credit card, because of my credit file with credit bureau 's was destroyed.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

I have my 30 year fixed mortgage at 5.5 % with Citibank. I have been a XXXX of theirs since 2008 and pay my mortgage on time every moth. Two years ago when mortgage rates dropped near 3 % I applied to refinance my mortgage and they said no. Why? Because my ratio did n't work for them. I had steady income, albeit not a great salary. I could have really used that break to help me put more away in my savings. I had quite a bit of savings and other assets. My friends whose salaries were very healthy took advantage of these great rates and they now they are sitting even prettier with lower interest rates and low mortgages but the folks who really needed the help were flat out denied. Citibank gave me a mortgage when I was unemployed in 2008!!!! My husband had just left with all of our savings and I was barely getting by on food stamps but Citibank wanted me as a customer and gave me a mortgage! I have never missed a payment. 

Shame on Citi. I would never recommend to anyone going with such a large institution with a very small heart.
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

Hello I opened a Citi gold checking account with XXXX thank you points promotion. 
After I met all requirement, I sent a message to the Citi bank to confirm the points. 
Citi bank told me that I have to wait 90 days to get points ( which the end day is XXXX XXXX ). I sent another message after 90 days which the checking opened. Then citi bank told me to wait another 30 days. After that, I sent message by XXXX XXXX and the Citi bank told me that I will receive the mail in 3 or 4 days. By XXXX XXXX, I do not receive any response from the Citi bank. 
As a 7 years customer, I really disappoint from Citi bank. 
By CFPB 's help, I hope I can get my XXXX points which the Citi bank already confirmed. 
Thanks for your help.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

WORST CUSTOMER EXPERIENCE. Citibank became to provider for my XXXX Credit Card. I have called their customer service 15 times today, XXXX/XXXX/16 and gone through an identification process only to have the call be disconnected and have the automated message say, " sorry, call again later. '' Citi is unable to provide the information I need regarding my credit card and personal finances -- I have billing and credit report questions.
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DE)

On XXXX/XXXX/16 I opened a Citigold checking account with an associated offer promising XXXX points ( valued around {$500.00} ) after meeting the promotion terms. I met those criteria and confirmed on XXXX/XXXX/16 via chat with a Citi representative that I had met the criteria. The agent told me to expect the promotional XXXX points to be deposited into my account within 90 days of completing the requirements. After the 90 days had elapsed I contacted Citi to inquire about the promotional Thank You points which had not yet been deposited to my account. Citi responded by claiming there was no promotion associated with my account at the time it was opened. I have a copy of the promotional disclosure when the account was opened and saved the conversation with the Citi agent who confirmed the promotion was associated with my account and that I had completed the terms. It is my belief that Citi has engaged in deceptive marketing practices to lure customers to open the high price ( $ XXXX/month ) Citigold product. I do not believe Citi should be allowed to continue this behavior of attracting customers with promotions and after the customers have fulfilled their terms suddenly refuse to honor the promotion. I very much appreciate any effort to resolve this issue and prevent Citi from continuing this behavior. Thank you.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TN)

I enrolled in medvance institute in XXXX. They mislead me about student loans. They stated I could relieve quite a deal of money back by them submitting all the paper work in themselves instead of me paying in full or taking out a personal loan. The cost to attend this school was, {$860000.00} in XXXX. 
I believe I was mislead by this school on student loan.My loan was then sent to Navient. 
At the time the o was out of work then only could find part time work. Navient always revered my to forebarrsnce. Presenting it as a better option for me because I could not afford the XXXX payment a month. They never have me options of income driven plans. Or divided the huge accusation of interest. I feel they did not take the time to talk to me about ALL my options. Today the loan is {$25000.00}. I work full time and can pay a monthly payment. The payment they want is about XXXX XXXX a month which is something I can not afford so I enrolled in the income plan. It now is XXXX a month and of course that barely goes to interest and the keep tacking on XXXX a month because I could not pay a past dues amount that accumulated when the income driven plan took longer time to get approved then the generation of monthly payment. So now I am almost XXXX past due and a monthly payment of over XXXX due to XXXX in last fees each month. Barely nothing goes to interest. In XXXX my payment starts to go up to over XXXX a month. I am horrified my principle loAn is almost XXXX more now. I feel Navient steered me into what was easier for them and was better for them to receive more money. I wish they would have taking the time to really discuss things with me. They are always hostile when I attempt to contact them and discuss loan details. THEY CALL ME EVERYDAY EVERY TWO HOURS. WHICH IS HARRASMENT I now make a payment of XXXX a month hoping a small amount will go to the past due. They have informed me to take out a personal loan to catch up. Instead of giving me a payment plan to do so. 
The point of this complaint is started with the original loan pressure and lack of explanation and now Navient 's handling and fauie to take the time to communicate details and pressure of forebarence My complaints fits most all of the Catagories listed
Consumer complaint received 2016-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC ()

I graduated from XXXX XXXX in XXXX XXXX Illinois, for XXXX in 2012. After I graduated I began making payments to XXXX. The school did help me find a job, but the job was not for what I went to school for. I was working for a XXXX, instead of working in a XXXX. My monthly payments started affordable, and then went up to almost {$200.00} a month, where I would fall behind. When I did fall behind, they transfer my loan to another company called University Accounting Services, LLC. Where my monthly payments were still high to catch up.
Consumer complaint received 2016-02-18
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (DE)

XXXX, heath care provider had an outstanding balance of XXXX from my XXXX. I was not contacted about this debt via mail or phone and was then sent to collections. Transworld systems inc is now harassing me about a debt I am will to pay but was not made aware of. XXXX admitted they had incorrect contact information for me. The mistake that was made by them has now caused my credit to be damaged and me to be harassed inappropriately. I have agreed to pay {$50.00} a month to catch this up and have done so to date. Yet my credit is still being affected and I am still being harassed. I have also been told the late fees and additional collection charges would be waived but they have not.
Consumer complaint received 2016-06-21
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: GVA Holdings, LLC (PA)

I called cash fairy loans saying I needed payment lower because hours were cut back at work. They would n't do that. Said loan was based on my income. So I called to get address for them so I can send letter asking not to deduct next payment and I would mail payments. Would n't do that either said I had to get prepaid card and call with information. So I called XXXX bank and stopped authorization of payment but they said they may try to take out under different name. Said I may have to close my account to stop them.
Consumer complaint received 2018-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NC)

Due to unforeseen family issues we fell behind on our mortgage payments in XX/XX/XXXX. After months and months of going back and forth with Flagstar Bank we were able to get a loan modification in XX/XX/XXXX. Our first payment of {$1500.00} was due in XX/XX/XXXX and was paid on time. Everything was fine until XX/XX/XXXX when Flagstar sent us a notice that our escrow account was underfunded and that our new payment would be {$2000.00} per month starting in XX/XX/XXXX. This new payment included home owners insurance issued through Flagstar at {$180.00} per month plus the escrow shortage. We had sent them proof of insurance in XX/XX/XXXX and then again in XX/XX/XXXX but they continued to insist we needed to pay the {$180.00} per month. I have a problem with the fact that in late XX/XX/XXXX they go to all the work of a loan modification but didnt look at the escrow account to make sure that it would be properly funded and 4 months later raise our payment by 32 %. 
As we tried to come to an understanding about what they thought we owed and what we thought, we continued to make our original agreed upon payments of {$1500.00} per month. At the time, we did not have the means to pay a lump sum or the extra 46 % increase due to a slow down at my job, so they sent back our XX/XX/XXXX & XX/XX/XXXX payments and started foreclosure proceedings. 
In XX/XX/XXXX I sent in a completed loan modification package for their consideration. Last Tuesday, XX/XX/XXXX, we received a letter from them saying that we were denied a modification because we did not make 12 payments on our previous modification to qualify for a new one.  They also stated that we had recovered from our income shortfall and no longer were qualified for a forbearance. I feel that Flagstar sent back our XX/XX/XXXX & XX/XX/XXXX payments so that they could make this claim, if the occasion ever arose. 
I have recovered from my loss of income and in fact make more now than I did when we were approved for our initial loan modification, but Flagstar seems more interested in Foreclosing than working with us. I have filed a Loss Mitigation Appeal with Flagstar on XX/XX/XXXX ; they said they would give us an answer in 30 days. We need someone other than ourselves to step in and help Flagstar Bank do the right thing and not try and take a home we have been in for a long time.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

After finding additional information, I 'd like to revise my earlier complaints ( XXXX and XXXX ). Green Tree 's reporting of incorrect information on my current credit reports at all XXXX agencies is worse than I thought. On my current credit report, they have incorrectly reported the date of last activity and the account closed date. Those listed on the attached XXXX report from 2010 provide the correct dates. I believe Green Tree is willingly and knowingly reporting incorrect information to the credit agencies.
Consumer complaint received 2015-06-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

We took out a XXXX mortgage with XXXX, we missed a few payments so they sent our loan to a collection service. Which has been transferred many times. We are now with Green Tree Servicing LLC. When I log on to their website there is no account set up for us, so I am unable to even look at our account, I was able to pay by phone for the XXXX XXXX payments then they told me that the state of Colorado does not allow them to collect by phone, then they wanted me to set up a way to pay through our bank so that the bank could just send the payment when I requested. I could not even set that up my bank did not recognize Green Tree 's system. Now I have been told to send my payments via XXXX or XXXX XXXX, I was only able to get that to work XXXX. I now make my payments via money order. When checking my credit report it shows in the remarks charged off account. After going thru all the difficulties just to pay this debit off I am wondering if Green Tree Servicing LLC is a Legitimate company. I received a letter dated XXXX/XXXX/2015 in reference to Federal and state law prohibit certain methods of debt collection and require that we treat you fairly. If I have a complaint I can contact the Federal Trade Commission.
Consumer complaint received 2016-10-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I am a real estate broker and have a property listed ( short-sale ) XXXX XXXX XXXX, XXXX, Ca. The negotiator/closer approved the short sale last week XX/XX/2016 with a closing to happen XX/XX/XXXX, this Friday with the current buyer. 
I made DiTech aware that this is a short time to close. Today I requested an extension on the closing date to remove some liens off the title of the property that we are awaiting clearance from the lien holders, and they denied my request saying they will not extend this close date because property foreclosure date is on XX/XX/2016. I again asked for an extension of XX/XX/2016 since it 's before XX/XX/2016 and they denied it. 

The sellers and myself have done everything possible to avoid foreclosure, and it is unfortunate DiTech is not reasonably cooperating.
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

While this company was called XXXX, I entered into a loan modification trial period that promised a loan modification at the end of a three month trial period, if I met the criteria of the agreement. XXXX, and the end of the three months, then claimed they had not gotten all of the paperwork form me ( which was not true ) and continued to accept modified payments and request documents, over and over, for a period of over two years. After the 25-month trial period, XXXX rejected my loan modification application and claimed I had not paid as agreed. They reasoned that I owed the difference between the modified payment and the contractual payment, and all the arrears, including late fees and legal fees, were due immediately to avoid foreclosure. I asked for a type of work out that could catch me up over time, they refused. They foreclosed, even though I had made every payment in full and on time, and had provided all documents promptly, over and over. At court, XXXX and their attorney from XXXX Law XXXX, did not convince the judge that I had been delinquent, so they introduced last minute evidence, the Collection Notes, which I had not seen, to claim I had not provided documents as they requested. The defense was not allowed to read said documents until the trial was over. After the trial, I read the Collection Notes and found that XXXX and their attorney had not only received the correct documents over and over, but that they made up reasons to reject the documents, ofter making up reasons. I appealed, but the appellate court took the position that the case needed no review. I then put forth a motion to overturn the verdict in the Interest of Justice, because the Plaintiff had lied in court ( please see CFPB complaint # XXXX ). XXXX response was to transfer the servicing to a new company, Ditech. Ditech then moved to set a sale date for my house, even after becoming aware that XXXX had lied in court that even though there was an open motion on the desk of the presiding Judge. 
Please note that XXXX is under Administrative order File No. XXXX. This order was issued because XXXX did these types of things, habitually, to their borrowers.