davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00} XXXXBalance {$0.00} XXXX XXXX-Balance {$10000.00}
Consumer complaint received 2021-12-29
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. (NC)

FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP
Consumer complaint received 2022-07-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (GA)

Okay, flag star bank, had me apply loan modification program, making payments of XXXX in XX/XX/XXXX, for three months trial. I made them they sent me partial claims terms XXXX XXXX with said amount plus3.37500 % interest rate! I sent off after getting it notarized at XXXX XXXX by bank President! I had until XXXX I sent it in XXXX via XXXX XXXX envelope! Now in middle of XXXX Again I received same letter head dated XXXX and said this form had to been done by XXXX. I was confused, I call flagstar, no paper work why this form again with past date XXXX be turn in! Same underwriting of XXXX XXXX, California! NOBODY COULD TELL ME WHY????? I RECEIVED THE PARTIAL CLAIMS FORMS AGAIN! NUMEROUS CALLS, ONE PERSON SAID MAYBE U, OR NOTARY DIDNT DO SOMETHING, SO ON XXXX I CALLED FLAGSTAR TOLD THEM I SIGN PAPER WORK, DURING THE OPEN BUSINESS HOURS XXXX E.S.T. THEY ARE ON C.S.T. THEY TOLD ME THE WERE DOCUMENTED THIS ON COMPUTER BESIDES ALL CALLS ARE RECORD BY THEM! SO I CALLED NEXT DAY XXXX XXXX. WELL I GOT OF HOLD OF XXXX XXXX. IN XXXX, TEXAS TOLD ME THAT PROGRAM EXPIRED ON XXXX XXXX. I ASK WHY Wasn't I informed by flag star staff about this when I was on the phone?? Well we had over XXXX loans amonth, some staff wasn't trained up to par, Now I CALLED every week prior about my status, I was told XXXX XXXX EVERTHING IS OKAY YOUR MAKING THE PAYMENT OF XXXX MONTHLY YOUR GOOD! NOW FLEXI INFORMATION WAS WITH HAVE START THIS ALL OVER AGAIN, I CALLED EVERY WEEK, I WAS TOLD YOUR GOOD, WE HAVE SO MANY, I HAD A LADY XXXX XXXX WHO TILD ME SHE WAS HANDLING MY CASE PERSONALLY! NOW I TRIED TO GET HOLD OF HER, TO NO LUCK, BUT THE PERSON WOULD SAY, YES I SEE HER INPUT ON THE FILE OFF YOUR ACCOUNT, I CALLED XXXX ABOUT MY FILE, I WAS WORRIED ABOUT INTEREST RATE GOING UP, UR PROGRAM WAS APPROVED TODAY, SO ME ASSUMED SAME RATE XXXX XXXX XXXX THAT WOULD BE SAME! I GET IN IT NOW XXXX WITH INTEREST RATE AT4.625 % WITH A XXXX DOLLARS BALLOON PAYMENT AT IN OF LOAN XXXX WHAT HAPPEN IN XXXX WITH SAME BANK IS NOW DOING SAME THING NUMEROUS FORECLOSURES IN THIS AREA BY FLAGSTAR BANK WHICH XXXX XXXX XXXX  XXXX SOLD MY LOAN TO FLAGSTAR WITHOUT NOTIFYING ME PREVIOUS TO SALE? I HAVE UNTIL XXXX, XX/XX/XXXX TO SIGN THIS RIP OFF DEAL OR THEY WIL FORECLOSURE ON ME EVEN THOUGH I BEEN MAKING THE AGREED PAYMENTS, PLEASE HELP ME, I AM TOTALLY SHOCK THEY DID THIS UNFAIR, BUSINESS, PRACTICES WHICH IS WHY UR PROGRAM WAS ESTABLISHED! I LIVE BY A MOUNTAIN MY CELLPHONE DOEST RECEIVE CALLS, BUT MY XXXX XXXX HAS A TEXT ME APP THAT I RECEIVED CALLS, AND GOES TO VOICE MAIL PLEASE LEAVE A MESSAGE NUMBER, EXTENSION GO GRACE OF THE FATHER, AND LORD JESUS CHRIST, HOLY GHOST SPRIT
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I initiated the transfer of {$3000.00} from my Chase Bank checking account to my XXXX checking account, through the " Real-time '' delivery method. I have used this mechanism for transferring in the past ( for at least 2 years ) between the same 2 accounts. 
Transfer was not completed by XX/XX/XXXX, I called customer service from Chase bank, and they said I need to wait another day before they can start reviewing the possible issue. 
On XX/XX/XXXX, the transfer was not completed yet. I called Chase Customer Service, and spoke with several people from multiple departments, including Claims Department, Online Claims Department, Electronic Money Movement Dept, etc. One representative ( I believe from Online claims Dept ) finally acknowledged there was an issue with transfers between Chase Bank and XXXX due to an internal technical issue, and they were working to resolved it. Claim # XXXX was filled. I spoke with a supervisor ( I believe his name was XXXX XXXX, and he assured my the transfer was going to be completed by XX/XX/XXXX, after an additional XXXX business days. 
On XX/XX/XXXX I received a written communication from Chase regarding my claim stating : " We found that the transaction ( s ) was processed according to the information you provided or was authorized. ", however the funds transfer was not completed. I have called XXXX, and they informed me there are no funds being transferred to my account from Chase, and they dont have any information of a transfer. 
On XX/XX/XXXX the transfer was not completed. I called again Chase Bank, and spoke with Online Claims Dept. The representative ( I believe his name was XXXX XXXX, confirmed there is still a technical issue for transfers from Chase on that date ( XX/XX/XXXX ), and that there are multiple customers impacted. However there is no estimate date to resolved it. I demanded my money to be credited back to my Chase account until they resolve the issue, but the representative said he couldn't approve it. I spoke with his supervisor ( XXXX XXXX and he said they could not credit back my money, and I'll have to wait until they resolve the technical issue, but he doesnt know if it would take days, weeks, months or years. He suggested to call the Chase Executive office. 
On XX/XX/XXXX I called the Chase Executive Office, explained the case, and filed another case # XXXX. 
Today is XX/XX/XXXX, I haven't heard back from the Executive office or any of the Departments of Chase bank. My money has been debited from my Chase account ( {$3000.00} ), and not credited to my XXXX account, which is causing me to be late in payments, for which I'll require to pay late fees. This is unacceptable! I demand my money to be credited back to any of my accounts immediately, while they fix their technical issue ( which is not my fault ).
Consumer complaint received 2023-01-27
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (AZ)

1 ) On XX/XX/2022, I boarded the XXXX XXXX XXXX providing XXXX my XXXX XXXX card for incidentals. 

2 ) On XX/XX/XXXX, XXXX, and XXXX, a total of {$29000.00} was charged to my card, most of which went to the XXXX XXXX cruise line in XXXX, Florida. Being at sea, I didn't detect this until I arrived home on XX/XX/XXXX, at which time I cancelled my card with Wells-Fargo bank. 

3 ) My final statement from XXXX did not include these charges and I have no way of knowing whether these were made from the ship. I contacted XXXX XXXX and they denied that any cruises were booked in my name or paid with my credit card. 

4 ) Wells-Fargo investigated and concluded that, by giving my card to XXXX, XXXX had authorized these charges and am therefore responsible for them. This is consistent with the policy on the CFPB website : " if you give your card to someone to use, you have authorized the use. If the person uses the card for a different purpose, that may still be considered an authorized use. You would still be responsible for the charge, until you notify your card issuer that the person is no longer authorized to use the card. '' 5 ) I can't stay in a hotel, or go on a cruise ship, without providing a credit card. How can I be responsible for rogue charges such as this? This $ XXXX was almost double the credit limit on my card so a lower limit wouldn't have helped in this case.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (CA)

2nd complaint - the first response was addressed to someone other than myself - I don't live at or have any knowledge of the address listed on response ( XXXX XXXX, XXXX XXXX, CA ). I did not apply for a refinance, our loan did not process in 2020, nor did I apply with a 3rd person. This response does not belong to me. 

My rate was locked 8 days after updated credit report was generated and discount points increased the day after rate lock with no new information or valid change known at least 3 business days prior. Per the CFPB TILA-REPSA disclosure rule, the lender " may not issue revisions to Loan Estimates because they later discover technical errors, miscalculations, or underestimations of charges. ''
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian has failed to remove the unverified Public Record-Bankruptcy from my file. Experian advised they verified a Bankruptcy associated with me with the XXXX District of Georgia Bankruptcy Court. I have documents supporting that is incorrect and not the truth as they do not provide information to credit reporting agencies. This bankruptcy belongs to someone other than me. I have no association with the Bankruptcy and Experian has failed to provide any documentation associating me with the bankruptcy. Experian is well aware they are in violation of the FCRA to delete inaccurate and unverifiable information within 30 days.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I received an inquiry for work to be completed via email. I responded with an estimate and the client proceeded to fedex an official sun trust cashiers check. I received the sun trust cashier check XX/XX/XXXX. Upon receiving, I deposited the cashiers check of XXXX $ into my local branch and waited 2 days for the check to clear. Once the check cleared I proceeded to follow clients instruction and make payments to his material suppliers {$4900.00} under the assumption bb & t had verified the funds, which included {$2900.00} deposit into a scammers XXXX XXXX account and {$2000.00} into a Bb & t scammers account. On XX/XX/2021 the fraudulent sun trust cashiers check bounces and Bb & t takes my funds immediately rendering me scammed out of {$4900.00}. I have email and texts conversations, photos of fraudulent check and all who were involved. I had a feeling something wasnt right but was sure my bank would spot a fake before clearing the funds into my account especially after the SunTrust and Bb & t merge, I was wrong and payed the price dearly. I have banked with Bb & t for years and have been a loyal small business client. I thought they would have taken Atleast some responsibility on there lack of due diligence.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

For over 3 months weve been going through the process of refinancing a rental condo with Chase bank. After providing them with everything and even having an email from them that everything was approved, the suddenly denied the loan stating that the income to debt ratio did not meet their requirements. They had this information from the very beginning. It seems like the only reason they didnt approve the loan is they didnt want to honor the lower adjusted rate offered with the condition that I transfer money to their bank, which I did. I have an email from them stating everything is cleared and all that needs to be done is for them to make the rate adjustments, and then suddenly they came up with this lame excuse about information they had from day one and had still approved the loan. What they did to me and my sister should be illegal. We went through so much stress and XXXX and provided everything they asked for and only because they didnt want to honor the rates originally offered, they dropped the ball last second.
Consumer complaint received 2023-01-27
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. (NE)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NJ)

I was requested to submit additional documentation by Barclays 2 months ago in order to regain access to my accounts. Documentation was submitted to the satisfaction of the lender, yet I have yet to have my account unrestricted. I spoke with multiple representatives that assured me this had already been done, yet this hasn't happened yet. 

Today, XX/XX/XXXX at around XXXX XXXX  EST I once again contacted Barclays to have all my cards unlocked/unrestricted, 18 minutes into the call a customer security representative tells me he is on hold to resolve this matter and that he can not have my on hold for longer than one hour. I politely explain to the representative that I need this resolved today as multiple representatives have assured me it's already resolved when it is not, and tell him one hour is actually 60 minutes and we are far from that time frame. The representative hangs up on me rudely.
Consumer complaint received 2022-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I XXXX  in XXXX with a XXXX XXXX XXXX and took additional classes in the early XXXX. When I had trouble with an upcoming payment, the servicer, Navient, would automatically enter me into a forbearance for the maximum length and I would take it, rather than going into default. They told me that was the only way, unless I made the payment on time. 

In recent years ( I believe it was XXXX ), I was told by Navient that I could do an income-driven repayment plan only IF I consolidated my loans. I was NEVER told this would restart my payment count!! I've been paying for decades and never would have consolidated had I known it would erase all those years of paying. My balance is now much higher than when I started and I have never been in default. 

Now, it's been over 20 years of paying and the forgiveness offered in XXXX gave me hope. But XXXX just told me only XXXX payments I've made count : ( I'm so devastated. 

How can my servicers repeatedly guide me to options that hurt me and it's ok for them to do that???
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called about the remittance slip on XX/XX/XXXX, a Capital One representative said that they recieved it without a check. I told them I used the remittace slip, Capital One rep said they do not accept those forms a payment. I called again on XX/XX/XXXX and a rep said they will not accept it and will see if they can send it back. I never recieved the returned remittance slip but I recieved a new remittance slip for the XX/XX/XXXX- XX/XX/XXXX billing cycle. I sent that remittance slip in via certified mail on XX/XX/XXXX because now when I call they say they never recieved any form a payment. On XX/XX/XXXX I was transfered to XXXX # XXXX who became upset when he did not understand the process and I informed him that I was told the slip was recieved and would be returned to me. He said it is not in the notes, I told him the notes were not correct, and with that he said that he was going to put the same incorect information in as well. I called back and spoke to XXXX who was very pleasant to speak to and was able to assit with a complaint on his end but I do not know what it said. So we have multiple remittance slips, none of them have been returned and nothing reflecting on the account.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for
consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case XXXX XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

XXXX  dropped my score over XXXX  XXXX  Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And experian No reason given how can a score dropped over XXXX  XXXX  in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX