davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

I have been tryng to submit my Mortgage Assistance Packet to Freedom 3 times now. Each time submitted, I am sending via email and to two ( 2 ) fax numbers, all of which have been opened, per my read receipts. 

I have heard nothing from them, just form letters with contact information and XXXX requests for documents I have already submitted. Nothing - other than this. 

Currently, I am in the hole with payments, and can blame really no one else but myself, as the don't care about my current situation. Per my previous complaint, I have stated that I can not afford the new monthly payment due to tax reassessment. However, no communication, nothing to show that they give a hoot. 
I am sending this complaint for several reasons : 1. To force someone to contact me via email, rather than postal mail, per my request in every note, email and fax I have sent them. Postal mail takes to long, and can be used to XXXX me out of deadlines. 
2. To create a paper trail, which is admissible in any court, showing that I am trying to get help to no avail from Freedom. 
3. I feel taken advantage of, as I am on a fixed income and can not make additional higher contributions to payment, at this time. 

Continued ignoring and lack of communication is a well known tactic, one that often results in a foreclosure. I will not have it, and that is why I am pushing the issue.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

As of today Friday XX/XX/2019 I still have not recieved my diect deposit with Navy Federal, there was no notice sent out to members only a message on social media. Last week, I also tried to reach out to Navy federal in reference to an issue on my account and there banking systems were down for several hours causing me to miss an important flight. Last but not least, I filed a dispsute for a merchant that charged me on the wrong day and I was given provisional credit along which was fine 2 months later the dispute was reversed and when I had no money navy federal took the money out. I have provided documents that state that the merchant did that in error and I still have not recieved my money back.
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (GA)

I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX OF XXXX XXXX ; XXXX OF ED/NAVIENT XXXX ; XXXX XXXX XXXX OF XXXX XXXX ; XXXX OF ED/NAVIENT XXXX ; DEPT OF ED/NAVIENT XXXX ;
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX XXXX like most customers of Navy Federal Credit Union, the deposit of my paycheck with direct deposit was not available for some unknown reason. While Navy Fed worked to fix the issue, they stated on their official XXXX account that the money was posted but was not showing up, quite frankly we were told that we have invisible money. All the while automatic Bill pay, which they push for people to sign up for, was being declined or over drafted. It has been 8hrs since I should have received my direct deposit and I, like everyone else, work hard for the money we have earned. In doing so I should not be nervous about a glitch or something that is going to prevent me from paying my bills on time and then have to suffer overdraft fees due to a problem not of my own doing.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

I am a XXXX XXXX with a paycheck that was disbursed by the XXXX  ( XXXX ) for deposit today, XX/XX/2019. 

The deposit is not reflected in my account. 

Attempts to contact NFCU are futile. Their phone lines are completely down. I cant get any information about why my paycheck that was disbursed is not available to me in my account. This is my paycheck not NFCUs to do with as they pleased. 

I have no over due payments and am not overdrawn. They simply have not posted my pay to me and will not tell me why.
Consumer complaint received 2020-06-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Failed to provide me with how they verified an alleged debt when requested and are in multiple violations that go against the FCRA. They said they verified the debt, how? Did they get on the phone call? According to the FCRA, all reports have to be reported correctly, that's a violation and grounds for deletion. 609a, 1, A and sec 611a, 1, A No Contract with my signature on it. Comply with sec. 111, 5, A FCRA and DELETE that non-valid account immediately or a lawsuit will pursue.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal Credit Union : Direct deposits were not posted and bank is not providing much information. This is the second time in 3 months that they held my money hostage. First time was 5 days before XXXX of XXXX and now XX/XX/XXXX! I have bills to pay and food to buy for my home and am unable to because the deposits were not posted to my account.
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2019-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/19 I sent out a validation dispute to EXPERIAN, XXXX  XXXX XXXX for a collection account from XXXX DEPARTMENT XXXX XXXX XXXX. XXXX XXXX XXXX  EACH HAVE INVESTIGATED THIS ACCOUNT & REMOVED IT. EXPERIAN sent me a letter refusing to investigate this account AGAIN, unless i sent them further information to warrant the re-investigation for VALIDATION of this account. The only problem is I NEVER SENT OUT A PREVIOUS VALIDATION REQUEST!!! There was only XXXX validation request & that was on XX/XX/19. Therefore I am not understanding why they would not INVESTIGATE ( XXXX XXXX FED XXXX XXXX XXXX account. 

Thank You
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (FL)

I have 3 returned check fees reflecting on my account. Also my direct deposit didnt post in my Navy Federal Credit Union checking account. This is unacceptable and sets me back on all of the bills I planned to take care of today.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (OH)

I bank with NFCU Navy Federal credit Union Today Is payday Friday XX/XX/19 my checks normally deposit at XXXX every Friday .. Today I have not seen my check .. navy federal claims the money has deposited its just cant be seen ( Via XXXX ) .. Which I feel is unprofessional this problem shouldve been posted on there website to inform everyone who banks with them.. I have bills to pay today which are now late and I have late fees.. navy federal did not handle this in a professional matter.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (VA)

The amount of {$14000.00} was reported on my credit report by Cedars Business Services I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted from my credit report.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/19. I should have had a direct deposit from XXXX, my paycheck as a civilian XXXX employee. Last night, the transaction was showing as pending ( which is normal for a Thursday night ), and this morning, it is showing as neither pending nor deposited. Not only am I unable to access funds, but the customer service phone line is not working. I learned through social media that Navy Federal knows there are problems with deposits, blame it on tax returns incoming, and have not given even a ballpark timeframe of when it will be fixed. I understand that things sometimes happen, but this is the second time recently, and the company is unwilling to speak to customers about it. I assume other banks are also being hit by tax returns, but only me and other coworkers banking with Navy Federal have had problems.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

Direct deposit of both my private employer payroll and my federal deposit were lost entirely this morning ( XX/XX/XXXX ) despite showing as scheduled transactions yesterday ( XX/XX/XXXX ). While I am aware of an alleged technical malfunction causing widespread deposit delays, this was only mentioned in XXXX commentary made by Navy Federal Credit Union. No formal statement was issued on any platform. The customer service number they tell you to call is not working. Any form of contact to verify the issues and find out a timeline for resolution are met with a blanket statement telling members to call the malfunctioning customer service number. Further inquiries are then ignored entirely. This is grossly unacceptable - especially when dealing with hundreds of thousands of federal employees financial livelihoods. Further, this is not the first such service and funds accessibility delay in the last 3 months. These issues need to be effectively and permanently resolved and NFCU needs to be transparent with their members about access to our money.
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NV)

Sometime in late month of XX/XX/XXXX I requested an extension for two months of paying my monthly car loan with Chrysler Capital Finance and it was approved to skipping XXXX and XXXX payments and first payment starts on XX/XX/XXXX. I made payment for XXXX, but my payment applied for XXXX which they reported as late payment to the credit bureaus and add late payment charges on my loan amount. The following month which is XX/XX/XXXX, I made two payments which double my monthly payment and all of it was applied to and interest alone and no payment for XX/XX/XXXX if I can recall. There after, although I am making payment on time, I am being reported to credit bureaus as late payment and being charged extra interest added on my loan. This is not the only time I am having problems with this company. In the year XXXX and XXXX, I did also requested the same extension and was granted and did the the same thing. My original loan was at {$24000.00} and my schedule payment is {$660.00} per month and I am still owe a balance of {$21000.00} as pay off. Now my account is in charge off since XX/XX/XXXX and the car is the process of being repossessed.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (KY)

I have navy federal credit union and my direct deposit is not yet available as it should be. I tried calling them and was hung up on after being on hold for about an hour. They have not disclosed any info on their website as to why they are having issues. I need my funds to be available so I can pay my bills today.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

Direct deposit is not pending in account and funds are not available. Can not get a answer from NFCU as to why my direct deposit was not processed and made available to me as today XX/XX/19 is my company pay day. Verified with employer that direct deposit was sent to bank and I have copy of check stub. I have bills setup on auto payment due to come out today and this will cause me to incur overdraft fees.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

XX/XX/19. Pending paycheck was there the day before and today its not being deposited. They said on the phone sometime soon. Thats unacceptable. My funds were pending. This is the second time in 64 days. Navy Federal CU isnt holding up their end of the deal and releasing pending funds. In my case its from my private sector paycheck.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2019, without any input from me as a consumer, Bank of America closed all of my credit card accounts, including some business credit card accounts. Before they were closed, I had a significant amounts of cash back money or points in those accounts. I was told that based on terms and conditions I signed, all those cash-back money/points will be forfeited upon cancellations. I have called Bank of America to point out that I was not the one who initiated the closing. Bank did. It is grossly unfair for a bank to encourage my using of the credit cards to build up those cash-back points to then cancel my cards and took away all those accumulated points and cash back money. I ask that CFPB look into the matter and help me to change Bank of America 's position on this.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need 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 Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-02-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

My home is currently in the foreclosure process. We went through mediation and I was offered a trial modification, I made all of the payments on time and continued making payments after the initial trial period. I was told I would receive a package in the mail when I successfully completed the trial payment plan but never told when to expect it only that it would arrive at some point after the 3 months were successfully completed and that I should continue making payments in the interim. I received the package late since the delivery service did not put it in my mail slot, it was mixed up with a neighbor 's mail. When I finally did receive it, a month later, I returned the completed documents within 24 hours. My modification was rejected stating they hadn't received my completed package. I appealed and was rejected now citing completely different reasons for the rejection. They claimed my income could not support the mortgage payments however I had been making the payments under the trial plan as agreed and continued doing so after the initial trial period. My income had in fact increased by 30 % from when I initially purchased the home. One of the contributing factors behind me falling behind on my payments was that they increased my payments by {$300.00} per month without any notice and when I called to see why my payments were increased they were unable to provide any reasoning. I am a single parent of XXXX so this created an undue hardship in conjunction with other unforeseen circumstances. I am able to pay my mortgage and would like to continue doing so but they seem intent on foreclosure.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

I have disputed some of these before but now I see more. I got a few inquiries on my report inwhich I did not authorize, no where at no time. I very well understand what an inquire is and with that understanding I did not apply for any of the following inquiries and if you can not show me physical documentation of these inquires then you must delete them. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX  ( XXXX ) 6 ) XXXX XXXX XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX XXXX  ( XXXX ) 11 ) XXXX XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: RateGenius Loan Services Inc (TN)

I put in information through XXXX XXXX on XX/XX/2020 at XXXX XXXX. I clicked on Rate Genius 2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I used this chat feature on Rate Genius to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to Rate Genius and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on XXXX XXXX and Rate Genius. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (VA)

I am trying to settle a debt that I have no idea where it came from. The company said they cant offer me a lower amount and I dont have time to continue to play phone tag and keep trying to explain I was a victim of credit theft. I filed a police report and put a freeze on my social security number because of this and other stuff. This is attached to my social and my husbands social. Instead of debating with everyone, I just asked to settle the account. But paying over {$3000.00} is ridiculous when I dont even know what its for. 
The woman at the company was very nice but she said she had to follow policy and that was to only offer me 20 % off. That is insane.
Consumer complaint received 2020-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted 2 disputes to XXXX, XXXX, and transunion for account # XXXX for XXXX XXXX  ( Original Creditor : 08 XXXX   XXXX XXXX XXXX XXXX XXXX ). Twice they have " verified '' this debt ... ..The reporting on their report is supposed to be 100 % accurate and its not. Here I reach out to portfolio for validation of debt as i have no recollection of this debt and they claim I owe {$450.00} as 2 out of the 3 ( XXXX  deleted it ) credit bureaus are reporting that I " owe '' {$450.00} ... ... how are they doing a full and proper investigation when the information is inaccurate? The answer is they have not ... I have attached documents as proof.
Consumer complaint received 2019-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

the company is XXXX  and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.