davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

I was approved for a repayment plan in XX/XX/XXXX. I became unemployed after the repayment plan was approved and was instructed by a supervisor to write a letter stating that I would like to be considered for the unemployment plan instead of the repayment plan. The supervisor never told me that if I wrote that letter for unemployment that the repayment plan would no longer exist for me. I was denied for the unemployment plan due to me not living in my home which the supervisor did not explain to me either. You have to live in the home to qualify for certain programs with this mortgage company. I spoke with a supervisor on XX/XX/XXXX and her name is XXXX - ID # XXXX. She told me that she was going to send a note to the underwriters to add the repayment plan back to my account. I called the mortgage company on XX/XX/XXXX to follow up and make sure that the repayment plan was back on my account. The repayment plan was added back on that afternoon and I spoke to a SPOC representative by the name of XXXX ID # XXXX and she put in a request for that information to be emailed to me. I received a call on XX/XX/XXXX from a representative of Freedom Mortgage and he said the call was to follow up with me to let me know that the email was being sent to me regarding the repayment plan being back on my account. This morning, XX/XX/XXXX, I received a call again from Freedom Mortgage instructing me that there was not a repayment plan in my account and I would need to submit a new packet for modification. I asked to speak to a supervisor which ended up being the same supervisor XXXX that I spoke with last week. She also stated that the payment plan was not active on my account and again, she would send a note to underwriting for verification. This process has been very confusing to me and I need help on how to resolve this issue before my home is placed in foreclosure.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

Dear CFPB Team, I am writing to formally dispute a collection account that is being reported on my credit report by National Credit Systems. Per my credit report it shows a collection in the amount of {$5900.00} for account number XXXX originally reported on XX/XX/year>. This account does not belong to me, and I have been attempting to resolve this issue since XX/XX/year>. 

Despite my repeated requests for proof of this alleged debt, I have yet to receive any documentation substantiating the validity of this account. As a consumer, I have the right to challenge inaccurate information on my credit report, and I am asserting my right to request the immediate removal of this collection from my credit history. 

I kindly ask that you investigate this matter and assist me in ensuring that this erroneous collection is removed as soon as possible. Attached to this letter, you will find documentation of my correspondence with National Credit Systems regarding this issue. I sent my letters requesting proof of receipt and have also included the copies from National Credit Systems that confirms they received my letters. Per law, they have 30 days to provide me documentation of the debt, which I still have not received.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION (MI)

When I opened this card account with Navy Federal Credit Union in XXXX, XXXX, I was offered a low interest rate for a year on balance transfers made with the opening of the account. All was well and good, until the promotional period ended. I thought it odd that the interest charges didn't fluctuate as the balance should have continued to go down. 

I recently inquired as to why the balance on this balance transfer has never gone down one penny since the end of the promo period ended. I was informed by the Credit Union that, now that the interest rate on both the balance transfer and purchases are the same, the balance transfer balance will not be paid off until ALL purchases, past and present, are paid in full, even though I am making more than the minimum payments. So now, I pay the same amount of interest on this balance transfer every month, no matter what. They only apply enough of a " payment '' to keep it static and not to pay down the balance. 

It has remained at the same amount since XXXX of XXXX, and they collect the interest fees on it, despite the fact that I am not allowed to pay down the balance. None of this was explained to me when I opened the account. It was only after I inquired as to why it was not going down did an agent explain that it would not until ALL purchases were paid off. I feel like this was a bait and switch by this credit Union. I have never been late on a payment either.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I open an account on Sunday in Bank of America, after approved, I added my direct deposit, they closed the account without saying or sending me an email, calling me, nothing. My direct deposit went through and they refuse to give it back until 10 business days.
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (NJ)

I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and according to 15 usc 168i5 I waited 30 days and received my investigation and notice was still the same. the consumer reporting agencies which is XXXX, experian and XXXX did not modify or removed anything late payments are not correct please i would like you to remove the late payments which is a violation. this is impacting me from moving forward to buying a house for my family i attach my previous credit report and my new credit report to show how experian violated my rights the date open is no correct.date las active is not correct on all three credit reports, date last payment is not correct on three credit reports
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (AZ)

I AM A VICTIM OF IDENTITY THEFT AND fraud. 
Read attached # XXXX XXXX Police Report Identity Theft Report against Lexis Nexis and XXXX and XXXX XXXX and credit reports -- all hackers have taken over my Social Security # & destroyed my credit and lie to credit bureaus by accessing DATA BREACHES is illegal and XXXX  account take overs.
Consumer complaint received 2020-01-24
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$32000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I have had a high interest loan with Netcredit.com, since XX/XX/XXXX. I have always had access to their website to review my account information. Payments have also always been made on a monthly basis. 

In XX/XX/XXXX, I started to notice that the website was down. Each time I logged in, I would continue to receive a message that stated " Whoops, something went wrong. 
Please try again. Or call customer service at ( XXXX ) XXXX. '' Since XX/XX/XXXX, I have had absolutely no access to my account information, yet Netcredit continues to deduct my account on a monthly basis for payment. I have called at least once a week, with only to be left on hold for over an hour - and only having an automated message to listen to. 

I have also sent them several emails thru their " XXXX '' email with no response. The first email sent was on XXXX, and since then I have sent XXXX emails asking for follow-up with no response. 

Since this loan company has essentially " disappeared '', I have contacted my bank and temporarily stopped payment until I have access to my account information.
Consumer complaint received 2020-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (TX)

AROUND XX/XX/XXXX. XX/XX/XXXX, I SUBMITTED A REQUEST VIA MAIL ASKING FOR A FULL AUDIT OF MY STUDENT LOANS ACCOUNT # XXXX, LOAN # 'S XXXX AND XXXX, I HAVE YET TO RECEIVE A RESPONSE. IT IS MY BELIEF THAT THE PAYMENTS MADE THUS FAR, HAVE NOT BEEN ALLOCATED APPROPRIATELY, LEAVING A BALANCE THAT EXCEEDS WHAT IS ACTUALLY OWED.
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

1 Payment that was made was not credited correctly. {$180.00} int. {$130.00} principle 2 Deceptive practices ( I tried to elaborate on what the contract says about waiving up to {$500.00} and the deductible of the primary insurance and I was told that was only if there were a {$1000.00} deductible. I pointed out to them that my contract stipulates my deductible can not go higher than {$500.00}. So I was told that the clause didn't pertain to me only people with a {$1000.00} deductible. I was first told by XXXX XXXX and then I insisted on speaking with a supervisor. Thats when it was confirmed to me my XXXX XXXX. 

I purchased my truck on XX/XX/2019. My first payment was due XX/XX/2019. I made my payment on XX/XX/2019. I got into a accident and totaled my truck, on XX/XX/2019. I was fully insured and I had GAP. XX/XX/2019 {$9800.00} {$10000.00} bal {$310.00} payment principle {$130.00} interest {$180.00} {$9900.00} bal {$9800.00} paid by insurance {$91.00} bal GAP should've covered this. 

I tried on numerous occasions to resolve the matter. I was told that they would let me settle it at {$300.00}. When I would ask a question I was talk to like i was some XXXX. I asked why gap wouldn't cover the balance and they told me because I was behind in payments. 
A hard inquiry was added to my credit report by AUTOMOTIVE CREDIT CORP on XX/XX/2019 XXXXWHY WOULD THEY RUN MY CREDIT AGAIN? XXXX I bought my XXXX XXXX XXXX on XX/XX/2019. I paid {$590.00} for GAP. The 48 month term that I signed started XX/XX/2019. My vehicle was totaled in a accident. Someone slammed into the back of me that didn't have insurance. The accident date was XX/XX/2019. According to the gap contract it will cover the balance of the loan. My insurance company paid it off in XXXX. Automotive Credit Corp told me that gap wouldn't cover it because I was behind in payments. I went through 3 different people and no one would listen. Finally the supervisor of the insurance part tried to convince me of just a bunch of XXXX. In the waiver it states " ( A ) If the vehicle is protected by insurance, lender will waive the GAP amount and the waiver shall include the primary insurance deductible up to {$500.00}. 
I tried discussing this with them and I was told that it was for people that had a {$1000.00} deductible. I asked where is this disclosed? And then emphasized that in my contract it states that I can only have a {$500.00} deductible. 
Then my credit was ran by them. This happened for no reason and I didn't authorize it. 
They also did the interest and principle wrong. it should've been {$180.00} interest. 

They have reported that I was 120 days late. Then because of disputing they had to remove it and changed it to 119 days.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (GA)

I have asked equifax several times even sending them a fax as requested to shut down whatever MY Equifax is. I did not sign up for it, some one put a hold on my credit using thier service and has complete access to my information. The sent a letter by mail that there was nothing to cancel because i have no account. an emaili recieved today that had the following disclosure at the bottom " You are receiving this email because you have a myEquifax account. Please do not reply to this email. For help or support, contact the Equifax Consumer Care team at XXXX. Equifax Consumer Care is available between XXXX XXXX and XXXX  ( ET ), 7 days a week. Or, email us anytime at XXXX. 

They are intentionaly allowing someone to harrass me using my credit profile and refuse to shutit down.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Our original XXXX mortgage was sold by XXXX to Shellpoint Mortgage in XXXX or XX/XX/XXXX. ALL PAYMENTS WERE PAID ON TIME UNTIL SHELLPOINT SOLD TO XXXX XXXX XXXX in XXXX.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

XXXX not sure if what I experienced was corporate fraud, identity theft, or a weird accident. But remembering the XXXX XXXX scandal from a few years ago, it seems possible that XXXX ( or their financial institution, Comenity Capital Bank ) may be engaging in a similar fraudulent creation of customer accounts. 

About a week ago ( XX/XX/XXXX ), my bank alerted me to a hard credit check on my social security number from Comenity/XXXX  XXXX I havent requested any new accounts in a long time, much less from a cosmetics store, and I immediately set a credit freeze with all three credit bureaus on XX/XX/XXXX. A few days later on XX/XX/XXXX, I received a totally unasked-for XXXX visa credit card in the mail. I called and had it canceled/retracted ( on the XXXX, I think ), and XXXX customer support didnt seem to have an explanation for it. In theory, its handled now ; but XXXX a little mistrusting of corporations and thought you should be aware, just in case this is part of a broader pattern of fraud.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After a review of my credit report I found that Transunion is still reporting inaccurate information. Their failure to correct my report is going to cause a delay/ denial in a job for a per employment credit check at a bank I have applied with. In addition their failure to correct my report negatively affects my chances for future credit that I will be applying for. Specifically they continue to report outdated, inaccurate, and incomplete information. 

My current address is as listed in this complaint. 

They failed to correct this in my last complaint. 

XXXX XXXX # XXXX The payment history is inconsistent, inaccurate, and Transunion legally failed to verify. 

XXXX has removed the payment history for this account as it could not be verified. 


In addition to failing to correct my address and other violations they have shown a pattern of neglect. Specifically, No response to disputes, Failure to investigate, Willful negligence. 

XXXX XXXX has also had a pattern of not responding and verifying information. The have an F with the XXXX XXXX XXXX for that exact reason. 
Overview of XXXX Ratings XXXX XXXX XXXX XXXX. 
Reasons for Rating F XXXX XXXX XXXX XXXX. 
Failure to respond to 6 complaint ( s ) filed against business 159 complaint ( s ) filed  against business
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I opened a checking and savings account on XX/XX/24 along with a credit card at Chase bank.I paid my credit card bill before even receiving a statement. When I visited the bank for the first time to withdraw funds, I was treated poorly by the teller and denied access to my money. After requesting to speak with a manager, the person I spoke towho I later discovered was actually the managerclaimed the manager wasnt available. Neither the teller nor the manager provided any explanation for why my transaction was denied, even after asking me a series of questions. I went to another branch immediately & successfully withdraw funds from my account without any issues. I also filed a report against that teller that day. 

About 2 weeks later, I found out that my credit card, checking, and savings accounts, including a custodial account for my dependent, had all been closed. When I asked for more information, I was not told the reason for the closure, except for a note from the teller saying I had been rude to her. I asked them to review the camera footage to prove the teller was being dishonest, but I was informed they would not investigate further or reopen my account. I received no assistance, and I still dont know why my account was closed.
Consumer complaint received 2020-05-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

I told this company they could take this money out on the XX/XX/2020 and again on XX/XX/2020 they tried on XX/XX/2020 the funds was not there's they went into my account on XX/XX/2020 without any kind of notice so I called them to ask if they would put the money back because it was the money for my XXXX XXXX XXXX medication and my XXXX and they told me they would not put it back. so I'm trying to get my money back. 
.