davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I received a letter from the payroll department last week at work that they had received an order to garnish a percentage of my wages due to an alleged debt that I owed. 

This communication allegedly came to them from from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This was the first I heard about this alleged judgement of Wage Execution and had received no prior communication about it. 

When I called XXXX XXXX I was told that the {$11.00}, XXXX. XXXX debt now belonged to the law offices of XXXX, XXXX and XXXX. I called that office and was told that the debt was from XX/XX/1994 and attached to a XXXX XXXX and that the judgment was against my ex-husband and me. 

I did not take out this credit card and was unaware of any debt attached to it. They have now started garnishing my wages, effective XX/XX/2018 because I am employed and my ex-husband -- who I have been divorced from for nine years -- is not. 

This is not my debt and I was never notified about this debt from anyone. I want the wage garnishment to be stopped immediately. 

I tried resolving this with XXXX, XXXX and XXXX and they told me because my ex-husband has no assets to garnish they are coming after me.
Consumer complaint received 2018-07-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (TX)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX / XXXX, XXXX, XX/XX/XXXX / XXXX XXXX.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$420.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. If you can't VALIDATE the debt then it needs to be removed from my credit report. I have attached a copy of the handwritten letter that was sent certified mail.
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (OH)

I am not the one they are looking for and they still call two to four time a week. The person has not live here for about three to four years ago they told by landlord to move for not paying rent..I told them not to call again I am XXXX years old
Consumer complaint received 2018-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (IN)

Yes I tried for months to get my card unblocked and address change. I did infact get up to the higher reps who sent me a letter to a address i dont even live at anymore. Today they did after months of trying to get my card unblocked sent the letter to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXX. But I feel entitled for my card to be reopen if it is closed becuse i couldnt log on online banking to pay my card and i didnt even get to use it alot. I feel owed a credit and my credit card back current and open. The last four digits of the card i been trying to get unblocked at citi bank forever is XXXX. My name is XXXX XXXX ssn XXXX XXXX XXXX DOB XX/XX/XXXX
Consumer complaint received 2018-07-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

When applying for my mortgage I was advised that my Navient student loan was showing delinquent for earlier this year. I was confused as this account has been in deferment. I quickly contacted Navient and they advised me that it was indeed an error and would be correcting the deferment ASAP. They will not provide me a letter stating the correction was made other than the account is now back on deferment. They stated that the credit history would be corrected on the next reporting. The problem is, Navient only reports once every quarter which is too long because my home will be ready in less than 30 days. They advised me to place a dispute with the bureaus, which is ridiculous as the error lies with them not the bureaus.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In XXXX, XXXX, XXXX of XXXX I began noticing odd charges on my credit card. I notified Capital One via letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again this year twice, the first time in XX/XX/XXXX and then again recently in XX/XX/XXXX. I've gotten ZERO responses other than them sending me correspondence informing me that because I DID NOT inform then with 6 months of the charges I was not allowed to dispute the charges!! I did notify them, with 30 days or less, or each and every single charge. In XX/XX/XXXX, I even sent them copies of each letter along with copies of the statements showing the charges in question with only a response to one charge for {$100.00} which was done XX/XX/XXXX. 

There are 7 charges total that come to {$890.00} and were done as follows : 1. XXXX on XX/XX/XXXX to XXXX XXXX 2. XXXX on XX/XX/XXXX to XXXX XXXX 3. XXXX to XXXX on XX/XX/XXXX 4. XXXX to XXXX on XX/XX/XXXX 5. XXXX to XXXX on XX/XX/XXXX 6. XXXX to XXXX XXXX on XX/XX/XXXX XXXX. XXXX to XXXX XXXX on XX/XX/XXXX The one and only charge reversed so far has been {$100.00} to XXXX. NONE of the others have been remedied and I've incurred late fees, excessive interest, and damage to my credit as a result of this. I've been undergoing a medical problem for the last 1 1/2 years that prevents me from speaking on the phone so hence the constant letter writing. I've not had the ability to work so I've not had the ability to use and pay the card, yet because of questionable charges AND Capital One ignoring my correspondence I now have damaged credit and debt that I can barely afford to pay. 

This has gotten beyond frustrating at this point.
Consumer complaint received 2018-07-06
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. (NY)

Went on annual credit report to get my free report after having a big problem I wanted to call the CEO of Experian but XXXX what there not in the United States there in XXXX this is wrong no wounded we getting hacked this has to be shut down the credit agencies need to be here in the UNITED States not over seas
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: STERLING BANCORP (NY)

XXXX XXXX XXXX ( XXXX XXXX XXXX, USA ) was recently taken over by Sterling bank and they are now going to charge XXXX $ a month for mailing paper bank statements. 

This is my mother 's bank account. She is over XXXX and has had a XXXX. She doesn't have email, nor can I teach her how to appropriately deal with the electronic records. 

Physically changing banks is hard for her due to mobility issues - she has been banking there for 50 years and it is close to her. 

I am sure a " reasonable '' fee may be charged, but this doesn't seem like a " reasonable '' fee to me. 

We tried talking to the bank but they don't care - she doesn't really have a large account
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was sent a solicitation by Bank of America to refinance my mortgage. I would like to do so. This would reduce my remaining 17 years to 15 years at a much lower fixed rate than my current 5.5 % mortgage. I own a full floor of a XXXX story building in XXXX originally offered as XXXX condominium units with full exclusive ownership of all adjacent common elements and we occupy it as our sole principal residence as if it were XXXX unit. It is worth approximately 8 times its value on our purchase in 1997, possibly more. Our refinance amount would be $ XXXX or thereabouts ( we do not want to borrow against any equity ). In NY state, there is a large transfer tax. However, this refinance would not be a transfer to another lender. It would just be a refinance, which BoA solicited. The fact that our floor can be used either as XXXX units or as it currently is XXXX unit, is only a positive to its value, and therefore, only lowers its risk to BoA. BoA however claims that this status ( XXXX units, XXXX of which we bought simultaneously in 1997 under condominium contract terms that make clear the optionally single use rights to the full floor ) PRECLUDES BoA refinancing for us. Whatever rule is being applied concerning the use of our real estate as XXXX units versus XXXX unit is a bogus rule, I believe, being used to obstruct us from refinancing our loan conveniently with our current lender, and to impose multiplied transactions costs on borrowers, by forcing the borrower into a complicated rigamarole, refinancing via a third party, which would entail additional agency fees. As our credit is excellent and our payment track record perfect with BoA and all prior lenders from whom BoA inherited the loan, and the property is worth about 15 times the mortgage amount, I do not understand why we the borrower should be victimized by a senseless corporate rule that has nothing to do with financial risk to the lender.
Consumer complaint received 2018-07-06
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)

father passed and they put all his information on my credit changed my date of birth to his i have been trying to get it straight with no luck. the mortgage company want help i keep telling them. XXXX XXXX didnt pay out my claim for the reason of fraud but i did have a break in my house
Consumer complaint received 2018-07-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: On Q Financial (GA)

I originally applied for a mtg modification in XX/XX/XXXX due to a financial hardship that occurred on XX/XX/XXXX. I was injured at work and was dismissed from work and placed on workers compensation. While on workers comp my total monthly income was {$2300.00} per month. I even had to file a chapter XXXX bankruptcy which was discharged XX/XX/XXXX. This application was denied with reason being " loan not seasoned enough ''. I was told submit an appeal on XX/XX/XXXX when my loan would be 12 months old. This appeal was denied because my income was only $ XXXX/m and because workers comp income is not considered permanent income. I then submitted my employment verification letter proving that I was going to begin working on XX/XX/XXXX which would then produce a permanent increase in income as the job I started was was permanent. This was denied by my lender because " my income to debt ratio did would not meet poverty limit guidelines. '' My income was {$3700.00} per month once I began working. This alerted me that the lender did not take into account that most of my debt was discharged in the  bankruptcy therefore, my monthly expenses had decreased.I then followed up with an email providing the loss mitigation department a copy of my chapter XXXX discharge with list of creditors whose debt was discharged which proved my decrease in monthly expenses. I also sent an updated income and expense form as well as current paystubs as I had began working. They denied again because " debt to income ratio did not meet the guidelines ''. At that time my monthly income had increased because I had started to receive court ordered child support. I spoke to loss mit dept who then advised me to submit a new application. I submitted a new modification application packet with updated income showing the increase in my income. Did not hear back from the lender. I called the loss mit department to check the status of my application. It was then brought to my attention that my home was in foreclosure. Come to find out they overlooked my application. Once they realized this they paused the foreclosure and reviewed my app. I was denied because " my income was too high and which disqualified me from qualifying for assistance. I feel that the lender is coming up with reasons to deny me.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF OMAHA (TX)

The bank in question is First National Bank XXXX located at XXXX XXXX XXXX XXXX TX XXXX. 
The bank has put hold on my funds in my business account in name of XXXX XXXX XXXX XXXX. I am a XXXX customer.Bank never issued me hold notice when deposits were made or even on next day as required by reg cc. The deposits are now 2 to three weeks and are collected as I understand. 

This hold was an afterthought. 

I was told that the funds will be held for 30 days with out mentioning from which day and irrespective of when it was deposited. I believe that this is not with the reasonable timeframe of reg cc. 

The bank confirmed that funds would have been collected by now. That eliminates the ground for concern that the fund in check will not be collected. 

I need help from CFPB in the following. 


1. Please bring to notice of the bank that they have violated the norms by holding the funds with out giving me notice. 

2. It may be a violation to hold the funds after the funds are collected, the hold is for unreasonable period and should be lifted. 

3. Customers trust the banks with their money. If banks do not give customer 's money, it is attack on institution and I need CFPB to make sure that. 

4. I was told by the branch manager that he is following advice of their legal department. Please investigate the legal and compliance team to make sure such unreasonable actions violating the norms are not taken. 

Thanks XXXX XXXX
Consumer complaint received 2018-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighhood Housing Services of Chicago Inc (IL)

Consumer complaint narrative During the month of XX/XX/2018, I had received several notices from XXXX Insurance stating my insurance coverage had not been paid both my agent and I made several calls to both XXXX  and Neighborhood Lending Services. The insurance was to be paid by XX/XX/2018. The documents I received and the communications by both my agent and myself resulted in numerous excuses as to why the payment had not been paid. We were given several phone numbers and various address to either fax or send the request for payment. We were promised the payment would be sent overnight. To date the payment has not been sent. I have in my escrow account close to {$6000.00} and the insurance is approximately {$3000.00}. Upon doing further research I have found over 23000 complaints about how this servicer will not pay your insurance and then force you into a forced insurance. 

I have supporting documentation including recorded conversation of my communications with both Neighborhood Lending and XXXX. XXXX sent me a letter stating that they had no proof of insurance coverage and they were purchasing insurance which I will have to pay them and the rate will be much higher than what I am currently paying. I have found that Neighborhood Lending has the exact amount due XXXX. I have also received a letter stating I put a stop payment on my mortgage payment. This is not true, all checks have been cleared.
Consumer complaint received 2018-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted trans-union various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and trans-union themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or grant any permission to these companies to run my credit. 

Hard Inquiries on Trans-union report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from XXXX report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my report.
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MD)

I purchased furniture From XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Maryland for the price of {$140000.00}. With a 3 month payment plan. I was told after the 3 months I would be charged interest, however the exact amount was not determined. They simply said no interest for 3 months then it could be up to % 50 interest. Prior to the One month into the furniture purchase the loan company, ACIMA charged {$3000.00} loan against my credit! I did not borrow {$3000.00} and it was reported as a loan against my credit without my knowledge before their 3 month deadline. I contacted the company and they said that is standard. It is not, it is a lie! This {$1400.00} loan that appears on my credit as a {$3000.00} loan with their inflated % XXXX interest caused me to be denied housing assistance by XXXX and lowered my credit score 200 points. Also the company, ACIMA, emailed me a fraudulent contract which I NEVER signed or agreed to saying I agreed to pay {$3000.00} for {$1400.00} furniture, I DID NOT! The electronic signature is false and is not my signature. Furthermore, I still have the copy of the original agreement that I signed along with the furniture representative. I would like ACIMA to take this {$3000.00} off of my credit and adhere to the original agreement with reasonable interest, since I did not borrow {$3000.00} in the first place. This practice is predatory lending and downright theft, it must be stopped. It is FRAUD! Everything is based on credit scores in America and the idea that a company can put a false loan on a persons credit is scary and disturbing IT IS CRIMINAL!
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This information isn't authorized and I didn't take out or use any student loans. I have tried contacting the creditor and the school but they keep giving me the run around about closing the account or investigating the account as it wasn't used by me. 

There are 4 accounts open totaling {$10000.00} being reported on my credit report. It shows open and never late but I never made any payments on an account I have no knowledge of. I would like this closed and removed immediately. I have also contacted XXXX, Equifax and XXXX and they fail to investigate to validate the loans to have them removed and deleted! 

Attached is FTC report that lists the loans as a creditor or apartment but not sure why it doesn't list as loan. 

FCRA law. 
Account # XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-06-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I initiated a transfer into my Coinbase account. I requested the transfer go to my USD Wallet but instead the funds seem to be held up in my XXXX wallet. The transaction shows as " pending '' with Notes reading " Failed to instantly exchange XXXX ''. What does this mean? I have contacted Coinbase numerous of times. Their response was Our payments team and advocacy team are investigating. Weve marked this email thread as a top-priority case, and well provide info to you as it becomes available. Coinbase seemed to be focusing a lot more on expanding their operations instead of properly serving their existing customers.
Consumer complaint received 2018-07-06
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: Credit Karma (NC)

Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through Credit Karma, XXXX, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?