davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (VT)

My mortgage loan, serviced by Franklin American Mortgage Company was SOLD to another mortgage company WITHOUT ANY NOTIFICATION to me. 
They sent me my bill due on XXXX XXXX, 2015, and I sent in a check at the end of XXXX as usual. On XXXX XXXX ( today ) I got a bill from another mortgage company, XXXX - just a bill with no notification of mortgage sale. That bill is now late. 
I got absolutely nothing from Franklin, and nothing from XXXX, until today, XXXX XXXX. I called Franklin to complain, they said XXXX letters were sent out on XXXX XXXX, XXXX and XXXX. I DID NOT receive ANY of these letters and the customer service person suggested I check if there was a problem with my mail? That sounds fishy to me. I receive all my mail, I open it all, and ESPECIALLY if mortgage-related because I 'm aware that a sale can happen at any time. 
Franklin needs to take responsibility for their failure to notify. This is unacceptable.
Consumer complaint received 2015-07-07
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Real Time Group, Inc. (TX)

I was way pass due on an account and I called Real TIme resolutions. After making payment arragements with them I asked that when would they report my payments to the Credit reporting agencies she said she would not that they did n't do that. I just made my first payment as agreed upon. Then checking my credit report It said I was late. I called Real Time resolutions and the woman said that it was reported late because I did n't make a payment since 2014.and that it would be correct ed when I made all my payment.Well I think there is something with this picture. They are either lying or giving false information. Someone should be checking on these companies.
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

So I recently became ill in XXXX of 2015 and I was not able to keep track of my finances and when I came back I was hit with a {$450.00} fee and a closure of the checking account.these were racking up and to my dismay I was not even able to waive these fees due to my health circumstances.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (TX)

I request the immediate removal of any other personal identifiers that are not exactly as stated above. If you continue to report information that is not in full compliance with the mandatory procedures for lawful reporting, I demand that you provide irrefutable proof of the accuracy of these claims and the processes followed in reporting them. 
I assert my legal right to have only accurate, current, and fully verified information on my credit report. Therefore, I am requesting that you delete all data related to the XXXX XXXX and XXXX XXXX XXXX XXXX accounts that do not meet these standards. 
Please send me physical documentation that confirms your compliance with all reporting requirements. If you can not provide this proof, I demand the immediate deletion of the above-mentioned items from my credit report. 
According to 15 U.S.C 1681e, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Additionally, 12 CFR Part 1022 ( Regulation V ) requires that furnishers : Furnish information with integrity.

Ensure the accuracy of the information.

Conduct reasonable investigations of consumer disputes.

Metro 2 compliance standards must be followed to ensure data integrity. Any deviations from these standards compromise the accuracy of the reported data, which is a violation of my consumer rights.

I challenge you to prove that the reported information regarding the XXXX XXXX and XXXX XXXX XXXX XXXX accounts has been lawfully and accurately reported. If you can not do so, I demand that you remove these items immediately. 
Failure to address this matter properly will compel me to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General.
Consumer complaint received 2015-07-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

I found a XXXX Bulldog for sale on XXXX after finding thepuppy I thought was right for me I contacted the individual whichwas through his email listed on his XXXX. After initial email at ( XXXXPDT ) on XXXX XXXX the individual responded back with a lengthy emailat ( XXXX PDT ) with pictures of puppies for sale. He inquired aboutwhat type of living conditions would the puppy be in have we everowned a puppy of this breed, etc. After XXXX emails on the XX/XX/XXXXI sent an initial {$300.00} via Western Union tracking number at ( XXXX PDT ) to XXXX XXXX at XXXX XXXX XXXX XXXX the XXXX Bulldog was said to be dropped off and ready for shipping. Later at ( XXXX GMT ) I recieved an email from XXXX XXXX stating I needed to provide a temperature controlledcrate for the bulldog that the crate provided could not be used fortravel. At XXXX PDT I sent via Western Union {$900.00} to XXXX XXXX XXXX XXXX XXXX. I then received and email with shippingdetails and arrival times of the XXXX Bulldog. On XXXX XXXX Ireceived an email at ( XXXX PDT ) stating I needed to send {$2500.00} splitup into two payments. One payment of {$1500.00} to be sent to XXXX then a following payment of {$1000.00} to be sent to XXXX XXXX. 
After receiving this email my wife and I called and said we will notsend this amount and we want a full refund of all money sent and wegot hung up on.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I filed a proper dispute on an unknown medical account with Experian. On XXXX/XXXX/2015 I received a response to my dispute stating that they will not re-investigate the dispute because it was previously disputed in XX/XX/XXXX, more than two years prior. I then contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Experian, re-disputed to Experian with a copy of my dispute/validation letter to the collection agency, along with proof of the agency 's receipt of the dispute. Experian 's refusal to properly investigate the dispute is a violation of the FCRA and FACTA. Experian is the only credit reporting agency that is erroneously reporting this account on my reports
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I have contacted ChexSystems several times about removing a bad address that belongs to someone else from my ChexSystems banking/credit report. ChexSystems keep telling me that the disputed address was provided by me. I have no record of this. At any rate, ChexSystems has my current and correct address on file ; there is no need for them to keep an additional erroneous address in my file. This put me in jeopardy of identity theft. I would like ChexSystem to remove the erroneous address. Thank you.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

I need your assistance regarding this incorrect account appearing on my credit report. I'm raising this issue because it has harmed my reputation, and I need your help. Your mishandling of my credit report brought me to a difficult position ; your misreporting has damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have consistently had credit issues due to my credit information being incorrect. I 've disputed items on several occasions only to have them reoccur again and I am extremely upset and fed up with this problem. I have a XXXX sister who 's name is similar to mine and social security number that is similar as well. Under my reports is all of my information and hers as well. This includes her married last name and maiden name, all of her previous addresses, her car loan information, credit cards, school loans, and phone bills all under my acct. I 've explicitly stated our social security numbers need to be separated indefinitely it is ruining the way I am trying to live my life. I 've been refused phone contracts for this and credit cards. More recently XX/XX/XXXX, unrelated to mixing up my sisters and my personal information, I was refused gas/light service in my name for my first apartment due to my name being used for a gas and light bill while I was away at college in XX/XX/XXXX. The company, XXXX, now wants me to do my own investigative work before I can successfully put these much needed utilities in my own name, which could take months. My move in date by the way is in less than 2 weeks. It 's completely absurd and if I could sue the credit bureaus I would for time and continuous pain and suffering.
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: I.C. System, Inc. (TN)

I 've already filed a complaint once against IC Systems. Case # XXXX - they removed this from my credit then added it back. I 've contacted both IC Systems and XXXX XXXX XXXX and neither of them have an account for me. I again am asking the IC Systems remove this from my credit. The way I was talked to and harassed with phone calls is not the way to collect any type of debt and I will not be paying them or XXXX XXXX XXXX due to they were very unwilling to help me on their end with an arrangement I could afford. I again will ask this be removed from my credit report. Thank You.
Consumer complaint received 2015-07-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I am currently enrolled in a XXXX program and unable to pay my student loans, I have called Navient everyday for a week and most days 3 times. I have verified that my school has submitted my name to the XXXX XXXX XXXX and Navient is unable to find my information there to confirm that I am enrolled full time. I called today and pleaded with the representative at Navient to look in the system or transfer me to a supervisor that may be better equipped to assist me. Instead I was spoken to in a rude condescending manner. I had to apologize to the representative for bothering her. I do understand that Navient is trying to do all they can to get a payment for their loans. 
I do not think it is fair for these loan companies to belittle their customers by screaming at them or ridiculing the distressing financial situations of their customers. This behavior is similar to " bill collecting '' and not assisting customers. 
My school official has submitted my enrollment to XXXX XXXX every 3 months since I started my graduate program in XX/XX/XXXX. The Navient representatives are claiming that the last record of my full time enrollment in the National Clearinghouse records is XX/XX/XXXX. This information is grossly inaccurate as I am currently registered in a 3 year full time XXXX and received my loan disbursement a month and a half ago.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services is trying to raise my mortgage payment $ XXXX/mo stating that there is an escrow deficiency. There are many similar stories online after CMS takes over a loan that they have purchased. This creates a hardship and seems predatory. My loan is current and for the last XXXX years ( with XXXX XXXX XXXX ) has always been $ XXXX/mo, now they want {$1700.00}. I am nervous to pay them based on others stories that they will squeeze this out of me with no justification
Consumer complaint received 2015-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (CA)

In XXXX I took about a student loan with XXXX XXXX XXXX to cover my XXXX year at the University XXXX XXXX XXXX in XXXX, CA. Before my XXXX year was over, XXXX had notified me that my loan would no longer be serviced through them. My loan was then taken over by National Collegiate Trust, and soon began to be serviced by American Education Services. Since XXXX of XXXX ( 6 months after I graduated from the University XXXX ), I had made payments to fulfill the terms of this loan. 
In XXXX of XXXX, my parents began to the process to file for bankruptcy. My father is also the co-signer for XXXX of my XXXX private loans, including this loan. I found out on XXXX XXXX, XXXX that due the fact that my parents had filed for bankruptcy that my loan that was being serviced through AES auto-defaulted and I needed to contact National Collegiate Trust. I was given a phone number to reach NCT at, however this number was for XXXX a XXXX party debt collection agency. I called XXXX, to find out what the next step was for this issue and they stated that I was not in their database. 

As of right now, my loan is defaulted yet no payments were missed ( with the exception of a 3 month approved financial based hardship deferment ) and I wish/am able to continue to pay this loan and wish to fulfill this financial obligation.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I have been a customer with Chime Bank for over seven years. Recently, during Hurricane Helene, my home was broken into, and several items were stolen, including my phone, debit cards, and personal documents. The hurricane hit on XX/XX/year>, and my family evacuated. When we returned home on XX/XX/XXXX, we discovered that looters had taken advantage of the situation. I reported the theft to the police and contacted Chime to report unauthorized ATM transactions. 

On XX/XX/XXXX, I requested that my card be replaced and my transactions reviewed. I was told that while the usual dispute process could take up to 90 days, I was eligible for a temporary credit. Despite this, my claim was denied the same day, and the documentation provided by Chime only reflected the information I had already shared. I filed a rebuttal, and during calls with Chimes dispute team on XX/XX/XXXX and XXXX, I was assured by XXXX representatives that a credit was pending. However, on XX/XX/XXXX, I received an email stating that my rebuttal was denied, and no credits would be issued. 

I am extremely frustrated by the misleading information I have received. As a loyal customer and someone who works in banking, I expect a transparent and fair resolution. I request an immediate review of my case and that the stolen funds be restored to my account. This is unacceptable, and I will take further action if necessary.
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (OH)

My complaint is with U.S. bank cardmember service XXXX N D.XXXX.Person resolving this matter name is XXXX cardmember service rep. Her contact number is ( XXXX ) XXXX Fax XXXX.On XXXX/XXXX/2015 I XXXX XXXX was only to have a debit transection of XXXX dollars to be taken out of my visa card, not XXXX dollars.The company that took the XXXX dollars name is I PASS. On XXXX/XXXX/2015 U.S.Bank card member service refunded my account in the amount of XXXX dollars here is copies of all my documentations. Now U.S. Bank.card member service is saying I did make the XXXX dollars transection when I did not.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Homeowner has had a financial hardship and after exhausting all modification attempts they have come to accept the fact they can no longer retain the home. Therefore deciding to short sale the home vs. losing the home to foreclosure. A complete workout package including all financial documents and offer has been submitted to Chase on XXXX XXXX 2015. After several XXXX of follow up and multiple escalations requesting the file to be assigned to a negotiator nothing had been done until XXXX XXXX, 2015. On XXXX XXXX, 2015 they homeowner was finally assigned to XXXX XXXX. The XXXX lien is ready to fund with the rate expiring on XXXX XXXX, 2015. If the loan does not fund the buyer will walk away from the home. We will lose this buyer entirely. We have expressed the urgency several times to Chase verbally and escalated the file still nothing was done to expedite the process. Since extensive time has passed since submission of the short sale request and the file has yet to be approved or denied we are filing a formal complaint to escalate the file.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the XXXX will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the XXXX people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

DEAR FDIC & CFPB, I DO NOT ALLOW CALLING TO CFPB THROUGH VIDEOPHONE SO I PREFER MEETING IN PERSON THAN VIDEOPHONE, UNDERSTAND CLEARLY! I AM NOT SATISFY WITH XXXX XXXX XXXX XXXX THEN XXXX XXXX XXXX REQUIRES PAID ME THEN CLOSED ACCOUNT BECAUSE OF DISCRIMINATED AGAINST MY APPEARANCE NOTIFICATION TO CHASE BANK OFFICIAL IN HIGHEST POSITION AS REQUIREMENT CHASE BANK OR OTHER BANK WHO WILLING MEETING ME IN PERSON CLEARLY UNDERSTAND! THANK YOU MUCH!
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MA)

I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every XXXX months like I had in the past. I went through bankruptcy in XXXX and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
Consumer complaint received 2015-07-07
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: D. SCOTT CARRUTHERS (CA)

I took a loan for XXXX paid off the loan of XXXX they wanted me to pay XXXX and I could n't. now I have this " law firm '' calling my place of employment asking them to please not to call me at work. I 'm in an area I ca n't talk personal things. they refuse to listen and continue to call me..