davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

I called XXXX XXXX to just have my address changed. Apparently the representative reported the card as lost/stolen closing the account resulting in my credit score to decrease 50 points! I called the bank numerous times to have this fixed. On one attempt the representative said she would add a note to the account for the next report. I saw on my report where the remark was added & account was removed. Now a month after the same account has beed re-added resulting in my credit score decreasing 50 POINTS AGAIN! I contacted XXXX XXXX & the representative said he is unable to help so he will transfer me to a supervisor which was clearly of NO HELP either! The supervisor showed no type of remorse or care regarding the situation. I was told they will have to listen to the first call about the address change & was unable to do so at that time so I will have to wait 72 hours! This is absurd! I have worked hard to maintain GOOD CREDIT to have it ruined NOT by non/late payment but by people who clearly do n't know how to do their jobs.
Consumer complaint received 2017-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In XXXX I revoked a Navient authorization to direct debit my bank account. Navient continued to automatically withdrawal the money anyway. I called and complained and they put it back. I never agreed to direct debit again. In XXXX through XXXX, in order to fraudulently induce me to provide direct debit to my bank account, the collections team promised me 3 % interest on my private bar study loan. I agreed to these terms and granted direct access again to my account. Thereafter, without warning or notice, Navient increased my interest rate to 14 % as on XXXX XXXX and continued using the fraudulently procured direct debit access I provided under the false premise the loan interest rate was 3 %. On XXXX XXXX XXXX, I called Navient irate, and told them I never agreed to the 14 % interest rate and they are demanded to immediately cease all direct debits. I followed with a written email for proof. They continued debuting my account on XXXX XXXX, XXXX. This is blatant fraud in the inducement and theft. They need to be help accountable for this unlawful conduct.
Consumer complaint received 2017-08-27
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: EQUIFAX, INC. (NJ)

All the inquiries fromXX/XX/XXXX and XX/XX/XXXXare not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

ON XX/XX/XXXX. MY MONEY WAS WIPED CLEANED FROM MY XXXX XXXX CARD. THIS WAS OVER {$750.00}, THAT MY DAUGHTER RECEIVES FOR HER XXXX. I CONTACTED XXXX XXXX, AND WAS INFORMED THAT MY ACCOUNT PIN WAS CHANGED, AND THE MONEY WAS TAKEN OUT OF MY ACCOUNT AT TWO DIFFERENT LOCATIONS. I WAS TOLD THAT THIS OCCURED AT XXXX XXXX. I WAS ALSO INFORMED BY XXXX XXXX   THAT THEY ISSUED MY CARD TO THE WRONG MAILING ADDRESS. I WAS INFORMED BY XXXX XXXX THAT I WOULD HAVE TO FILE A FRAUD CLAIM REPORT. THEY ALSO INFORMED ME THAT THEY WOULD BE SENDING ME A NEW CARD, HOWEVER, THEY STILL CONTINUED TO SEND THE NEW CARD TO MY OLD ADRESS. I RECENTLY RECEIVED MY NEW CARD, HOWEVER, MY MONEY WAS NOT DEPOSITED BACK TO MY ACCOUNT. I ALSO RECEIVED A LETTER STATING THAT THEY WERE TRYING TO CONTACT ME, AND BECAUSE THEY COULD NOT GET IN TOUCH WITH ME, THEY ARE CLOSING ME CASE. PLEASE NOTE THAT WHEN I RECEIVED THE FRAUD QUESTIONARE, I FILED OUT AS MUCH INFORMATION, THAT I COULD. I ALSO SUBMITTED MY TELEPHONE NUMBER. NO ONE CONTACTED ME. I 'M NOT THE ONLY PERSON THIS WAS DONE TO. WHEN I WENT TO SOCIAL SECURITY, THERE WERE OVER 100 PEOPLE MAKING THE SAME CLAIM. XXXX XXXX, AS WELL AS SOCIAL SECURITY HAS KNOWN THAT THERE HAS BEEN A PROBLEM WITH THESE CARDS SINCE XX/XX/XXXX, HOWEVER, THEY NEVER SENT OUT ANY ALERTS, THEY NEVER ISSUED ANYONE NEW CARDS. I RECENTLY RECEIVED MY NEW CARD, NOW IT HAD THE GOLD SEAL. XXXX XXXX, IS NOT A CARD THE GOVERNMENT SHOULD USE. SOCIAL SECURITY ENSURED EVERYONE THAT THIS CARD WAS SAFER THAN GETTING A PAPER CHECK, HOWEVER, TODATE, THEY WILL NOT HELP ASSIST PEOPLE WITH GETTING THE MONEY THAT WAS STOLEN. XXXX XXXX, KNOW THE LOCATION, THE PERSON WITHDRAW THE MONEY, HOWEVER, THEY ARE REFUSING TO REFUND OUR MONEY. PLEASE HELP
Consumer complaint received 2017-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (VA)

I recently contacted Sallie Mae and I was told my account is up to date, I do admit to being late because Sallie Mae will not work with me and has made me choose between medication and doctor 's appointments over their payments and has refused to work with me on trying to lower the payment. Well my account is still showing a past due amount on my credit report so I asked XXXX to request updated information from Sallie Mae and Sallie Mae told XXXX that my account still has a past due balance instead of showing that the account was paid up to date last month. Is this not illegal and considered libel if last month, the reported information should show the past due amount was paid yet purposefully refused to fix this when requested.
Consumer complaint received 2017-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

On the date of XX/XX/XXXX an account was opened in my name for a XXXX XXXX account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from AD ASTRA RECOVERY SERVICE with XXXX as the original creditor. After calling XXXX XXXX about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to XXXX XXXX that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. AD ASTRA RECOVERY SERVICE did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to AD ASTRA RECOVERY the same thing that I explained to XXXX XXXX, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. AD ASTRA really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.
Consumer complaint received 2017-08-19
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: CITIBANK, N.A. (FL)

CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (RI)

Transaction ID : XXXX Comptroller of Currency XXXX XXXX, 2017 Copy of letter to Bank Officers Hello,. XXXX XXXX XXXX XXXX is attempting to release an authorization/hold on customer 's card for a car rental that is paid in full. The hold should not be there as the company was already paid. XXXX wants the inappropriately held funds released.
Details : 1- The car rental was in the name of card holder 's spouse. The amount paid in full via customer 's AMEX SERVE was {$620.00}. The additional amount inappropriately being held is {$490.00}.
2- Card holder contacted AMEX Serve Customer service. Both the customer service person and the manager understood the problem, but stated that even though the authorization/hold should be immediately released, their automated system prevented them from doing so. They provided the release number of # XXXX to XXXX XXXX. XXXX said everything is released on their side, and that the date should be changed on the hold -- to today ( XXXX XXXX, 2017 ).
3- Again, XXXX XXXX indicated that the date of the transaction should be changed and the funds immediately released as they have been paid already. They offered to third party call in to AMEX to resolve the matter this morning. XXXX XXXX offered to fax AMEX Serve a cancellation document, or call Amex Serve directly to release these funds ( {$490.00} ). Again, AMEX customer services simply reiterated their policy.
4- I am writing to you for your help today to release my funds. For a working person, these inappropriately held fund are the difference between paying rent and eating, and literally being hungry.
I tried to get in touch with XXXX XXXX as well.
This is a unique situation where the merchant has already been paid. The merchant is attempting to cancel the authorization. And the merchant is attempting to contact AMEX to resolve the matter this morning.
Thank you for your help. Card Holder.
Consumer complaint received 2017-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

I lived in the XXXX at XXXX XXXX XXXX back in 2014. There were some issues at this property and I had requested to move before the lease ended. I was advised to pay the lease breaking fee of {$1800.00} and will forfeit my security deposit. I had provided 2 money orders totaling that amount and once I had a walk thru with the property manager and they determined that I have a {$0.00} balance. I have Section 8 and you are not able to move from a property unless you have a {$0.00} balance. As you may know, I still have Section 8. A few years from when I moved from there, I saw on my credit report a balance of {$340.00} and later it increased to {$440.00}. I called the complained on BBB and the management property stated that I owed that money for repairs that were needed. There were no repairs needed when I moved out, which was the purpose of having a move out inspection. I checked in the state of Illinois and the state of Colorado and saw that the collection company IQ Data International IN does not have a license to collect in either state. Please help me to resolve this matter and remove from all credit bureaus.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

1-In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

2-In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

3-In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My debit card was used at XXXX for a XXXX dollar whoever did this used credit not sure if the transaction was keyed in are a copy of my card was use but my card never left my wallet i do n't make charges for that sizable funds checking my online account after being denied a transaction I discovered it this took placed on the XXXX to of the month of XXXX I noticed it on the XX/XX/XXXX the and contacted the bank on the same after returning a fax to them they emailed me saying they wo n't replace my funds that money was all I had please help XXXX @ XXXX, XXXX XXXX XXXX.
Consumer complaint received 2017-08-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: BATON ROUGE FINANCIAL SERVICES, L.L.C. (LA)

First, I recieved a title loan from Baton Rouge Financial XXXX in XXXX XXXX, La. The first title loan was XXXX in which, BR financial held the title in case I did n't come and pay it off, they  would come and reposse it.So I paid it down from XXXX to XXXX. Then went an financed anothe title loan for XXXX and thats when BR finacial after paying until XXXX. Baton Rouge Financial ask me about refinacing I thougt the payments was gon na be cheaper but my total title loan went up to XXXX. I told them several times come get the vehicle.They said they they did not want it. The vehicle was in good shape. so I started making payments again but this time out of my account.As of XXXX XXXX was my last payment that was drowned out my account. The was not subtracting the difference nor reporting it to the three crediting bureau, on time every month. Now they want me to pay XXXX which is wrong all the way around. The lady XXXX XXXX came out to my house threatening me and sent emails. They still has the title. Nothing is accurate with the information. I wish that BR financial please delete and or remove this from/off all three credit bureau.It is misleading.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (OK)

Several things happened first thing is after approving the modification Wells Fargo failed to cancel the sheriff sale of my home and my house was sold in the sheriff 's auction and then an eviction notice was served to me all because they failed to cancel the sale then my original loan balance was XXXX now it is over a XXXX and XXXX with all their fees that they have added to my loan and all the additional costs they added to my loan for a day Sheriff sale or foreclosure which should have been cancelled so why should I pay for those fees then they have now refused XXXX payment of over {$1800.00} I sent XXXX they were turned took 45 days to get it back then I attempted XXXX weeks ago to pay {$2500.00} and then refuse that payment I have been asking for months actually probably over a year to have my escrow analysis analyzed do to it increasing {$10000.00} and it has entries that have no description that only say escrow adjustment I have not been given an explanation or been contacted after leaving countless messages emails speaking to other Representatives who said they would get a message to them and they would have them contact me they have no problem adding things to my account but they can not explain to me what they are why I 'm responsible for him and then they want to refuse my payment or payments and even returned money I sent bill pay..the sheriff sale they failed to cancel by error its still haunting me after over a year of calls emails letters to Wells Fargo it has yet to XXXX fixed..the assessors show Wells Fargo as the home owner witch has caused me problems getting homeowners ins.and the title reads I sold it to Wells Fargo and it continues to stay on a forclosure lisfings
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am currently a victim of identity theft, my identity was stolen and used against my right at this time I am not aware of who's responsible for such fraudulent activities. I don't use my social at all unless necessary. I have one XXXX account listed in my name that's my credit card. My report has good payment history until someone access it by adding accounts, inquires and addresses that doesn't belongs to me.
Consumer complaint received 2017-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I notified Capital One Credit Card that my card information had been stolen and to close account, issue a new card, and to stop all automatic payments the person had put on card without my authorization. Captital One ignored my request andcontinued the unauthorized automatic payemnts to several companies ... running my bill up to approximately {$2800.00}. I believe I owe them approximately {$1500.00} and have offered to pay that month with {$100.00} installments for 15 months. They have refused my offer and have now involved an attorney.
Consumer complaint received 2016-11-09
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services (CA)

First call was on Saturday XXXX XXXX They continued to call the following times on Saturday : XXXX XXXX XXXX ; XXXX Monday they called the first time at XXXX XXXX I spoke to them and explained I had thought they would make another EFT attempt as this is my first time with an issue in over a year and half of making EFT payments. I asked how to handle this and pay. They explained if I sent a check I would avoid an additional charge of {$15.00}. I asked them to send me an email with mailing information as I have always paid directly through my bank. They said they would. They then called the same day at the following times : XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX. ; XXXX XXXX ; I called them on XXXX/XXXX/16 to make payment over the phone so they would stop calling me. I had still not received email with mailing address. They then called again at the following times : XXXX XXXX. ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; I checked my bank account and the payment had cleared my bank. I continued to get calls starting today @ XXXX XXXX. ; XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

CFPB, My girlfriend and I had purchased a home back in XXXX XXXX from XXXX XXXX XXXX. We had selected to finance with XXXX XXXX XXXX XXXX and go with the escrow account option. Both of us are co-owners of the home and our names were both added to the loan account. For XXXX, our taxes were properly taken care of by XXXX XXXX XXXX XXXX without any outstanding or delinquent tax balances. Around XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX had sold our loan to Flagstar Bank. Throughout XXXX we continued to pay our monthly mortgage ( principal + interest + escrow ) in a timely manner, without missing a single payment. Flagstar Bank paid the taxes for both the XXXX XXXX XXXX XXXX {$1500.00} on XXXX/XXXX/XXXX ) and XXXX ( {$820.00} on XXXX ) taxes at the end of the year. There was a tax surplus in the escrow account and I was cut a check for {$3500.00} on XXXX. Starting around XXXX XXXX, my girlfriend started receiving letters from both the XXXX XXXX County tax collector and attorneys harassing her to pay delinquent taxes from XXXX. Concerned, I gave the FlagstaXXXX Bank tax department a call to confirm that all XXXX taxes were paid for. They re-assured me that all taxes were taken care of for both my girlfriend and me. With that said, we rest assured thinking that everything was okay. However, we continued to receive letters each month, reminding us that my girlfriend still owes a total of {$2200.00} XXXX {$630.00} + {$1600.00} ), XXXX and XXXX XXXX taxes respectively. Today ( XXXX ), I called Flagstar Bank again and they re-assured me that all taxes for XXXX were paid for. Immediately after the call, I started reviewing the letters thoroughly again. I jumped back in forth from the XXXX XXXX County tax website to my Flagstar Bank online loan account. I noticed that both my girlfriend and I have TWO separate tax accounts for XXXX XXXX County. I checked my online mortgage account on the Flagstar Bank website and I found that only my tax account number was present but not my girlfriends yet both our names are under the same mortgage loan. I am not sure what exactly happened but it would appeared that Flagstar Bank did n't include my girlfriend 's tax account on the same mortgage loan account, resulting in only the tax amount of {$2400.00} paid for XXXX and the {$2200.00} amount still unpaid under her tax account. Please help us resolve this issue, as we did our part in paying the monthly mortgage every month on time. The responsibility was in Flagstar Bank 's court to correctly disburse tax payments to cover both my girlfriend and me. Now we are suffering the repercussions of her taxes being delinquent because our mortgage account was n't correctly configured to include both our tax accounts. Thank you.
Consumer complaint received 2017-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Sir : On XXXX XXXX,2017 I was out of town, on a vacation, five hundred miles from my residence in XXXX XXXX. A letter arrived from Bank of America, regarding insufficient funds in one checking account. I reacted to The message immediately upon the date of this notice. I was not able to cancel my vacation therefore I applied for help at the nearest branch of Bank of America in XXXX, Nevada. The branch manager whom I spoke with informed me that the processing of this transaction was delayed only temporarily and my account funded later when I returned in two days. The information was incorrect and I should not be penalized for their error.
Consumer complaint received 2017-08-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

This complaint is a restatement of the fact that Ocwen Financial Mortgage refused to acknowledge any court documentation, subpoenas or correspondence from their lawyers XXXX XXXX XXXX to my lawyers XXXX XXXX and XXXX XXXX of XXXX, Ohio. All of these legal forms were submitted from attorneys with loan numbers and the XXXX County Court of Common Pleas seal at XXXX.
Ocwen assigned XXXX XXXX of the Florida location who demonstrated no interest to the correspondence from CPFB and closed the case with a letter stating there was no lawsuit against me. The paper work indicated that XXXX XXXX XXXX owned by XXXX XXXX  had assumed mortgage assumption and refused to pay the bank for the property. I presented the contract and I was sued by Ocwen.
Finally, I was responsible for the legal fees, the homeowners insurance, the utilities and up keep of the property as this suit remained in court for almost two years. I have records of the amount of monies that I spent at XXXX XXXX XXXX XXXX, Ohio parcel # XXXX.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX can pull your credit report to see if you owe money to other apartment complexes before they will rent to you. This lowers a persons credit score.