davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HW Holding, Inc (FL)

I get a collection account under my name with Hunter Warfield Inc but I do not know this company. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.
Consumer complaint received 2017-05-20
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)

On XXXX/XXXX/XXXX I disputed an item on my Equifax report with XXXX XXXX. On XXXX XXXX, XXXX, I received a response from XXXX XXXX which did not include verification of my signature. They failed to validate the debt. XXXX XXXX did not notify Equifax that I disputed the information as per XXXX. I sent another letter on XXXX I did not receive a response from XXXX XXXX at all. On XXXX XXXX XXXX I sent a dispute letter to Equifax. Equifax did not verify the debt with my signature as required by law. In addition, information was added to my report from XXXX XXXX through XXXX XXXX that is inaccurate. On XXXX  I sent a second letter disputing the incorrect information. Equifax responded that they verified the debt but did not send me a copy of my signature or any viable evidence showing the account being reported as accurage as required by law. The information being reported on my credit report by Equifax is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
Consumer complaint received 2016-12-03
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MD)

I have an open case against Citibank re : a XXXX closed account. Seems Citi has been increasing the total balance due, and refuses like most banks to give the balance once the agreed monthly payment has been deducted. In addition in XXXX XXXX they claim I was XXXX ( now more ) days past due since XXXX XXXX. My original opened CFPB case number is XXXX. Also case XXXX is Cit 's response that they have to do a 60 day review. 

Since ( in the US as well as the world ) Citi has been caught in malfeasant activities as in my case not properly applying my {$70.00} ACH and increasing the balance owed, I will temporarily put a stop on my monthly ACH payments. Once the matter has been resolved I want to settle.It 's only fair! 

As in my now closed case against Citi # XXXX, losing payments, alleging they applied to this closed credit card account ( when the account numbers were written on the checks/money orders ) and calling me a " liar '', they are again exhibiting the same behavior. I will call the Citi XXXX on Monday XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CT)

After being a loyal customer to chase bank for 15 years several accounts credit cards etc never a missed payment never a fraud claim until now. Got fraud on my debit card in a hotel in XXXX where i stayed in XXXX and fraud was done in XXXX. Chase sides with hotel that produced forged documents from the fraud. I have proof i was working in XXXX the days in question and XXXX dollar chase bank is gon na side with XXXX hotel rather than 15 year loyal customer for mere XXXX dollars a month before XXXX the hard working middle class man
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

Received a escrow overage letter from my lender stating that my new payment would be less. 
I made the new payment in XXXX not realizing the adjusted payment was taking effect in XXXX. 
I paid the shortage ( {$70.00} ) but by then the lender had reported that I was thirty days late. 
Now it shows on my credit report as if I had not made a payment for over thirty days when in fact I had made a payment on time, just with the new amount.
Consumer complaint received 2016-12-03
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OR)

We have submitted an offer back in XXXX 2016. The loan servicer ( bayview ) said they need to do a land and interior appraisal before they can review the offer for a decision. This process has been delayed and ongoing for over 7 months. We feel the loan servicer has mid handled this file and is probably out of compliance with their review time.
Consumer complaint received 2016-11-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (FL)

Chase has refused to grant any forbearance for disaster victims in Florida. I am single parent and XXXX with a {$5600.00} deductible. My home suffered severe roof, garage and water damage during XXXX on XX/XX/2016. FEMA has not provided any assistance to me, other than to offer a loan I ca n't repay or qualify for. XXXX, services my loans and stated Chase was not willing to assist with a 6 month disaster forebearance. I dont ' understand how you are n't concerned with those in dire need but only with making money.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have called Transunion, XXXX about putting an " Fraud identity alert '' on my credit report. All ( 3 ) has asked me to send proof of an police report for identity fraud, I did send the information over to them. Everytime I speak with an rep at the credit bureau, they will not take the hard inquiries off my credit report. I have send in the information that they needed, so now they need to take off the hard inquiries.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX/XXXX/16 I sent Chase a certified letter disputing accounts XXXX and XXXX. Chase received the letter as confirmed by signature on XXXX/XXXX/16. I repulled my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 to find Chase had not reported the accounts in dispute as required by the FCRA. Furthermore, I sent a second certified letter to Chase stating the same on XXXX/XXXX/16. I received a letter from them on XXXX/XXXX/16 stating they had no record of an account for me and to send my SSN. I did not reply to this letter as it is apparant they already have my SSN if they are reporting it to the credit bureaus and damaging my credit and name.
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

This is the problem I have with my Capital One XXXX XXXX  company. I have had this card for years. During these years I have only used one checking account to make my XXXX card payment. I have had over {$20000.00} of nasty debt on this card. Capital one never questioned my payment source. Not once. Never once. So I paid off my crippling debt and relieved myself of Capital One 's predator lender interest rate. I called Capital One and reduced my debt limit to {$700.00}. I now pay off my XXXX card weekly or sometimes once a day. I am committed to never letting my card debt get out of control. 

So now that I no longer pay Capital One any interest whatsoever, AND they pay me cash back, NOW, they close my account down and claim that it is due to the need to verify my checking account. When I was struggling to make my payment they were happy with my one payment source. When I paid nearly {$20000.00} down on the card, they never questioned my checking account. Now that Capital One is no longer making massive amounts of interest off of me, they shut my account down and claim that it is because they want to verify the only account that I have ever used to make payments on this card. 

So, they restrict my account, lock my cash back and claim it is to verify my account, yet they still let me make payments on my card out of my checking account ... the same checking account I have used since day one. 

This has nothing to do with my payment source and everything to do now that Capital One is no longer profiting off of me. 

On XX/XX/XXXX XXXX XXXX restricted my account under the false premise that they want to verify my account. I did follow the instructions. Nothing. 

They were questing my payment source yet, I was able to use this very source on XX/XX/XXXX to pay {$150.00}, XX/XX/XXXX, I paid {$150.00}, {$50.00}, and {$60.00}. 

Again, I have had this card for years and I have never used an alternate checking account or source other than maybe a money order from a bank to make a payment and it's not until Capital one no longer profits off of me that they question my payment source.
Consumer complaint received 2016-06-24
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Selene Finance LP (VA)

Repeatedly calling concerning. a mortgagee there to four times daily. The mortgage has been modified for months. Payments are up to date and when told this, we are told they have no way of knowing this because the computer automatically generates the account as delinquent and they will continue to make the calls.
Consumer complaint received 2016-12-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Earlier this year I decided to open a bank account with Bank of America for my business. After opening a checking account I was told I could immediately start using the account for my business needs. After I started using the account everything seemed to be fine, if you weeks later I had a client purchase merchandise from me in which she paid for with a personal check. I had taken checks from this same client for years before so I did not think there would be anything wrong with the personal check. once I receive the check from my XXXX I deposit it in to my business checking account at Bank of America. A few days later Bank of America notified me that The check that I had to posit it was no good and they were going to close my account because it was so new. They also informed me that the funds that were in my Account at the time would be mailed to me in XXXX to 10 business days. After receiving my refund in the mail from Bank of America I deposited it into my personal account I have with my XXXX. About a month later I try to go open a business checking account at XXXX Bank and was told that I had a fraud reporting on my XXXX Report. After going through the extensive hassle of getting my XXXX report from XXXX they informed me that Bank of America had reported fraud on my account. I try to dispute the incorrect reporting information with XXXX but they informed me that only Bank of America would be able to change the information so I contacted Bank of America risk department and explain the situation they then told me they were not going to investigate the matter and that I would have to wait seven years in order for the incorrect information to fall off of my XXXX report. Not only is it unethical but it is also extremely unfair for Bank of America to abuse their abilities and calls me hardship. Not only is this deformation of character with my business but it is also preventing me from different business opportunities.
Consumer complaint received 2016-12-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BARCLAYS BANK DELAWARE (MT)

All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement
Consumer complaint received 2016-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (ID)

My wife and I have a first and second mortgage through Ocwen. Our mortgages went through a loan modification a few years ago under which XXXX of the terms declared that upon sale of the loan ( or refinance ) we would be subject to a fee of 25 % of the current appraised value of the home minus the amount owed on the mortgage. However, the fee of 25 % could be reduced based upon improvements completed on the home after the modification of the mortgage. We submitted the appropriate invoices for work that met the criteria of reducing the 25 % fee and we were denied by Ocwen citing that they " could not verify the invoices. '' The 25 % fee totals close to $ 25XXXX and the invoiced improvements total close to $ 20XXXX. We know the improvements to our property are valid improvements based upon the IRS regulations XXXX XXXX ; XXXX and do not expect to pay {$20000.00} to Ocwen because they simply " could not verify the invoices. ''
Consumer complaint received 2016-12-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a checking account with HSBC and provided all the requested information. They approved and opened my account and I deposited {$2000.00}. I did this in part because of their sign-up promotion : they promised I would receive a {$350.00} sign-up bonus for paying XXXX bills/month from the account for 3 consecutive months within 120 calendar days of account opening. 

I setup auto payments to fulfill the bonus requirements, which started for the first month. However, then I received a physical letter from them that they would be closing the account unless provided with more information. Since I was n't home at the time, I did n't see it, and then I received a note that my account was closed and that I could wire out my {$1900.00} remaining balance or wait to receive a physical check on XXXX/XXXX/16. 

They also blocked my online banking account so that I could not transfer my money out, so I decided to just wait for the check. However, when I called them XXXX/XXXX/16 to inquire about where my money was, they told me that my account was no longer closed after all ( while acknowledging the earlier communications they sent indicating that it was closed ). So no check was mailed and the money was still with HSBC. I tried logging in again and was still blocked, so I had to call back and wait on hold until they gave me access. I also realized that they had " closed '' my account for so long, it would not be possible for me to fulfill their bonus requirements. 

So I decided to close my account because of their repeated efforts to prevent me from accessing my own accounts and funds, thereby also making it impossible for me satisfy their sign-up bonus requirements. However, when I called their customer service on a weekday afternoon during their business hours, they put me on hold for nearly 30 minutes and refused to let me close my account. They finally told me to call back another day because I 'd been on hold for so long they were about to close ( this was on a call to HSBC on XXXX/XXXX/16, with reference # XXXX ). 

HSBC encouraged customers to sign up for a checking account to receive a bonus, blocked access to my account for long enough to ensure the bonus requirements could not be achieved, promised to close the account and return the deposited funds - but then withheld them and reopened the account so that I would unable to access my funds for over two months while also not being able to benefit from their sign-up bonus, and refused to allow me to close my account and withdraw the funds. This was intolerable behavior, and I 'm writing in the hopes that the CFPB can help me get my money back and force HSBC to pay some type of reparations for making their {$350.00} bonus impossible to receive, while holding my money against my wishes. 

Thanks so much for your help.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (AL)

On XX/XX/XXXX I bought a western union money order from XXXX for XXXX dollars. I gave it to my new landlord on XX/XX/XXXX. On XX/XX/XXXX he told me the money order wasnt accepted by their bank or that it was a bad money order. Im unsure of those specific details. 

I call to see the status of the money order and it says it was cashed on. I was advised by the landlord to submit a claim. I have both the money order receipt, and the receipt from purchase. 

On XX/XX/XXXX I try to submit a money order refund. Western unions website gave me endless captchas. Just a loop of captchas that no matter what just sends another one. I try again the next few days to the same issue. 


On XX/XX/XXXX i try again. This time it goes through and I get a email with a reference number. I call today on XX/XX/XXXX on a status for the money order. ( Initially stated it could take up to 30 days, but I just wanted some reassurance that everything was proceeding correctly as I havent received any updates ). 

I was advised by one individual to submit another refund claim for a cash pick up. Since it would take 1-3 days. Another Individual said since it was cashed on I cant submit a refund request and instead have to print off some form, get it notarized. And send XXXX dollars with it in the mail. 

Im totally frustrated, and unimpressed by their service. No one seems to be able to tell me anything regarding where it was cashed without me having to pay XXXX dollars and wait XXXX  amount of time for a photo copy eXXXX XXXX XXXX XXXX of even how to proceed with this. What to tell my landlord. I work XXXX hour days and the last thing I want to do is spend more time dealing with this in my free time. Where Im just not receiving clear information etc. 

I feel like Ive been cheated out of XXXX dollars and that its creating a poor tenant/ landlord relationship. I just want answers and to resolve this issue with ease.
Consumer complaint received 2016-12-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

I moved from XXXX to XXXX in XXXX of this year. BMW Financial Services failed to send me a billing invoice for my payment, even though I called, emailed and sent change of address through USPS. Because I did not get invoice, my payment was late by just over 30 days. BMWFS had my email, phone number, and all other contact info but did not bother to notify me of late status until it was too late. I disputed with the XXXX credit agencies but BMW refused to budge. My attorney stated that since they had always sent a statement that they have set the precedent and were required to continue to do so. Since they did not, then they are bound to remove the derogatory information from my credit report.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

I contacted and submitted a dispute validation letter to Experian and BY LAW Experian must receive the original document from the company i am disputing to validate the debt. And if it is not validated by Experian, even if the creditor does not delete it, Experian must delete it. They told me they are not requesting documents. The guy told me if the creditor replies back and says its validated, they will not remove it. THEY ARE NOT FOLLOWING THE LAW. Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). They are leaving it up to these scam collection agencies to validate the debt. I asked to speak to a Supervisor and he refused to let me speak to XXXX. He placed me on a long hold and said he was letting me speak to a supervisor but sent me to a voicemail. I called back and this girl also refused to let me speak to a supervisor. She placed me on hold, came back and she said the manager said she already spoke to me and said contact the creditor!!!!!!!!! i told her i did not speak to anyone, she placed me on hold and said, my manager has left and she can schedule a call back. She said her name was XXXX and her team name was XXXX. i am so disgusted with Experian. and they are suppose to be a Government Agency! I want the letter I sent to Experian, lawfully and correctly handled.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc. (KS)

Allied Account SRVS posted a debt of {$220.00} on my XXXX credit report. I do not owe this debt and I have never once been notified of this debt. 2 complaints with XXXX saying Ive never been notified and have no information on the debt have went unresolved. How can I dispute something if no one ever gives me information on it? Conversely, how can they prove its mine if no one provides any information?