davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

for the last month I 've received in the area of XXXX phone calls a day from capital one auto-finance ( XXXX ) asking for someone by the name of XXXX. this is not me. I have told this to them at least 20 times. they still refuse to stop calling me. it is taking time away from my employment and costing me money. is n't there a law in place to protect people from harassment from these companies. any help with this matter would be much appreciated.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This account is invalid. BANK OF AMERICA needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

BofA # XXXX
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Department of Education loan has been in income based deferment since it became due in XX/XX/XXXX. The status has always been positive till XX/XX/XXXX, when it is showing 3 late payments. I have contacted Dep of Education / Navient with this issue. They stated that the error may have happened when the loan transferred from XXXX XXXX to XXXX and while I was on the phone with XXXX representative, she made the proper corrections with all XXXX credit bureaus and also send me hard copies of the account status and a proof of our communication. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to TransUnion during XXXX different disputes, but the report remains unchanged. TransUnion keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from Department of Education. TransUnion is violating my consumer rights under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.
Consumer complaint received 2016-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I have been a victim of identity theft and credit fraud for over 3-4 years now and during that time, I have seen my credit score go from XXXX to XXXX. I have written to the reporting agencies, Equifax , XXXX and XXXX, and to this day, my reports have not been restored. I have also filled several police reports. During that time, several fraudulent accounts were indeed removed but some still remain and my credit score do not reflect my true record. I am so frustrated with everything and need help. I do n't know what else to do or who go to. 
Please note that I have been denied credit on several occasions because of this and I have been embarrassed several times as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX SS # XXXX
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (GA)

XXXX XXXX, 2015 - Called XXXX / US Bank Home mortgage because I discovered that additional/extra payments were being applied to future due payment, not towards additional principal. Spoke with XXXX to resolve, he advised that previous payments can not be changed and that I must send in paper checks or pay on their website ( allowing ACH ). Asked to escalate to management and was disconnected. Called back and spoke with multiple people : senior representative, XXXX ( ID ROM ), team lead, XXXX XXXX, XXXX ' manager, XXXX XXXX. Was advised they will reverse only future monthly payments towards additional principal and will not correct retroactively. 

XXXX XXXX, 2015 - Called back and spoke with XXXX. Informed them they only applied two extra payments towards additional principal and then reverted to future monthly payments. XXXX advised she will correct this and while putting me on hold the call was disconnected. 

It has been more than one year since I called them last XXXX. I do not know how long before that date my extra payments were not being applied towards additional principal. Despite calling them multiple times, the issue still still remains unresolved. I have even set up two monthly payments for different amounts per their request with the memo stating " additional principal payment, '' and yet my payments are being applied towards future due payments. This lack of correction on part of XXXX XXXX / US Bank Home Mortgage is costing me a lot of money every month and making them a lot of money every month.
Consumer complaint received 2016-03-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage charged me bogus property inspection fees every two weeks. They also put my payments in a suspense account and charge me late fees and report late payments to the credit reporting agencies. On XXXX XXXX they mistakenly took out XXXX payments for my mortgage when I had previously called to cancel XXXX. They have put me under financial strain and caused me to be late on other bills. My auto payment is late as well as utilities and credit card payments. Please help me
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: UNITED SECURITY FINANCIAL (PA)

My husband XXXX and we 're looking to obtain a mortgage through United Security Financial out of Utah. We first refinanced our home and then after we started working on the process of obtaining a new mortgage for our upcoming move. We had a closing date set for XXXX XXXX. We were told our final condition was showing that we would be renting our current home ( along with a few others that we satisfied ) and that they needed to see a lease agreement. This was provided. Fast forward to Thursday XXXX XXXX I get told they laid off an entire office, the office that was handling our mortgage. After this time it was hard to get a hold of anyone or talk to anyone. Now conveniently we all of the sudden dont qualify. Finally on the Friday after sending some concerning emails the manager called me and said that we could n't be approved. She had barely even gone through our file so much so she did n't even know our recent mortgage was refinanced through her company just in the prior month! She said the only way she could approve is via a XXXX arm FHA. After I said that is not what we were told and our mortgage was basically approved we would not be accepting those terms. She preceded to thank me for wasting her time. This company is completely unprofessional and I feel should be investigated. We did n't even receive all of the required disclosures when obtaining a mortgage. We almost lost the purchase of our home. Thankfully we found another company who was able to complete and process the mortgage with approval in less than 3 weeks. I have retained all emails regarding business with this company. I have all correspondence with this company from emails to text messages from the originator.
Consumer complaint received 2024-10-19
Product: Credit reporting 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. (AL)

THIS COMPANY IS IN IOLATION OF 15 US 1681N THESE FRAUDULENT INQURIES MUST BE REMOED IN 4 DAYS 15 USC 1681C-2. Please remove these hard inquiries from my credit report. Thank you
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I purchased a home in XXXX XXXX, XXXX ; and at that time I had a score of XXXX ; since closing on my home I have had multiple request for my report pulled without my permission. I notified the credit agencies to put a hold on my accounts and to delete all the inquiries on my file. XXXX ; put a freeze on my file and an alert and said they would notified the other XXXX companies to do the same. However, neither of the agencies are taking the effort to remove all the unauthorized inquiries on my credit file. The only response I get is that they will remain on there for 2 years. 
From the time of the close on my home to XXXX XXXX to XXXX XXXX I had a total of XXXX inquiries on my credit file ; that is unheard of and my credit score dropped to now XXXX i am now seeking you help with getting these agencies to remove all inquires from my file from the time of XXXX XXXX, XXXX to XXXX XXXX.
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (HI)

Hi, I hope you can help resolve the following issue. The Municipal Services Bureau sent a collection notice to me ; however, they have the wrong person. This is the second time this collection agency has sent notices to me for the wrong person at my address. 

On XXXX, XXXX/XXXX/16, I received a collection notice from MSB for {$1400.00} for alleged outstanding traffic violations emanating out of XXXX, XXXX XXXX XXXX. Several years ago I received a collection notice from the same company, again as a result of traffic fines out of XXXX, XXXX, Hawaii. In XXXX instances the middle name of the party is different from mine as well as different dates of birth and social security numbers. 

I 'm a XXXX, and have never resided in XXXX, XXXX, Hawaii. I also have never had a traffic violation in my life. 

Upon conducting checks for XXXX instances, I learned that the Municipal Services Bureau utilizes a " Skip Trace System '' that somehow gets my name and address for the above mentioned traffic complaints. I have contacted the courts for XXXX incidents and they do not know how the collection agency can get the information so wrong with what is provided to them. 

Please contact the Municipal Services Bureau on my behalf and remedy the situation. This would be greatly appreciated. 

I would like my name and address to be removed from their system and want a letter of apology from them and have them indicate what steps have been taken to ensure this never happens again. 

Thank you for your time.
Consumer complaint received 2016-03-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (IL)

XX/XX/2014 I received several letters stating that a debt I had with Citi bank went to collections. I have no accounts with Citibank so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called Citi bank which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.
Consumer complaint received 2024-10-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (PA)

I have a XXXX Credit Card that I use once, maybe twice a year. I recently learned that although I had paid my account balance in full after my last purchase, I had several late charges on my account and my account was past due. 

The reason for my delinquent account was that, without any notification, XXXX had been charging me a monthly " minimum interest charge '' of {$2.00} ( their defacto interest charge on a XXXX balance ). Each month I was not aware of this {$2.00} balance, they were charging me an additional {$27.00} late fee on top of the {$2.00} balance. My account is now 3 months past due and I 'm afraid that this nonsense will negatively impact my credit score. 

To me, this is an extremely devious trick and practices like these should result in a company being fined or punished. The entire concept of an " interest rate '' is dependent on a principle balance. Without a principle, THERE 'S NO INTEREST! Completely unacceptable business practice. 

Thank you for taking the time to read my complaint. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

We are resubmitting this complaint since it is meant for CFPB ( as well as Chase ). 

Dear CFPB : ( 1 ) Please investigate Chase 's mortgage account book. We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest XX/XX/XXXX and XX/XX/XXXX while they should have paid ~ {$9900.00} and ~ {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XX/XX/XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XX/XX/XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; and ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole ~ {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; and ( d ) interest. Actually, there is no escrow ; it 's paid off ; and Chase is paying a manufactured, ghost escrow.
Consumer complaint received 2016-03-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BlueChip Financial (CA)

When I called into payoff my existing balance on my loan for my Spotloan account on XXXX/XXXX/16. They told me that they are unable to process my payoff until XX/XX/XXXX so that they could collect more interest on my account. Since my finance rate is very high, I thought the process is unfair. 

Cordially, XXXX
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

Consumer went through XXXX from XX/XX/XXXX-XX/XX/XXXX and had a complaint in with my XXXX because XXXX was charging for procedures I never had. Received an updated bill from dentist that shows a XXXX balance before XXXX XXXX was involved. XXXX XXXX has made up a new bill that shows consumer owes {$1300.00} on credit report. Consumer has disputed this item for two years with all credit bureaus to no avail. Credit bureaus have curtailed all disputes. Consumer has contacted XXXX XXXX several times but was either placed on hold or transferred out. Consumer has attached a copy of the XXXX balance bill that was submitted to consumer by the local XXXX. XXXX XXXX will not budge even when I complained to a state agency. They did adjust the amount of the bill which is bogus.
Consumer complaint received 2016-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MA)

On XXXX XXXX, 2016, I filed an application to enroll in the REPAYE payment plan. On the same day, I delivered all of the necessary supplemental materials, including proof of income, to Nelnet, the student loan servicer, through the document submission email address provided on their website, XXXXXXXXXXXX. 

On XXXX XXXX, 2016, I received correspondence with the subject line " We 've received your income-driven repayment plan application '' from Nelnet confirming that they had received my application. 

On XXXX XXXX, 2016, I received correspondence with the subject line " Your request has been received '' from Nelnet confirming that my application was received and being reviewed. Within this email, Nelnet stated " You will receive additional communication from us regarding your request within 7 to 10 days. '' No further correspondence was received within the promised 7 to 10 days. Multiple phone calls to Nelnet were unable to update the status of my application or why I had not received further correspondence within the allotted time period. 

A further call had to be placed on XXXX XXXX, well after the specified period of time, and a representative was able to check my application 's status, notifying me that it was still not processed. The processing and notice was not completed until XXXX XXXX, 2016.
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have contact my current lender bank of america back in XXXX to request a loan modification due to my reduced income. I was told that unless I 'M LATE OR BEHIND ON THE LOAN I WOULD NOT QUALIFY ... Their representative clearly ADVISED ME TO STOP PAYING MY MORTGAGE IF I WANT THE MODIFICATION OFFER SENT TO ME ... ..With no other options offered to me I followed their instructions and stopped paying my mortgage. After I got an offer to modify my loan, representative assured me that if approved that all mortgage lates WOULD BE DELETED from my report. HOWEVER, 3 YEARS LATER THEY STILL HAVE NOT DELETED THE LATES WHICH THEY FORCED ME TO INQUIRE. I have been trying to reason with bank of america since XX/XX/XXXX but all I 'm getting is computer generated mail and no results or any attempt on their end to resolve this issue. Because of these lates now i can not refinance my house or get a better loan .... AND NOW BANK OF AMERICA CALLED ME OFFERING TO DO A DEED IN LIEU OF FORECLOSURE.. WHEN I 'M CURRENT ON MY LOAN ... they are desperately trying to STEAL MY HOUSE by ruining my credit and ignoring my request ... please help!!
Consumer complaint received 2016-03-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

Citibank HELOC team informed me that they would correct my late payments once my account was up to date. The representatives were trying to help me modify my HELOC. The process did not work and I ended up paying every penny back on my own. It 's been a while and I am trying to buy a home, my mortgage broker told me this account is holding me up. Can someone help me? Please.
Consumer complaint received 2016-11-25
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: TD BANK US HOLDING COMPANY (CT)

TD Bank 's XXXX loan department is employing unethical and possibly illegal " bait and switch '' sales tactics. The CFPB is hereby requested to investigate this bank 's operating techniques. 
Background : I applied for a home equity loan with the merchant o n XX/XX/2016 and after their check of my credit score and income received confirmation of the rate and amount promised by the TD sales rep initially. The TD loan processor then informed me on approx XX/XX/2016 that the bank was significantly increasing their offer interest rate and decreasing the loan amount based on, they claim, an appraisal. Their appraisal value is dramatically lower than one I had done just a few years ago and during the depths of the great recession, which does n't make any sense as property values around here have only increased since then. I have had other appraisals done over the years from previous refinances that reinforce my understanding of the property value. XXXX down with the TD loan processor reveals their appraisal uses some kind of hokey internet-based estimate and the TD underwriting department has refused to go by the traditional, more accurate, industry respected comparable sales appraisal. TD has obviously implemented a scheme to defraud consumers by using a low-ball fake property valuation methodology.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Billing disputes — 
Company: GreenSky, LLC (FL)

I received a home improvement loan from Home Depot. I have requested on numerous occasions an " itemized '' accounting of all the charges. There were services cancelled, credited and not done at all, but I can not verify the charges. I contacted the XXXX XXXX in XXXX, Georgia with a written request and was sent a " payment history ''. I am charged for items, assessed interest and demanded to pay what they will not verify.