davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

In XXXX 2015, I filed several disputes with and against Equifax with the CFPB. 
Prior to investigating and resolving the disputed issues, Equifax sent a credit report dated XXXX XXXX, 2015, showing no actions were taken in regards to the disputed items. I again disputed the inaccurate items and requested a copy of my Equifax credit report showing the correction were completed. Equifax is refusing to send my a copy of my corrected credit report and credit score. Per Equifax I received my free annual credit report on XXXX XXXX, 2015, which I did not request a copy of my free annual credit report I disputed inaccurate information on Equifax credit report. Under the FCRA I am entitled to a copy of my credit report showing the disputed items have been corrected and no additional information was changed during the process and Equifax is refusing to sent a free copy of the report. The consumer should not have to pay to see correction that were created by the very same credit reporting agency. This is a scam to charge the consumer to see a corrected copy of their credit report and a clear violation of FCRA.
Consumer complaint received 2024-08-24
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. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

A problem was previously resolved where the mortgage company, BSI Financial, put us into foreclosure for supposed missed payments. We filed a complaint with CFPB Claim # XXXX, and this was cleared up and supposedly rescinded as this was their mistake- we made all of our payments and provided proof. We continued to make payments and again they are saying they did not receive payments for XXXX and XXXX although they have attached proof. Our account manager, XXXX XXXX, calls my home harassing us, and refuses to give my wife any information and says she can not speak to her even though she is listed on the loan. Sometimes she does speak to her and other times she says she can not. We are tired of being harassed. We make our payments timely each month and they cash them, then say they did not receive them. Last time it got to the point that they started foreclosure proceedings. This time they are saying they did not receive XXXX payments and are charging us late fees even though they cashed the checks.
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

My loans, for studies at XXXX XXXX XXXX, entered the repayment period 3 months ago, however, I am unable to make the payments. I notified Navient through their Customer Advocacy division ( XXXX ) and they are well aware of my difficulties, having submitted to them a full financial worksheet detailing my inability to make payments on private loans. I gave them this information 7 months ago so that we could work out a payment plan that would prevent me from missing payments. 

Despite knowing of these issues well before my students loans entered their repayment period, I have not received a payment plan adjusted for my income and costs of living. In the last 3 months, I have sent multiple e-mails to Navient but have not received offers of alternate payment options. In the meantime, my credit is suffering since I am unable to make the requested payments ( of XXXX $ /month ). 

My complaint is simple : I am displeased with their failure to communicate within a reasonable time frame. For every XXXX I send to Navient over a 2 week period, I receive only 1 message in return, despite the urgency. That is, while I hope we can work together to agree on a repayment plan, my credit is suffering due to miss payments. 

I propose all future communications with Navient become restricted to the CFPB platform so that our discussion is monitored by a trusted third-party. From these discussions, I hope we can agree upon a fair payment plan.
Consumer complaint received 2015-04-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A. (GA)

I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for?
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

I have received 11 calls from Citi Bank on my cell phone asking me to call them. I call and I am asked my account number. I do not have an account with Citi Bank. I had several managers of Citibank research by the last 4 digits of my social security number and they find no records connecting me with Citibank. I have spoken with 4 different managers who said they would stop these calls. They continue. I have a high credit score, am a lawyer and I am stumped on how to stop this harrassment. Can you help me? They cal from XXXX and XXXX. I am directed to call them at XXXX, and then they ask me for my account number. Every day I tell them I do not have an account number.
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I appealed the decline of the loan modification within 30 days. Select Portfolio Servicing is not honoring the 30 day appeal process which is illegal per the Homeowner Bill of Rights Act. The underwriters have miscalculated my income and overvalued my home by over {$200000.00} in the original decline, now they are stripping me of my right to appeal. I have proof that I sent my appeal in by email per their instructions within the 30 day period. 


Please have SPS cease the foreclosure process per the Homeowner Bill of Rights and proceed with the appeal process.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

Caliber Home Loans is attempting to foreclose on my home without following the proper procedure. After the initial complaints to the CFPB I continued to demand a single point of contact ( of which they supposedly said I was enrolled in ) without ever being given any contact information for a single point of contact. Caliber has made it impossible to attempt to talk to anyone about any type of loan mitigation process such as a loan modification. Beyond this we have not received a proper 20 day notice to cure, or a notice to accelerate the loan. We have also not received any proper 21 day notice to foreclose. As such Caliber is now pursuing an illegal and fraudulent wrongful forclosure. 

Additionally I specifically sent them a certified letter explaining not to call any phone number for me on file, as I preferred all correspondence via letter for legal documentation purposes. They received this letter XXXX XXXX, 2015. Not only have they violated the FDCPA by calling multiple times after that date, they have also called at hours that the FTC has barred. For example on XXXX XXXX, 2015 I received a phone call from Caliber at XXXX. The the next day XXXX XXXX, 2015 I received another morning call at XXXX. Both calls were well before the XXXX allowed time for businesses to call consumers.
Consumer complaint received 2015-04-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

On XXXX XXXX, the PNC Bank branch in XXXX, New Jersey allowed my family member to make a deposit into my checking account. This is an unwanted deposit. I do not want any type of " friendly " deposit allowed into my personal banking account. This can not be allowed. I did not want the deposit and the information should NOT have been shared. My family member now knows my banking account information and received it directly from the bank teller.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

TransUnion shows 30-day late payments from XXXX XX/XX/2010 from XXXX on XXXX accounts. My accounts were always in OK and on-time status with XXXX. They have not removed these reports as requested, even though they are inaccurate.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PNC Bank N.A. (NC)

On XXXX XXXX, 2015 I closed a PNC {$500.00} secured credit card account. To this day, PNC refuses to refund my {$500.00} security deposit. I also have a checking account with PNC and made several visits to my local branch. The excuses started with a holding period for an entire 30 day billing cycle and mailing a check thereafter. Next, up to 45 days. Lastly, 60 days. Attached are photos of the credit balance on the closed account and {$28.00} already paid on previous statement.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

XXXX Another XXXX I lived in an apartment complex as a minor with a lease expiration near my XXXX birthday. I moved out and got my own place but my family remained in the unit. 

It was tax credit and under my uncle 's name so the kids could go finish and not change schools. Initially my mom applied and they told her her income was over the limit. She didnt even complete the application nor sign but they kept her application on file for 4 yrs with her social security number. 

When my uncle passed, my mom tried to finish off the lease payments but the new property management changes yearly and they said we had to move out because her income grossed too high. 

They went to court and the judge ordered the apts to return my mom 's rent money she had been paying since we were n't able to stay. They were trying to kick us out and keep month 's of rent at $ XXXX. 

Out of spite they ran bogus charges like {$100.00} to change a {$10.00} lock for example and many more until it added up to $ XXXX. They posted it to both my credit and mom 's credit history. 

I tried the credit bureaus to dispute and it 's been over 2 yrs and its still there. We got no 30-day dispute notification or anything. We found out by another apartment lease application. 

I called the original apt office who posted collections and got a new manager and she agreed to have it removed and send a letter to the new apts office but the leasing agent from before was still there and realized i was connected to that experience she had in court and squashed the resolution letter because of personal emotion that the judge sided with my mom in court. 

She was mad she had to return all the money and being a stickler for everything she could grab claws to and hadnt even verified the debt like requested but the credit bureau did not follow up like they were supposed to and kept extending them long grace periods for response which the creditor abused the system. 

When the lease ended I never signed anything to stay there. I had my own place. 

So here it is XXXX3 yrs later and i still have dispute under collections for my credit report. We spoke with other neighbors from the apt XXXX and they had similar experiences with XXXX kicking them out frivolously and posting to their credits.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: WELLS FARGO & COMPANY (CO)

I made a small purchase through my XXXX account, which was a gift I was sending to a friend. I checked " send as gift '' and entered her name, address and phone number in the shipping details. I paid for the transaction using my credit union bank account. 
The very same day, my friend received a phone call from Wells Fargo Bank asking for me to make a payment on my student loan! How can it be legal for Wells Fargo to have access to the information I enter into my XXXX account, especially when the transaction does n't even involve wells fargo bank? I had also made a payment within a few days before this incident
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

acct- XXXX wrote a letter and contacted CFPB stating in detail what I was complaining about!!! 
XXXX XXXX wrote a letter as I have recieved before at least XXXX times from other people saying same old non-sense! 
Tell us what you want give details explain, tell us about your situation in detail etcccccccc.! 
It is what they keep doing the CFPB needs to investigate this company Wells Fargo Home Mortgage. I have explained everytime the issue in detail. They are insulting me and trying to get over on CFPB. I am asking the CFPB to investigate and take action because they are probably doing this to many people and it 's not fair and intentionally deceiving. 
I have so many letters from there asking the same things as if we are dumb and ca n't understand. 
We ( my brother and I are furious ). 
I am also hoping everyone on this web site as well as all the other websites that I have utilized and do not do business with this company WELLS FARGO HOME MORTGAGE. 
They are liars they fool you, ruin your credit when it is not your fault. they do n't care about their customers.If you need all my documentation I have it to give asap. 
They take no accountablity!!!!!!!!!!!!!!!!!!!!!!!!!!! 
PLEASE CFPB PLEASE INVESTIGATE? 

XXXX and XXXX
Consumer complaint received 2015-06-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Card Receivables Fund Incorporated (AZ)

My credit report shows an account that Unifund LLC is reporting as a collection. I have contacted Unifund, have spoken with XXXX XXXX times. She told me they assigned an attorney to collect the debt. I initiated the call to Unifund and their attorney. Neither party can locate my " account ''. XXXX is treating me as an annoyance and this issue is causing me to delay buying a home. I called them to resolve this and I can not as they refuse or have nothing regarding this account.
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Over the past several years I have filed numerous complaints against Capital One because of the outrageous interest rates on my account. Each complaint resulted in the same canned response " we ca n't lower your interest rate ''. For many, many years the interest rate hovered around the 17 % mark, adding almost XXXX XXXX dollars in interest to the balance each month. After signing onto the account today, I noticed that the interest rate jumped up to 18 %. How can Capital One justify increasing my interest rate but each time I ask to lower it, I get the same response? I ca n't express my extreme disgust with this company. I 've been with Capital One since XXXX and used them fully until XXXX. For someone that 's been with them for as long as I have, I would have expected them to work with their customers instead of thinking it 's just to raise interest rates whenever they feel like it just because the " market dictates ''. My next step is contacting my senator 's office and then possibly, legal action. I received no notifications that this interest rate was going to increase.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CA)

I am currently graduated from the degree program for which the loans are attached to. However, I wish to file a complaint because I have noticed a common pattern emerge when attempting to use the auto-debit feature from SallieMae/XXXX payment system -- they say it works but it does n't actually work and it has caused multiple late fees and unwarranted phone calls. This has still occurred even after taking this to SallieMae 's Office of the Customer Advocate. Based on the auto-debit not working over the course of multiple months, I feel this is a predatory practice in which they assess more fees based on a faulty service.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WV)

There are XXXX late payments noted on my report with Experian, from XXXX, from XXXX XXXX, as up to day in XXXX XXXX. I tried disputing this with Experian with no resolution. XXXX negative/late payment reports ( 30 days ) are NOT correct. I was current with XXXX during that time, and all times prior/since.
Consumer complaint received 2015-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Asset Management (CA)

A co-worker of mine in a different branch office of the company I work received a call from Kramer Associates asking to verify my whereabouts. I am not familiar with this company at all, but an internet search reveals they are a debt collector. I have had no correspondence with them, so I have no idea what this pertains to or why they would harass my co-workers. If they feel I do have business matter to discuss with them, they should contact me directly and not at my place of business.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Back in XXXX I contacted Wells Fargo regarding a Home Loan for a new house I put an offer on. I sent them all of the information for my wife and I, and they ran our credit. Unfortunately, our offer fell through, but this past weekend we made and an offer and it was accepted. I contacted Wells Fargo this week and began the process. I communicated with XXXX XXXX XXXX XXXX XXXX at Wells Fargo. We discussed having only me be on the loan since my wife has bad credit due to her ex-husband. He informed me to get a Good Faith Estimate for just myself he would need to run my credit again, because his computer system would not allow him to provide XXXX for just me unless they started a new application. I asked him to just provide a Good Faith Estimate with the current loan having both my wife and I on it. Once XXXX XXXX heard I was not going to do the loan as an individual, he refused providing me a Good Faith Estimate unless we provide him with an addendum to our contract saying our escrow will be extended longer than 30 days.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

I have a Mortgage Loan with JP Morgan Chase, on my primary residence.Because of various hardships, listed in my hardship letter, I fell behind on my payments. I understand I am behind by 6 payments ( {$6300.00} ) including XXXX 2015. 

They have scheduled an Auction Date of XXXX XXXX 2015 to sell my home. So I had submitted a complete HAMP Modification package on XXXX XXXX 2015. They received it but said that I should have applied at least 1 month before the auction date. Since I did not do that, they are going ahead with the Auction. I DO NOT KNOW, IF THERE IS ANY SUCH RULE UNDER HAMP GUIDELINES.Please examine this and arrange to stop the auction. 
Since they are saying it is too late to do a modification, I requested them to allow me a Repayment Plan with 50 % of the arrears being paid now and the balance in say 6 monthly installments along with my regular payments.Even this they refused and are bent upon auctioning the property on XXXX XXXX. 

This is my Primary Residence, and I want them to give me a chance to keep it.If they auction it, my husband, I and my XXXX XXXX children will be thrown onto the street.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America had a credit card for me years ago. They set me up on a payment plan and advised me that my account would report paid as agreed. I had several people from their service line talk to me assuring me it would n't hurt my credit, but now they 're reporting it 150 days past due at some point. It 's been paid off for years in full. My credit scores are all over XXXX with all accounts paid as agreed. I feel they misled me and said whatever was required to get me on the payment plan. It was deceptive. I 've since asked them for records of the calls and past statements. They said they can not provide either. I 'm curious how they 're sure about anything on the account if they ca n't provide me records for transactions less than 5 years old.