davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XXXX 2015, I deposited a check at USAA of {$1100.00}. Once deposited, {$500.00} was available on my account. The next day, I looked at my account and it stated that the check was on hold and my account shown a negative balance of {$490.00} was place on my account. When I spoke to the bank, they stated that this was a federal regulated hold that was randomly placed due to the longevity of my account.
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Good-afternoon, I am submitting a complaint on Chex-systems because on or about XX/XX/XXXX I requested a Chex-systems report online because of an identity theft issue that I have. I reviewed my report and found a fraudulent account that was established in my name for the sole purpose to apply for a credit card in my name with XXXX XXXX, because if you are not an existing customer they require for you to apply in person. The identity thieves established this account and the account went in to charge off status once they used the credit card and deposits were never made to the account. There were also a list of fraudulent inquiries with several institutions they are as follows XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. The last time that I applied for a checking account was with XXXX XXXX XXXX which they have been my bank since the merger of XXXX. I sent in a fax to Chex-systems with XXXX different police reports that were filed on separate months because of the continued theft against my personal information. I have had a lot of frustrations with this issue as it has been my responsibility in contacting each institution and notifying them of the theft. I am filing this complaint and attaching a copy of what was sent to chex-systems by fax, in hopes of clearing my name from any negative reporting and inquiries that have resulted from the fraud that has been committed against me. My file should be reporting free of any charge offs and no inquiries against my report as i have not applied for a checking account since XX/XX/XXXX.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Payoff process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I set up a settlement agreement with NFCU and they told me upon completion of my settlement arrangement that they would remove it OR report it as a XXXX balance settled for less than the amount owed on my credit report. They removed the trade line from my XXXX report completely but they have simply lessened the amount owed after I paid them and not closed the account and removed it OR reported it as a {$0.00} balance to XXXX or XXXX as promised in my settlement agreement with them. The balance should either be {$0.00} or they should remove it completely to the other credit reporting agencies as well.
Consumer complaint received 2016-02-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My grandmother wrote me a check for XXXX, but the date was wrong. I did not notice until the bank teller told me so. Now, this is understandable. I laughed it off and went home to call my grandmother. She apologized and wrote me a new check. Now, keep in mind that she is XXXX XXXX XXXX. After driving quite a distance to pick up this new check, I arrived approximately 1 week later to the very same bank location. And the very same teller. Little did I know, my grandmother had crossed out the new check number and written the old check number. Apparently this is not okay. So, I was denied once again. A little frustrated at this point, but by no means mad. This is again, understandable. After waiting a week and driving ANOTHER quite a long distance, I pick up a third check from my XXXX year old grandmother. Did I mention this has taken up a significant amount of my time and money? Driving long distances and leaving work early, etc. I arrive at the bank once more, same location, same teller, confident that " third times a charm. '' Well it is not. This time, my poor XXXX year old grandmother 's handwriting is " illegible. '' It is to the point where I am being profiled. I was told I need to tell grandma she needs a power of attorney. My grandmother does not need a power of attorney. The best part is, I heard XXXX tellers say the amount of this check aloud. It 's clearly legible.
Consumer complaint received 2016-03-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

A bank ( BoA ) incorrectly listed me as having late fees on their credit card which appeared on my credit report while applying for a loan. I had pulled my credit report prior to applying for the loan and it was not on the report, it was applied sometime within 30 days of applying for the loan. I 've never had a BoA credit card so I knew it was not mine. I attempted to dispute directly with BoA but they were difficult to deal with. After multiple attempts and much frustration I finally found someone who would check the account referenced on the credit report. BoA confirmed the error and stated they would notify the XXXX reporting firms. Within 60 days I received a letter stating BoA considered the issue 'closed '. I am dubious and frankly concerned. My loan was questioned due to the incorrect reporting on behalf of BoA ; BoA offered little to no assistance in correcting the error ; and I can not obtain my 'free ' credit reports to measure whether the 'error ' was in fact removed as I had pulled my reports earlier this year. So how does one verify for free that errors were removed? It would seem that if a letter is received from a bank/firm allegedly stating the " issue is closed '' then a consumer should be allowed to obtain free verification of their credit report at the cost of the bank/firm that made the error. 
Why are banks/firms allowed to report 'errors ' yet there is minimal responsibility on the banks/firms to correct even when presented with evidence? The check and balance is not there. Consumers are left to fend for themselves sometimes unknowingly that a bank/firm is reporting erroneous information. As a side note, BoA offered no apologies. Only a statement of 'an error '.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: EXPERT GLOBAL SOLUTIONS, INC. (AZ)

After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to NCO Financial Systems , Inc. ( A debt collection agency - herein " NCO '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly XXXX years after said letter was received by NCO, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from NCO Financial Systems, and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from NCO, I simply disconnected the call, and began filing this complaint.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I obtained from XXXX, XXXX, and XXXX the annual free credit reports to which consumers are entitled. XXXX reported XXXX hard-pulls for information from " Capital One '' throughout XX/XX/XXXX. XXXX similarly reported XXXX hard-pulls for information from " Capital One '' throughout XX/XX/XXXX. THIS MEANS THAT " CAPITAL ONE '' ( or someone purporting to represent them ) REQUESTED MY INFORMATION ON XXXX SEPARATE OCCASIONS WITHIN A XXXX MONTH TIME PERIOD. 

I do not now nor have ever had any accounts with Capital One or their affiliates. I received no solicitations for credit card business from Capital One. I similarly have no credit, gas, or store cards. Likewise, I have not made any application for credit to any financial, retail, or any other type of business. Additionally, I have no intention to initiate any business, professional, service, or any other type of relationship with " Capital One '', given the fact that each telephone conversation I have had with their representatives included dismissive and unprofessional responses on their part. Each time I called them, Capital One refused to provide any explanation, other than to confirm that I have no active accounts with Capital One. 

During the time period in which these inquiries occurred, I was involved in a dispute with a XXXX, NJ. attorney ( who once served both as a member and a XXXX of the New Jersey Supreme Court XXXX XXXX XXXX ) regarding an estate matter. I find the correlation between these XXXX seemingly unrelated matters very curious. 

Following the discovery of the credit report entries, I initiated disputes with both credit bureaus. XXXX response was to simply remove the entries from the credit report without providing an explanation. XXXX 's response was to keep the entries on the report and not provide any explanation whatsoever. 

This activity is highly suspicious. Capital One will not acknowledge requesting the information, and both XXXX and XXXX refuse to address the incidents. I reiterate : During all of XX/XX/XXXX, I was not once contacted by " Capital One '', nor did I make applications for credit to any corporation, financial institution, or place of business. I strongly believe that XXXX ( XXXX ) hard-pulls for my CR within a XXXX MONTH TIME PERIOD by a company which I had and have no accounts with, nor solicited me regarding same, is ABUSIVE, EXCESSIVE, and SUSPICIOUS. The CRs reflecting these occurrences are attached to this Complaint. 

I request for assistance in obtaining an investigation or the results of any investigation already conducted, as well as those which may be conducted, into why these incidents occurred.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC. (TX)

A debt belonging to an ex-spouse resulted in a lien against my house. I have been divorced for 4+ years. The divorce decree states the debt is her sole responsibility. The debt is in her name ( I am not part of the original contract ). Her name has been removed from the property and has been confirmed by county records. The company Midland Financial refuses to speak with me regarding the matter because my name is not on the account. I am not looking for anything more than getting the lien released from my property since the debt is not mine in any way. Attorneys say they can not help me and the county says there is nothing I can do, but there is no way this can be right? I need your help because I do n't have the money to afford extensive litigation.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

loan sold to Green Tree ... awful awful ... now Ditech..awful, awful ... I have been on a repayment program which was to XX/XX/XXXX, yeah! now had a notice payments going up {$150.00}, according to some stupid escrow rule they have, ..when I called, they blamed it on XXXX, of course, and the way they handled my loan. 

How are these people still in business??? Who can help us???
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My first issue concerns the length of time it is taking to settle this refinance. On XX/XX/XXXX, I filed an loan application with Citizens Bank for re-financing my home. It 's now XX/XX/XXXX, and I still do n't have a closing date. They tell me this is because of delays from Underwriting. 

Second issue : They are now insisting that I remove security bars from " all '' the basement windows in my home because they say these security bars pose a " safety issue '' rather than just removing the bars from XXXX window per room in the basement, thus addressing any safety concerns for a quick exit. Besides, I do n't see how this is any part of their concern, as this would be something that would addressed by a homeowner 's insurance company, who regularly do hazard inspections. They say this is the Underwriter 's request. 

Third issue : This mortgage was originally obtained through Citizens Bank in XX/XX/XXXX, but then a few months later, I got a " welcome letter '' from XXXX. that they were now servicing the loan. I forwarded this welcome letter to Citizens Bank last week, as they said it was my responsibility to provide proof of which bank now holds the lien on my property. Now they are telling me, that that is not enough and I should obtain more information from XXXX. Is n't this the job of the title company assigned to my file or should n't the employee of Citizens Bank, who is handling the loan subordination take care of this? 

My fourth and final issue is that they are now quoting me over {$11000.00} in closing costs, for a refinancing on a {$610000.00} loan. That seems very high to me.
Consumer complaint received 2016-03-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (WA)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that their client " LVNV Funding LLC '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is LVNV Funding LLC and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about LVNV Funding and find that there is a ton of information on credit reporting websites that show this LVNV company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.
Consumer complaint received 2016-02-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

In 2010 I applied for a loan modification. During the 'trial ' period I was given a payment amount to make and I paid each and every payment on time and complete as agreed until the modification was approved on XXXX/XXXX/2010. I have recently discovered that Bank of America has been reporting me as having late payments and this has had a negative effect on my credit score, dragging it down, according to my current servicer, to XXXX. I never made a single payment late nor did I pay a late charge. I recently disputed this through XXXX of the credit reporting services but Bank of America has refused to correct it. At the time I applied for the modification I was told that it would not effect my credit as long as I made the required payments. In checking the .gov relative to the modification I found that BOA was not supposed to have reported me as delinquent. I would like for you to handle this before I need an attorney. I believe that I am not the only victim of BOA in this and BOA should be investigated for this practice.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (FL)

Macy 's Card Services customer service makes it almost impossible to pay my bill in a straightforward manner ( unless I paid in person at a store ). I have been unable to successfully obtain my credit information through my online account for the last several months in order to see a statement, pay a bill, or review purchases. *As a side note, although I have changed/updated my address to reflect a new location, this did not trigger in their system on XXXX side and information goes to another address ( happens to be a relative of mine - thankfully. I am concerned about their ability to maintain PII in check/identity theft concerns ). Furthermore, I requested over the phone to receive paper statements after having gone paperless previously in order to send in a check each time. I did not receive a paper statement consistently. Both the tech side and customer service side of Macy 's was unable to completely resolve the issue and hence, why I am writing to the CFPB. If the website were my only concern, I would not write this complaint ; however, here are several of my other concerns : 1. Customer Service line is busy each time I have called and eventually, the line goes dead or it states that they are too busy to answer the call and the line hangs up. The only instance where this does not occur is if you call collections ( how convenient for them ). I have never intentionally missed a payment on any card and the experience is less than favorable. 
2. When I requested to speak to a manager/supervisor or person with authority on several occasions, I was either denied or my request was met with a considerable amount of attitude. Only once was I able to get through to a collections supervisor who realized my issue was due to my inability to get through to the technical services department for website issues. 
3. When I asked to close my account and cancel the card, the rep asked over XXXX times if I wanted to cancel. This is an overt attempt to keep the card open after repeated requests to close. 
This frustration is probably felt by others and could be detrimental in multiple ways.
Consumer complaint received 2016-02-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TRANSWORLD SYSTEMS INC (VA)

I became behind on my XXXX XXXX XXXX when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.
Consumer complaint received 2015-09-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (VA)

On Wednesday, XXXX XXXX of 2015, I was in receipt of a " Warrant In Debt '' which was serviced by a XXXX party service provider, XXXX This packet alleges I acquired an account from XXXX XXXX Bank which has been charged off due to non-payments. With review of the document ( s ), the debt has been sold a total of XXXX times ( i.e. XXXX ; XXXX, XXXX ; XXXX, XXXX ; Midland Funding ). Due to the recent sale, the new owner, Midland Funding placed the account / file with an attorney firm which they 've prepared the file to seek judgment against me within the state of Virginia ( Docket Number : XXXX ; their case file number : XXXX ) and I have absolutely no knowledge of this debt. Speaking of Midland Funding and the attorney representation - once a debt buyer and/or creditor purchases a debt then they have up to 30 days to issue a Demand / Dunning letter, and if the debt is to be serviced / collected on the companies behalf through Contingency or Legal strategies then a Demand / Dunning letter is required to be issued to the respective individual several days after placement. In result of such, I was never given an opportunity to dispute any of their claims since a demand letter was not provided and I did not find out about such debt until I was in receipt of the " Warrant In Debt ''. I have a permanent hardship which is not the businesses rights to know my medical history, but these measures are unfair and I 'm being taken advantage of when I did not acquire a debt from XXXX. I seriously do not need to go through litigation for illegal practices on behalf of the new owner and the XXXX party vendor / attorney. To the point - this is not a debt acquired by myself.
Consumer complaint received 2015-09-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (TN)

Allied Interstate LLC calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.