davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX/XXXX/2016, at Navy Federal Credit Union ( NFCU ) 's branch located at XXXX XXXX XXXX, XXXX, VA XXXX, I submitted a request for XXXX bank wire transfer to a bank account in XXXX. I was told that it will take XXXX7 business day. It 's advertised on their website https : //www.navyfederal.orgXXXX. I 've been calling NFCU since XXXX/XXXX/2016 and I was being jerked around by them since then. On XXXX phone call dated XXXX/XXXX/2016, I was told by the representative that it 'll take XXXX8 business days. I told her it 's not true and requested to speak to her supervisorXXXX. He told me it 'll take XXXX4weeks. I replied that it 's ridiculous and they 're jerking me around. He promised to get back to me on the XXXX/XXXX/2016, XXXX that he will give me a call to update the status. He never called. Another XXXX XXXX called and claimed he was assigned to this case. NFCU is unable to locate the where about of my monies and claimed that they only let XXXX XXXX to handle the transactions. There 's no way to find out the status of the transfer, except to wait for their reply. I have n't heard from them this morning. I 'm upset with the entire incident as to how can a Credit Union 's only reply to their members on this incident as they had no idea where the monies are. I really hope the Bureau is able to assist me on this incident. Thanks for your time to read my email.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I was never late with a payment. Had some personal issues and my husband and I separated. He was XXXX XX/XX/2015. I requested a loan modification and was sent a repayment plan where I would be paying double the normal payment. I turned it down because if I could n't afford one how could I afford more. During their decision making process they said I did n't have to pay if I could n't, therefore I am now considered delinquent as I 'm 72 days behind, I 've been turned down for HEMAP and I 'm not sure what to do next. Things are back to normal, my husband and I are back together and can make payments, we just need help getting caught up with the back payments.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently made a complaint to cfbt and was unable to login to see the response from the credit agency. However, Since then, the agency has taken steps to even further damage my credit score. I have done everything in my power to correct my past mistakes and continue to build a respectable history. I feel as though this agency, Transunion and its employees or reps are incorrectly reporting and I would go as far to say taking retaliatory actions on my report as they have once again lowered my score by XXXX points. My score now is even lower than it was when I initially began to attempt any corrections last year. I have retained a malpractice attorney and we are in process of a civil suit. I 'm not certain as to what this site does to attempt to help and protect the consumer because nothing positive has happened since I have taken the time to reach out for assistance. I am writing once again to make certain I have record of every single action this agency has taken as well as snap shots of every time this agency has negatively impacted my credit with no cause. Every action all showing the same drop in score from XXXX points per change. Please note once again that I have increased by credit line, paid all payments on time the last 9 months, paid off XXXX debt collection ( I have XXXX at the moment. ) All of these positive steps I have taken Clearly should have increase my score, it is plain as day to see it is retaliatory action.
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (NY)

This all started on XXXX XXXX, 2016 when my husband attempted to pay biweekly, without asking if they accepted payments that way. This led to payments being placed in unapplied funds and the mortgage company calling about unpaid mortgage payment ; when they actually had a full payment plus 1/2 payment held in unapplied funds. We have since then made all the payments and they are still saying we have not paid, when actually we have overpaid by over {$1300.00}. Our credit has been destroyed and we have called several times to attempt to get this issue fixed, they keep saying they will call us back and that they will have someone review the payment history. I spoke with someone on XXXX XXXX, 2016 and we discovered the error on the call while reconciling the payments we made to their payment history. The agent I was speaking with stated that both our XX/XX/XXXX payment and XX/XX/XXXX payment were applied to XX/XX/XXXX. How could that be and how could they not see that as the error? they have reported to the credit bureaus that we have not paid our mortgage 3 times. I have had a pretty stellar credit history for quite some years and now my credit is destroyed and this company continues to report to the bureaus that we are not paying and they are also not finding a solution to the issue. Now my husband has made matters worse by not paying the XX/XX/XXXX mortgage payment, I understand my husband 's frustration in dealing with this company, as they have been grossly incompetent and have ruined me and any chance I have of moving on financially into any new endeavors. This company Homebridge Financial has been horrible since acquiring our mortgage from XXXX, which acquired it from XXXX XXXX. I feel like this is definitely a violation of my consumer rights and they have been unfair in how they are dealing with this issue and very deceptive in telling us they will get back to us, and someone will review the issue and so on. They have done nothing to fix this issue and this is snowballing into wrecking my life! if they continue to do this we will be ruined totally! we have attempted on so many occasions to speak with them and figure this all out and they keep giving us the run around and continue to report erroneously to the bureaus.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Transaction issue — 
Company: PENTAGON FEDERAL CREDIT UNION (NY)

On XXXX previous occasions such as this, XXXX XXXX has configured software logic into their banking system designed to force me into penalties and interest charges on a 0 % credit card offer by not allowing me to make a transfer or even pay my balance due. After many conversations over the phone I am told that a checking account balance must be resolved before this account may be brought current. These XXXX have nothing to do with XXXX another and should be considered fraudulent behavior by the CFPB.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (IA)

I have disputed the issue with Clarity Services and with XXXX but have not received a final response. I would like to file a complaint against Clarity Services, XXXX XXXX XXXX, FL XXXX. On my XXXX credit report are XXXX unauthorized credit inquiries by Clarity Services. XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. The other XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX. I did NOT apply for these payday loans. I have placed a fraud alert and security freeze with Clarity Services. I have written a letter to XXXX requesting to have these fraudulent inquiries removed from my credit report. I have filed a police report as well. Now I would officially like to file a complaint against Clarity Services. I see that they were fined XXXX dollars in XXXX XXXX. Looks as if they continue to commit fraudulent practices against people. Thanks in advance for your assistance. XXXX XXXX
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

By law Transunion only has 30 days not 60. In response to the file number with CFPB XXXX. Transunion stated they will respond in 60 days and that is not the timeframe that is stated by law 30 days is the law. 15 more days if another dispute is given.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

XXXX sent me a cancellation bill. Before I had moved to my new home I called and told them I was moving outside of their service area. According to the contract I signed I was not responsible for any cancellation fee if moving outside of their area. I received the bill XX/XX/XXXX. I called XX/XX/XXXX and tried to explain they were mistaken, but was transferred in a circle about 5 times before I just caved and paid due to their XXXX tactic to get people to pay for things they were n't responsible for. They cashed my check on XX/XX/XXXX and then sent the bill to collections in an attempt to collect payment twice. I called XXXX and confronted them about it and the " supervisor '' said he 'd look into it. I then called the collection agency which informed me I still owed them the same amount. XXXX never notified me or reached out in an attempt to collect the money due and never sent a second notice other than the original bill which was received 3 weeks ago. They have tarnished my credit which has never had a missed or late payment and they did this over a bill that was paid in full immediately after receiving their first notice.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (FL)

I placed a stop payment on a purchase due to problems with the quality of goods and services purchased however Suntrust Bank still allowed the purchase to be drafted from my account. On XXXX XXXX, I filed a dispute and provided Suntrust with the information requested. On XXXX XXXX, additional information was requested. On XXXX XXXX, Suntrust received correspondence from me in response to the letter they send me on XXXX XXXX. Yet, XXXX XXXX, I received a letter dated XXXX XXXX, stating that the dispute is CLOSED because I did n't send the additional information they requested. I provided proof of receipt delivery yet I was being led to. Matter fact, I called Suntrust on XXXX XXXX yet I was told by supervisor XXXX that they received my documents and are processing my claim. SunTrust is trying EVERYTHING not to honor Federal Law that protects me against legal protections for problems with the quality of goods or services purchased with a debit card/ credit card account ending in : XXXX. The banking institution has failed to has been unfair and deceptive in their dealings with me and I have reason to believe that its because of my gender and color. I have several colleagues of the opposite race and sex that have had favorable outcomes. But Suntrust always gives me a hard time. They treat me as though I 'm a thief. My rights have been violated. And conveniently, the account was CLOSED by Suntrust on XXXX XXXX.
Consumer complaint received 2016-06-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (KS)

BEWARE OF SPEEDY CASH IN KANSAS! THEY ARE SCAMMER AND LIARS!! 

I have paid over {$2500.00} on a loan for {$990.00}. I was told this would be for six months at 30 % interest on two separate occasions. 

Today, I requested a stop payment to Speedy Cash for the ACH transaction. However, it is quite difficult since the payment amounts change each two weeks. 

I have paid {$250.00} a month since XXXX 2015 .... It has now been 10 months. 

I was scammed! Ripped Off! Lied to .... and so disappointing. They owe me at least {$800.00}.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (OH)

Initially, I received a call from Receivables Performance Management. They only stated their name and asked for me to verify my identity. Unsure of the nature of their business, I asked what kind of business they conduct and told them I did n't feel comfortable disclosing my identity through sensitive information without knowing who they are as a company. They refused and said they could n't legally disclose that due to privacy issues. This seemed suspect to me so I refused and hung up. 

I called XXXX XXXX because I had just closed an account with them to see if there was any connection. After a conversation with a customer care representative, it was discovered that a {$49.00} charge was in error and that I had a zero balance. On XXXX XXXX, 2016 I received an email stating that my balance was zero and that " A request was already sent to update your account to the Outside Collections Agency. Please be advised that it will take within thirty days to update. '' On XXXX XXXX, 2016 I was notified by XXXX that a new collection had been added to my XXXX credit report in the amount of {$49.00} from Receivables Performance Management. 

I attempted to call Receivables Performance Management, but there was no answer after numerous rings ... not even a selection menu. No answer at all. I then called the billing department at XXXX XXXX and was transferred to an " account specialist ''. I explained my situation and asked them to rectify things with the collection agency with whom they have chosen to align ... communicating my frustration with how this collection agency either broke the law, or was operating on the fringes of the law. 

XXXX XXXX effectively stated that they could do nothing to remove the inaccurate credit report addition but resend the same information that they had sent in XXXX. Receivables Performance Management does n't answer their phone. This is the reason for my complaint with the CFPB. 

I could have an attorney send a letter stating which law the collections company is violating, but out of principle I should n't have to pay an attorney fee to fix this.
Consumer complaint received 2016-06-16
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY CREDIT SYSTEMS INC (NY)

I have been contacted every day for the last 6 months on both a home phone amd a cell phone from this company " SECURITY CREDIT SYSTEMS, INC.. '' They claim to be atempting to collect debt from a student loan. I received mail from the company with a website to access.in order to make payments online. Since I am an XXXX military member XXXX, I attempted to use the site to pay. After inputing sensitive information and attempting to start payments, it became clear that I may have fallen victim of a scam. I fear that I will become a victim of identity theft.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I applied for a secured credit card through capital one XX/XX/2016 on XX/XX/XXXX-XX/XX/XXXX. As of XX/XX/XXXX I was told my card was mailed out through an email and when I called in the rep told me my card was mailed on XX/XX/XXXX. I was told many times to wait 6-10 business day after that period I still did n't receive a card and was frustrated due to the long wait. I called 3 more times and asked if they could over night or send another that I have to sign for and was told they could through XXXX rep which he then transferred me but then I was told they do n't do that. Supposedly they send a XXXX card and cancelled out the first and I waited again 2 more weeks and still not XXXX of the XXXX cards came. I called again and asked for the cards and the account to be cancelled completely and for my security deposit back which was {$200.00} that was taken from my checking account in XX/XX/XXXX XX/XX/XXXX ( it cleared ). The rep said he 'd cancel the overall account and I spoke to many managers and supervisors and here it is XXXX XXXX 2016 and I still have received neither of the cards they claim they sent or my security deposit check. I 'm worried because I 've read their reviews and it seems as though this may be common with capital one. I do not want to be ripped off for my money that I need and it 's mine to begin with. So if someone can please do something about this and stop companies from deceiving customers I 'd appreciate it.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (KS)

Citi Gold Checking Account Promotion not honored. 
I had applied online for Citi Gold Checking account on XXXX/XXXX/2016. After that I did n't received my debit card for few days and so I called Citi bank on XXXX/XXXX/2016 requesting to expedite the delivery of debit card and same time I confirmed the promotion offer that I would be honor for opening new Citi Gold checking account. The name of customer representative was " XXXX '' and she mentioned that after making debit card purchase of {$1000.00} or more in 60 days and making atleast one bill payments for two consecutive months I would be receiving XXXX AAdvantage XXXX miles into my XXXX account after meeting the requirements. I have met the requirement for the promotion offer and now when I contacted Citi bank they refuse to honor the promotion. I would n't had mind if they would have informed be that I would n't qualify for promotion offer on XXXX/XXXX/2016 itself or at the time of application. But since I informed that I qualify for the promotion offer on XXXX/XXXX/2016 by XXXX so I think Citi Bank should honor the promotion offer.
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. (MD)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion contiunues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i asked Transunion to remove the payments and all they have done is lower the reported payments that i make. I ask the bureau to make transunion remove my child support payments from being reported.
Consumer complaint received 2016-04-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCB Management Services Inc. (TX)

I am being contacted repeatedly, like every single day, by XXXX XXXX XXXX of NCB Management Services in XXXX. His phone number is XXXX Ext XXXX. They say they are trying to collect a debt from my son, XXXX XXXX. My son has a XXXX XXXX XXXX and I hold a power of attorney for him. I pay all of his bills and am unaware of any that are not paid. I have asked XXXX XXXX for this information, but he refuses. He insists that I send him the POA before he will even tell me what the debt is for. If my son owes money to anyone, I will pay it. But I have not received any bills for anything. I just keep getting these harrassing phone calls!
Consumer complaint received 2017-01-12
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

AT SOME POINT IN TIME JP MORGAN CHASE BANK BECAME SUCCESSOR TO INTEREST ON MY MORTGAGE AND I DEMAND ANSWERS AS TO WHAT SPECIFIC DATE THIS TRANSPIRED AND FROM WHOM. I ALSO WANT TO KNOW WHAT LOAN NUMBER THEY HAD FOR ME. I DEMAND THESE ANSWERS FROM THEIR LEGAL DOCUMENTATION IN WRITING.
Consumer complaint received 2017-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I was informed via email on ( X/XX/17 ) from Cash Central a reminder notice that I had a payment of {$380.00} that would be withdrawn out of my account that was due on ( X/X/2017 ) on a loan of {$2500.00}. I immediately called & informed the Rep.I spoke with that I definitely did NOT borrow any money, no money had been deposited into my acct from their Company, let alone was not aware of such a transaction had taken place in my name until that date Therefore it 's evident that someone had committed fraud against me & I wanted to get this matter resolved asap! I was told that I would have to fill out an Identity pkg, sign a affidavit, have it notarized & get a police report which they were suppose to email me., Unfortunately I never received the pkg from them & had to notify them at least ( 3 ) times as such. They finally mailed me the pkg on ( X/X/17 ) which I received on ( X/X/17 ). <P/>As a result, I 've filled it out & faxed to them on ( X/X/17 ) & at this point, it 's still a work-in-process until I hear from them & get the outcome of their findings.