davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chex System furnished a fraudulent account on my consumer report. And it has came to my attention that I was discriminated against because Chex Systems shared my consumer report which involves a fraudulent account on my consumer report. I did not give Chex Systems permission to share my consumer reports with any other organization. 
Pursuant to 15 usc 1681m ( B ) - If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall, to dispute with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency. My rights have been violated. Chex Systems did not verify the debt. I was never notified when this inaccurate information was furnished, and I was never notified during this company 's initial investigation that you were going to report this information.

Pursuant to 15 usc 1681 ( a ) ( l ) - This grave error has undermined my confidence in this company 's procedures, and as a result if this I will no longer by extending credit, and if this information is not removed, I no longer want my information in your company 's database. 
Pursuant to 15 usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. You all did not insure that this information is correct and you did not exercise your grave responsibility with fairness and impartiality.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing this letter due to what I believe to be misleading and perhaps fraudulent behavior of Bank of America against the consumer regarding interest rates on balance transfers. I opened a Bank of America credit card XX/XX/XXXX years ago because I was offered a promotional rate of 0 % interest on all charges until XXXX XXXX. I also took advantage of repeated 0 % promotional interest rates for balance transfers. In XXXX XXXX I transferred balances equaling {$3900.00}. As of my statement for XX/XX/XXXX- XX/XX/XXXX my balance were as follows {$1900.00}. XXXX purchases promotional rate until XXXX XXXX, balance transfer {$1500.00} promotional rate until XXXX XXXX, balance transfer XXXX promotional rate until XXXX XXXX. By my statement for XX/XX/XXXX- XX/XX/XXXX, it indicates that I had paid off all of my balance transfers. I received additional balance transfer offers which would not generate interest until XXXX XXXX so XX/XX/XXXX, I transferred {$5600.00} as indicated on my statement dated XX/XX/XXXX-XX/XX/XXXX. I later transferred additional money for a promotion lasting until XX/XX/XXXX. Therefore, I was shocked XX/XX/XXXX. when I started paying interest on my whole balance. I called and asked about my promotional rates on balance transfers, they said all of the balance transfers had been paid. When I did my balance transfers with them, I asked would there be something XXXX that would prevent me actually seeing the no interest rate promotions until XX/XX/XXXX and XX/XX/XXXX and was told no. The statements say that payments are allocated, " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimal Payment Due to the lowest APR balances first ( including transactions made after this statement. ) Payments in excess of your Total Minimum Payment will be applied to balances with higher APRs before balances with lower APRs. '' While, I paid some {$9000.00} on my credit card for the year, I thought I was making payments both on my purchases and on balance transfers. However, somehow BofA only applied my payments to my balance transfers exclusively at first so that I would not be able to take advantage of the promotion interest rate on the balance transfers which is what lured me into making the balance transfers. This is not explained on the statement, was n't told to me verbally when I asked and I do n't see such info on the tons of offers they keep sending me. This is slight of hand for the consumer. 
I hope you can help protect consumers like myself from such financial chicanery and shame on Bank of America, a name with such a long legacy, in whom we should be able to trust.
Consumer complaint received 2016-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I am recently paying for my student loan that is defaulted. I been making on time payments of the amount i am able to afford. I have been asking for paper reciept and to file for my taxes but i have never recieved. I was told to make 9 monthly continues payment and my loans should be out of default, now i am getting a letter from a different loan servicing threatining a wage garnishment for the same loans i have already made 9 consecutive payments of thinking i would be out of default.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Hello, In XX/XX/XXXX after the fall of the Mortgage business, my second mortgage loan was charged off by the servicer XXXX due to my bankruptcy filing in XX/XX/XXXX. After being unemployed for XXXX years, I was no longer able to keep my BK payments of {$2500.00} per month and my chapter XXXX was dismissed but not prior to my unsecured debts being charged off in bankruptcy. I then request that my XXXX mortgage loan be modified by Litton Loan. However, Litton Loan Servicing company was closed down at the end of XX/XX/XXXX and my loans were transferred to Ocwen Loan Servicing. Ocwen modified my first loan and invalidated my second mortgage. I have been paying on this modified loan now for over 4 years. I am now being contacted by XXXX XXXX, a collection agency, in an attempt to collect on the charged off XXXX mortgage debt under the name of Ocwen Mortgage. Ocwen Mortgage said that they have nothing to do with that debt. I 've asked both Ocwen and the collection company for the name of the investor they are collection payment for and I can not get an answer. The leins are recorded in the name of XXXX Mortgage, the company that fund my mortgages, however they filed chapter XXXX bankruptcy in XXXX and the bankruptcy case was closed in XX/XX/XXXX. I have attempted to contact XXXX Mortgage with out any success. I have also contacted the trustee that handled the bankruptcy and they have no contact information. Through MERS I found the investor listed on my first mortgage as XXXX Bank as Trustee for XXXX Mortgage and the second was listed as XXXX XXXX XXXX for XXXX Mortgage. I contacted B of A and they could not find an active account for the second mortgage and was not able to help me any further. If the debt of the second mortgage still exhisted in the name of Ocwen, why was this not address at the time of the loan modification. I do not have proof that either Ocwen or LCS Financial has any rights to collect on my mortgages and I am asking that they prove that they have the right to collect on these debts. 
Thank you, XXXX
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caneel Capital, LLC (CA)

Trinity Financial Services LN XXXX XXXX XXXX CA XXXX We have been calling Trinity for the last several days. It goes right to voicemail and no one will pick up the phone, nor will they return our phone calls. 

Have they closed down? Have they been seized by the Feds?
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP ()

On the year XXXX the XXXX mortgage with XXXX XXXX then held by my father was in default. He was very ill and was XXXX. He tried to negotiate with XXXX XXXX and requested a deed in lieu. 
He was not successful and shortly after on XXXX XXXX he passes on. I inherited the house with default. I immediately seek legal advice. However it was not the correct XXXX. The attorney actually stated it that the house was in foreclosure and there was nothing that could be done. I continue to seek advice from other sources and other attorneys to now find myself in a very dangerous situation. My home, my inheritance continues to be in foreclosure and I need to safe my home. This is my only shelter. 
On XXXX XXXX I received a notice from Selene Finance that they were now holding our mortgage. I approach them and no one could help me. I have hired an attorney XXXX XXXX XXXX who is helping me with he paper work. I have requested a loan modification with Selene Finance however my shelter, my home is listed in the news paper for a foreclosure sale day of XXXX XXXX .Please note that these banks due not take the time to help. I am asking for you to please have my file review and give a chance to keep my home.. 
thank you
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

My wallet was stolen in XX/XX/XXXX-XX/XX/XXXX and a collection bill for XXXX XXXX XXXX, an auto loan from XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

A letter was sent to Experian on XX/XX/2022. To date, I have not received a response from them regarding my request for a thorough investigation of several accounts being reported on my credit report. It is my understanding that Experian is in direct violation of my rights to receive a thorough investigation within 30 days of requesting.
Consumer complaint received 2016-07-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

XXXX/XXXX/XXXX I have a maturing ( XXXX/XXXX/XXXX ) JUMBO CD @ CIT online bank. I sent them 2 letters XXXX XXXX, XXXX XXXX w/instructions to wire the $ in full to my credit union as I have done previously at least XXXX w/other CD accounts there, I also faxed a letter w/their form and made several phone calls & e-mails to " make sure '' this would not roll over as I am dissatisified w/ this bank for many more reasons ... today I was " grilled '' by XXXX from CIT bank, security questions about my existance from 40 years ago ( XXXX )! plus, too many of them all different questions from when I originally established this account ... I was told I may not get MY $ because a " 3rd. party entity, they refuse to identify has to check me '' ... I have more than COMPLIED, they say they never recieved the letters I sent & I keep getting conflicting/wrong info from them about where they are who is in charge, address ... .I want MY money OUT of CIT bank upon maturity ... they are abusive/security abuse, over kill, treat me like a criminal, change their " protochol '' and have caused me much duress & XXXX ... they wo n't even give you a paper/hard copy of your account info ... ..BAD BANK! XXXX
Consumer complaint received 2016-10-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VT)

Wells Fargo opened a line of credit account in my name without my consent. I have been on the phone with them for hours over the past few months trying to close out all accounts with them. Their phone representatives tell me the accounts have been closed but I keep getting statements for a line of credit stating the balance ( which is XXXX ) and the available credit I have.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

PLEASE HELP, IVE BEEN STARVING, HOMELESS, FOR MONTHS. IVE LOST ENDLESS REVENUE FOR BUSINESS, LOST. LOVERS, FRIENDS Citibank froze my account randomly at a date unknown around XX/XX/year>. Just because i was making a lot of transactions. I was falsely accused of money laundering, that seemed to have passed. Two mysterious letters with codes have been sent with a code i need to read to verify my identity HOW IS SHOWING UP IN PERSON TWICE WITH MULTIPLE FORMS OF ID ANSWERING ALL SECURITY QUESTIONS WITH MY DEBIT CARD NOT MORE VALID? THIS IS ABSURD. RUINING MY LIFE.
Consumer complaint received 2017-01-14
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: American Consumer Credit Counseling, Inc. (NV)

I 'd like your intervention in getting the cancellation response from the following company : American Consumer Credit Counseling XXXX Inc. 
XXXX XXXX, MA XXXX Client Reference # XXXX ; XXXX I had previously contacted this company for credit counseling. The process was scheduled to start on XX/XX/2017 with an initial amount of {$980.00} to be drafted to my Bank account on or about XX/XX/2017. In the meantime, I decided to cancel the arrangement, and I notified this company several times through email notifications. I also tried to contact the company by phone, but they 're not reachable ; and nobody contacted me after leaving numerous voicemail messages. The company needs to send me a confimation letter stating that proposed contract is cancelled and they would make no withdrawals from my bank account.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (CA)

I have been trying to communicate with XXXX and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my Early Warning Systems report. I am well aware that EWS was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my XXXX request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from XXXX maybe Early Warning Systems can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. I am holding EWS responsible since hey publish the information, which is inaccurate and does not belong to me since I ca n't get anywhere with XXXX. 

I am a XXXX XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car accident. 

Please do not call and communicate only by way of the CFPB portal or mail only.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: NAVY FEDERAL CREDIT UNION (VA)

NAVY FEDERAL CREDIT UNION CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION AFTER HAVING BEEN DISPUTED MULTIPLE TIMES. COMPANIES FAILURE TO PROVIDE ADEQUATE PROOF OF DEBT WHEN REQUESTED WHEN REQUESTED MULTIPLE TIMES SINCE XX/XX/2015. CONTINUES TO TARNISH CREDIT WORTHINESS AS A RESULT. AS A RESULT OF TARNISHED CREDIT WORTHINESS I HAVE BEEN DAMAGED FINANCIALLY AND MY CREDIT REPUTATION AN EMBARRASSMENT BECAUSE OF NAVY FEDERAL CREDIT UNION CONTINUING TO HARRASS ME BY MEANS OF DAMAGING MY CREDIT AND PROVIDING FALSE INFORMATION TO ALL XXXX CREDIT BUREAUS, EVEN WHEN DISPUTED.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Fraud charges and temp authorizations on credit card. Called BAC they were no help, hung up, called back and they said call XXXX. Called XXXX they said call you Credit Card company. BAC credit card XXXX has charges on XX/XX/2017 for {$65.00} and XX/XX/2017 for {$40.00}. I am a XXXX customer and do not do business with XXXX. Please remove the charges and reissue a new card.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I 'm having a hard time understanding how both XXXX and TransUnion are violating the FCRA by not blocking these XXXX accounts within 4 business days after the receipt of my letters. I wrote last month letting them know that I 'm a victim of identity theft and that I require these items to be blocked and removed immediately and absolutely nothing happened! I sent my letter, identification, affidavit and police report and it makes no sense to me how they can just disregard this information! 

The account I 'm disputing with TransUnion is : I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX XXXX I did n't apply for this, I did n't open this, I did n't do it online or in a store. This is NOT my account! This is a fraudulent account and must be blocked immediately XXXX
Consumer complaint received 2016-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (CA)

I contacted XXXX T by email on XX/XX/XXXX, regarding a {$61.00} debt a company called ERC stated was assigned to them from XXXX XXXX XXXX. I received a response on the same day from a representative stating she would reach out to me. I went back and forth on email with this representative for a week and was transferred via email to a different representative who stated the account was located on XX/XX/XXXX. I was not familiar with the account number the second representative provided and it did not match the account number ERC was reporting to XXXX. I was told it could take up to four weeks before I receive the bills since they were in the archived system. On XX/XX/2016, I contacted the XXXX XXXX XXXX representative by email stating I had not received anything about this {$61.00} collection. On XX/XX/XXXX, I was told that the archived image would be online in their billing system in the next three days and I would be sent XXXX invoices, which I can only assume totals {$61.00}, the following week. It is now the evening of XX/XX/2016, and I have not received anything from a national company that is willing to put a collection for {$61.00} on my XXXX report. If they were able to see there was a bill or bills on XX/XX/XXXX, then it makes no sense it 's at a month and a half later and I have n't received any verification of this debt. I could n't know if this is my debt or not while it is continued to be reported on my credit report and there is not any notation from the collection company on my credit report stating that this account is disputed. I completely do n't feel like I 'm dealing with a large company, because their response seems to constantly be to delay me having any type of verification.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION (CO)

I have previously filed a complaint concerning my treatment by NFCU. Sometime after filing my complaint, they agreed to a {$23.00} XXXX dollar settlement. I have previously been behind on my mortgage, while waiting on the XXXX 's XXXX to grant my XXXX claim and subsequently was rated at 100 % XXXX. My wife is now seriously ill with XXXX XXXX and we are falling behind once more. They have not changed their practices at all. They either have done or are still doing everything voiced in the complaint. I could use my settlement money to get caught up with them, but they are extremely tight lipped about the settlement, and will not even confirm that I am on their settlement list. In my previous complaint to the CFPB and XXXX, they just deflected and lied. Why is this allowed to continue? In the section below, I have had a problem with all XXXX choices, and it will only let me choose XXXX.
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

Was guided through the ACH process by an agent on the phone. Found out that my ACH was, in fact, not set up when I received a 30 day late on my credit report. I called in to verify why this was, and the agent stated that my ACH was never set up. During this call I did not receive my mini miranda rights. I escalated the call to a supervisor for a call back, but never received one. After waiting a week for a call-back, I sent an email voicing my displeasure to XXXX. I received a call back within the day and they stated that there was nothing for them to fix and that they do not have to read me my rights since they are not a third party ( implying that they can do whatever they want ). I also voiced my displeasure about 2 phone calls I received after XXXX local time ( I did not know who these calls were until I called back in ).
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.