davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Other — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I noticed an account on my credit bureau that was showing derogatory on my files. The account belonged to HSBC bank, so I called the phone number that appeared on the credit report and a representative informed me that she was not able to locate the account or there could be a possibility that the account was sold. I informed the customer rep. that i had disputed the information but it was verified and HSBC stated the debt was valid. I have never opened an account with HSBC bank, and i was wondering why are they reporting on an account that they do not have any information on. The customer rep informed me that i should continue disputing it with credit bureau again. I again disputed XX/XX/2015. and the information came verified again. Its infuriating that a non existence and bogus bills are being collected and reported on my credit report which is very inaccurate.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion mailed me a copy of my report dated XXXX/XXXX/2015. On the first page TransUnion tells me if I find an inaccuracy on my report to dispute the inaccuracies online. When I try to do so I receive an error message. I contacted TransUnion at the phone number provided and have been told multiple times that my online access would be unlocked so I can process disputes online yet I still receive this error message. 

TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following addresses are inaccurate : XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following telephone numbers are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following employment data is inaccurate : XXXX and proof of address are attached for the processing of this dispute.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My wife and I have credit cards showing logos either from Visa, XXXX, or XXXX. Within the XXXX Card category there is XXXX card whose processing is done by a third party, XXXX XXXX XXXX, who send out the monthly statement and receive the monthly payment. We have XXXX other XXXX cards whose processing is done by XXXX itself. 

Our card that is processed by XXXX XXXX XXXX has again been the object of attempted fraud. XXXX phoned us to confirm that certain new charges were fraudulent. Since the charges were fraudulent, XXXX said they would cancel the current card and issue a new card and send it to us " overnight. '' I thank them for their vigilance. This latest nuisance gave us reason to pause. 

In reviewing our personal records, we discovered that XXXX has had to issue XXXX replacement cards to us in three years because of attempted fraud ; this last card will be number XXXX ; this year we have had XXXX fraud attempts with XXXX card. 

Our XXXX cards have never been lost or stolen, yet these breeches have continued for three years. The charges were made out of state, at supermarkets, fast food businesses, etc. Our frequency of use of the XXXX other XXXX cards is about the same as the XXXX card ; ditto the Visa XXXX. However, cards processed by XXXX itself, have not been breeched. XXXX XXXX was breeched once several years ago, due to a problem originating at the processing bank. 

Why does XXXX XXXX XXXX not conduct its business in a proactive way, to prevent fraud attempts rather than acting after the fact. Our latest cards, whether bearing the Visa, XXXX, or XXXX logo all have the new " chip '' technology. In my opinion, security has to be improved. The name of XXXX XXXX, on whose behalf XXXX processes the card information, suffers by association.
Consumer complaint received 2015-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

We were almost in default with XXXX/Navient. In XXXX 2015 we entered into a 15 month repayment program of XXXX which would cover our loans ( when they were XXXX XXXX ) and we got shifted to Navient. Phone calls went away, come XXXX once Navient took over they said we broke that agreement we had, have ever cancelled auto check on the agreed upon date. Then they told me we were not paying enough, in XXXX when the switch happened they took what our XXXX loans of XXXX were and doubled them and then some. So since XXXX I have received over XXXX phone calls from XXXX different numbers, even after XXXX. It is not only tiresome but straight up vile. When I call to talk to them they wo n't speak with me till I pay off the XXXX + that I am supposedly behind. Back in XXXX I was able to speak with XXXX rep, and she told me I asked for the payment increase. I said show me that in writing or tape or whatever, it never came as I never asked for it. I am fed up and ca n't take the repeated XXXX phone calls 7 days a week from XXXX ( automated ), XXXX XXXX or XXXX XXXX. So since I refuse to pay money on fees, etc they are jacking my loan towards the roof, over XXXX in the last 7 months.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Lenox Financial Mortgage Corporation (CA)

Hi, I refinance my house with Lenox financial which I was told the check I wrote during the escrow would be refunded to me but only about half was return. The realtor has stopped working with me and does n't return my call or my email complaint. Could you please help? XXXX XXXX
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MN)

I received a notice on a debt in the amount of {$82.00} for a XXXX account when I had only been with XXXX for a month prior to getting this collection notice. I called XXXX to verify the amount in question. I was told by them that I am NOT delinquent on my account nor have I ever been delinquent on my account. Further more XXXX did a search using my SSN and again could not find any delinquent accounts or amounts in my name or SSN. Not to mention since we switched over to XXXX two years ago we have paid our account by direct bill pay from our checking account. I have tried calling and talking to this new collection agency to verify this debt and they do n't seem to have any answers to assist me in this matter. I only have gotten that I owe this amount and demand payment. Since my wife and I wanted to refinance our home we received this collection notice. However in dealing with this issue in the past they have now added my wife 's name to the collection notice. However in doing so they have refused to talk to her about this issue. Even though she is listed now on this new collection notice that is not valid.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Atlanticus Services Corporation (CA)

I paid off my Aspire Credit card more than 2 years ago. Recently, I was notified by my potential mortgage lender that Aspire Credit Card has incorrectly reported on my account status with XXXX with XXXX different account numbers and XXXX different statuses. Once as " closed and paid in full '' and the other as " closed and paid with a balance, '' this XXXX XXXX is incorrect and has not been updated since 2009. When I called to ask for a correction, they said my records were purged so they could not correct the account and would not send me a letter stating that the account was purged. Apparently it is their policy to delete all account information if it is paid more than XXXX year old, but not a policy to update the records correctly with the Credit Bureaus.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We have a primary home loan from XXXX located on XXXX XXXX in XXXX XXXX California. The loan balance of {$66000.00}. Also, we have a Home Equity loan from Bank of America. XXXX is trying to refinance our loan on our home, and Bank of America is not allowing them to refinance the loan of {$66000.00}, because they are not releasing the subordination. I have been a loyal customer of Bank of America since XX/XX/XXXX. All my family members have accounts at Bank of America and I have also a business account. We have also the rental property and my XXXX property with total equity of over XXXX. 

The refinancing will save us {$1000.00} in monthly Mortgage every month, which I can use to pay our debt. 

I made a written appeal to Bank of America, Subordination Department. However, they did not respond to my appeal. 

My husband is XXXX years XXXX. He underwent XXXX XX/XX/XXXX. Refusal by your bank to allow refinancing has affected his health and he is in distress. According to federal Government rules, people should be permitted to refinance the mortgage. 

I would like to ask request to help in this matter. 
Thanks, XXXX XXXX
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

In XXXX of XXXX we applied for a hardship loan from Citimortgage due to XXXX loss of a job and a decrease of the home value due to the recession. The loan was declined since we were not in default or imminent danger of default. We continued to pay the mortgage out of our retirement savings. From XXXX XXXX through XXXX XXXX the loan was being processed by Citi. Every week we called them for an update on the status, they continually asked us for additional paperwork, most of it duplicates from the original loan request. Over this period of time we were unable to pay on the loan thinking this would be processed in a timely manner and our interest rate would be reduced ( It was over 5 % ). Citi assured us every week that the loan was in final review. On XXXX XXXX, XXXX we received a phone call from Citi stating our loan was NOT approved, due to " Quality Control. '' We requested a written notification multiple times but never received anything from Citi. On XXXX XXXX, they sent us a payoff balance and a foreclosure date within 15 days. We had to borrow the money to avoid foreclosure. Of course our credit has been seriously damaged even though the arrears were paid and the home was eventually sold in XXXX XXXX. Because of lack of transparency and the misrepresentation of Citi we suffer financial losses and our credit is damaged.
Consumer complaint received 2016-01-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

Home Depot offered a 5 % discount for purchases with their Home Depot Brand credit card. After acquiring the card for only a short period of time the offer was canceled without any notice to consumers. This is a deceptive sales practice to lure consumers to obtain a Home Depot card that does not provide the promised benefit. 

The whole situation seems shady. There was nothing in writing to indicate a 5 % discount. The consumer had to ask for it each time a purchase was made or it was not offered, you were required to tell the cashier in every occasion or no discount was provided.
Consumer complaint received 2015-05-27
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My wife and I sold our house. At close, we received a check from the title agency, of the equity from our property. We endorsed the check, using my wife 's signature, and deposited it via ATM at a local Bank of America branch. On the next business day, my wife called the branch to confirm that there will be no issue with the deposit. The branch agent confirmed emphatically that there will be no issue. However, Bank of America ultimately rejected the deposit, claiming that a check of such great amount required XXXX of our signatures and that XXXX parties stated on the check as members on the bank account. The bank then lost control of the check as it circulated it through its internal return process. The bank could not tell us what happened to the check once it was rejected for deposit. The bank passed us through a labrynth of unhelpful customer service agents. We have gotten nowhere with the bank. All of this trouble is due to the bank branch simply not contacting us to request additional information and instead losing the check through its inadequate procedures. We remain without the equity from the sale of our home. This is money that we needed to buy a new home, and so our lives have been adversely affected by the bank 's negligence. Until this money is uncovered, we will not be able to honor our contractual obligations to purchase another property. There was no contingency for this problem in the contract, and so the seller may hold us in breach of contract.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CO)

Chase continued to allow a charge for a phone service to be charged to my credit card even though I no longer had the service and had disputed the charges with Chase multiple times One of these disputes is attached. I ended service in XXXX of XXXX. I want a refund from XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I setup autopay on some credit cards in XXXXXXXX XXXX XXXX. I recently went online to check each card and found that my XXXX XXXX credit card ( through Synchrony bank ) had been closed, and was past due. After checking my XXXX XXXX  account ( that is where the payment was scheduled to come from ) I came to the conclusion that Synchrony was attempting to take money from my checking account. The problem is that I setup the autopay feature to withdraw from my savings account there. I called Synchrony bank and they told me that I must've entered incorrect bank account information ( I didn't ). I then sent a message to XXXX about this and a representative told me that when Synchrony setup the payment they indicated that it would be coming from a checking account and not a savings account. I called Synchrony again with that explanation from the bank and they once again told me that I must've had the wrong information submitted and that they want me to pay my past due amount. On top of all of that, they went ahead and closed the account as well! So now I am about to get hit on my credit report for a closed/delinquent account for something that was not my fault.
Consumer complaint received 2016-01-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

Please consider this letter a direct dispute under FCRA. A review of my credit report has revealed a hard inquiry by Compass Bank dated XXXX XXXX, 2015 via XXXX. 
I currently have an association with Compass Bank through a checking account in the name of the " XXXX XXXX ''. The checking account, ending in XXXX, was opened in XXXX 2015. Between the opening of the account and today, I have not applied for additional services or products from your company. Therefore, I believe that you did not have permissible purpose to pull credit history from XXXX or any other Credit Reporting Agency on XXXX XXXX, 2015.
Consumer complaint received 2024-09-25
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. (NY)

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax, I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2016-03-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DRB-40, LLC (TN)

The company sent email to me without my consent to collect a debt. They also sent a letter to an address that i havent used or been associated with in over 30 years. They knew my current address i havent tried to hide. Now my ex husband knows my last name. I have tried to have that not happen.
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I learned in XXXX XXXX that a debt collector named Portfolio Recovery Associates , LLC obtained a default judgment against me in XXXX XXXX XXXX ( CA ) XXXX XXXX in XXXX ( Case No. XXXX ). I was never served with the summons and complaint. I learned of the judgment when I was contacted by XXXX XXXX sheriff on a judgment levy. I then got records of the court case. I learned that PRA claimed to have served me personally on XXXX XXXX, XXXX at an address I had not lived at or had any connection to since on or around XXXX. The process server that claimed to have served me, XXXX XXXX, has a history of false declarations of service. Additionally, I obtained documents from the court including PRA 's declaration and request for entry default judgment that I believe are false. Although I believe I might have had an account with XXXX Bank at some point in the past, I do not believe I owed a debt for the amount demanded and I do n't have any reason to believe that I owed PRA anything at all on this account.
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Frontline Asset Strategies, LLC (FL)

Well this number keeps calling me XXXX and the guy his name XXXX XXXX keeps calling me and also called my fiance and i would like it to stop he called my fiance and ask her questions and i wish rhey can stop calling me.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AR)

I went to the teller. He came back and said that my card declined & their machine was down and to go to the ATM. When I got to the ATM my account was in the negative. I called the bank they said it was a pending transaction and I waived my right to have it stopped. The bank withdrawal went through anyway. All they said I could do is wait for my dispute to be finished.
Consumer complaint received 2015-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia (CA)

I called XXXX XXXX to discontinue my service due to relocation of my permanent residency starting XXXX XXXX, 2015, the same day I sign a form from the leasing office this form I signed and my roommate to release me from responsibility of this lease. It was approved and signed by one of the personal in the leasing office. XXXX representative came to pick up all of the equipment they brought in. The box for telecommunications services the provide such as cable box and internet. I called XXXX as soon as I found out they charging me for such amount I spoke to the costumer service and reported this as fraud XXXX I did not sign any agreement to continue this service. I have not found a place u til now I 'm still searching for an apartment and I am currently do n't have a permanent residence.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I moved out of my apartment complex ( XXXX ) in XXXX 2014. Upon turning in my keys, I spoke with the community manager and office staff and was told that I no longer have any balance due to them. A few weeks later, upon dropping my daughter with her Dad ( who lived in the same complex at the time ), I saw that our old apartment had already been let to a new tenant. 

Imagine my surprise when I ran my annual credit reports and found XXXX entries from IQ Data International on behalf of RentCollect Global attempting to collect something regarding my deposit bond for XXXX. 

I previously submitted a complaint to this office ( CFPB ) and that matter was closed as correct. However, I now have current information from XXXX stating that they know I do not owe any money and yet, IQ Data/RentCollect Global is still attempting to collect this debt and still has negative marks against my credit report.
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (ME)

In fall of last year, I opened a credit card with AmericanExpress. They were concerned after I used the cardthat I was a security issue, demanded to contact mybank, etc. I canceled the card and they said they wouldcancel the $ 75 yearly fee. They keep sending mestatements charging me this fee, even though the cardis canceled. My credit score is now being affected bytheir reports to credit bureaus. I do not owe them anymoney and have called multiple times. I asked in earlyXXXX for evidence the account has been canceled, itis attached, as well as recent statements.