davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TN)

I realized in XXXX after filing my taxes that my identity had been taken as far back as XXXX, I filed a complaint with XXXX, XXXX, FTC, XXXX XXXX XXXX office and had XXXX try to help me clear it. These items are still on my report, they say they are verified and I should provide documentation to show it was not me ... .that is difficult to do, the fact the person who took my identity has the same information that I have, which is me. 
There a cell phone bill and credit cards that have been open in my name and never paid. Unfortunately the companies do n't care if it was you, they only want their money.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX I opened a new credit card with Navy Federal Credit Union. The card had a promotional rate of 0 % for balance transfers for 15 months. Once I opened the account I decided to use the card for all of my purchases in addition to the {$9700.00} balance I transferred in. I called customer service and inquired as to how payments were applied to balances and how interest was charged. I was told, in XXXX, that if my purchase balance was paid in full each month by the due date, I would not incur any interest charges-regardless of the promotional balance because the promotional balance had a 0 % interest. For the last two months I have been changed interest by the credit card company, even though I pay off my entire purchase balance each month ( and then some to bring down the balance transfers XXXX. 
When I challenged the company this past month, they explained to me that even though their " statement disclosure '' states that " We will not charge you interest on purchases if you pay your entire balance by the due date each month, '' they claim that they calculate interest using the " average daily balance '' which takes into account the balance transfer ( even though the balance transfer has a promotional rate of 0 % ). 
The terms of their agreement are deceptive and I believe how they are charge/calculate interest is deceptive and intended to confuse customers in an attempt to charge interest on promotional balance transfers that are allegedly 0 %. Their own customer service staff were perplexed why I was being charged interest and were largely unable to explain how I was being charged interest when the purchase balance was paid, in full, each month and the promotional balance transfer rate was 0 %.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has reported on two occasions within the last two months a collection account to all credit bureaus in my name in error. This reporting problem /error was cleared up in XX/XX/XXXX and was deleted by Stellar but was again reported as a collection account XX/XX/XXXX. This has caused my credit score to dropped, undue stress, countless hours of time spent on trying to get this resolved. Additionally, I was not notified that a collection item was reported. Only because I pay credit bureaus to monitor my account that I was alerted of the collection account. This is not fair to me and I am hopeful that XXXX procedures are reviewed so consumers like me are n't subject to this unfair, illegal and embarrassing practice. this has to stop -- -so damaging.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Re : Request for Addition of Credit Information Dear All According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with [ [ Creditor Name ] ] be added as soon as possible. The account has been open since [ [ XXXX/XXXX/XXXX ] ]. 
I have attached paperwork proving that the account should be reported under my social security number for your review. 
I understand that, " A consumer 's credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. '' I look forward to receiving an updated copy of my credit report reflecting this change. 
Thanking you in advance for your assistance. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX
Consumer complaint received 2015-04-30
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ME)

I filed a complaint against Ace Cash Express a week or XXXX ago for not letting me make payment arrangements on my loan and not notifying me that they no longer do business in the State of Maine for pay day loans. I started receiving collection calls from them. They will call on several different lines so you can not block them. While I appreciate someone trying to collect a bill this was just plain harassment as they do n't say anything. The last straw was a call after XXXX pm last evening XXXX/XXXX/2015 from XXXX, NH. I received an accesive amount of calls XXXX to be exact yesterday XXXX/XXXX/2015 with no message or anything.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

XXXX BANK SOLD THIS LOAN TO CALLIBER HOME LOANS AS OF XXXX. THE HOME HAD A SET SALE DATE BY XXXX. XXXX FAILED TO INFORM THE CUSTOMER ON XXXX WHEN THEY SPOKE TO XXXX XXXX THAT THE LOAN WOULD BE SOLD AS OF XXXX. FURTHERMORE, XXXX FAILED TO SEND THE MODIFICATION PACKAGE TO THE NEW LENDER CALIBER HOME LOANS. IT TOOK CALIBER HOME LOANS XXXX DAYS TO " BOARD '' THE LOAN. THE MODIFICATION PACKAGE WAS ALSO SENT TO CALIBER HOME LOANS, BUT SINCE THE LOAN NUMBER WOULD NOT BE GIVEN, CALIBER DOESNT KNOW WHERE THE DOCUMENTS WENT. 
" IF THE LOAN NUMBER WAS NOT BOARDED, THEN THE DOCUMENTS WERE IN LIMBO '' STATED BY SUPERVISOR XXXX WITH CALIBER HOME LOANS. 
THERE IS NO EXCUSE FOR XXXX NOT TO HAVE SENT THE COMPLETE MODIFICATION PACKAGE TO NEW SERVICER. 
THERE IS NO EXCUSE FOR THE NEW SERVICER TO HAVE A SALE DATE SET IF THEY DONT HAVE THE LOAN SET UP. XXXX DAYS AFTER THE TRANSFER OF THE LOAN, THE LOAN WAS FINALLY SET UP BUT THE SALE DATE WHICH IS STILL SET FOR XXXX DOES NOT GIVE AMPLE TIME TO REVIEW THE LOAN FOR ASSISTANCE PER CALIBER HOME LOANS. CALIBER HOME LOANS HAS STATED THAT THEY ARE LOOKING INTO THE DOCUMENTS WITH LOSS XXXX AS WELL AS REACHING OUT TO XXXX. THE INABILITY OF THE LENDERS TO MAINTAIN A FILE IS INEXCUSABLE. CALIBER HOME LOANS STATED THEY DID NOT RECEIVE THE DOCUMENTS WHEN SUCCESSFUL FAX AND EMAIL CONFIRMATIONS WERE KEPT AS A RECORD. 
FURTHERMORE, CALIBER HOME LOANS FAILED TO SEND THE HELLO LETTER WITH THE NEW LOAN NUMBER, AND WERE ONLY ABLE TO PROVIDE THAT INFORMATION AS OF THE XXXX DAY. 
AT THIS TIME WE ARE DEMANDING THE POSTPONEMENT OF THE SALE DATE OR XXXX XXXX WILL ASSERT HIS LEGAL RIGHTS NAMING BOTH XXXX AND CALIBER HOME LOANS AS DEFENDANTS. 
XXXX AND CALIBER HOME LOANS ARE DISCRIMINATING AGAINST XXXX XXXX BASED ON RACE ETHNICITY, MARITAL STATUS, LANGUAGE, AND THE FACT THAT XXXX SERVICERS CONTINUE TO FORECLOSE AFTER THEY CONFIRMED THE HOLD UP AND GRAY AREAS WITHIN THIS SITUATION ONLY CONFIRMS THIS ALLEGATION.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please Delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (CA)

CFPB COMPLAINT # : XXXX US Bank Mortgage my name is XXXX XXXX and ref. to the said above complaint # I have called and talked to a CFPB representative named XXXX on XXXX/XXXX/2016 to help me resolve the issue with US Bank, she has told me she will mail me documents that were received from US Bank, but as of today XXXX/XXXX/2016 I have not received them. Please do not close my case yet because I need to know which month in which year US Bank is claiming that did not received mortgage payment on my property? so I can prove US Bank with a copy of the cashier check that was issued, received and stamped by US Bank on that month. I called US Bank but unfortunately no respond, applied for a loan modification but again no respond yet. Please review this case and help me to get requested documents from US Bank on mortgage of my property at XXXX XXXX XXXX, XXXX, Ca XXXX My phone # ( XXXX ) XXXX Regards, XXXX XXXX
Consumer complaint received 2015-04-29
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (PA)

My wife and I have been asking Ocwen to verify its information it has been reporting for the past XXXX years on our credit. We have sent numerous certified letters to Ocwen and the reporting companies asking for written verification of the account and the information being reported. We only receive generic form letters in return without any verification of any kind. We believe we have the right to ask for this verification or the removal of all the information they report. We also believe they are only allowed so many days to comply, not the XXXX years it has been.
Consumer complaint received 2015-11-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX My Husband XXXX XXXX XXXX, the primary mortgagor for Chase account # XXXX, passed away. Immediately we took action to ensure that XXXX servicers for the 1st mortgage XXXX XXXX XXXX, and the 2nd Mortgage ( referenced account ) were properly notified. Unfortunately my husband passed away without a living will or a designated executor of his estate, and as a result, Chase refuses to authorize me ( the spouse ) as the successor in interest. 

Since XXXX, Me, my son XXXX XXXX XXXX, and our advisor XXXX XXXX have made numerous phone calls and sent numerous faxes to Chase in an attempt to get authorization for me to discuss the account. Obviously with the loss of my husband, the primary income has been lost, and we 're now experiencing a financial hardship. We were both on fixed Social Security income, and this has now been reduced drastically. 

In the numerous conversations with various Chase representatives, including escalation managers, we 've been given conflicting information for authorizing a successor in interest, much of which contradicts the regulation that CFPB has set forth for servicers. 
On multiple occasions we 've faxed the death certificate, a copy of the primary note showing both my husband and I as borrower and co-borrower, and after an " unusual '' request from XXXX their reps, a copy of our marriage certificate XX/XX/XXXX. 

To this day even after confirmation of receipt, they still refuse to authorize me to discuss this account, yet they continue to send correspondence that threatens to take my home. Our intent is to satisfy our mortgage obligation with Chase, as it has always been, however this will require assistance from Chase. I 'm an elderly woman who has suffered enough tragedy, the last thing I need is for Chase to make matters worse by refusing to discuss this account with me.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I tried to get my free annual credit report from Equifax and they asked me questions which do not apply to me and apply to another person that Equifax keep associating with my credit file. Every year I have to complain and fight and file a law suit to get my credit report from Equifax and then the information is incorrect and I have to spend most of the year fighting to get it corrected. Then a few weeks go by and Equifax again add wrong information to my credit file about another person. This is affecting my credit and my employment. The questions they asked me are Do I have a mortgage taken out in 2009? which I do NOT, How much are the payments? since I do not have XXXX there are no payments, I have a credit card taken out at the same time? which I do not. and because I answer these questions correctly EQUIFA REFUSE to give me access to my credit report, but I suspect allow the other fraud person access to my credit report. 
Every hyear I have to fight this and every year these Equifax people destroy my credit again. Please make them stop doing this to me. I have to spend many many hours on this every year, year after year after year due to their Negligence and incompetence
Consumer complaint received 2015-05-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Prior complaint # XXXX. Now I have spoken to numerous people and still they can not provide me with answers on why my credit card was cancelled. 
They say my credit score is XXXX, I called XXXX and spoke to a XXXX and she said impossible that my score is XXXX, Bank of America also said that my report is showing delinquencies but, XXXX says their are no delinquencies. I do n't understand and I did explain about the derogatory items but, my report is better then some people that are still able to have their credit card, why am I being treated differently. Now they issued another inquire on my report and that will lower my score more. 
The other question that they cant answer is why was n't my credit card cancelled when my score was below XXXX but, when my score is XXXX they cancelled it. 
This is what XXXX saysXXXXXXXXMy XXXX and XXXX XXXXHow you compareYour credit ranks higher than 24 % of the American consumers. 
Credit Reporting AgencyXXXX XXXX XXXXCredit Report PeriodXXXXXXXXXX/XX/2015Credit ScoreXXXXUpdated on XXXXXX/XX/2015And it was XXXX but, now since they did a hard inquire, it is XXXX.
Consumer complaint received 2016-03-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Maximum Title Loans, LLC (AZ)

I have had an auto title loan with Maximum Title Loans for several years. 
Interest payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called MTL and told them I planned to sell the car, then pay off the loan and interest. Rep agreed to my proposal. 
My car was repossessed on Saturday, XX/XX/XXXX, when interest was 14 days past due. I received no notification that our agreement would not be kept. 
On Monday, XX/XX/XXXX, I spoke to an MTL rep, asked that MTL hold to our agreement of XX/XX/XXXX, that repo fee be reversed and car returned to me. They refused. 
I tried over a period of three weeks to obtain the name and email of the owner of MTL. The reps I spoke with refused to allow me to contact him. Finally, on XX/XX/XXXX, I was given the information. 
On XX/XX/XXXX I asked the owner by email to return the car ; he waited until two weeks later to respond to me. He said my car had been sold at auction on XX/XX/XXXX. 
I 've received no written notice of the sale of the vehicle nor any written accounting of balance due. 
They have repeatedly harassed, threatened and bullied me and my contacts. They continue to call up to 9 times a day, plus emails and voice messages. 
I have twice sent emails requesting that they stop phoning me and my contacts and have told them over the phone to stop calling me. All requests have been ignored. 
The car was worth much more in a private sale than at auction. Had MTL held to our agreement of XX/XX/XXXX, I would have sold the car and paid off the loan long ago and be now free of the debt.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (MD)

I have been trying to work out a modification or payment plan with my lender, Selene Finance for a very long time. I had a forbearance agreement in place that the lender failed to hold up their contractual commitments and I have subsequently filed Chapter XXXX to help me re-structure my mortgage debt and save this home. On XXXX XXXX, XXXX, Selene received an Attorney Authorization to work with me on a loss mitigation agreement. Following Selene 's receipt of the authorization, I have called repeatedly to discuss my options with Selene. From my phone number and/or my loan number, I was put into a voicemail box that states that the 'agent handling my account is not available. ' More than two dozen times I received this message and left at least a dozen messages. No return phone call, no letter, no return contact from Selene, which is the way it has been since they began foreclosure proceedings on me. I make good money and can restore this loan if they are willing to work with me. 
On XXXX XXXX, over one month later, I was able to get an agent on the phone by blocking my number, not entering my loan number, and pressing # repeatedly. This agent acknowledged receipt of my Authorization, and said there are no records of me calling. She said the agent handling my account was XXXX and that I could leave her a message, which I agreed to do and did. She suggested that I submit a Loss Mitigation Application, which she instructed was available on Selene 's website. The agent explained that once submitted, I would receive notification within 72hrs if the package was complete, or if there were any additional documents/information required. I promptly submitted this form with all the necessary documentation the same day, XXXX XXXX, XXXX. It has now been 8 days and I have yet to hear from Selene, again. This has been the story for years as they have refused to communicate, refused to honor their contractual agreements, and have blocked any means for me to restore my loan status. It is obvious to me that Selene wants to foreclose on my home, irregardless of my ability to mitigate the loss.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America, after my previous complaint, once again discriminated against me by refusing to provide me with the information necessary to assist a client who was XXXX, but her BoA account was frozen and she was unable to purchase food. I informed the representative that I was an attorney representing a client. Once again, I was refused assistance via chat, and via email. I was attempting to find out how to submit a power of attorney from my client so that I could determine what was happening with her account, and assist her. I was told that I was " required '' to use a TTY. When I informed the representative that this would be a breach of attorney client privilege as a TTY would force me to disclose confidential client information and PII through a third party, I was told that this was the only accommodation they provided. When I requested chat, email, or fax addresses for their legal department, I was told that information was unavailable. I wasted many hours between chat, emails, and faxes, attempting to resolve the issue for my client who was in a desperate situation. The representative told me that BoA " does not accept '' powers of attorney.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Rewards — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX XXXX, 2016 I redeemed XXXX Everyday Rewards points on my Citizens Bank XXXX which entitled me to a cash deposit of {$120.00} to my Citizens Bank XXXX deposit checking account. The deposit normally takes 3-5 business days and as of XXXX XXXX, 2016 I have not yet received it. The redemption was made online. On XXXX XXXX, I notified the Everyday Rewards department by telephone and was assigned case # XXXX to my complaint. Since then I have made several telephone calls to check the status of my complaint but could not receive any information other than they were working on it. On XXXX XX/XX/2016 the branch manager of the XXXX ( PA ) branch called them in my presence and could not get any information. Given Citizens Financial Group 's past history of misappropriation of depositor funds, I can not help being suspicious of their behavior in this matter. I am therefore requesting the assistance of CFPB in resolving this matter.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : [ XXXX XXXX XXXX XXXX ] Date Listed : [ XXXX XXXX, 2021 ] 2. Account Name : XXXX XXXX XXXX XXXX Date Listed : XXXX XXXX, 2021 Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX