davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Three credit cards ( Capital One, XXXX XXXX XXXX XXXXXXXX XXXX ) were opened under my name without my authorization or consent. I have disputed these charges with each of the companies and the credit bureaus. I am a XXXX widowed woman on a limited income. I can not afford to accrue credit card debt, nor do I have access to how to apply for a credit card ( My son is helping me type this dispute ). I do not own a computer nor can I navigate through a smartphone to apply for credit on my own. I did not open these accounts and I will dispute them with all three credit bureaus every month if I have to. I have a lot of health problems and all of this makes my conditions worse. Please help me.
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NV)

I signed up for the US Airways credit card with the promise of a XXXX bonus miles and {$99.00} companion ticket. I did not receive either of these benefits. The card was combined into the XXXX card early in 2015. I was told when Us Airways merged with American those benefits ceased. However the promotion was during the merger process that it was offered. I was not told that it would go away. I was charged 2 yearly fees and I have not been able to get a refund. I have since canceled the card. I feeI that I am at least due a refund for the yearly fee.
Consumer complaint received 2016-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (TX)

I leased an apartment for my daughter last year on a one year lease term. She had been in good standing until the end of her lease which ended XXXX/XXXX/2015. She had called the front office and gave a verbal notice that she would vacate after a one month extended stay to XXXX/XXXX/2015. 
My daughter had failed to deliver her apartment keys until XXXX/XXXX/2015 which incurred subsequent charges due to the front office personnel not communicating with the bookkeeping personnel and was informed that they unable to enter the apartment until that time. As is evident on the move out form the initial date had been crossed out and altered which is fraudulent information submitted and not vetted by the collection agency, I feel that the apartment personnel knew of her move out date and could have entered the apartment at that time and were overzealous in their charges. 
I understand that it was my responsibility to have given written notice to vacate, but due to extenuating circumstances with my health which culminated in XXXX in XX/XX/XXXX, it was not high on my list of priorities at that time. I am a XXXX with limited income and was seeking some relief and resolution of this charge by writing the parent company of these apartments, to no avail since they have not responded to either of my letters. 
I have enclosed a copy of the bill with the disputed charges highlighted. 
Thank you for your time and attention to this matter.
Consumer complaint received 2016-03-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OR)

My home has been in foreclosure status for several years. I have repeatedly ask for a deed in lieu of foreclosure. I 've received numerous collection calls and one of the first questions they ask is if I reside in the home. I assume this is for them to ensure that the 'asset ' or home is secure and protected. I live in the home. I received notification for Sheriff Sale posted on my door on XXXX XXXX, 2016 with notification of sale on XXXX XXXX 2016. The sale is inevitable, but the month notification is not adequate in order to secure a new residence. When I purchased the residence I was making in excess of XXXX a year, I did not work for 2 years after purchasing the residence and now work full time but make less than XXXX a year. I 'm unable to keep the residence.
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I finally received the report on XXXX XXXX XXXX. Neither me nor the bank understands what the report means, or why I have a low score. Nothing in the report indicates why I would be a high risk client for a checking account. 
I would like my record to be completely expunged from ChexSystems by no later than XXXX XXXX, XXXX ( 30 days since requesting the report ). If not, I will be forced to hire a lawyer to investigate ChexSystem 's compliance with the Fair Credit Reporting Act, and file a dispute for each false claim by ChexSystems.
Consumer complaint received 2016-03-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

hello my name is XXXX XXXX and I believe I am being ripped off by the XXXX XXXX XXXX in XXXX I bought a XXXX dodge caravan that had a 5 year contract to own. in the XXXX year the whole computer mother board went up which they said was very rare we went back to the XXXX XXXX dealership and they put us in a XXXX dodge caravan which was being test drove so it had XXXX miles already on it it was going good until after 6 months the tires had to be replaced then it kept making horrible noises and shaking so we took it to the dealer where the fixed it it took almost 2 weeks then 4 weeks later the same issues with the shaking we put it back in the shop and it stayed there for a week then the issues started again so when we called the XXXX XXXX dealer and they said they were recalling the XXXX XXXX caravan and it would be bought back from us so that is what we did it was alot of other people doing the buy back program the car still had a balance due of XXXX the dealer said they were buying the van back from us for XXXX and the difference would be put on the new loan for XXXX so XXXX and XXXX was supposed to be the new loan they also said the same lender was financing the XXXX loan and i was getting XXXX off of that ..so I received a statement from XXXX XXXX stating that I owe them XXXX and that they financed my loan and that the XXXX is the principle of the loan and that my payments are XXXX dollars a month for 6 years ... .I need help.
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A. (DC)

I have been a customer of PNC Bank for over 10 years, and I have had a PNC points Visa credit card for most of that period of time. My main checking account is with PNC. Recently, I received a prescreened offer of credit from PNC encouraging me to open a PNC points Visa credit card - which, as I mentioned, I already have! I was concerned that either a. the account had been closed for some reason and I had n't realized it or b. there was a data integrity issue within PNC that resulted in them not realizing that I was currently a card holder. I contact PNC online customer support who told me that in fact they do routinely offer identical products to current customers for their own " benefit. '' I realize this is a very small problem in light of all of the other issues facing consumers in the financial space, but I 'm just incensed that PNC has so little regard for me as a customer. I fail to see how opening another credit card I do n't need ( and already have! ) is in any way a benefit to me. It 's insulting, and it 's tricky.
Consumer complaint received 2016-03-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

It appears that PayPal has locked or closed my account but the unbelievable part is I believe I still have a positive balance in the account, there has been zero notification ... I feel this was intentional because perhaps they are very unprofessional and are upset I 've filed disputes against them ... I 'm not positive there is money in the account because I tried to do a refund but ca n't log in and have n't received any further notifications. It would be very very bad however if they are locking people 's accounts and holding money and then just expect consumers to have to call and work things out or whatever they may expect. What it is, it would be wrong!
Consumer complaint received 2016-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

Experian has a wrong Social Security Number in my file and is not correcting this wrong information. 
I do NOT have a Social Security Number, and I can prove it with a official document issued by the Social Security Administration stating that I was never issued a Social Security Number. 

I have already disputed this information MANY times via fax, telephone and also Postal Service. 
already disputed this information more than 5 times and Transunion does n't take action to correct this!
Consumer complaint received 2016-03-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc. (FL)

I contacted this company on numerous occasions asking them to validate the debt to which they have reported on my credit profile. However, I never received a response from the company. I went online and disputed the same account through the credit bureau to which they replied the account was mine. I will ask XXXX last time for a legal debt validation on this fraud account.Furthermore, in accordance with the XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX, I am asking for a copy of the contract which contractually binds me to this debt. The account # is XXXX. I have never made a debt with this company and never made a promise to pay anything regarding this company. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.
Consumer complaint received 2016-03-13
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (DC)

American Express will not allow me to pay off my just-assessed {$75.00} annual fee without first paying off the $ XXXX+ balance covered under a special 0 % APR for purchases I have made. I was not prepared to pay that off until XX/XX/XXXX expiration of that offer. While this 0 % rate does n't expire until XX/XX/XXXX, AMEX tells me to pay off the annual membership fee, I have to first payoff all purchases made ( {$4700.00} ). Further, they tell me I have no ability to allocate funds from my {$150.00} payment just now -- toward paying off the {$75.00} annual fee which is collecting XXXX cents in daily finance charge ; but AMEX refuses to announce when a fee will be assessed, nor allow me to payoff the {$75.00} fee in advance. I can not touch the annual fee even though, in writing, telling them {$75.00} of the {$150.00} payment ( min. due {$47.00} ) I just made is to be allocated toward the annual membership fee. Seems deceptive and a " gotcha '' way for AMEX to collect XXXX cents a day until I can payoff my entire balance. I thought the CARD Act allowed me to allocate payments how I see fit, for any amount over the minimum payment due, to any bucket of fees or charges on the card?
Consumer complaint received 2016-03-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

Reference Caliber Home Loans # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX On XXXX, XXXX I had originally called and requested assistance with my mortgage due to falling behind on my mortgage. I was sent paperwork that I original signed and filled out with the original requirements. I was told that I was going to be placed in a forbearance workout and not a modification. 
Since then, I had a change in circumstances in income. My spouse that was bringing in the additional income had left the home. I lost the additional income to meet the deadline of the agreement. I called XX/XX/XXXX, before the first payment was due, to inform Caliber home loans and uploaded additional documentation along with a letter of explanation as to the change in circumstances and spoke with XXXX ID XXXX. I was informed by XXXX ID XXXX that we needed to fill out the HAMP/Modification forms. Once the forms were completed I spoke with XXXX ID XXXX that confirmed receipt of the forms that were uploaded in your system. It was then the previous work out was to be cancelled and the new request of the Modification was to begin. 
I had my representative XXXX XXXX XXXX of XXXX XXXX XXXX call onXX/XX/XXXX and it was stated that no paperwork was received and we had to resubmit the paperwork for the Modification yet again. On XXXX XXXX XXXX called again and she spoke with XXXX ID XXXX who mentioned that the review process was done on XX/XX/XXXX and to follow up on XX/XX/XXXX to see who the new Modification rep will be going forward. It was also mentioned that a letter that was never received that was mailed on XX/XX/XXXX in reference to the cancellation of the original forbearance plan. 
While waiting for the additional information for the new request for the Modification there were no mailing, phone calls, nor emails concerning the update of the modification. My representative, XXXX XXXX, called on XX/XX/XXXX and spoke with XXXX ID XXXX who confirmed that the second request for the modification was included in the case of the forbearance plan and the Modification paperwork was not submitted yet again as requested. We had to resubmit the paperwork via Caliber Home Loan upload, via USPS and USPS Express in which we have confirmed. 
Since then I have received letters : - on XX/XX/XXXX -stating that we needed to complete the application process. Nothing stating either way of the new upload for the new request of the Modification. 
- XX/XX/XXXX I received a letter ( form letter ) along with a Modification package - XX/XX/XXXX-I received a letter from the XXXX XXXX claiming that my mortgage has been referred for foreclosure. 
Again this has been a very tedious process and I have done my part in communication and trying to get a modification for my home. My intent is to keep my home and maintain it.
Consumer complaint received 2016-03-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MD)

I have been struggling to bring my mortgage current for some years now. I was recently told that I was given extended a Principle Forgiveness but was never informed nor sent paperwork regarding this prior Principle Forgiveness that they claimed to have done on my defaulted loan. Nor was I sent paperwork, after I completed a years worth of on-time payments that was suppose to bring my loan current. I was told that Citimortgage would be sending me these documents. I believe that Citibank is trying to block me from modifying my loan and keeping my home at this time as my property has accrued substantial value over the last 13 years that I 've owned it. It does currently need several repairs that are covered under the home insurance but they are blocking the adjuster from following through and letting me get the repairs done. I have been getting assistance from local and national nonprofits and have tried several different methods to negotiate with them to no avail. I would like an investigation to be opened into how they handled or mishandled my case. They say that they sent me documents that I never recieved so that I 'd like to see a tracking number and signature for those time sensitive documents that they state I never returned to them. This is very disturbing to me and has caused a great deal of hardship and XXXX for me as it is my primary residence for my children and I, I am single parent who went through a long phase of unemployment. I am currently working and have been for over a year.
Consumer complaint received 2015-04-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (NY)

M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Digital Currency Group Inc (GA)

XX/XX/2023 Genesis global capital LLC closed all accounts for fraudulent banking practices. All assets were frozen transaction. History is nil unable to gain assets of bitcoin XXXX XXXX $ is XXXX and investments that were fraudulently represented and presented on the platform into us users all account access has been, frozen and litigation to receive funds
Consumer complaint received 2016-03-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/2016 I erroneously paid {$1800.00} to Visa credit card account using the Bank of America ( BoA ) online website.This amount was displayed as the amount owed on the drop down menu. After I clicked on the pay button, I realized that {$1800.00} was the amount that I had paid to this credit card last month. {$250.00} was actually the amount that was owed. When the {$1800.00} amount was posted as credit balance to my Visa account on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I called the BoA XXXX Customer Service number and interacted with an automated assistant that was able to determine my mistake and informed me that my overpayment would be transferred back to my account at BoA from which it was withdrawn. 
On XXXX/XXXX/2016, {$1800.00} was posted to my BoA Visa account as a Credit Balance Refund Debit. 
OnXX/XX/2016, I called the BoA XXXX Customer Service number and asked why {$1800.00} had not been posted to my BoA Checking account from which it came. The BoA assistant answered that it takes 3 to 5 days to complete the transaction. I then asked why it took 3 to 5 days to transfer the money from the card account to the my Checking account but only took 1 day to transfer from my Checking account to my card account. The answer was that BoA had certain procedures. I then asked to speak to a supervisor. When the supervisor got on the phone, I was told that procedure to 3 to 5 days and nothing could be done about that. I then asked to speak to the supervisor 's boss and was told there was no one else available. 
My complaint is that when I make a mistake, it appears in BoA 's favor in a day but it takes 3 to 5 days to correct the the mistake. BoA website prompted the mistake by displaying an erroneous amount. Why was a payment that I had already made still showing as an amount owed. This information is kept on a computer and should updated promptly.
Consumer complaint received 2016-03-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC (DE)

This company keeps calling my phone using a auto-dialer which is against federal law and when you pick up they hang up. This has happened numerous times, and I have record that these people keep calling. I am tired of the harassment and repeated calls from auto-dialer with this company. When you call back, they always say its a mechanical issue.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

They will not remove these XXXX accounts below accounts from my reportXXXX XXXX XXXX FCUAcct # XXXX Acct # XXXX Opened : XXXX Date Opened : XXXXBalance : {$12000.00} Balance : $ XXXXI have disputed these accounts with Equifax Information Services , LLC numerous times. But they will not and have n't removed the information. Experian and TransUnion have removed these accounts from my credit files but Equifax has failed to do so. They keep saying the information is being verified but have yet to provide me with the documentation they 're receiving from the creditor stating the information is mine and not fraudulent. I would this matter to be resolved ASAP as I have disputed it multiple times with Equifax. I can not obtain credit due to these inaccuracies on my credit report. Hopefully, Equifax does it 's job this time and thoroughly investigates, then removes the items from my credit file. I have attached a copy of the police report that I received and other documentation that I sent to Equifax for removal of those fraudulent accounts. Thanking you in advance for your cooperation. 

Regards, XXXX XXXX
Consumer complaint received 2016-03-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I file this third complaint with the CFPB against Navient ( formerly XXXX XXXX XXXX for the following reasons : In Navient 's response to the XXXX prior CFPB complaints I filed last year, Navient indicated they would include a note to credit reporting agencies indicating I was disputing the debt Navient was reporting. In reviewing my credit report in XXXX 2016, I find that Navient has failed to report to credit reporting agencies that I am disputing the debt Navient has refused to provide me with a breakdown of the payments I have made to them and what portion of those payments have been credited as interest, principal repayment, fees, and penalties Navient has refused to provide me with the formula they used to calculate the amount they claim is owed Navient continues to negotiate in bad faith. Last year, Navient extended to me an offer to settle the debt. However, Navient did not convey the details of this offer, nor the fact that they had even made the offer, to the debt collection agency that they employed and advised me to contact to finalize the offer. When I informed CFPB and Navient of this fact, Navient then distorted the facts and suggested I mislead the debt collection agency. I did not - the debt collection agency had no knowledge of any settlement offer. Navient subsequently threatened that if I refused further calls from yet another debt collection agency, they would not honor any prior settlement offers Navient has now employed yet another debt collection agency that has begun contacting me at irregular hours. I have contested this debt, complained about Navient 's deceptive, unethical business practices, and have attempted to negotiate with Navient in good faith to reasonably settle the debt. Considering there can be no question that I have disputed this debt, Navient 's use of another debt collection agency is nothing more than another attempt at harassment and intimidation Prior CFPB complaint numbers : XXXX XXXX
Consumer complaint received 2016-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IL)

Afni collection agency has sent me a debt collection letter, saying i owe money to sprint. I have never been a customer of sprint nor have i ever lived in the places they are saying i had debt. i have read many complaints about this company doing this illegally. Afni just sent me what is suppose to be verification but it has no information about me except my name and current address.