davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (IL)

We had XXXX loan with XXXX sice XXXX, but in XXXX due to job loss, we had defaulted on payments and it took us almost 2 years to work out loan modification with XXXX lienholder XXXX as XXXX lienholder was in transfer almost every year. Last servicing we knew was XXXX XXXX XXXX XXXX where there was never alive representative on phone, and after lengthy hold times, our calls just got disconnected. Then in XXXX XXXX we found out that servicing was transferred to SN Servicing.  However, there was never a letter or notice sent to us to advise of such transfer. Moreover, we were not even sent monthly statements for last 3 years. 
We have been working hard to keep our home and were happy to workout payment with XXXX lienholder and have not been late for over a year now, but SN Servicing is not willing to compromise and accept settlement or workout. Our calls and faxes were ignored. We made a settlement request in XXXX XXXX but learned only in late XXXX that it was declined, no counter offer, nothing, except recent letter from attorney that states loan is in foreclosure now. Earlier today, XXXX XXXX, XXXX I was finally able to speak to XXXX XXXX at SN Servicing who just demands XXXX  XXXX to bring account current and is not willing to present my request for monthly payment arrangements to investor, she was rude, unprofessional, and once I demanded to record our conversation as she language was unacceptable, she just disconnected the call.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

False credit pulls on my credit report. 

1. Capital One XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XX/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him  ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX ( XXXX ) continues to report inaccurate negative information to the three major credit bureaus. On XXXX XXXX, 2017, I requested that XXXX provide the following information to validate the debt allegedly owed : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. To date this information has not been provided to me.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have recently disputed my dismissed bk from XXXX and they 've deleted it! But it 's still being reported by these two CB ( TransunionXXXX ) ... Attached to this is proof that this was deleted as of XXXX XXXX 2017. Please follow suit and delete this for accurate reporting. It must be deleted in order to show my true credit history.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 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 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MN)

( 30 Day Late XX/XX/XXXX ) I transferred a payment using Wells Fargo Online services. When I received a phone call from a Wells Fargo rep stating I was more than 30 days behind, was shocked. I immediately agreed to arrangements to get caught up and was told that a case would be submitted to remove 30 day late. 

I submitted a prior CFPB report and the rep said she solved issue but she was researching to the wrong billing period. I believe she was looking at XX/XX/XXXX which I was not reported as a 30 day to begin with. I was referred to the general card services #. This doesn't resolve the case.
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

On XXXX/XXXX/XXXX I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company AFNI , Inc. in the amount of {$1000.00}. I do not have a signed contract nor any contract with AFNI, Inc. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with AFNI, Inc. This negative mark is affecting my XXXX XXXX heavily. Please investigate this matter and remove this inaccurate information from my credit file with XXXX.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have attached the dispute letters that were sent to XXXX, XXXX, and Equifax, which they failed to respond to. Could you please address this issue with them on my behalf? Their lack of response is a clear violation of FCRA regulations, as they are required by law to conduct a proper investigation and provide an answer. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Santander Consumer USA Holdings Inc. (CA)

I am still having problems with Chrysler CapitalXXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

During the week of XX/XX/2017 I contact BOA representatives both over the phone and at the branch to complain about the overdraft fees that were charged to my account intentionally. I complained that the mobile banking transactions that I see always show me that I have sufficient amount to cover my transactions. However, when I check again the same day or a day after, I notice that I was charged an overdraft fee, and the sequence of the transactions were reversed so that an overdraft fee is charged first before my transactions are settled. I also complained that for transactions that occur a week earlier, bank of america still shows it as " processing '' even though the transaction is reflected in my avaiable balance. I showed the representatives what I see on my mobile banking and they could not explain how I ended up with the overdraft fees. Instead I was told never to believe what I see on my mobile banking ; that rather I should always log in to my desktop or laptop to check my transactions. I also complained that bank of america has designed its algorithms so as to intensionally optimize its overdraft fees charges. I also asked why my checks were on hold for more than a week instead of making it available to cover my transactions. I was told that as a new client, my account must be opened for 90 days before my check can clear. So I asked why prior checks were not placed on hold and were cleared within a business day? No one both at the bank and on the phone could answer my quesiton. I have attached pictures of transactions from my mobile banking and how Bank of America intentionally withheld processing transactions until after it charged its overdraft fees. In less than a month, I have been charged almost {$300.00} in overdraft fees.
Consumer complaint received 2017-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: LOBEL FINANCIAL CORPORATION (OR)

I contacted XXXX XXXXl in XXXX to set up a payment arraignment and in XXXX again because i was needing to split my payments ... in XXXX Just a day before my scheduled payment arraignment lobel financial reposessed my car and every thing in it ... .and than they wanted over {$1500.00} to get it out of XXXX. I was not prepared to pay this amount our set up arraignment was for {$250.00}. XXXX XXXX was the day we had we up to pay the XXXX.. after the vehicle was repoed i contacted lobel and they proceeded to put me on hold for long periods of time, was hung up on, reps and management were very rude and not helpful. And claimed not to have even one notebin the system for a payment arraignment.. now I 've got no car and no job because i needed reliable transportation to keep my job...
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc. (PA)

I have been receiving numerous calls from Monarch Recovery ( somewhat unintelligible ) on a regular basis. I researched this company and they are a debt collection company. I do not have any debt or credit problems. They are calling from XXXX. Calls vary by days and by times and and are interrupting my land line phone service with their robocalls. What can be done to eliminate this. From the internet, I see where there are many similar complaints. 
Thank you for your assistance.
Consumer complaint received 2017-10-19
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

On or around XX/XX/XXXX my state was hit by Hurricane Irma Around the XXXX I called my mortgage servicer and informed them I would need a forbearance. Currently the forbearance is being offered to anyone in Florida. 
My home is in a mandatory evac. zone and has incurred approximately 100,000.00 of damage. Around XX/XX/XXXX I checked my account and saw my servicer had drafted my payment. At that point I called and never received a follow up. Ive sent 5 emails and two registered letters ( attached ). 
Around XX/XX/XXXX I called " XXXX ''. 
They finally made contact and pushed the servicer to agree to the forbearance verbally for XXXX, XXXX XXXX. 
Today I became aware that they are labeling my acct as past due. 
I 've made several attempts to no avail. 
I need help on this situation.
Consumer complaint received 2017-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I 'm asking Chase bank/Chase Escrow to provide the details for the escrow amount of {$54000.00} that was added to the loan modification document on the date XXXX XXXX. XXXX escrow dep stated that I owed the amount {$54000.00} that was added to the loan document. I 'm not sure why and where did this amount come from. Property taxes and home insurance was always paid on time before the loan modification impounded the taxes and home insurance. I called chase escrow today XXXX and talked to XXXX XXXX at XXXX requesting escrow details on my loan account before the trial and loan modification took place. The amount for escrow impounds started in XXXX but there was no defaults of taxes and home insurance. I would request a refund for the over charged escrow amount since chase will not be able to revise the loan modification documents..
Consumer complaint received 2017-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION (MD)

During month of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX members account were transferred to Navy Federal Credit Union XXXX XXXX XXXX. Both XXXX informed us ( members of XXXX ) this is a transfer, informed accounts would be transferred to XXXX. I had loans with XXXX that were transferred : car purchased in XXXX XXXX and personal loan beginning on or about XXXX XXXX, both loan interest stated the same. BUT under XXXX biweekly Car loan {$210.00} ; personal loan {$160.00}. Under account transferred to XXXX car loan {$250.00} and personal loan {$190.00}. I asked why, I was informed that XXXX do not do biweekly payments, they only do monthly payments. Therefore, I could pay biweekly but my amounts will be higher. Well, my monthly under XXXX for car is {$500.00} and personal is {$380.00}. We former XXXX do not understand why, I do not understand why {$160.00} XXXX $ XXXX total ) and {$210.00} XXXX {$420.00} XXXX can increase if the interest stayed the same and the accounts were transferred. All I was informed through written ( and verbal, after I questioned the increase is that the accounts would be transferred XXXX. XXXX explanation is that they do not do biweekly payments. But they merged with and accepted members who signed contracts and accepted loans based upon the loan agreement at/for a certain amount. When I informed XXXX that to me, the name of the company I am paying changed but not the amount of the payments ... similar to a mortgage that is transferred. I was told no, it 's not the same. I am asking for someone to explain how account payments signed and in progress can be increased because the company do n't do biweekly payments. Should n't this have been discussed prior to their merger and transfer of accounts? Should n't we/I have been informed so that I could have tried to find a credit union with similar terms? Most of all, is this legal? Now, XXXX is sending me promissory letters/contracts with their new amounts requesting I sign. I have the amount in savings because I do not want to default on the loans ( the payment is due XXXX XXXX ) ; but I disagree with the $ XXXX that XXXX is asking XXXX to pay. I informed XXXX that I would be filing a complaint with this Agency seeking an investigation into what they are doing to the former members of XXXX. Under XXXX in my loan agreements my final/last payment for car is {$170.00} and personal loan is {$120.00}. Can provide contract loan agreements to your XXXX. It is not just me, there are a lot of us " former XXXX members whose loan payments have now changed since this transfer to XXXX. I really want you to publish my information because every person/consumer need to know and learn what can or might happen with a XXXX XXXX transfer.
Consumer complaint received 2017-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 4M Collections, LLC (WA)

A landlord, XXXX XXXX, in XXXX, Wa, filed and served an unlawful detainer upon myself and boyfriend by posting notice on the apartment AFTER we moved out. The boyfriend was in XXXX for a XXXX XXXX charge against me at their apartment. They knew he was XXXX XXXX XXXX and accepted the notice I provided them. The month by month contract may be broken so victims can relocate to safe, affordable housing. I provided a forwarding address where they mailed me my refundable security/cleaning deposit, an address also listed on the moving notice I provided them and their rental application. 
They knowingly improperly spelled my name on the court documents. They failed to properly serve us, and two days after knowing the apartment was vacated, posted notice they knew we would never receive. 
They won an unlawful detainer and judgment against us that we learned of three years later from a debt collector XXXX XXXX aquired and again, ten years later, in XXXX, another company, 4M corporation, also in XXXX, WA, tried to collect, this time filing a property lien on us before we were able to appear in court to respond. 
They had provided lawful service and we filed response and spoke in person to 4M when we provided working court copies. 4M told us due to this new information the court date, in two days, would be stricken. But, it was n't and we appeared and they did not. The judge called the office and was told they forgot to strike the hearing.
There apparently were more filings on this case a few days later that we were NOT properly served or received. So now nothing has changed or happened to resolve this in court. The unlawfully obtained judgement has been addressed but 4M is n't doing anything to complete their action against us. How any property lien even stand when the collector wo n't appear to be disputed?
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XX/XX/XXXX, I took advantage of a promotional offer from Bank of America for a balance transfer for 18 months at 0 % percent interest rate. 

On XX/XX/XXXX, I notified Bank of America of a fraudulent charge from XXXX XXXX  that was pending and asked BOA to block this charge. I disputed this charge several times. BOA refused for months to remove the charge from my account although XXXX XXXX confirmed it was fraudulent and cancelled. 

During this period BOA began charging my account interest, and for the next six month refuse to reverse the charge and interest. In addition, raised my minimum payment due based on this fraudulent charge. 

I again reached out to BOA XX/XX/XXXX the assured me the problem would be taken care of and charges reverse. To date, BOA of America has refused to reverse said interest charge and lower the minimum payment due in accordance to the promotion offer. 

BOA is engaging in deceptive and fraudulent business practices in commerce trade and I would like to file a formal complaint and asked CFPB to investigate and enact or enforce laws that would prevent bank from engaging in this deceptive business practice.
Consumer complaint received 2016-05-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (NJ)

The above mentioned account is being reported as a paid collection on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note or bill to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to and that it belongs to me. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the collection status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the collection status, correspondence sent to me regarding the collection action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter