davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-20
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: ONE REVERSE MORTGAGE, LLC (NV)

I applied for a reverse mortgage through One Reverse Mortgage ( " XXXX '' ). Shortly after I submitted my personal information to XXXX at their office in XXXX XXXX, California, I received noticed that my personal information, including my Social Security number had been breached, and someone in the XXXX XXXX area attempted to use this information to obtain over XXXX lines of credit. I believe One was negligent in its obligation to maintain the security of my personal information and that a member of the processing team allowed this information to be used by a friend or relative to attempt to obtain these lines of credit. The person went so far as to attempt a change of address with the United States Postal Service. This breach caused great anxiety and stress, with many sleepless nights for me, just waiting for another issue to arise.
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (CT)

My credit line with Discover was lowered from XXXX to XXXX not too long ago, they claim a recent review of account/credit score is the reason for their decision. However, the account has been paid on time and never over limit since opening and if anything, the credit line should have increased. At the time of supposed review, the account was paid off with a XXXX balance. Please note, at time of account opening the agreement did not state I needed to maintain a certain credit score in order to keep the XXXX credit line. Please do not mark this as duplicate as there is additional information not previously disclosed.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (UT)

It is taking Equifax XXXX times longer to review the activities of alleged creditors on my report than it took XXXX. I even provided them evidence XXXX concluded their investigation, and found in my favor. Yet, nothing has happened with my dispute since the day I filed it. 

I am. Trying to buy a home and this inactivity on their end is standing in my way.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

Even though the balance on my checking account reached zero, bank continued to pay out funds instead of making a notification of " insufficient funds '' and then charged my account fees of {$37.00}. The total is now close to {$1200.00} and since I have direct deposit of my Social Security check, they took all my money for the month of XXXX and now I can not buy food or pay rent or pay my utility bill. The Social Security check is in the amount of {$XXXX} so now they say I still owe them {$480.00}. I did stop direct deposit. But I still have no money for new eyeglasses or food or even laundry. As of right now, XXXX XXXX, 2015, I should have a positive balance of about {$720.00} in the checking account to pay my above listed expenses. I do n't know what I will do when my food runs out or if ConEd turns off my electricity. When I opened the account, I specifically told the bank officer that I did NOT want credit of ANY kind, especially any kind of draft balance protection. I said that if the balance reached zero to refuse the transaction. I NEVER write checks so refusing the transaction on a debit card is XXXX way for me to know when I run out of funds. The problem Bank is Peoples United Bank [ XXXX ] and the problem started shortly after XXXX XXXX, 2015
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

For my personal information, they have XXXX listed as my spouse. I do not have any credit with XXXX nor any outstanding accounts or closed accounts listed on my report is joint with XXXX as a signer or with my credit history. I did not give Experian Credit Bureau permission to add XXXX to my report. None of my accounts have XXXX name on them. Please remove him from my report. They can not provide anything with my signature on it that states he should be a part of my report. PLEASE REMOVE XXXX FROM MY REPORT. I DID NOT GIVE EXPERIAN PERMISSION TO ADD HIM SO NO DOCUMENTATION ON MY PART SHOULD BE NEEDED TO REMOVE HIM. This is improperand potentially illegalfor EXPERIAN to add someone to my credit report without my explicit permission, especially if we do not share any joint credit accounts.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX # XXXX XXXX, TX. XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, my Navy Federal Credit Union auto loan matured in XX/XX/year>. In late XXXX or early XXXX, I went back to the mobile app and a notice stating I owed {$600.00} in fees and I that I was 30 days delinquent. This astounded me because it/they never said that I had a balance outside of my recurring loan installments. I nevertheless set up a payment arrangement to pay the money they claim I owed in a timely manner. My account became delinquent 30 days because the agent/employee who set up the initial payment arrangement did it improperly and those payments did not go through, although the money was there. My account became delinquent 60 days after a second agent/employee supposedly redid the payment arrangement, and sure enough, she did it improperly as well. My account was only brought current on XX/XX/year> after a third agent/employee and a member of management eventually recognized the errors done by the two agents/employees stated above; noted my account and made all the necessary corrections. 
I can't remember the name of the third agent/employee, but he did a fantastic job of addressing the issues and clarifying their misconduct. 
Conversely, I received a 90 day delinquent notice on XX/XX/year>, after my account was already made current and even though Navy Federal Credit Union sent me a " Paid in Full '' notice, closing my account and my Title which is dated XX/XX/year>. I did everything I was told to do by the agents/employees and due to their negligence and lack of knowledge, my credit still got knocked down by over XXXX. because of this 90-day late fiasco. 
In closing, I'd also like to bring to your attention that Navy Federal has experienced numerous " system errors, '' which have unfortunately impacted my consumer credit. Several of my associates have encountered similar issues. I hope this information helps clarify the situation and assists in the necessary adjustments to my banking history and my credit profile. 
Thank you for your attention to this matter. 

Regards, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

In XXXX XXXX, XXXX, I opened an account with Huntington National Bank. I requested an account that do not charge any fees. Banker XXXX XXXX assured me the account he opened for me had not management fees involved. They provided me with their " Huntington Plus Checking Account '' which is free of charge. Since opening the account until XXXX XXXX no fees were charged. In XXXX XXXX, they started charging {$15.00} for checking accounts. I have not noticed the charge until XXXX XXXX. My account was charged {$160.00} in fees during the period between XXXX and XXXX XXXX. I approached a banker with last name XXXX at the XXXX XXXX XXXX XXXX branch ( XXXX ). She refunded {$40.00} but she said she needed authorization to refund the remaining {$120.00}. Then she modified the account and the fee was waived since XXXX XXXX. In XXXX XXXX, I asked her what happened with the additional refund. She told me that since the claim was that old, she was able to refund only {$40.00}. I need your assistance in this claim. The bank has not honored its promise and without notice, it starting charging the fee which I did not authorized. My account No. XXXX.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I recently executed a Deed in Lieu with Bayview Mortgage servicing ( XXXX XXXX had bought the loan from XXXX ). The date of the Deed was on, or about, XXXX/XXXX/15. I have heard nothing From the servicer or the Title Company since then and can not get them to record the document. 

I had kept the mortgage current for several years even though the property was " under water ''. By renting the home ; I was able to service the debt while still putting in additional cash. This situation became untenable when the loan became amortizing. I offered Bayview the opportunity to move the loan back to interest only and I would rent it and carry it for XXXX more years as the market recovered. They liked that plan but put my through the HAMP program. After months on information gathering, they determined the program was not available to me ... the reasons are still unknown to me. As the HAMP program only allows for interest rate reduction ( ( my rate was 2.75 % ) ; it did not provide me the relief needed to continue. The interest only model would have worked for both me and the Lender but I was told it was not allowed by the CFPB. 
Regardless, the best alternative for me was the Deed in Lieu, I am just looking for them to complete that process OR at least communicate with me.
Consumer complaint received 2015-05-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (PA)

Lowes credit card, serviced by Synchrony Bank, is taking 7- 14 days for an online payment to clear if the payment exceeds {$500.00}. Is this a maneuver to attempt to have payments posted as overdue because of the extended time for an online payment to clear? 
Does the law limit this action which does not seem to serve the consumer? 
Visa posts in 24 hours. 
Please advise.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Ex spouse received property in the divorce settlement. Divorce proceedings give the account in question 100 % to my ex as well as the mortgage. Told this to XXXX XXXX as XXXX our names are on the note, but they did not care. Ex spouse is in the middle of a refi with XXXX XXXX mortgage. This action should have stopped them from ever placing a late payment on my credit. Since the ex is in the middle of the refi, he did not pay the monthly amount due, again not my fault, especially since I was not even aware of the situation in the first place. XXXX XXXX Mortgage erronously placed a late payment on my credit rather than the ex spouses credit. I contacted XXXX XXXX and they could care less. They have confirmed the paperwork has been approved and is awaiting my exes signature ( 2-3 weeks they said ) and this mortgage will be his and his alone. I would love to file a dispute with XXXX XXXX if someone could tell me how. Please see page of the attached divorce stipulated judgement granting my ex this property and not me. The account in question is XXXX XXXX Home Equity Loan balance of {$63000.00} on XXXX XXXX XXXX. Please see the attached Stipulated Judgement Page XXXX Item XXXX, Page XXXX, Item XXXX and Page XXXX the last paragraph on page XXXX going onto page XXXX.
Consumer complaint received 2016-02-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (IN)

I keep getting calls from an automated number. They are from Credit Protection XXXX and they provide XXXX different phone numbers to contact them in the same message. They also provide a verification ID number to refer to. I have attempted to call XXXX numbers to tell them they have the wrong number and to stop calling me, but XXXX numbers are completely automated, and you can not reach a real human to talk with. You can push numbers to remove your number, but it does n't work. You can not leave a message and must have your account number. This is not my debt and I want them to stop calling my home number.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX  XXXX XXXX Account # : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act.

The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (WA)

On XXXX/XXXX/2015 I called Macy 's customer service line to report that as of this day I had not yet received my new Macy 's card. I was told by " XXXX '' that it takes 7 to 10 business days for the card to be received, which at this point was beyond the expected dates. XXXX proceeded to ask my home address to verify they had the correct address and she informed me that they did. She informed me she would have to report my card lost/stolen which is what I expected be done since I did not have the card in my possession. XXXX asked for my mothers maiden name and I provided that information thinking that I was asked that information when I initially applied for the card, however, when she asked my place of birth, I refused to provide that information because I was sure that I had not provided that information and I had already answered all the questions that pertained to my identity initially. As this point XXXX reported that she was not going to be able to proceed with reporting the card lost/stolen because I refused to answer where I was born. I asked to speak to a Supervisor. The Supervisors, whose name I did not get, told me that XXXX had talked to her about the situation. I explained to the supervisor that I have already had a past experience with fraudulent activity using my credit information and I was not going to provide them with information that they did not request for initially when I applied for the card. The supervisor told me that she could not " override the system '' and would not be processing the card as lost/stolen. The supervisor admitted that my mothers maiden name was not requested initially as was not my place of birth. I asked how she would know that I was giving her the correct information then and she responded " we trust you. '' I told her I did not trust her and that was why I was not giving her information they did not have to begin with. I told her the logic that they are using to report the card lost/stolen did not make sense and I refused to give her the information. Hence, she told me she was not going to file the card as lost/stolen then because I refused to provide them with my place of birth which I told her was " none of her business. '' I am concerned that if this card is found or has been delivered to the wrong address and it is used, I will have to go through all the steps to ensure that I did not use this and this I know can take months or longer and I am not willing to allow that to happen. Furthermore, since I have not received a credit card, I do not have any information about their policies when reporting a lost/stolen card. I have a bill that does not provide information regarding how to handle this type of situation either.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I was a victim of Identity theft in XXXX. I was not made aware of this until XXXX of XXXX. In XXXX I filed bankruptcy due to excess bills left from XXXX divorces. I purchased a vehicle last year and at that time I found out there were a few items on my credit reports that I know nothing about. I was also made aware that I could not write checks at certain establishments because of XXXX reports. I recently received my XXXX report and there are a lot of items that do not belong to me. Almost everything after XXXX of XXXX til XXXX of XXXX, besides my bankruptcy is not accurate. I do have a copy of my police report and FTC XXXX # XXXX and my ID theft # XXXX. How do I get this resolved? It 's a nightmare!!
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MD)

Over the course of the past XXXX months, I have been attempting to get American Express to apply my XXXX XXXX card reward dollars against the balance of my account. The first XXXX attempts were via their website, which reported an error, and instructed me to call and speak to a representative. I 've now made XXXX successive phone calls to their representatives, and submitted a complaint, and the rewards have still not been applied. Here are dates of each phone call and notes about what was discussed. 

XXXX XXXX 2015. Requested application of reward balance to statement. Told rewards will be applied in next statement. 

XXXX XXXX. Asked to close account, closure specialist put me in touch with rewards person. XXXX - at the rewards membership, said the system is broken, and I need to call back tomorrow. XXXX is the account closure specialist, and said she 'd give me a a {$75.00} loyalty credit that will appear within XXXX weeks. This took about XXXX hour, and I still do n't know why the rewards can not be applied. 

XXXX XXXX. Called XXXX XXXX - Representative said they attempted to cash rewards, but it failed. Does not know why. Putting me on hold to talk to supervisor. He is going to open up a dispute - maybe dispute team to take care of it for me. XXXX is name of rep. Said to expect a response in XXXX business days. Said the reason it is difficult is because I have moved out of the XXXX. 

XXXX XXXX. Calling for update on status yet again. Rep put me on hold for several minutes to read notes, then said needs to put me in touch with a particular supervisor, and put me on hold again. I 've now been on hold about XXXX minutes and I 'm going to hang up now. Total call length is XXXX.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

MY COMPLAINT UNDER OPEN CASE # XXXX WITH THE CFPB, EXPERIAN STATED THAT THEY NEED ANOTHER 60-DAYS TO INVESTIGATE MY CLAIM. THIS IS IN VIOLATION OF FEDERAL LAW WHICH GIVES THEM ONLY AN ADDITIONAL 15-DAYS, NOT 60-DAYS.
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Nations Recovery Center (NY)

Dear CFPB, this complaint is in response toXXXX and XXXX 's investigation and verification of an public record that appears only on XXXX XXXX 's XXXX and XXXX credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute in writing. Under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts '' If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXXoriginal creditor : XXXX XXXX XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by COB as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from COB who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Nations Recovery. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for RESURGENT on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact NATIONS RECOVERY speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.