davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my Trans Union, XXXX and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

We resolved the issue, but I would like to share our story with the CFPB in case other consumers are affected. My wife just opened a new XXXX store card. The company, though, Comenity - XXXX has charged us late fees for 2 consecutive months on her card. This happens because the company tends to process our payments late. It feels as if they do this just so they can charge us fees. Since we use our bank 's billpay service, our bank confirms when the company receives the payments so we know that our payments arrived on time. Therefore, while we were willing to accept the first late fee as a possible error on our behalf ( we scheduled the payment for the due date ), we ensured that Comenity - XXXX received this " late charge '' payment a few days prior to the due date. The company STILL sat on our payment for a few days, processed the payment 1 day late, and charged us new late fees. We called Comenity - XXXX to resolve the issue, and they refused to reverse the charges. After a threat to report them to the CFPB, they decided that they could offer relief for our situation and dropped the fees. Still, we closed the card and are still lodging a complaint so others are not swindled by them.
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: OLIPHANT FINANCIAL, LLC (NJ)

When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, XXXX XXXX XXXX XXXX tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a Registered Representative - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?
Consumer complaint received 2017-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I have been trying to work with the Navient company in correcting a mistake that has happened but they keep giving me the run around. The mistake is my Student Loans where defaulted on when they were suppose to be in Deferment and or Forbearance because of my XXXX XXXX status during a time of XXXX. The first two years of my XXXX XXXX time they were in Forbearance and then were taken out for some reason. But it is not my fault that they did not scrub the XXXX database to ensure i was XXXX XXXX. An i worked with them in XXXX XXXX, XXXX and XXXX, so they were aware of my XXXX XXXX status.
Consumer complaint received 2017-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Went into the XXXX XXXX. Wells Fargo Branch. I stepped up to the teller window, I told the teller that I was there to pay my mortgage. Sadly I did n't have the account number with me. She asked me my name, I replied, I am not on the contract. She looked around for help. The mortgage is based on land/home ownership. I believe that they could have taken my address to look up the mortgage. They only had a ca n't do attitude, whereas they would be happier if they 're customers were happier. How can I help you is the better way to a consumers heart. 

I called the number on the response letter and the gentleman who answered, I forget his name, just rambled on about how they were right. I think the corporate culture needs a sorely lacking update on how to support their customers.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

I received a letter indicating that my adjustable rate mortgage will be going up. This is appropriate. However I did a little research and found that they calculated the new loan rate incorrectly. The rate should be based on 1 yea r   XXXX   XXXX   of fered rate plus a margin of 2.25 % . ( Rounding up to the next 1/8 % ).  The 1 year   XXXX   XXXX    offered rate on the date of the letter was  XXXX  plus 2.25 % would bring the rate to 4.0 % after rounding it up. The letter indicated that the new rate is 4.125 %.      Ditech used  the incorrect rate on the calculation and I suspect that since they have purchased this loan that it is standard for them to edge the rates up on all of it 's customers.
Consumer complaint received 2017-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (WA)

In XXXX of XXXX I filed for Chapter XXXX bankruptcy due to undue hardships as result of a divorce a few months after our child 's birth. All creditors included in the bankruptcy filing were notified at least 2 weeks before my bankruptcy meeting of creditors on XXXX XXXX, XXXX. Navient/Department of XXXX was included in this list filing with a total amount of debt to be discharged of XXXX. This included two separate student loans each amounting to XXXX and XXXX respectively which was noted in the 'Other ' section of the XXXX XXXX XXXX. No creditors attended the creditor meeting in XXXX or disputed the bankruptcy. My Chapter XXXX Bankruptcy was granted in full on XXXX XXXX, XXXX. Nelnet/ Navient XXXX Department of Education have continued to bill and contact me all with varying stories stating it will be done in 1-2 days, then that it takes 30 days to process and that I will need to put a forbearance on the account, that my bankruptcy expired on the exact date it was granted, that they could not approve it without the list of creditors attached to/included with the order of discharge form even though no such thing exists, that they have some denial letter in their history ( which does n't exist ) and then that they do n't, giving me incorrect fax numbers, claiming they never received a fax in full that I have the proof of successful submission for, then telling me that ALL federal loans can not be discharged via bankruptcy, etc ... It is true some can not be XXXX but mine was granted under the 11 U.S.C. 1328 XXXX b ) for undue hardship, poverty persistence and good faith ( via XXXX decision of XXXX ). I am not liable for these debts under 11 U.S.C. 105 of bankruptcy code the bankruptcy automatic stay and discharge. I am unable to get them to stop attempting to collect or accept my order of discharge as such and that they are " above the law ''.
Consumer complaint received 2016-04-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (TX)

this a debt that my ex husband has done and am not paying for it .my ex-husband has used my name to get a credit card in my name without my permission and am paying for a debit that is not mine we have been divoceced since 2001 and I have no contact with him .and iam sick and treid of getting this bills that are not mine I do n't even have a credit card because of him.
Consumer complaint received 2017-11-07
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)

Equifax, XXXX, and XXXX have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of Equifax I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.
Consumer complaint received 2016-09-13
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BROKER SOLUTIONS, INC. (TX)

We were the seller of a house located in XXXX XXXX TX. The loan company, New American Funding Inc., for the buyer of the home delayed the closing 3 times, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 finally closing on XXXX/XXXX/16 without a valid contract and not providing an addendum to close the sale on XXXX/XXXX/16. The Lender received the appraisal 5 days before closing and failed to notify the broker or seller that the appraiser had noted a safety issue that needed to be addressed before he would sign off on the appraisal until XXXX XXXX XXXX the day before closing. This left no time to correct the issue and delayed the closing until XXXX/XXXX/16. We were not provided any addendum with a new closing date and left to hang in the balance from XXXX until XXXX/XXXX/16. This also resulted into the payoff being higher and late fees since they failed to meet there obligations. We understand the mortgage company has a responsibility to the buyer, but proper notification and addendum is still required to be presented to the Seller. The mortgage company assured us they would close before XXXX day and then relayed via a text that they would be closed for XXXX day and it would not close until after the holiday. Total disregard for the seller, unethical and unprofessional behavior given to the seller!
Consumer complaint received 2023-05-22
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: SANTANDER HOLDINGS USA, INC. (GA)

A notice was recently sent to this company for multiple FCRA violations. The company responded that all information has been verified and that there are no inaccuracies to report while providing no proof of their findings. 

I have attached a copy of a report from the CRA 's showing at least 5 areas where the information is inaccurate. This is the bare minimum of violations this company has committed. According to law, all credit reporting agencies must show the same information and all info should match across the board. It is the responsibility of the furnisher to be sure all information is the same, otherwise ANY difference is considered an inaccuracy and the entire report must be removed. 

The inaccurate information has caused harm and damage to my ability to get housing, transportation, work and credit in order to establish a comfortable way of life. This is in direct violation of law as it is harmful and abusive. 

I have never received any notice from this organization stating my ability by law to opt out of anything. I have attached an opt out notice, that states, I am opting out of any and all authorization, I the consumer, may have given Santander Consumer USA written, unwritten, verbal and non verbal per 15 USC 6802 and 12 CFR 1016. This opt out notice INCLUDES ALL CRAs. 

This is my last effort to reach out to this organization to provide remedy for the harm and damaged caused for the laws that they are continuously violating. Remove this account from my credit report, provide remedy for your inaccuracies or Im left with no other option than to file a FTC fraud report, audit this consumer account and take legal action in federal court for the violation of laws and securities fraud.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NJ)

The short version as to what has transpired is as follows : After fighting with my insurance company for over two years I finally got them to pay for damages to my house in  XXXX . This came after having to get an attorney as well as an appraiser and ultimately a ruling from an official umpire. All of which I will have to pay ridiculous amounts of money to at my costs. Meanwhile while am fighting to get enough money to make proper repairs my mortgage company  (   XXXX   XXXX  ) with whom I am 41 months into a Chapter  XXXX  Bankruptcy sells my mortgag e to Selene Finance LLP.. The y were given partial repair monies from  XXXX   XXXX  as well as interest in  XXXX  of  XXXX  and the remainder of the repair funds from the insurance company around  XXXX  of  XXXX . The total is almost  XXXX  and all if not more will be needed to make repa irs. Selene Finance LLP is s tating that I must get a General Contractor to do all of the repairs even though my contract with  XXXX   XXXX  clearly states that I only need to use the money for repairs and that I am to receive these funds in draws with the mortgage co. performing inspection to validate the work gets completed before the money is given. I have repeatedly agreed to what the contract states which are identical to your regulations as well as th e State of  NJ, Unfortunately Selene continues to not follow the contract and will not let me perform the repairs myself and/or hire subcontractors even though I am a Construction Official for a large Municipality and have designed and built my own house previously as well as many remodeling projects over the years. There is no difference to them as long as all the work gets done, especially since all the work gets inspected by them before the funds are given and all the work gets inspected for code compliance by the city of  XXXX   XXXX . Meanwhile I can '' t get my house repaired nor can I resume collecting any rents ( which has made it extremely difficult to keep up with my current mortgage payments as well as my Chapter  XXXX  payments. I wonder if that is what they are trying to make happen so they can try and steal my house which I have owned for over 21 years. They have also refused to account for the whereabouts of these finds nor will they pay interest while they are illegally holding my money.  XXXX   XXXX  told me where my money was, that I could get my first draw whenever I decided and was paying me interest while they were holding it prior to the transfer of account  to Selene Finance LLP.  Only after Selene  Finance LLP  took over the loan did the problem begin. Please contact me if you have any questions and PLEASE HELP ME!!! I CA N'T AFFORD THESE DELAYS ANY LONGER!!! Thank You
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (CA)

I have open a bank account a couple of weeks ago and they are telling me mixed up questions on checking my identity they have frozen my account cause they said I do n't have the proper requirements to close my account I have said several times to the manager every time I go to the bank that I have seen my exboyfriend from  XXXX  New Jersey around that bank area. I have showed the manager my state indentation, social security card, my birth certificate and a letter from the hotel I have been residing at he has told me still I ca n't close my bank account with that type of address he is now saying I need a physical address to close my account
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted complaint XXXX to the CFPB on XX/XX/23, which has all of the original information. I received a reply today, XXXX. Bank of America missed the entire point of my complaint. The point was that BofA advertises their Credit Card Protection Plan as covering purchases, then denies that coverage based upon guidelines that 1 ) are not available in any of their advertising or in their application process, 2 ) are not available to the customer through contacting the Credit Card or Protection Plan departments, and 3 ) were contradicted by the original person on the phone handling the claim. The reason I involved CFPB was to get Bank of America to provide customers with easy access ( i.e., the web ) to the terms of services their card purportedly covers.

In BofA 's response, they suggested I go through their Billing Dispute department to get reimbursed. That response is explicitly suggesting that I commit fraud -- they know that the issue was not with the merchant that I bought the item from, it was that the item was stolen after it was received. If I were to file a claim with the Billing Dispute team and they were to approve my claim, the money would be taken from the account of the merchant -- who was not responsible for the theft. So Bank of America has told me that to resolve my issue, I should cheat the person who sold and delivered the item to me BEFORE it was stolen.
Consumer complaint received 2017-07-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (FL)

Company agree to remove negative information from Credit files once they receive the unemployment claim insurance form that they sent to me and and I return back to then in a timely manner and they got paid by insurance for it and left the negative Information in my credit files breaking the promises.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (SC)

My problem is with nation star financial.in  XXXX  I was paying  XXXX  a month, last year in  XXXX  my home owners insurance went from  XXXX  per year down to  XXXX  .so the mortgage company dropped my payment to  XXXX  a month.i had nothing to do with any changes, and we were not notified about any changes.Then 2months ago I get a bill for  XXXX  dollars and was told that was my new house payment.i called and they say I did n't have any money in my escrow.i asked why they said after a lot of research we found out they were paying my insurance company double.they were paying the broker  XXXX  and  XXXX  and  XXXX   XXXX  who holds the policy.i told them that none of this was my fault.i talked to the escrow man at nationstar all he would say is ok I 'll drop your payment to  XXXX  a month and he said have a nice day.because of all this I have to file a amendment and start paying for a house the I have paid for 15yrs.why should start over again.i think there wrong on what there doing to me and my family.i think we 're being extorted out of money.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

I have disputed an incorrect collection that had been submitted against me from XXXX XXXX for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by XXXX. I called XXXX and submitted a dispute against this collection as well as the other XXXX XXXX and Equifax. I had submitted various disputes against that collection with XXXX and Equifax and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.