davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX on XXXX/XXXX/2015. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AL)

wells fargo bank is blocking me access to my account/money & has since XXXX. 
XXXX store manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX she blocked all access to my own money after i reported her for not knowing how to activate an instant debit card. she retaliated against me for reporting her, and told me to call loss prevention & therefore, they told me they she told them to block my from getting my money out of the bank. me & my children have been starving and without for 2 days now because of this banks actions. i want access to my funds immediately! Also, yesterday they printed my balance & i have a paper receipt of : {$4400.00} Open XXXX ( R ) Savings Total {$4400.00} Activity Summary Current Posted Balance & today my account went down somehow by balance of : {$4300.00} ANONYMOUSLY, AND WHEN I DIALED THE XXXX THE OPERATORS WERE ASKING FOR MY ONLINE BANKING USERNAME & PASSWORD.
Consumer complaint received 2015-03-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Streamline Recovery Inc (OH)

I received a call in regards to a payday loan that I had paid all principal back in 2013 in the amount of {$400.00}, this was from a tribal lender XXXX XXXX. At that time in 2013 I had contacted the lender directly as I found the loan and the interest was not allowed in Ohio, and paid the principal balance back to them. The number contacting me was XXXX Streamline Financial but when searched comes up as XXXX XXXX XXXX XXXX XXXX ( XXXX ) out of XXXX NY, I spoke with a XXXX and told him to mail me a letter in regards to this matter I would not speak to it over the phone for security reasons. He stated they are not a billing agency and could n't provide that to me. When I told him I would not discuss this matter further over the phone he threatened that he would be contact my relatives and place of employment until I did speak with them.
Consumer complaint received 2015-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRSTBANK PUERTO RICO (FL)

Our family has been struggling for the last 2 years in making our monthly mortgage payments. Our house is currently in the state court awaiting a hearing to set the house for sale. Before all of this happened we have been consistently behind one month of our mortgage payment ( {$3100.00} ) for about a year and a half. On XX/XX/XXXX the bank informed us that if they did n't receive both payments that they will start the foreclosure process for our property, this is when we decided to get a lawyer to helps us to modify our loan. At this time we stopped paying the mortgage in our house too see if the bank would help us. The bank denied us more than XXXX to modify our loan according to our foreclosure lawyer. The bank concluded that the reason for denial was because we make too much money, and they go back to 31 % of gross income which I feel is not a realistic figure. We have held a mortgage with this bank since XX/XX/XXXX with our previous house and were good customers. We feel they have been unjust and really want our home. All we wanted was a lower monthly payment so we can manage with our monthly expenses. 
My wife and I are both XXXX and have XXXX daughters. This whole process has been so stressful. We wanted to start making payments again but they only wanted the entire balance and have not been willing to assist. We also tried to do a short sale which they again would not consider any short sale. My wife was XXXX seven years ago and it has been hard on all of us. Our daily life is affected in all ways and she XXXX. Stress is not good for this XXXX but then again the bank apparently does not care. We were just behind XXXX payment and they would n't accept it unless it was the complete amount at the start of this whole process. Lawyers have been amazed on how the bank has treated us and not considered any options. We just wanted our bank to help us solve our current situation to modify and lower our current loan with the monthly moorage payment {$3100.00}.
Consumer complaint received 2015-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

About this time last month - I had used my Chase Debit Card at a XXXX store to purchase a wallet. The next day I had notcied that my card was missing - I contacted Chase as soon as I noticed the card was missing and filed a claim with them. They never responded to the claim with any updates and I would constantanly be calling to check status on the claim. Which they would always say they had no information. So now 4 weeks later - I find that my checking account accocated with debit card was closed. I contacted chase again and they claimed to have contacted me to let me know but never did. They said the account and card was closed due to the charges I claimed as fraudulent were maybe before the purchase at XXXX. The purchase at XXXX was made in the morning time, and Chase is arguing that the charge at the XXXX store was made at XXXX which is impossible because the store closes at XXXX. I feel like Chase bank is discriminating against me because I am XXXX. I have been a long time customer with them and I do n't know why they are treating me like this. Chase bank says they would like to end their relationship with me and I can no longer bank there, which is unfair. I have been a good customer and want to still bank with them.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act, the list of accounts below hasviolated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It alsostates a consumer reporting agency can not furnish a account without my writteninstructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of informationAny other adverse item of information, other than records of convictions of crimeswhich antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) Aperson shall not furnish any information relating to a consumer to any consumerreporting agency if the person knows or has reasonable cause to believe that theinformation is inaccurate. Delete the accounts below : 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 XXXXXXXX
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I have had this credit card with AAA for many years. I was informed that the credit card company switched from XXXX XXXX XXXXXXXX to Comenity. I noticed on my last bill from them ( I get paper statements in the mail ) that " XXXX  total year to date. Total fees charged in XXXX - {$50.00} '' Didn't understand. I pay all my bills on time and in full. I called Comenity and spoke to a representative. He explained that the date I choose to pay the bill, on that date, XXXX ( my bank ) sends a paper check to Comenity which get to them about XXXX days later. So if the bill is due XX/XX/XXXX, and I arrange to pay the bill through my bank on XX/XX/XXXX, and I arrange that payment the end of XXXX, on XX/XX/XXXX, XXXX sends out a paper check to Comenity. So the payment arrives late, after the XX/XX/XXXX due date. 
I was amazed that in this digital age, paper checks are sent from a bank to credit card. 
I called XXXX and they said that the payment should be received on XX/XX/XXXX, as in my example above. 
I looked at the payment activity on XXXX and saw that all the payments I make to companies are executed " XXXX or XXXX business day electronically. '' But Comenity 's bill says on my XXXX account " XXXX Business Days paper check ''. 
Comenity did give me a credit of {$25.00} from the {$50.00} fees. That {$50.00} fee is not on the front page of the bill, BTW, but on page XXXX. Other people might not notice it. 
I XXXX  complaints from Comenity and there are lots of people making complaints. 
Also, I got an email saying that my payment is due soon for AAA Travel Advantage Visa Signature card ( the full name of the CC ). No where on the email does it say that they are sent a paper check that takes time to get that check. 
They shouldn't be allowed to deceive the public. If you need more information, please let me know. 
In all fairness, I didn't see the actual fees $ XXXX {$25.00} added on to my bill. Is the company actually charging those fees? I would have to add up each month 's statements to determine that.
Consumer complaint received 2016-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Ad Astra Recovery Services Inc (TN)

There is an account on my credit reports from a company called AD ASTRA RECOVERY SERVICES ( acct # XXXX ). They are claiming that I owe them. I have not received any notification that I owe them, nor have I signed ANY documents allowing them to have any of my personal information. I have tried to work with the credit bureaus but they have failed to provide me with a document that I signed in regards to this account.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Other than when I initially got my Cabellas Card issued from XXXX approximately 2 years ago I have not used the card. However I recently checked my statement and found a fraudulent charge in XX/XX/XXXX. This charge was to XXXX, which I 'm not a member of and in XXXX, where I have n't been in over XXXX decades. Upon discovering the charge I immediately disputed the charge with XXXX Upon dispute XXXX closed the account and then opened an additional account, transferred the fraudulent charge with late fees then immediately closed the new account with a delinquent balance of {$10.00}. These actions of XXXX has directly negatively impacted my credit score by XXXX points. Their response has been " you need to contact the credit bureaus to get it corrected. '' Their actions have been malicious and predatory toward a person who has no other derogatory remarks on their credit history. This is over a charge of less than {$10.00} that was made fraudulently and since it was an international transaction should have been picked up by their fraud department easily.
Consumer complaint received 2017-01-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I and my husband are victims of wrongful foreclosure filed by The Bank of New York Mellon acting as Trustee for XXXX XXXX XXXX. 

On XX/XX/XXXX we signed a Mortgage Contract with XXXX XXXX XXXX , XXXX, who in XX/XX/XXXX was purchased by XXXX XXXX XXXX. According to the mortgage agreement, the lender was XXXX ; and XXXX was named as a mortgagee. Based on XXXX website, our loan has inactive status with XXXX and the Servicer is XXXX XXXX XXXX. 

On XX/XX/XXXX, or more than 10 years after we signed loan agreement with XXXX XXXX XXXX, the Bank of New York Mellon filed a foreclosure case acting as Trustee for XXXX XXXX XXXX. In support of this complaint Bank of New York attached a copy of the Note which has a stamp signature of XXXX XXXX XXXX, a well-known robo-signer and former managing Director who does not work for XXXX since XX/XX/XXXX. The Note was accompanied by purported " chain of endorsement '' signed by well-known robo-signer XXXX XXXX, XXXX " Vice President ''. 

In XX/XX/XXXX Bank of New York already tried to file a foreclosure case against our family, XXXX, but was not able to provide any documents. 

In XX/XX/XXXX case Bank of New York Mellon recorded an Assignment from XXXX to Bank of New York. In XX/XX/XXXX case the second page from XX/XX/XXXX Assignment of Mortgage was used as purported " chain of endorsement '' to our Note signed in XX/XX/XXXX. 

When we tried to contact Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX, to request copies of original Note with full chain of assignment, they failed to provide us this documents, as well as prove that our loan was a part of XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX created at least XXXX XXXX, each worth billions of mortgages. Here are no single documents in support that our loan was part of XXXX XXXX and not any other Trust. 

Moreover, Statute of Limitation already passed to collect anything on this loan long time ago under all applicable laws. Furthermore, XXXX can not accept any securities transfers after 90 days from its closing day, which was no later than XX/XX/XXXX. 

When we asked Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX to validate payment amounts, they always sent me completely different amounts and were not able to explain how it was calculated.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: High Point Asset Inc (TX)

I keep getting phone calls from High point asset phone XXXX that do not identify themselves and leave robo calls about how they are going to forward my case to someonebody. They keep calling leaving messages stating that they are trying to send me documents. I have requested in the past proof of the debt and at no avail I have not received anything in writing. They never state they are trying to collect a debt and a guy in XX/XX/XXXX named XXXX told me he wanted to me to meet with an officer someonewhere to deliver documents. I am being threated with legal action but they cant come up with any paperwork regarding the debt.
Consumer complaint received 2016-10-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

my income since XXXX/XXXX/XXXX to present is net loss of at least {$XXXX} to date, since I started my business. I have no taxable income to date for XXXX so far. I was in financial hardship deferment until XXXX/XXXX/XXXX payment was due. I submitted the INCOME BASED OR INCOME SENSITIVE REPAYMENT APPLICATION to lower payment AND SUBMITTED XXXX pages of proof of income, banks statements, profit & loss statement for my business on XXXX/XXXX/XXXX. and on XXXX/XXXX/XXXX because Navient specifically asked for PROJECTED ANNUAL GROSS INCOME, which I submitted on that day. After many phone calls to Navient, Navient keeps asking me for more document and keep saying they have more than 15 business days to process the request. It is apparent to me they do not allow lowering payment for me. Loan borrower has rights. I know the loan payment can not legally be more than a percentage limit of his/her income. Realistically, I can not pay with the money I DO N'T HAVE! meanwhile, I am getting penalized because I do n't have {$430.00} to pay every month. Acting illegally, Navient wo n't lower my payment. I do not want my loans to go to default!!! I keep logs of every phone conversations I had with Navient as proof. I did pay {$100.00} due on XXXX/XXXX/XXXX. I have many other personal and business bills to pay. 
I believe Navient is acting illegally. I request a fair hearing. My family household of XXXX are all eligible for XXXX program, it is based on proof of low-income.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MD)

I am in the middle of buyin a home and I have a charge off on my credit report that I need to resolve. I have call on several time to get no where. I am willing to pay the debt off to purchase this home however the credit company SYNCB/CARE Credit has been no help and said that they would not show my status as paid on my credit report, nor would they send a letter stating that the account was paid in full. However they said they will take my money but they wo n't report to the credit reporting system nor will they give a letter. I have ask to talk to a supervisor only to be told the same thing over and they are not willing. I was hung up on when ask to talk to there supervisor and also told there were no other supervisors. I need to get this cleared up as soon as possible. Settlement is set XX/XX/XXXX and this is the only thing that is hold me up. Had the company proceeded to do the right thing this would hav never happen. I was never contacted by them nor by a collections agnecy. This account was auto debit from a checking account and they just stop taking the money out.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CO)

A Florida company named " XXXX '' obtained information about a time share we owned, They cold called my spouse wanting to list the time share property for sale. her response was " no we do not need your services ''. XXXX then proceeded to produce and execute a contract for the property anyway without the knowledge that we terminated our interest in the timeshare through Timeshare exit team / XXXX. 6 months prior. When XXXX executed the contract it had the last 4 digits of a credit card which has never been in my possession, no CC number was ever given to them and they somehow managed to get a valid number on my PayPal account. When I noticed an XXXX dollar charge on my credit card I immediately called PayPal / Synchrony bank and told them the charge was fraudulent.They then investigated the charge and concluded it was valid because there were internet transmittal information and a XXXX signature on the contract. We disputed the proof they had and submitted and sent them our proof of termination of the timeshare 6 months prior the the execution of XXXX contract. The contract Synchrony sent us as evidence had been altered on the last 4 of the credit card number from the one I obtained from XXXX. Again I disputed this discrepancy, they re investigated and still refused to acknowledge that this was a fraudulent charge.After countless harassment calls from Synchrony for collection on the debt they submitted the case to XXXX for collection. I submitted a letter and documentation explaining that the charge was not valid and no further contact has been made by them. Next I filed a Better Business Bureau case # XXXX on Lifetime and # XXXX on Synchrony Bank, Lifetime did not respond at all and Sychrony denied the withdraw of the charges. Now I am writing CFPB in hopes that someone can help me resolve this matter.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have several accounts, inquiries, addresses, and name aliases that are fraudulent and incorrect i have a police report with the officer information XXXX badge # XXXX report number XXXX along with id theft affidavit notarized and my social and driver license .... please review this info ...