davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

My wife and I were approved for a trial period plan for possible modification of our mortgage loan. I ask our single point of contact how would the trail payments be reflected on our credit reports, he mentioned as long as you make your full agreed payment amount within that month you will be reported " current '' to the credit bureaus. We just recently discovered our mortgage is being reported 60 days past due. My wife and I value our credit history, we are very disheartened by being mislead by our single point of contact. Please do what you can to honor your commitment so we can continue having a good relationship with Freedom Mortgage. 
XXXX, Ohio XXXX Loan # XXXX
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX   XXXX  is supposed to be a closed account you closed it and re opened it and it dropped m y credit score afte r I already filed an complaint and it reported as a closed account that 's charges off what 's the problem it 's closed on both  XXXX  and  XXXX
Consumer complaint received 2017-04-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CASHCALL, INC. (CA)

My husband and I get calls from XXXX office. They called my husbands employment ( he XXXX ) and when he said to stop calling him, they still called the XXXX. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed XXXX and we needed to settle for XXXX. We are in the process of getting legal representation to fight back.
Consumer complaint received 2017-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I closed on a mortgage with Citizens bank over a month ago and they keep telling me that they have 'lost the loan ' and I need someone to actually 'find it ' and set it up so that I can start paying it back. Additionally they held back funds for me to complete landscaping outside my house and will not release them nor have they been able to get anyone out to review the completed work to release the funds.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Navient has not provided me with any validation that I demanded. I have asked for any agreements signed with them that I all them debt also anything with my signature on it that shows that I owe them dept. Plus complete payment history on this account along with accounting of all additional charges being assessed. Along with many other proof of depth. I do not owe this company dnt know how I obtained dept with them. The info they do send is inaccurat. They have many inaccuracies on my credit and it is affecting me getting a home loan at a decent rate. I do not owe this company any monies.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Navient payments are not practical! $ XXXX is not feasible by any graduate let alone more recent ones who are only making $ XXXX! Loans need to be more practical and payable! I ca n't get engaged, married, a house or even live because of my loan payments!
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have contacted Equifax several times in order to resolve an issue I had regarding identity theft. I was notified that I was a victim of identity theft and was provided a free credit monitoring service. Upon reviewing my credit report, starting with inquires, I noticed there were a lot of unauthorized inquiries on my credit report. I contacted Equifax and was told I did not have the right to dispute my inquires and that I needed to contact the creditors directly. As a victim of identity, I am not aware of half of these companies and did not have any contact information. I advised Equifax that per the FCRA i have a right to dispute inaccurate information. I was then told by the supervisor Friday that I do not have the right to dispute inquires and Equifax will not allow me to. I have a fraud alert placed on my credit file but I am denied the right to dispute inaccurate information on my file. I have attached a list of inquires not authorized. Please review all inquires with * and provide me with valid proof that I, XXXX authorized the inquiry. If you are not able to provide proof, please remove them immediately. At this current time Equifax has violated my right as consumer to dispute any information on my credit report that is not valid. Failure to comply with FCRA will result in no other choice but a potential law suit against Equifax. Please review my file in accordance to the FCRA. 

Thank you and i look forward to a resolution immediately
Consumer complaint received 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I went to a dealership to purchase a vehicle. The dealer used all of my personal information to call USAA and set up a loan in my name, then requested the check be sent to him. I was then expecting a vehicle, and never received a vehicle and he kept the money. He isnt licensed to finance, and later I found out that he was n't supposed to set up a independent loan in my name. He committed fraud against me, and USAA now is refusing to assist me ... and are trying to force money out of my bank account. USAA  and  XXXX   XXXX  have together committed fraud against me.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (CA)

This situation has exceeded it's max time of over 120 days I'm given to dispute transactions on my account. On XX/XX/XXXX I reached out to chime in regards to my account not receiving my refunds I've given it seven business days to show up on my account but nothing. Til today XXXXXXXX XXXX XXXX I received an email from chime Chime Account Number Ending In : Claim ID : Dispute Type : Debit - Transaction Was Cancelled Date Error Reported : XXXX Claim Amount : {$5500.00} Hello XXXX XXXX, This letter is to inform you we made a final determination regarding the claim referenced above. 

Our investigation concluded an error occurred. On XXXX, the merchant issued credit in the amount of {$5500.00}. We consider this credit permanent, and we reversed any applicable fees. 

We apologize for any inconvenience this may have caused you, and thank you for being a valued Chime member. 

If you have any questions, please contact us by phone at XXXX ( XXXX ) XXXX or by email at XXXX. 

Sincerely, Chime Disputes Team XXXX Chime. All rights reserved. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Banking services provided by XXXX XXXX XXXX, XXXX. or XXXX XXXX, XXXX, Members FDIC. The Chime XXXX XXXX XXXX is issued by The XXXX XXXX  or XXXX XXXX  pursuant to a license from XXXX XXXX XXXX and may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. 
This email was sent to you because you have a Chime account. 
Your privacy is important to us. Chime will never ask you to share sensitive, personal information such as your PIN, your full social security number, or Chime login information over the phone, through text, or on social media. See our online guide to learn more about protecting your personal information. 

But my account is closed as of XX/XX/XXXX and XX/XX/XXXX after being treated like I didn't take the proper steps to take care of my identity filed police report filed for identity theft since XXXX chime made me wait so long. I've been the most trying to clear my name my balance importantly because if I owed money things would have certainly turned another route but it was vice versa and I lost so much time I can't and won't ever get back.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (AL)

AFNI a debt collection company located in Illinois reported a debt of XXXX dollars onto my sons credit AND ONTO MY CREDIT. 
My son XXXX reported them to the CFPB a month ago and AFNI responded and said the debt should have been taken off due to his bankruptcy. They took the debt off of his credit this past week. However the debt still remains on my credit and has not been taken off, In fact they reported it to my credit yet again after telling my son that the debt was not valid. 
In truth the debt did not belong to either my son or me, XXXX could not find any ( I said ANY ) evidence that the debt belonged to either I or my son. Despite what AFNI may say they have illegally reported this debt on both mine and at one time on my sons credit. I am demanding they take this off my credit ASAP. It had also better not roll back onto my sons credit. If this issue is not resolved in full that means the debt goes off my credit and my STAYS off of my sons credit they will be sued for damages. 
This company has a long track record of under handed tactics, I am no push over and I will not tolerate this game AFNI is playing with by my sons credit ( an expectant father ) and my credit ( a senior citizen ), I HAVE LIVED AT MY ADDRESS FOR OVER 20 YEARS. XXXX HAS NEVER BEEN AVAILABLE AT MY ADDRESS IN THOSE 20 YEARS. MY SON HAS AN ACTIVE XXXX ACCOUNT. HOW CAN WE OWE XXXX?
Consumer complaint received 2024-10-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: AMERICAN EXPRESS COMPANY (OK)

I called American Express to get more information on a CD. During the call I was told everything could be done quickly and easily online.I specifically asked about interest distribution to my savings and was told everything can be completed online. So XX/XX/year> I opened and funded my CD online quicky found out I can't set up the interest to savings online. I talked with amex supervisor XXXX who said it's not possible I have to print a form, fill it out, scan it, email it back. I have multi CDs and most banks can handle this with a simple call or even a simple online setting. At that time I asked to just close it being that it's only opened a few hours.XXXX  advised I would have to pay a {$500.00} penalty. I was given inaccurate advise which shouldn't cost me XXXX. I feel they are using deceptive business practices to being in new costumers who can't leave without punishment.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

Upon being denied from a lender for " too many inquiries '' from XXXX report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason 1. XXXX XXXX date XX/XX/XXXX 2. XXXX date XX/XX/XXXX 3. XXXX date XX/XX/XXXX 4. XXXX XXXX date XX/XX/XXXX 5. XXXX date XX/XX/XXXX 6. XXXX date XX/XX/XXXX 7. XXXX XX/XX/XXXX
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent Transunion a copy of a settlement agreement between myself and XXXX where XXXX agreed to remove all XXXX cards from my credit report. Transunion has refused to do so. They are now reporting XXXX as having XXXX missed payment, from an account that 's not supposed to even be reporting. XXXX is also reporting again when both the Consumer Financial Protection bureau and Transunion have a copy of the settlement agreement. These accounts are not mine. XXXX is reporting and this is an account I neither opened or authorized. Finally, there are XXXX fraudulent credit inquiries reporting on my credit that should n't be there. I sent in the required, notarized statement that these are unauthorized inquiries as well as a police report, yet they are still reporting these inquiries. They are as follows : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NE)

I am  a  XXXX  yea r vet of the  XXXX   XXXX  with  XXXX  guaranteed incomes, recently retired from my  XXXX  job/career and applied for a  Chase Freedom  Unlimited Credit Card. My only negative is a paid in full Chapter  XXXX  bankruptcy that was done  in  XXXX .it  is set to fall off my credit reports this year. I was declined   XXXX   by  XXXX  and then  XXXX  even after contacting both customer service pages on  XXXX  and  XXXX  and being told to call back in. If this is h ow Chase c ares about vets it is truly disappointing. I even asked for a lower limit to start off with as this what I understand to be great company and great card to have. My wife who has the exact same " young '' credit history was approved ( minus the bankruptcy ) so I tend to feel this has more to do with ageism as I am   XXXX  year s her senior and less to do with " insufficient credit history since bankruptcy ''. I have  XXXX  debt,  XXXX  credit  card,   XXXX    years positive  rental reporting and a remaining positive a car I bought  XXXX  years ago on my  XXXX . I am very saddened that Chase does not value this countries veteran 's more and enough to give them a chance for their service when they have  XXXX  guaranteed incomes and a recent " young '' but  XXXX  percent payment history.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: National Asset Direct, Inc. (AZ)

Summary : iServe locked a rate for us and when interest rates went up they would not honor the 3.875 % locked rate. 
We worked for months with iserve to obtain a refinance on our home. We were not taking money out. In fact, we were putting money in and financing less that the previous loan, which had a balloon payment due XX/XX/XXXX. We started the process in XX/XX/XXXX. We started working with XXXX a " Senior Loan Officer ''. He had some sort of falling out with iserve, and we were restarted in XX/XX/XXXX with a new office and only had contact from a loan assistant, XXXX, for the first 2 months. They claimed they did not have any of the documents I had submitted to XXXX, and the whole process was started again. Despite how slow things were going, at least XXXX would return phone calls and emails when I asked for updates on the process. XXXX also had a problem and left iserve, at which time XXXX, a " Branch Manager '' took over communicating with me. It took until XX/XX/XXXX for them to make any progress, and we finally locked our rate at 3.875 % on XX/XX/XXXX. We were flexible all along with the loan amount. We started out asking for the complete amount owed, about {$250000.00}, but later were told we could qualify for a {$200000.00} loan and we would bring approximately {$50000.00} to the close. They knew I had other available funds and was flexible on how much I could bring to the close. All along I left multiple phone messages and email requests for updates from XXXX. She would go silent on us for weeks on end. She said she had ongoing family problems. Our problem was that everything was moving so slowly, and after the rate was locked I could not get in touch with her for information on the planned late XX/XX/XXXX close. She finally told me by phone that this loan would n't work. I asked if we could qualify for a lower amount. She said she would check on that and get back to me. I was never able to make any contact with her again, not by cell phone, office phone ( no one would answer the office line ), not by text message or email. Interest rates had a big bump up after the early XX/XX/XXXX presidential election and we believe that iServe did not want to honor the rate lock and so refused any contact with us. We had to start the process again with another company. I started the process with the new company in mid XX/XX/XXXX and we closed on our loan with on XX/XX/XXXX at an interest rate of 4.25 %
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I purchased a jewelry item in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX, but Capital One posted it to my account on XX/XX/XXXX for an amount of {$2400.00}. As a result of this I lost US {$100.00} because of the conversion since the XXXX currency became stronger. When I called them to complain about it after noticing the transaction the first time in XXXX they said I should talk to the jeweler. The jeweler said that they had sent the transaction to Capital One immediately. When I called Capital One today I was told that they would do nothing to reimburse me for my loss in the conversion. I first talked to an agent who said he could not help. Then I asked for the manager and she was downright rude and unpleasant. I seek the help of CFPB for investigating this matter and recovering my compensation. 
Thank you.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (NY)

On XX/XX/XXXX i received a alert of my XXXX that US Bank pulled my report, i did not authorize this and no where on their checking application was their a disclaimer that they would hard pull my report this companies practices are very unethical and have hurt me by dropping my credit score and that will affect my interest rates, no one at US Bank is willing to help and the customer service is the worst i have encountered in my 30 years of life, there are no words i can think of to appropriately use to express my anger with US Bank.
Consumer complaint received 2023-08-02
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (GA)

I am making a dispute against IC syste m, Inc in a resp onse to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices A CT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This a ction constitute fraud under both  Federal and State Laws.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (SC)

A XXXX credit card was opened in my name with a {$4800.00}. Limit. It has since been over limit to over {$6000.00}. I learned of this through CREDIT Karma app. I also have XXXX dings. From collection companies that I have No idea about. I did have a bankruptcy several years ago but that information should 've fallen off by now ...