davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America issues introductory rates of 0.00 % interest. They would show that interest rate and expiration date of that rate in a certain part of the page when viewing your transactions. Near the end of your introductory rate that effected all purchases, they would offer 0.00 % on balance transfers. They would stop showing when the 0.00 % expired for the first period and only show the second period. The only problem to me is that this is on the exact same part of the page that previously showed the introductory rate. This seems like an unfair and deceptive practice. I was charged interest because I thought that the introductory rate was still on that part of the page.
Consumer complaint received 2024-08-13
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. (NV)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

In XXXX of XXXX Carrington mortgage lost a postal money order that was sent with another money order along with payment coupon in the same envelope. When I contacted them after checking my account information online they said I had only sent a partial payment and put my next payment into a suspense fund. An employee told me when I called that they would research this and get back to me. That did not happen, when I called again later that week I was told it would take 30 days to research this and that they would let me know what the findings were. I was told not to make a payment until this was resolved. I have been told week after week that they were still researching the missing payment. This could have easily been resolved if they would have just said they lost or misplaced the payment as I could have easily gotten a refund from the United States Postal Service and resent the money order. From XXXX till now I have still not received any resolution. This has been going on for over 90 days, this company has ruined my credit in the mean time. I called and asked what I could do to get this resolved and I was finally sent a payment coupon for the amount of {$7100.00} to bring my account up to date. The payment coupon was for XX/XX/XXXX.This was the first correspondence that I have received from this company in months. The day I received this I also received foreclosure papers from the Sheriffs Department. When I called to find out for sure how much would bring my account up to date I was told {$7100.00}. Today I was checking my account online only to find out that they have taken money that they put in a suspense fund and now they say that I owe another payment. I was told all fees would be in that {$7100.00} and my payment would be up to date until XXXX XXXX. Now I was told that is not the case. This company seems to make up its own rules as it goes along. A representative named XXXX asked me to fax all the information that I had, I documented phone calls copies of the money orders and the people I have spoken to, I faxed this information to her XXXX/XXXX/XXXX. All of this information has been faxed to this company 4 previous times. I have lived in this home since XXXX XXXX, XXXX. I would not have done anything to have put my home in jeopardy. I have not had any problems with any of the mortgage lenders I have had before it was sold to this company.
Consumer complaint received 2023-07-29
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. (FL)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (NC)

I have a loan that I defaulted with XXXX XXXX XXXX. My account is being sent to different collections agency. I was making payments with a collections agency than my account was sent else where with out notice. Now my loan is with XXXX law. In a response they stated that they received my account on XX/XX/2015. But on XXXX XX/XX/2015 I received a letter from XXXX that they had my account and was receiving phone calls from them up until XXXX XXXX 2015 and I filed a complaint against them and they never responded until the account was with XXXX. I do n't understand why my account keep getting passed around so quickly. I did n't received notice from XXXX until XXXX XX/XX/2015. As I stated previously I 'm unemployed and I 'm actively seeking employment. I can only pay about {$25.00} until I 'm employed. Once employed I 'm more than willing to pay more. My co signer is also unemployed and is leaving on a fixed income. He has medical bills he has to pay because he had XXXX XXXX and had to get it removed he also had XXXX more XXXX after the initial XXXX. He was in the hospital for almost XXXX months. I was paying on my student loan up into XXXX. I called the previous company and it took them XXXX weeks respond to let me know they were no longer in charge of my loan. I finally contacted the people who had my loan through XXXX they told me to call a number. I called the number several time and did n't get a response I later found out the company had changed it 's name. I also have medical problems and have to take XXXX medication which I have to pay out of pocket because I do n't have any health insurance and have to see doctor regularly and have to pay out of pocket. So the money I have left is about $ XXXX- {$30.00}.
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

On my account ending in XXXX, I have opted out for and and all courtesy overdraft protection options XXXX ATM & Everyday Transactions - Checks & All Other Transactions ). On XXXX/XXXX/2015 my available balance was {$31.00}. On XXXX/XXXX/2015 a payment in the amount of {$300.00} was posted ( POS AUTH XXXX XXXX Auto Finance XXXX ) I do not understand, if I have opted out of these services, why this payment was authorized. This also generated a NSF on my account in the amount of {$38.00}.
Consumer complaint received 2016-03-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (AL)

This company has continuously called me during work hours and I am a teacher. This company has also disclosed my bill information to family members without me giving consent to disclose this information. My family members have expressed that company have continuously called and asked about my bill to them while they were paying their bills. This company is Credit Central of XXXX, Alabama. This company is by far the worst company that has ever receive my business.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (KY)

XXXX 2015 Citibank charged over {$5000.00} to a local merchant. The merchant did n't use my name, number, security code or zip code. I called Citibank as soon as I saw the statement and was told they were closing my card, filing a fraud investigation and issuing a new card. I contacted the merchant, who was extremely confused, for the reasons stated above. Fast forward to XXXX 2015 when Citibank STILL wo n't remove the charges, and wo n't tell me why. Every time I talk to them, it 's " XXXX business days '' ... the merchant has attempted several times to run it thru as a credit to be posted, but Citibank does n't accept it. I am at my wits ' end.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

I am having a bear of a problem with Equifax. Back in late XXXX, I sent them a letter asking them to investigate mistakes that appeared on my credit report with their organization. From what I understand, they are supposed to respond within 30 days. I have sent them a bunch of letters asking for a response, but Equifax just does n't respond. I just do n't know what the problem could be.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Supporting documentation that my express account should be reporting in accounts that are satisfactory. Right now it is reporting as potentially negative. This letter is from my XXXX credit card account supporting documentation that the XXXX credit beaurous need to change the status to positive instead of accounts that are negative.
Consumer complaint received 2016-07-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Northstar Location Services, LLC (CA)

I requested copies of all documentation on file. All I was sent was the cover signature sheets that show XXXX disbursement amounts and they provided zero documentation showing billing proof of record from XXXX XXXX University or the original contractual agreement from XXXX XXXX. I feel there is some seriously fraudulent activity going on here and I am requesting help from the CFPB to review NorthStar, XXXX and XXXX XXXX University. I reached out to XXXX XXXX University and they only provided XXXX document showing XXXX disbursement on the form. They have no others on file which means the additional are fraudulent and need to be removed unless they can provide me the correct information to support it.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AES/PHEAA (FL)

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Education Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Consumer complaint received 2017-02-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

On XXXX/XXXX/XXXX I faxed XXXX affidavits regarding XXXX unauthorized debits to my Suntrust savings account. 
I also called Suntrust on XXXX/XXXX/XXXX regarding XXXX unauthorized checks debited from my savings account and was provided with XXXX case numbers. On XXXX/XXXX/XXXX I received 2 letters informing me of credits to my savings account from XXXX of the unauthorized checks. On XXXX/XXXX/XXXX I took the XXXX affidavits that were mailed to me to a Suntrust branch to have them witnessed, notarized, and interoffice-mailed from the branch. On XXXX/XXXX/XXXX my savings account was credited for the XXXX checks associated with the XXXX affidavits. 
The remaining check amount of over {$2000.00} has not yet been credited back to my account. I never received an affidavit for this claim made by me on XXXX/XXXX/XXXX. I have called Suntrust fraud department 8 times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding the status of the remaining claim. On 6 of those calls I was told that the claim is still in process, that the case would be escalate, that I would be contacted by phone or email with 72 biz day hours, and on at least one of those calls I was told that an affidavit was not required at that time. I have not been contacted by Suntrust by any method regarding this final claim. On my last call today ( the first call was dropped after being put on hold ) after I advised the associate that I would report this situation to CFPB, the media, and/or upper management, I was advised that an affidavit would be sent regarding the claim.
Consumer complaint received 2015-08-07
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (IL)

Hi There, Thanks for the giving an opportunity to represent the issueI transfer money through the WESTERN UNION on XXXX/XXXX/2015 to my family in XXXX. 
It was direct to bank transfer. 
The receiver did n't received money and i request for the refund, even they did n't refund my money. I provide them all the evidences they wanted e.g. banks statement of receiver 's which does n't show that money was credit. 
Humbly Request your office to look into it, hoping for the justice on the issue
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Hunt Leibert Jacobson, P.C. (CT)

Hunt Leibert Jacobson P.C. ( HL ) has filed a foreclosure complaint in the XXXX Ct Superior court without the validation/verification required by the FDCPA, which was clearly requested by me, a defendant. In the summons they attached a letter stating they would not proceed until validation was given. They went ahead and have filed suit, months have passed with no validation. In a previous foreclosure on the same mortgage the court ordered the same plaintiff to file a new complaint and SHOW INTEREST. They have filed the complaint without showing interest. Per FDCPA the mortgage and note were rescinded and the rescission recorded on the land record in 2009. Plaintiff knows this from being served the rescission and from the previous court case that they withdrew. The supreme court is clear that the Federal Statute renders the mortgage and note void, and that disputed or not, it stands. TILA is clear a suit must be brought within XXXX, to dispute the rescission. HL and its attorneys are using the court to steal a property, knowing the mortgage and note have been void for years and further ignoring their letter that nothing would go forward without validation. Validation is legal impossibility with rescission. Foreclosure is a legal impossibility with a void mortgage and note. 
Connecticut requires a foreclosure case to move every fourteen days, the case is sitting there with no activity as there is no validation and no interest shown as required by the court. 
HL will probably file a default and a motion to foreclosure for failure to plead on the part of the defendants, when the plaintiff has not complied with federal statutes. Defendants should not have to plead when HL said it would not go forward with the case. I can not be in default on a void mortgage.
Consumer complaint received 2015-10-26
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (MI)

I had a payment schedule set up with checksmart. They kept presenting my check to the bank. Cost me numerous fees and now my account is overdrawn significantly. Called corporate office of checksmart. Reps were demanding, condescending and rude.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (PA)

This company continuously miscalculates escrow and did n't pay the tax bills I sent to them until I reached out to them 3-5 times. To this day, I have sent XXXX tax bills and only XXXX was paid with my initial request over a month ago. The XXXX tax bills exceeds the escrow amount so I asked that it be increased or recalculated. Instead, they decreased it. Their customer service is usually awful, and people usually have no clue what I 'm even talking about.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I received a promotional email informing me I would receive bonus points if I used automatic debit/credits and online bill pay. The points owed for the bill pay were never applied. A visit to a branch was unable to resolve this and I had to get on the phone. The representative informed me I was ineligible on a technicality that was not outlined anywhere in the promotion. I submitted the email promotion and email with support on the topic both of which substantiate what steps I needed to take to be eligible. After 11 days I emailed back to request a status update. The next day I called again and was told it would be another XXXX3 business days before I receive a response. The points were due over a months ago.
Consumer complaint received 2016-09-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (NC)

I am a home owner in North Carolina and my rights to privacy have been broken by RoundPoint Mortgage service. They called my place of employment and gave out my mortgage payment information to my co-worker which is a direct violation of the law. They have also been reporting to the credit bureaus inaccurately that I am behind on which I never have been. I have sent them documentation to prove then wrong and they refuse to make the correct changes to my report. I have never in 15 years of owning a home been late on my mortgage and now that I have been dealing with RoundPoint Mortgage the past year, they have gravely embarrassed me by giving out my private information and continue to report to all XXXX credit bureaus inaccurately. I have tried countless times to speak with management their but they refuse to contact me back. Only until XX/XX/2016 I contacted XXXX who owns the rights to my mortgage did they finally say they would handle the situation. I do not believe they will.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (WI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Consumer Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XXXX This complaint is filed to request that you, Experian credit reporting agency, block information appearing on the consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B and 605C ( 15 U.S.C. 1681c-2 and 1681c-3 ).

This fraudulent, inaccurate, and false information consists of : A credit card account opene
d at XXXX XXXX XXXX with account number # XXXX A XXXX XXXX XXXX XXXX account opened on XX/XX/year>, with account number # XXXX A late payment account at XXXX XXXX XXXX  opened on XXXX XXXX with account number # XXXX These accounts have resulted in several fraudulent charge-offs appearing on the consumer XXXX credit report. 

I have attached a list of the fraudulent accounts and late payment in question, as well as a copy of the consumer XXXX  credit report maintained by you showing the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, charge-offs, or late payment as reported. These accounts, charge-offs, and late payment were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, and late payment are the result of identity theft and fraud. 

I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, and late payments are the result of identity theft and fraud. 

Please send written confirmation of the actions taken to address this matter. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.