davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been denied by over 160 rental applications. XXXX, TransUnion and XXXX  are attacking me and forcing me to live in the streets and in XXXX   shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in 1995. When I left high school in 1995 my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
Consumer complaint received 2018-10-16
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (CA)

On XX/XX/XXXX my mother received a notice of default from XXXX XXXX XXXX. formally none as XXXX XXXX now known as XXXX. Document # XXXX. Case # XXXX. At that point my mother requested a HUD Critical Circumstances Extension Qualification Approval. She  was soon Granted this request by HUD And I will provide and upload the original approval letter as well the transaction history sheet. They XXXX XXXX XXXX XXXX  still proceeded to sale my mothers property at public auction to XXXX XXXX XXXX, XXXX on XX/XX/XXXX a complete illegal and breach on contract because with the HUD critical circumstances extension being granted and valid through XX/XX/XXXX in witch this sale was recorded on XX/XX/XXXX. I am an authorized representative of my mother this I had to go through multiple channels for them XXXX   XXXX XXXX XXXX to admit and rectify there broken contact and wrongfully saling my mothers property at XXXX XXXX XXXX XXXX, CA,XXXX They informed me that the sale was recanted and that we had a repayment date of XX/XX/XXXX but they didnt give A payoff figure owed. The title company escrow officer XXXX XXXX/ XXXX XXXX have faxed over the proper request documents for the payoff first document was received by XXXX  on 1XX/XX/XXXX with a seven day processing time. Then a second payoff request was received by XXXX on XX/XX/XXXX. I was informed on XX/XX/XXXX by XXXX XXXX XXXX XXXX representative XXXX ( I D ) # XXXX that received both requests for the payoff amount and that the second request was a duplicate and that they had combined them and are to give the title company 1 XXXX XXXX XXXX the payoff. Please take into consideration that the house is in full contract and escrow and is due to close XX/XX/XXXX we have attempting to obtain payoff for nearly three weeks at this time and as stated I have a product ( the house ) to produce to the contractual party. If not by the end of escrow XX/XX/XXXX I could quite possibly acquire a lawsuit against me. My escrow officer, my estate attorney, my real estate agent and myself have diligently and patiently attempted to obtain what should be a simple business request and have been denied all attempts. I ask please that you help me in this urgent and most high matter of importance. Thank you so very much. Sincerely XXXX XXXX XXXX.
Consumer complaint received 2018-10-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.
Consumer complaint received 2018-10-16
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

There are 3 loans reporting on my credit report in the amount XXXX, XXXX and XXXX. They are reporting 90 days late when these loans were suppose to have been in deferment. Ive spoken to several representatives about this issue and nothing has been done about this inaccurate information being reported on my credit file.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AL)

Bayview keeps writing to me about my past due payment. I made a payment arrangement for the payment to come out on XX/XX/2018. But somebody took out money they wasn't suppose to and caused it to bounce. Bayview doesn't need to keep writing to me constantly because I know the payment is behind. But I have made two payment arrangements for XX/XX/2018 and on XX/XX/3018.  I have also requested for my payment to be lowered. But i haven't heard anything back from them.
Consumer complaint received 2018-10-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Recently XXXX XXXX  XXXX wrote back to me, and addressed my concern about a false paid charge-off account in my name and I was told to forward that letter to XXXX and Equifax ... XXXX  and Equifax still will not remove or correct it ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX   verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I applied for a credit card with Chase Bank, and last Saturday, I was instructed to visit the local branch to complete the application process. Upon arrival, after identifying myself, the branch manager approached me and asked me to leave the premises immediately. The manager threatened to call the police if I didnt comply. This incident was extremely distressing, and no valid reason was given for this treatment. 

Shortly afterward, I received a notice from Chase informing me that I was banned from calling or visiting any of their branches. The notice also stated that my account was being closed. However, the notice contained significant errors, including misspelling my name, no address there raising further concerns about the accuracy of their actions. 

I have not been given any explanation for this treatment or the account closure. Given that Im now prohibited from contacting the bank via phone or in person, Im unable to get clarification directly from them. 

I would appreciate your assistance in resolving this matter and understanding why Ive been treated this way. Thank you for your attention to this issue.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-16
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. (ID)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Equifax, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I made a cash advance of {$100.00} in mid XX/XX/XXXX. It had a promotional rate of 0 %. Between XX/XX/XXXX and XX/XX/XXXX, I made double payments, but, the {$100.00} was not paid off. I inquired about this in XX/XX/XXXX. I was given an explanation about how payments were applied. I was then told that if I pay the minimum payment + the remaining cash advance balance, it would be complete. I asked why that had not already been done with my double payments. I still don't have a good answer. 

I asked that my payments be reallocated to satisfy the balance. The very next month, the line item on my statement showed no balance in the cash advance line. This  confirmed for me that the balance had been resolved. Fast forward 6 months. 

For my statement with a due date of XX/XX/XXXX, an amount has resurfaced in the amount of XXXX in the Direct Deposit and Check Cash Advance line with interest of .81. I have not requested another Check Cash Advance. Upon inquiry about this amount, I was told it was the same one from a year ago. 

I asked why this amount has not been appearing on my statements. I have not been given an answer. This looks like Bank of America tried to hide the amount in an effort to charge me interest without my knowledge. This also looks like Bank of America purposely chose not to pay off this small amount in order to find any and every opportunity to charge me interest. This is fraudulent. 

I keep being given the explanation that I should pay the remaining amount of the cash advance + the minimum payment but it was never applied when I was making more than the minimum payment. This was a small amount that should have been paid off long ago. I am being misled by Bank of America.
Consumer complaint received 2018-10-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

i have attached documents from XXXX XXXX and XXXX XXXX detailing my situation. 
also i enclosed my letter detailing my complaint. 
i paid off my XXXX XXXX account on XX/XX/XXXX. 
in XX/XX/XXXX XXXX XXXX they report to experian a charge off of the remaining balance. 
there can not be a charge off as there was a XXXX balance this bogus charge off is preventing my wife and i from getting a mortgage
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (KY)

On XX/XX/2018, I called the Citi Card customer service line to inquire if a payment had been made on my account. The automated system said my account had been closed and a payment of the balance of {$7800.00} ( and change ) paid. I did initiate the payoff, but have not requested by phone or mail for my account to be closed. 

On XX/XX/2018 I called the customer service line and requested to speak to a representative to have my account reinstated. I was told the account was closed by my request over the phone, but they could not provide proof of the automated or recorded call. The representative said the notes were confusing and they would have to get a second level supervisor to review. I stated I had not requested my account be closed and I wanted it reopened. He said they would research and get back to me, they may have to pull my credit to reopen. 

Today, XX/XX/2018, I received a letter saying the balance has been paid and my card closed. Again, I wanted the card left open and not closed. 

I am have been working to rebuild my credit and am concerned on how this closure will negatively impact my credit score. 

Please advise if you need more details. 

Thank you, XXXX XXXX
Consumer complaint received 2018-10-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I pulled a copy of my credit report from all three credit reporting agencies and was scrubbing for inaccuracies when I notice that the balance Bridgecrest have been reporting was not correct. I called the company to inquire about my account balance and the method which they used to distribute the principal and interest and was told that everything looks good on their end and that my loan is a simple interest loan which incurs daily interest. I asked if they have hidden fees and was told No they do not. Dissatisfied with the answers I got, I asked for an updated statement of my account activities which Bridgecrest sent me two days later. I carefully went over the document and noticed a trend in the distribution of principal and interest. Instead of gradually declining ( Interest Payment ) and increasing ( Principal Payment ) the numbers keep jumping back and forth, which is highly unlike the result of simple interest equation. I got with my financial adviser to look over the statement, Contract and my account and upon revision came to the same conclusion that the numbers are not adding up. I called Bridgecrest after my talk with him and got connected to the Military department where I spoke with a lady who gave me the same spill about my interest is calculated on a daily basic and nothing is out of the ordinary. I then realize that I would not resolve this without a third party. Also, I noticed that my first Bi-weekly payment all went to interest.

In addition, I also compared the balances from statement with all three of credit report and notice that they did not match.
Consumer complaint received 2018-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (VA)

I had my loans through GreatLakes.org initially. It has recently transferred to XXXX. 
It's been 10 years since graduation and I have been paying faithfully every month. At no time was I told about the Public Service Loan Forgiveness Program by my lenders and they never mentioned consolidation of my loans until I phoned and asked. 

About 5 years ago, I tried to apply for PSLFP with Great Lakes and was told I did not qualify. They did not offer to consolidate my loans of inform me of any of the terms of the program. I thought it was a scam! 
Recently it came up in our office again and I reapplied and got my application forms filled out by my employer and sent to XXXX XXXX. When I followed up with a phone call they told me I needed to consolidate and this would set the clock for 10 years from now! 

I am nearly finished paying my loans, but it would have been nice to have that information 10 years ago when I graduated. Hope this helps.
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK LETTER ( ATTACHED ) DATED XX/XX/XXXX. CHASE BANK HAS INTENTIONALLY DECEIVED, INTENTIONALLY MISLED AND INTENTIONALLY IS ENGAGED IN DECEPTIVE BUSINESS PRACTICES AS CONFIRMED IN THIS LETTER. THE ISSUE AT HAND IN THIS LETTER IS THAT CHASE CLAIMS A BALANCE DUE AND OR AN ACCOUNT IS OVERDRAWN. 

I HAVE ATTACHED 3 PIECES OF EVIDENCE FROM CHASE THAT CHALLENGE AND DISPROVE CHAS CLAIM : 1. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT AND ON XXXX/XXXX/XXXX CHASE PROCESSED A CREDIT DDA CHARGE-OFF FOR {$39.00} THERE WAS NO BILLING AND OR COLLECTION ATTEMPTS TO WARRANT A CHARGE-OFF, YET CHASE DID. BALANCE CLOSURE OF XXXX. 

2. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT THE FINAL DIRECT DEPOSIT FROM THE UNITED STATES TREASURY WAS RECEIVED ON XX/XX/XXXX WITHDRAWN AND CLOSED ON XX/XX/XXXX. BALANCE CLOSURE OF XXXX. 

3.A CHASE BANK BRANCH RECEIPT DATED XX/XX/XXXX. THIS RECEIPT WAS GENERATED BY A TELLER AND SHOWS A BANK ACCOUNT BALANCE OF XXXX. 

4. CHASE PROCESSED A CHARGE-OFF WITHOUT THE LEGAL REQUIREMENTS TO PROCESS A CHARGE-OFF. 

5. CHASE BANK 45 DAYS AFTER ACCOUNT WAS CLOSED ON XX/XX/XXXX BILLED FOR A CHARGE-OFF, CLAIMING NOW IT WAS A BALANCE DUE. 

6. THIS IS AN ACCOUNTING AND TAX BENEFIT THAT CHASE RECEIVED QT 4 XXXX AND QT 1 XXXX A LOSS THEN REVENUE. A VIOLATION OF THE SEC RED FLAG RULES. 

7. CHASE MOST LIKELY CREATED THIS SCHEME TO DECEIVE AND CAUSE FOR CONSUMERS A CHARGE-OFF TO REPORT TO CREDIT REPORTING AGENCIES TO JUSTIFY A CLOSURE AND REPORTING. IT ALSO IS A RETALIATORY ACTION TO INTIMIDATE OR CONFOUND CONSUMERS
Consumer complaint received 2024-09-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (PA)

XX/XX/year> Amount : {$2000.00} Paid : {$1400.00} Owe : {$600.00} Problem : Amount keeps being raised. Different answers/responses everytime I call in. 

I am an adult, XXXX, on XXXX and my mortgage company is trying to take my home. I am raising a young man who is XXXX. The house I live in is my mother 's. The company I am dealing with has many complaints from homeowners, Shellpoint Mortgage Servicing. With every phone call, I am given a different higher amount owed to save my house. I got behind three payments after XXXX. One letter has them charging me their attorney 's fee! I've since paid {$1400.00} trying to catch up. But I'm told, it's {$600.00} more, then {$900.00} more. Feels like a predatory mortgage company/debt collector. Please help me. I've even been told that their system is down, " so, everyone is getting different amounts owed all the time. '' What kind of mortgage company??? I am frightened.
Consumer complaint received 2019-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (TX)

Sadly, AAFES never responds to my inquiries unless I file a complaint with the CFPB. 

My alleged debt ( will be disputing what was collected ) has been repaid. I am attaching a copy of my final statement. The final payment was made when my income tax return was off-set for {$1300.00}. I contacted AAFES by email on XX/XX/XXXX, requesting verification that it had contacted XXXX ( my employer ) to stop garnishing my military retiree pay. My retiree pay has been garnished since XXXX. 

This unprofessional company - AAFES did not/has not responded. I received my military retiree account statement for XX/XX/XXXX. AAFES is still garnishing my pay. 

AAFES also illegally assessed a {$17.00} " payment fee '' ; this is in violation of Federal and State laws as unfair fees. 

My request is simple, AAFES needs to notify XXXX to stop garnishing my pay for an alleged debt that has already been repaid soonest! I am also owed a refund in the amount of {$280.00}, the amount that has already been sent to AAFES for the month of XXXX, for a debt that has already been repaid.
Consumer complaint received 2024-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I made a deposit in XXXX, XX/XX/year>, it was through their mobile app. They immeditaely placed the funds on hold and won't release them to me even though I have made several pleas to them so I can purchase my life saving prescriptions, pay my bills, and buy food. 

I now risk being XXXXXXXX XXXX XXXX facing eviction, and having my kids starve.
Consumer complaint received 2019-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I received an email from Equifax several weeks ago, advising me to enroll in their " Boost '' program, which, according to the email, would raise my credit score. I completed the information requested, and my credit score DROPPED 47 points immediately. I have contacted Equifax, and was told they are unable to tell me why this happened. All they wanted to do was to sell me a copy of my credit report. There is NO reason my score should have dropped. It went from XXXX to XXXX in a matter of minutes, with zero explanation. Can you help me find out what is going on? 
Thank You.
Consumer complaint received 2023-08-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act Capital One has violated my rights under 15 USC 1681 section 6O2 states I have the right to privacy. 15 USC 1681 section 6O4-A Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.