davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SERVICEMAC, LLC (TX)

I own a 4plex and fell beind during covid due to my renters not being able to pay rent in which that caused me to fall behind in my mortgage due to covid and business 's closing or people losing jobs and so on. I contacted Service Mac and asked for a forebearance to help me with my situation and they stated that I would have 3 months and it could be extended 2 more times past the first 3 months. They only honered 1 month of that and I never received any documentation from them that I needed to reapply at any time or after the 3 months. I received no phone call or letter in mail nothing. I thought I was still in the workout plan and waited on documentation or for a modification and called several times with no response back. I even tried to make a payment and it would not accept my payment online I then called back to mortgage company and they stated my officer would return my call which didnt happen. Then I received a knock on my door and it was from a investor stating they wanted tobuy my home that it was set for sale in acution for foreclosure. I then contacted morgage company again and they stated they would send me modification papers in the mail I waited past a week no papers, called back again they emailed me documents, I then filled out documents and returned them with only a few days until auction took place for mortgage company to tell me they would not review my papers due to not enough time before foreclosure sale happend. I did everything I was told by them never received any documents pertaining to foreclosure in the mail or certified mail at all. I never received any documents pertaining to anything about foreclousre and this servicer will not help me and the bank bought my house back that was my retirement. Ive had my home for over 15 years with no late payments ever until covid by no fault of my own tried to get help with this bank lying to me and not receiving fair help. Can someone from your office please help me with my situation as the sale is taking place and I need it to stop and have this business work with me, This is causing harm to myself, XXXX XXXX on XXXX and I cant afford to live without my income from my 4 plex to help myself. I am at a loss for the way this company has miss represented themselves and all paperwork and deed is not correct either. There are so many problems wrong with this foreclosure can I please get help, Thank you so much for your time and consideration.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My wife and I reviewed our credit reports and noticed we have XXXX XXXX listed on our reports. We have sent letters to the bureaus requesting info on who reported them to the bureaus. We specifically asked for METHOD OF VALIDATION. According to the FCRA, each bureau has XXXX business days to respond to a request for method of validation for a XXXX We have TWICE requested this information within XXXX months from the bureaus, and none of them have responded with this information. The bureaus have not demonstrated that they have properly validated the XXXX  information reported.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AXOS FINANCIAL, INC. (TX)

On XX/XX/23, I attempted to mobile deposit via AXOS bank, a {$5000.00} check from my grandma who banks with XXXX XXXX XXXX XXXXank. Their app was glitching, so I called their customer service and they were aware of it and said to mail it in of find an atm via their app. They dont own ATMs so I had to spend 3 hours running to 3 different ATMs to find one that would accept the check on their behalf. The third atm took it. 

XXXX I get an email saying my accounts been restricted. 

Several times after this I called and kept getting run around a saying oh its the check, they have to verify that its legit to oh I dont know why its restricted or who restricted the account. Every time I call they say its been escalated and I would be getting a call and to this day its been a complete utter lie. Zero calls zero results.

Ive had to have made at least 10 phone calls.

I can see putting a hold on the check itself but not the whole XXXX account!
Consumer complaint received 2024-03-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NE)

On XX/XX/2023, I made a purchase on XXXX for XXXX sweatshirts and a pair of athletic shoes. The purchase total was {$140.00}. The items were to arrive before XXXX. XXXX of the items were received before XXXX. The third item has to this day not been received. 

In late XXXX, XXXX announced it was shutting down operations. There was no way to contact XXXX, the phone number did not work, their website was not functioning. I reached out to the XXXXXXXX XXXX card company, Synchrony on XX/XX/XXXX and requested a detailed copy of my receipt as I was going to dispute the last item ( a sweatshirt ) not being received. 

Synchrony responded they would try to obtain the receipt and to allow XXXX days from the date of their letter, XX/XX/XXXX. In XXXX, I received a response that they were unable to obtain a copy of the receipt and provided a Billing Dipute form. I completed the form and used the XXXX XXXX message portal to submit my signed form on XX/XX/XXXX. 

I had not received an acknowledgment of my dipute after XXXX weeks so I used their live chat feature and inquired if they had received the dispute form that I had uploaded on XX/XX/XXXX. Their LIVE AGENT chat confirmed the dipute had been received and to allow XXXX  days for resolution. 

I have made payments on all but {$49.00} of the original charge. I've continued to be billed and accrue interest. In fact, after confirming they have my dispute, my payment is still due in XXXX  days. 

I spoke with an agent on the phone on XX/XX/XXXX, she claims they do not have any billing dispute from me except a 'dispute ' that was my request for a receipt.
Consumer complaint received 2023-03-12
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

In XX/XX/2023 I transferred my student loans from Nelnet to XXXX for repayment. After my loans were transferred to XXXX, Nelnet failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted Nelnet three times by phone to have this complete and even filed a dispute with Nelnet to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe double the amount of student loans when I have only one servicer for them, which is XXXX. I should not have an open account with Nelnet as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that Nelnet is failing to accomplish on my behalf. I filed a dispute on XXXX for all my Nelnet accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with Nelnet were transferred. 

I have already sent a complaint through CFPB. Nelnet responded with a letter stating that they have put a " suppression '' on my accounts and that once they evidence from the Education Department that my accounts should be closed, then they will take the corrective actions.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (FL)

Hi, I recently received email from XXXX offering me a 24 month Experian identityworks membership due to an XXXX data breach. The email says Ensure that you enroll by XX/XX/year> ( Your code will not work after this date. ) However, when I tried to enroll on XX/XX/year> I receive an Invalid Activation Code error. I immediately called the Experian customer service number XXXX and the Experian representative told me by XX/XX/year> meant I had to enroll by XX/XX/year> and there was nothing she could do for me. Clearly the terms of the letter includes XX/XX/year> and It was wrong for Experian identity works to deny my activation code and wrong for the customer service agent to fail to assist me. 

This complaint is being made on XX/XX/year>.
Consumer complaint received 2023-06-26
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. (FL)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MI)

It seems that banks like Chase who offer deals with their XXXX XXXX XXXX  are very discretely performing fraud with their customers. My husband recently experienced this same issue with XXXX XXXX. These banks request customers to sign up for " paperless '' billing and then claim to send notification via U.S. mail that they will be closing customer accounts due to prolonged inactivity. The fraud in each all of these cases more so appears to involve the customer 's unspent cash rewards balances. Once these banks very discretely close these accounts against their customer 's knowledge, they then claim that their cash rewards balances have been automatically forfeited. It is obvious at this moment that these banks are financially gaining from each of these events, and this can only be interpreted as intentional and unethical. In my case with this card, it was a " back up '' card I seldom used ; however, I religiously tracked the remaining rewards balance I had gradually accrued on the account. Today, I attempted to log into my account and now there is absolutely NO RECORD OR EVIDENCE of my card on my account- as if it never existed. Chase will falsely claim that they send forenotice of this, but this blatantly untrue in my case! I was never given ANY forewarning or advance notice regardless of what they claim they did in their systems. I truly believe these banks intentionally do not want customers to notice, as their true intent is to financially gain. As my family has now had this recently occur twice with two separate banks, I am fully convinced that banks are fully capitalizing on a " loophole '' the feel they've discovered. In this regard, I am certain banks such as Chase and XXXX  XXXX are knowingly, intentionally, and fraudulently performing these unethical acts and it CAN NOT be allowed to continue! I am hopeful that the XXXX can investigate how often this is happening, determine the revenue gain these banks are recouping at the direct expense of their customers, and ensure these banks reap the consequences they deserve for the exhibiting this ongoing, unethical behavior!
Consumer complaint received 2024-03-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Blackhawk Network Holdings Inc. (NY)

I received this card in XXXX because I had money on my XXXX XXXX account from buying at select stores and this was a rewards program. I was supposed to get a card with a balance of {$2.00} on it but when I went to use it today XX/XX/XXXX it showed a XXXX balance and no transactions. I even searched from XXXX of XXXX up to date and the card expires XX/XX/XXXX. The Debit card came from MyPrepaidCenter.com. I know it's not much money but I did earn it and it seems the company makes it almost impossible to file a claim for XXXX balances on new cards. That's just is not an option they offer anyone to choose from.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/year> I was denied application approval by company XXXX  XXXX completed application with illegal alien user name input to result in denial email message of red font indicating the request for a clear person of passing grade to correct illegal alien web-master. The webmaster is unable to understand that the customer has a three letter name than refused access to customer 's birth-given name account as an employed illegal alien. The alien group associates an illegal name with customers social security number signature three letter first name & surname issued perfect credit file by state government and bank system.
Consumer complaint received 2024-07-06
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: BMW Financial Services NA, LLC (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC (MA)

Have had my car loan through XXXX XXXX XXXX for a year. Through this time, it has always been through autopay. A payment was scheduled through automatic payments for XX/XX/year> as I pay biweekly in the ampunt of {$340.00}. I received a text on XX/XX/year> reminding from XXXX XXXX XXXX stating my regularly scheduled automatic payment was due on XX/XX/year>. The payment was not withdrawn even with this being an automatic service and with the funds available in there. On XX/XX/year> I received a text from XXXX XXXX stating my loan was sold on XX/XX/year> to Amerian Credit Acceptance ( ACA ) and that my autopay was canceled due to the company being sold. This was the first and only communication I have received about this transaction and still had not had any contact with ACA. I was able to get the phone number for them and called. In this call, it stated my name and information was in fact on file but my payment was past due as of XX/XX/year>. Even though I did not know my loan was purchased by them or that my autopay was canceled until XX/XX/year>. After speaking with XXXX different representatives, all located in the XXXX two of which are named XXXX and XXXX, I was informed that even with making my normal payment, they will not remove it from a past due status for reporting and that all they would do is waive the transaction fee for processing my payment. They also repossess vehicles even if you have on time payments or if you have a singular past due payment even if it was not your fault. I asked why I had not received any information for the past week about the purchase of my loan from the previous institution, let alone prior to purchase. The customer service and collections department supervisor XXXX stated they would have notified me but this did not occur at all. The previous institution which operated through XXXX XXXX has had countless phone calls from consumers with loans in the same exact situation as me. I can not make a payment to a financial institution, let alone on time, if I do not even know my car loan was sold or to whom it was sold. When I asked XXXX how can I pay my loan on time for XX/XX/year> if I did not even know ACA existed or purchased my loan until XX/XX/year>. The only response I was offered was " sorry '' and continued to argue that I had time to pay my loan before it's due date although it was purchased by ACA without my knowledge or being informed of the sale which is legally required, until a week after it was sold and after the due date had passed. Please help!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear CFPB, I am writing to bring to your attention a matter of utmost importance that has significantly impacted my life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and ensuring that justice is served. 

Violation of FCRA : Unauthorized Credit Inquiries ( Section 604 ( a ) ( 3 ) ( A ), Section 604 ( a ) ( 2 ), Section 611, Section 623 ) Account 1 : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX On XX/XX/XXXX, I discovered an unauthorized credit inquiry on my credit report made by XXXX XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed immediately. The unauthorized inquiry has had significant repercussions on my life. 

Account 2 : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Similarly, on XX/XX/XXXX, I discovered another unauthorized credit inquiry, this time by XXXX. Just like the previous case, I have no recollection of authorizing this credit pull, and I insist that it be removed without delay. 

These unauthorized inquiries have left me feeling violated and distressed. My financial history is personal and confidential, and I have always taken steps to safeguard it. To have my financial information accessed without my consent is deeply unsettling. 

These inquiries have unfairly affected my credit score, making it challenging for me to obtain loans, credit, and even basic financial services. Additionally, they have made it difficult for me to secure housing and employment opportunities, adding stress and anxiety to my life. 

I have initiated disputes with the credit reporting agencies, but I now seek your intervention to ensure that my rights under the FCRA are fully enforced. I kindly request that you investigate these matters thoroughly and compeXXXX XXXX XXXX XXXX XXXX  to rectify these violations. 

Furthermore, I urgently request the removal of these unverified inquiries from my credit report, as they continue to unjustly impact my financial standing. 

I implore you to consider the emotional turmoil and financial hardship I have endured due to these unauthorized inquiries. My hope is that through your intervention, justice will be served, and I can regain confidence in the credit reporting system. 

I kindly request your prompt attention to these matters and will provide any necessary documentation to support my case. Please keep me informed of the progress of your investigation and any actions taken. 

Thank you for your assistance in ensuring that my rights as a consumer are upheld and that the credit reporting system is held accountable for its actions. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp. (IL)

Hello Im reaching out for a case that I have already filed against Aspen financial. Previous case number- XXXX. 
This is not correct and I do not agree with what Aspen Financial responded with. They sent over information that could easily be auto generated with my information. This is identity theft. I have never opened any account with this company. I have never received any kind of information about this account until XXXX, which I quickly responded to as this took a major hit to my credit. The response from Aspen financial is fabricated and is fraudulent. 
I have asked where did the funds get sent if this was legitimate? Why has this never hit my credit until XXXX  if it was opened along time ago? None of my questions have been answered. Aspen Financial sent over documentation that is fraudulent and not mine. I would like this to be investigated more as this was not me who opened this account. Thank you.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc. (NJ)

Car insurance that they say I owe. Tried to make payment arrangements I could afford but they wanted more. Since this has not been resolved they have place this on my credit. I'm on a fixed income and can afford what I can. I want this collection removed from my credit report and I will make payments that I can afford to make. Please have them remove this from my report. 
Who are they to say what I can afford to pay?
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"