davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I cant reach the company. I have called 3 times so far. Each with over an hour wait. First time I was hung up on after giving the request. Second time noone answered and I had to go back to work after XXXX hour. Third time they claimed they could not hear me and hung up. 

I have also tried to find information on the website but this information is not available. I just need to review the interest accrual and forbearance/deferment periods. I owe over {$280000.00} according to Nelnet and I have no way to verify the number is correct. 

Every day is a significant amount of money and I can't get a hold of someone.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report and noticed I had inaccurate personal information on my report. 

The following information is inaccurate Phone Numbers : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies (MD)

I am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CT)

XXXX-loan # XXXX Docket # XXXX Law date : XX/XX/2017 I expected better from our " justice system '' but, I am not surprised at my outcome. There are businesses similar to Caliber Home Loan, Inc., in existence all over. They claim to be customer specialist but they are not. They prey on the short comings/ misfortune and zero finances to fight properly. 
In my opinion Caliber Home Loan , Inc., is no more that a collection agency that buys loans and services them until people make one mistake. That one mistake has caused me nothing but disappointment, frustration and XXXX. Paper shows that Caliber tried to work with me, but they really did not. 
I fought long and hard to modify my mortgage loan on my own, and then through Court Mediation. Week after week, month after month, the same exhibits needed to be redated, refaxed or remailed. In Court mediation myself and the Court appointed mediator handed off the paperwork to the Attorneys office representing Caliber Home Loan , Inc. and they saw that it was passed on in a timely manner. This process went on for a year or more and until recently I got defeated. 
I have every paper I ever sent to Caliber Home Loan, Inc. I was never sent a letter of rejection. They knew my credit worthiness and I feel they misled me. I have lived here 15+ years and am XXXX years of age. I apologize for being laid off but tried to quickly rebound and get back on board. I was told by Attorneys and others that mortgage companies do not have to work with people and I am sure that Caliber did not want to work with me. Now, I will join the homeless because I could have paid the modification ( which was to be through HAMP ) but Senior housing and regular housing are saturated. 
What do I want?? I just do not want anyone else to suffer this kind of unnecessary XXXX, XXXX, XXXX and XXXX from Caliber Home Loan , Inc. 
Thank you for your time and consideration.
Consumer complaint received 2023-04-15
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. (CA)

Consider This Complaint as a Follow-up to my previous complaint. My previous Complaint contains these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Re : Delinquency Notice / Civil Action Notice USPS TRACKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form XX/XX/219 XXXX. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

For approximately 1 year, I have been trying to get Equifax to resolve the problem that I have obtaining my credit report and credit score from them online through their own website and through annualcreditreport.com. Most importantly, I have been denied credit twice by two separate creditors because they could not access my Equifax credit report and score. Both creditors were able to obtain my XXXX and XXXX files with no issue. I have contacted Equifax on 4 occasions over the phone to resolve this issue. At my request, my calls have been escalated to supervisors and the fraud department each time. Equifax continues to explain that THEY can see my file and that there are no alerts and that my account is not blocked in any way. They then offer to sell me their online product/services. I have had to cancel their services twice because I am NEVER able to obtain my credit report or score. They 've had to refund money to me twice because I could not obtain the service online. They 've offered to send my report to me in the mail. However, this does not solve my problem if potential creditors are still not able to access my credit file. I have worked really hard to improve my credit and now can not get credit from car dealerships or simple retail stores like XXXX because they are not able to pull my Equifax credit file. I have verified my name, address and SSN to them verbally and I 've faxed copies of my ID and Social Security Card to them as requested. I still have no resolve.
Consumer complaint received 2017-04-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I used to have an account in the Bank of America. On XX/XX/XXXX, they did not get my permission to close all my accounts. I did not do anything wrong but just two months ago I was a victim of a financial fraud. But I reported this fraud as soon as possible and I did not have any loss on this fraud. But after two months, they closed my accounts without any warnings and refused to give me my money. I 'm just a student but I only have accounts in this bank, which means that I only have bank cards for this bank. I told me that I need my money right away because I need money to live and pay rents, insurance and other expenses. They ignored my requests. On XX/XX/XXXX, I called the customer service and I need the money right away and I can go get the money in person in the bank. On XX/XX/XXXX, I went to the bank and they told me they can not give me my money because they need to verify my account. I need to come back on next Monday ( which is XX/XX/XXXX ) to get the money. But on XX/XX/XXXX, I called the customer service, they just told me they can not give my money right away because they have already mailed the checks to me on XX/XX/XXXX. But I verified with the bank on XX/XX/XXXX and they told me they have not process my check yet. Why on XX/XX/XXXX they just told me they have already mailed the check on XX/XX/XXXX? And when I asked for the tracking number for my mailed check, they told me they did not have that and just ended the call! How can they be so rude when they did wrong and made me suffer the loss! Why did they give me any warning before that so I can have some preparation for that? Right now, I do not have any money with me to pay for the rent, insurance and other expenses just because of the bank of America! Also, the customer service did not answer my questions well and ended my call without helping me! As a student, I can do nothing but to ask for help from you! Please let me know what should I do to avoid suffer more loss or I just starve to death?
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company (FL)

Please reference CFPB submission # XXXX for reference. As Freedom Mortgage provided CFPB false information to force closure of the complaint. Prior report will be included. 
When CFPB previously communicated in reference to my demand for Successor in Interest status, they falsely stated the mortgage was both unrecognized and that no 3rd party authorization was in place. None of which are truthful. Freedom Mortgage did finally confirm Successor in Interest to myself, XXXX XXXX XXXX, however in name only. 
Today I received mixed contradictory information in the form of two letters, both dated XX/XX/XXXX. One to my deceased spouse and one to myself. Deceased communication stated he ( the deceased of 1.5 yrs ) must have a confirmed Successor in Interest and an Assumption of the mortgage is required for a loss mitigation workout. In direct violation of federal law. The second, addressed to me, was an acknowledgement of Successor in Interest status. However, it essentially stated the status only bestowed the title and allowed me to receive notices and communication but does not include the federally defined Successor in Interest rights. 
They purposely state that they maintain the right to foreclose, clearly included to intimidate me into assuming the mortgage. They are refusing to recognize my clear right to act as a federally defined " borrower '' for all purposes needed or that may arise. Demanding I assume the mortgage before allowing any loss mitigation, hardship or similar. 
They have had my house insurance claim funds and are holding them illegally ( over $ XXXX ). My husband has been deceased for over a year and a half. Freedom Mortgage has caused significant undue hardship for my household. Their actions have caused financial harm and have resulted in breached contracts to vendors retained to replace my roof. This has resulted in XXXX XXXX as the reimbursement funds are needed for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to Freedom Mortgage withholding mine and my daughter 's funds ( daughter XXXX is 50 % deed holder also ). 
I live in Florida and this significant delay and hardship may very well result in my home being uninhabitable, as a severe tropical storm is hitting me as I write this, and I have a roof with 60 % damage that will likely cause much more extensive damage then it currently has. 
Freedom Mortgage was served first notice of my husband 's passing XX/XX/XXXX. It took them FIVE HUNDRED and TWENTY-SEVEN days to confirm my Successor in Interest status. That is an unconscionable amount of time. They have further been in receipt of all house insurance claim information needed since XXXX of XXXX.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hi, I was a capital one banking customer ( XXXX XXXX before their acquisition ) for over XXXX years. Then out of the blue and without reason, capital one closed my accounts- via email that felt like a phishing attempt. 

I visited the local branch manager- was told they have no insight into the issue and to call the XXXX number for information. 

Multiple calls to their XXXX number yielded the same XXXX XXXX : we have decided to close your accounts. we have the right to close your account any time, for any reason. However, they have never cited a reason. I've attached the notification ( email ) and post-closure notices ( mail ). 

Account numbers : XXXX XXXX XXXX I would like to know the reason behind this sudden closure and what they think I did wrong. This is a XXXX XXXX for a financial institution and customer service.
Consumer complaint received 2023-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Manager of XXXX  XXXX XXXX, I hope this message finds you well. I am writing to address an ongoing issue regarding my account with XXXX  XXXX XXXX, which has been a source of concern since XXXX XXXX, XXXX. On that date, I took the initiative to settle my account by making a payment of {$800.00}, as per the guidance provided by your representatives. At the time, they assured me that within 30-45 days, the remaining balance would be removed from my credit report. 

Regrettably, despite my diligent efforts to resolve this matter, I have encountered significant challenges in achieving a resolution. It has come to my attention that XXXX has already removed the disputed account from my credit report as per our agreement. However, the other major credit reporting agencies have failed to update their records, continuing to report an inaccurate balance of {$1800.00}. This discrepancy is both perplexing and concerning. 

I am fully aware of my rights as a consumer, including the right to dispute inaccuracies directly with the creditor. In pursuit of a resolution, I have made numerous requests for documentation over the past few months, but unfortunately, these requests have gone unanswered. To clarify, when I settled the account, the outstanding balance stood at {$2200.00}, and I promptly paid {$800.00} as agreed upon. 

It is crucial to emphasize that the current situation represents a direct violation of my consumer rights. I hereby demand an immediate and unequivocal deletion of this erroneous account from my credit report. I believe this is a fair and just request given the circumstances surrounding our prior agreement. 

I kindly request your prompt attention to this matter, as it is negatively affecting my financial standing. I am hopeful that we can swiftly resolve this issue and rectify the inaccuracies on my credit report, thereby upholding the integrity of my financial history. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-01-09
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: TOYOTA MOTOR CREDIT CORPORATION (IN)

Purchased a new car- XXXX XXXX XXXX XXXX my credit and said it was XXXX. 
I had removed the freeze the day before because we were purchasing the car- they said they would try again put the freeze and turn off- t hat was on XXXX still XXXX they told me to call XXXX, I talked to XXXX on XX/XX/XXXX told to call back on XX/XX/XXXX talked XXXX said my XXXX was in the XXXX XXXX told me to call back on XX/XX/XXXX I did I talked to XXXX who sent me to XXXX filed a complaintXXXX XXXX sent me to XXXX who said has to be an error from Toyota not them. 
Spoke to XXXX XXXX Toyota XXXX who said no had to be XXXX. 
I am concerned as to how this happened and why they are both pointing fingers at each other- I received a letter from Toyota finance saying the credit score is XXXX on XX/XX/XXXX ( the day that XXXX XXXX XXXX it is XXXX ) We had to take the loan under my husband whose XXXX score is less than mine- this greatly concerns me if I want or need credit in the future- who did what wrong- this can cost me for loan percentage. It has been extremely frustrating - no one can tell me why when XXXX XXXX pulled the credit it was XXXX ( like a kid out of college with no credit ). 
I would like resolution on what happened and how to make sure it does not happen again. XXXX XXXX Toyota said they use a third party to pull reports- they also said good idea to report it so that you can figure out whose fault and what went wrong. 
Thank you
Consumer complaint received 2023-07-19
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (MA)

I applied and was approved for Destiny Mastercard in XXXX. A card was mailed out and had no issues. 3 months later, upon attempt to use card I was declined. I called destiny costumer service at XXXX and they stated there was a new card mailed out in which I did not request. Either way, I waited for a new card, which never came. 
I called the company and they stated a new card would be mailed out and apologized for the inconvenience. I was told it could take up to 14 days to receive the card. 
I never received this card. XXXX of XXXX I called company and explained the situation in which they apologized and stated they would mail out a card and to wait 14 days for card to arrive. The card never came. All the while, I am paying the interest and dues related to this card. I didn't have access to use my account because I did not have the card in my possession. Again the card did not come, i called the destiny company again on XX/XX/XXXX spoke to : XXXX  employee number XXXX, they stated they had it documented in their system that I stated I never received card and requested a new card be mailed but there was no card sent out. during that call I requested yet another card. I requested it be expedited which they could not honor. 
14 days later XX/XX/XXXX I called again and Destiny Company stated they are issuing another card and to call back to follow up in 3 days. They also stated that they were forwarding this information to their " higher ups '' and apologized for inconvenience. 
I called on XX/XX/XXXX and spoke to a rep who stated there was a " fraud claim '' on my file and no card was issued to be mailed out. I never put a claim in for fraud and now and livid that there is no card issued. 
i do not want to hurt my credit by closing my account or not making payments so I'm stuck to what to do. 
they have deceived me and not honored my request to give me a card.
Consumer complaint received 2017-04-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I had fraud on my business account debit card.With in 4 days I had 2 Airline tickets purchased from XXXX. I reported them to Navy Federal Credit Union ( My bank ) but they are not believing me and this has caused my bills not to be paid because the account went overdrawn by this fraud and my bills got returned and in returned I get charged for the returned fees which cost me a lot of money for each of this bill. The most annoying is how they bounce my bills back when I had enough money in my account for my bills the previous day but they honor a fraud that was not even pending on my account.The shocking part was they adjusted my account transaction showing as if I transferred the money after the fraud happen and bills get bounced back. 
I am so angry, I have been trying to contact them but they are not helpful at all. I even let them know I will be contacting financial ombudsman.