davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

Please note this is an amendment to complaint XXXX. My complaint stems from the time starting XX/XX/2021 when I came in communication with Loancare about coming off of my forbearance plan. My request with XXXX was to understand if an adjustment in my current loan/interest rate XXXX 3.25 % XXXX more aligned with current would be possible. They said that they would review my loan and send me an offer within 30-45 days. Fast forward to XXXX and my loan has been transferred to a new servicer ( Shellpoint ) who says the only way to get a reduced interest rate is to refinance. 

I understand Shellpoint ( new loan servicer ) position. However this mean I will not be able to be under consideration for a refinance until XX/XX/2021 XXXX 3 months out of forbearance ) If XXXX had worked with me in earnest I would have been able to refinance as early as XX/XX/2021. 
A refinance will restart the clock on the amortization schedule which is something that I really dont want to do New Rez is owner of the loan so I dont really understand why things changed when the loan got transferred to a new servicer anyways and I'd like an explanation of this because I dont feel like I've been dealt with fairly.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

This is a problem with equifax. In 2016, they had me listed as deceased on my credit report. I called and spoke with someone in 2016 and provided them with current bills in my name, copy of my current driver 's license and address. I did think it was resolved. The last four years I have been improving my credit score, slowly but surely. This past XXXX, after applying for a XXXX XXXX credit card, I was declined due to " one or more of the applicants are listed as deceased ''. I don't know what else to do or how to go about correcting this. Can you help and guide me as to what steps I need to do since nothing worked back in 2016. Thank you.
Consumer complaint received 2021-12-31
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. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The company simply indicated that the alleged debt had been transferred to a collection agency. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with Equifax XXXX XXXX XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to Equifax, XXXX, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by Equifax, XXXX, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NY)

Previously, all three of my credit accounts with Barclays had a higher credit limit than they do now. I used these accounts exclusively for balance transfers, and purchases. I even paid them off several times to. Despite all of this, Barclays punished me, restricting my accounts by significantly lowering the credit limits. These restrictions prevented me to purchase XXXXXXXX XXXX XXXX tickets due to the lowered credit limit. on account XXXX, Which is now account XXXX.Recently however, Barcley sent me checks to do balance transfers on account XXXX, which I did. Unfortunately., because of the restrictions. I can only do a limited amount of balance transfers due to the lower credit limit on this account. I was told by Barclay 's representatives that these restrictions would be lifted after six months. It has been almost a year and the restrictions are still there. Please keep in mind that I did not receive any points on these Barclays account ending in XXXX, or XXXX for making XXXX XXXX purchases with these cards. These accounts were flagged by XXXX ( XXXX ) because Barclays lowering the credit limits so low that I lost points on my credit scores from all three bureaus all at the same time, and for the security breaches found
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AZ)

I opened account in XXXX. They closed/froze it in XXXX or early XXXX. Said 30 days get paper check. After that XXXX more days.after filed complaint with you XXXX more days. That's up now and instead of paper check I talked to them and they say they will sende debit card instead. Have not but say they will. XXXX mail I got today say they closed my account. Even though I have not been able to get my last XXXX dollars from my social security payment in XXXX. At least XXXX going on 6 months. Still locked out of my account that apparently just closed today. Don't know if that means another 60 days to wait for paper check or they gon na still maybe send me debit card. I think they should pay me.
Consumer complaint received 2023-01-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc. (IL)

On Monday XXXX XXXX, I received a phone call at XXXX by a XXXX XXXX claiming to be a representative from NCB Management Services XXXX calling from a XXXX area code number claiming that I owe some debts but refusing to tell me what debts. I didnt tell me my name at all and the last XXXX numbers of the phone number were the same as my social security number which was weird.The next day at XXXX, I got another phone call from the same area code by the name of XXXX XXXX claiming tXXXX be a representative from the same company and again I never revealed myself knowing that it was a scam. The next day, I received yet another phone call from the same area code number by the name of XXXX but again I never revealed myself and instead I told them I was the clients power of attorney and they still refused to tell me the nature of the call. I havent been paying any of my credit cards due to not working and I havent got anything from any debt collectors yet. I got scammed twice in XXXX and learned my lessons and did some research of my own to see what to look for as far as scams. The phone numbers that the scammers called me from are : ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is an address in California that is reportedly associated with my name being reported on my credit report. Ive never lived in California so I know that Im a victim of identity fraud in this particular case.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

Fidelity Investment Credit Card charged me a higher interest rate than what was agreed on for a promotional balance transfer transaction. This higher rate started in XX/XX/XXXX to XX/XX/XXXX. They added an additional 6 %.
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I sent a validation of debt claim to CITIZENS FINANCIAL GROUP INC. Which they disregarded and never responded. I have my documents for proof with certified mail receipts. The validation notice certified mail number is XXXX XXXX XXXX XXXX XXXX. I specifically notified them to give me the name and address of the original creditor, and the origins of the funds to show proof that they are owed the debt. I also instructed them to cease all and any attempts to contact me unless they were able to complete the task they were given. They totally ignored my instructions by contacting me via telephone call. my problem with all of this is that if CITIZENS FINANCIAL GROUP INC. Claims I owe them a debt then why is it so hard to do these simple things, like furnishing the proof that I owe the debt. According to 15 USC 1692g they have to submit these documents to me which I informed them of. keep in mind that acquiescence is default by its very nature.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

This is the refilling of my complaint to XXXX XXXX XXXX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX
Consumer complaint received 2021-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX Transunion XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc (MO)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2021-12-31
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. (PA)

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( XXXX, XXXX, Transunion ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Consumer complaint received 2021-12-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IN)

I began the process of filing for a HELOC with PNC bank in XXXX of 2021 after being referred to a lending agent there. The majority of the process flowed relatively smoothly until the appraisal which was a drive by rather than an actual walk-thru. The appraiser valued my home at roughly {$80000.00} less than its current value. This would have been insignificant, but its being used as a tactic to force me into a higher interest rate loan. I had the former listing agent for the home provide current comps as well as a professional opinion of the current value of the home based on his expertise in the housing market. PNC refused these comps and a walk-thru appraisal even though their appraiser used comps that were nearly two years old and did not enter my home. I have had to submit additional comps today showing that my home is valued anywhere from $ XXXX {$90000.00} more than they have appraised it at and been further delayed while they make a decision on whether or not they will complete a valid appraisal. 

This is frustrating not only in that they are trying to force me to pay a significantly higher rate due to their failure to act in good faith but also in that they have delayed my kitchen remodel and put me at risk of having the price of it increase due to timing delays.
Consumer complaint received 2021-12-31
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. (IL)

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX XXXX XXXX and Experian XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, XXXX, and Experian to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, XXXX, and Experian that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

The previous complaint was not a duplicate it is the ongoing underline actions that they have been lying about if anybody 's fraudulent it's USAA .THEY TOLD CFPB they CAF CLOSE MY THREE ACCOUNTS XX/XX/XXXX THEY HAVEN'T CLOSED ANYTHING IN OUTSTANDING DISPUTE SINCE XX/XX/2021 HAS NOT BEEN SOLVED FOR {$450.00} THEY CLAIM THAT ACCOUNT IS FRAUDULENT BUT THEY HAVE NEVER STATED THEY XXXX ANYBODY BUT THEIR SELF INTERNAL NOTES I FOUND OUT SOMEONE CALLED HERE SAYING THAT THESE ACCOUNTS WAS NOT AUTHORIZE WHICH WAS A BALL FACE LIE THEY NEVER COULD GET BACK IN TOUCH WITH THE PERSON WHO CLAIMED THIS NO EVIDENCE NO NOTHING AFTER ACCOUNT BEEN OPEN FOR FOR FIVE YEARS THEY DECIDED TO COME TO THAT CONCLUSION FROM A PHONE CALL REALLY KNOW THEY IS OUT OF COMPLIANCE THEY KNOW THAT THEY ACTED ON SOMETHING THAT WAS NOT REAL AND THE PERSON WHO DONE IT IS IN A FRAUDULENT PARTNER WHO KEEPS LEAVING THIS COMPLAINT AND ACCOUNT AGAIN BECAUSE SHE DON'T WANT TO GET IN TROUBLE BUT SHE GOT HER WHOLE BANK ENTITY IN TROUBLE DUE TO THE FACT THAT AFFECTED MY LIVELIHOOD WATER OUT PG NOT BUSY ENOUGH AND RESULTING INTO A TENT NOT BEING ABLE TO PAY MY BILLS I'M TOTALLY STRESSED OUT I BELIEVE THIS IS DUE TO XXXX XXXX  AND DISCRIMINATION OF XXXX AND XXXX  AND I'M XXXX BOTTOM LINE I NEED MY MONEY ASAP XXXX FAX INSTANTLY AND I WILL BE SEEKING LEGAL REPRESENTATION AT THIS I contacted the department of justice as well again this is not a duplicate
Consumer complaint received 2024-04-12
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: I.C. System, Inc. (MI)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 
15 U.S.C 1681 Section 602 A. I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-14
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 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 2021-12-31
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. (SC)

I reported a fraud that are hard inquiries these were placed on my account that aren't mine. 
XXXX and Equifax investigation took a day and didn't bother with my FTC nor deleted the inquiries that aren't mine. Iv called everyday the get this resolved and now feel like me rights haven't been taken seriously.
Consumer complaint received 2021-12-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

BEWARE! Navy Federal is attempting to pull off some VERY QUESTIONABLE and and UNETHICAL lending practices. 
I am completely frustrated with the method that NFCU has resorted to in regards to our home refinance.We began our home refinance with NFCU nearly 90 days ago and have expeditiously done everything required of us.We were offered a loan at 3.75 % interest with 85 % XXXX and XXXX points This was offered pending only the appraisal.The appraisal came back quite a bit higher ( unbeknownst to me at that time ) than was expected and with that news NFCU miraculously, that very same day, sent over updated terms that increased our interest to 4.25 % and decreased to 80 % our XXXX with points. They then would not release the appraisal value to view ( they held it in processing ) .Upon pushing back on this error/mistake/injustice I was apologized to and told it would be handled.I have been stonewalled and now just yesterday my appraisal was released for me to see and my original offer of 3.75 % /85 % XXXX is set to expire on XXXX XXXXI finally spoke to the underwriter yesterday. She requested updated paystubs and homeowners information. I sent it immediately, and she gave us new calculations, 3.25 % interest rate, 80 % XXXX with XXXX points. I told her that this was unacceptable, and furthermore because of the higher appraisal I would like more cash out. I have not heard back from her. I am deeply angered/frustrated that it seems that NFCU decided to renege on their original offer to me in an effort to capitalize on a higher than expected appraisal value and then they attempted to hide this fact from me until it was too late for them to fix.I do not deserve to be treated like this!! It is only fair that my original offer should be extended enough time to be able to process the paperwork and allow me to sign at 3.75 % with 85 %, XXXX points. I have already paid over {$500.00} for the appraisal, and allowed them to pull my credit, so I am very reluctant to go to another company.
Consumer complaint received 2021-12-30
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: CBC Companies, Inc. (NY)

XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.