davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX I acquired title to property located at XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. This property is encumbered by a first mortgage in the amount of {$100000.00} assigned to XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Since XX/XX/XXXX, I have contacted via email said bank to obtain account information in order to make payments. On the same date, XXXX XXXX, Property Account Compliance Administrator of XXXX XXXXXXXX  told me that we should contact PHH Mortgage, servicer on this loan. Since that date, we have spoken and written to PHH Mortgage Corporation in countless occasions asking for the account information to no avail. Florida Statute 701.04 provides that a record title owner of a property shall be given this information and even after obtaining a third party written authorization by previous owner and original mortgage debtor, which was sent to PHH, to this day, more than two years after my initial request, the mortgage lender won't provide the information on the account to me, the title holder. 
By not providing the detailed information to which as title holder I'm entitled according to the preceding statute, I'm not only being prevented of the sale of the property, but also being harmed by unnecessarily increased charges.
Consumer complaint received 2023-03-21
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. (SC)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account NAME : XXXX  # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is correct.
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

I am facing foreclosure and I applied for a short sale and my short sale application was approved by the bank. I had a buyer who made an offer which was also submitted to the bank. However, the buyer pulled out because of the extensive umber of repairs that is needed on the property. I had another buyer who made an offer and this was submitted to the bank immediately after informing them that the first buyer pulled out of the deal. 
The second offer and proof of funds along with the HUD was submitted for the second buyer. The bank advised that they have received the second offer with supporting documents and are reviewing it. I was advised today that the file is now closed and the only option available to me is foreclosure or deed in lieu. The bank refused to review the second offer for short sale.
Consumer complaint received 2017-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Please excuse the reasons selected. I tried to make a small payment but the company 's website does n't recognize the routing number for my savings account. I emailed and verbally told employees that it was n't working. As of XXXX/XXXX/XXXX, the website is still not accepting the routing number. 

Message on website after entering routing number : The payment information provided is invalid. Please try again.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

There was a vehicle purchased in my name and I haven't purchased a vehicle in XXXX decades or more. This was a huge truck fully loaded for a big strong man, I'm a small woman my height is XXXX and I don't buy vehicles because the car payments are XXXX high. I'm XXXX living on a fixed income and I only get paid once a month. I could get approved for a vehicle that expensive in my dreams. The bank is XXXX XXXX and I told them it's fraud.
Consumer complaint received 2018-05-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ARVEST BANK GROUP, INC. (AR)

For the past 5 months I have not been able to pay this loan through the banks online portal. I have to either call every month or go to a branch. When calling I am placed on hold for 15-20 minutes and I have to pay a fee to pay the loan. If I got into a branch I have to drive 20 or so minutes just to get to the branch. I have called the bank around 10 times and spent 10-15 hours on the phone with them trying to address these issues. The best answer I get is " our system just won't let us do that. '' There has been no talk of a resolution and literally no help whatsoever. I was given a personal email of a employee who I should be able to contact and they will take care of this personally. However, that employee does not respond to any emails. I was specifically told I could pay this through their online portal. This loan renews every year. This is the 5th year I have had it. Every single payment before this year was made through the online system. The trouble I have to go through to make this loan is almost preventing me from being able to make the payments on time because I have to set aside about 1 hour to do it. Either 1 hour waiting on the phone and convincing them that I shouldn't have to pay the fee OR going to the branch and doing the same thing.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

1. XX/XX/XXXX, letter from XXXX XXXX XXXX XXXX claiming account has been placed with XXXX for collection sent. 
2. Called Chase : told since I did not have the full account number that I need to call XXXX regarding the letter received. 
3. Called XXXX.Told the collection is regarding an XXXX Credit card. Told them I was unaware of any unpaid charges. Asked what was purchased. Told statements would be mailed to me. 
4. XX/XX/XXXX, 2nd letter from XXXX with payment options sent. 
5. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX ext. XXXX. Told I would receive them in 7-10 days. 
6. XX/XX/XXXX called XXXX because I had not received copies of statements. Talked with XXXX XXXX. Told media was received on XX/XX/XXXX by them and she did not know why I had not relieved them yet but I should soon. 
7. XX/XX/XXXX called XXXX because I had not received copies of statements Talked with XXXX XXXX. I told her I was disputing the charges. I was ransferred to Chase Bank document recovery and spoke to XXXX ( XXXX ). Told I should receive statements in 7-10 days. 
8. XX/XX/XXXX received copy of statements showing a charge for XXXX XXXX XXXX on XX/XX/XXXX for {$100.00} and several months of late charges. 
9. Looked for receipt on my XXXX XXXX account to confirm I did not make the charge. I have receipt number XXXX dated XX/XX/XXXX showing I paid my XXXX XXXX with my XXXX XXXX XXXX. 
10. XX/XX/XXXX called Chase bank to try and resolve issue with this charge I did not make. Talked to XXXX ( XXXX ) explained I paid my XXXX XXXX with an XXXX XXXX XXXX on the XX/XX/XXXX and I did not pay it a second time, the next day, on the XX/XX/XXXX with the Chase card. I was told my dispute was declined XX/XX/XXXX. I explained I was trying to settle this prior to filing a complaint with the Consumer Financial Protection Bureau. She suggested I talk to a Senior Service Specialist and transferred me to XXXX ( XXXX ). He offered to " accept {$70.00} to make this go away. '' I responded that I did not make this charge and I am filing a complaint with CFPB if we can not resolve it. He told me I have to write a letter to XXXX XXXX XXXX to further dispute the charge.
Consumer complaint received 2022-03-30
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. (OH)

In accordance with the Fair Credit Reporting act, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Account Numbers 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 2. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 2020-02-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (OR)

Initial date of contact withXXXX XXXX with afncorp ( American Financial Network ) in XXXX XXXX, Oregon was XX/XX/XXXX FHA Loan amount {$320000.00} A letter of approval for a FHA loan was submitted by XXXX at AFN, stating that I had been approved for the loan, all my records were reviewed by underwriting, and even my short sale of XX/XX/XXXX was approved, and we were good to go with loan proceedings. 
The only reason I proceeded with him and his company was the initial approval letter. If you speak to my realtor, he will have more stories that ended in deception other than mine. 
An offer was placed on a house, a price was agreed at XXXX. I was putting 45-50 K down. 
Each step we took in the process, we were told that we would fine that " we would never be this far in the process if underwriting had not been given the original approval ''. 
We had a 30 day escrow, I was to move and start a new job, 2 hours from where I resided at the time of original contact with XXXX. 
We lost {$2000.00} of earnst money due to we were told all was good, after having to push escrow out a few times. 
After many weeks of damages from the lender, and storage unit payments/comittments /work notices, home notices where I was moving from, a {$30000.00} student loan that was paid off ( Underwriting stated we could move forward once we showed that it was paid. This loan was in default and was on the credit report originally, we were told in the beginning it would not present a problem with underwriting, they were well aware of all issues ). 
Several events took place, the day escrow was to close at XXXX XXXX  on XX/XX/XXXX, we were notified by XXXX XXXX, a manager from the same company, that underwriting had declined our ( my ) loan. 
A home insurance policy was purchased, several hoops were jumped through, all of them documented, the area I was moving to had zero rentals, home appraisal paid for, home inspection paid for, septic inspection paid for. 
We ended up getting the house, closed escrow XX/XX/XXXX, we had to pay {$370000.00} due to agent wanted nothing to do with us, due to all the deception, none of which we caused. 
The loan at this time was obtained by my partner, a XXXX  XXXX Vet., He carried papers for me. ( FYI ).
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc. (CA)

To whom it may concern. 
McCarthy, Burgess & Wolff keep sending collection letters saying that XXXX XXXX owes money to XXXX XXXX XXXX. 
XXXX XXXX has had payroll deductions for workers compensation insurance since XXXX, never used XXXX XXXX XXXX. The account number does not match either. They have been sending these letters since XXXX. We would like this to stop if they can't provide correct information.
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CA)

This is in regards to a recurring series of unauthorized " Analysis Service Charges '' made by US Bank on my checking account. Total unauthorized charges to date total : {$80.00}. The recurring charges have not stopped despite promises from bank representatives that they would. 

I first noticed the charges in XX/XX/XXXX. US Bank had been charging an unauthorized recurring $ XXXX monthly charge dating back to the beginning of XX/XX/XXXX. I called a customer rep to inquire as to the nature of the charge. Despite several transfers, no bank representative could explain the charge. At the the time ( XX/XX/XXXX ) they agreed to refund the charges. Though no less than 10 charges had been made, US Bank refunded only 6 of them. I chose not to challenge the difference since they promised that the recurring charges would no longer occur. 

Then, in XX/XX/XXXX, I noticed on my statements that the recurring charges had actually continued to be assessed for the months of XX/XX/XXXX throughXX/XX/XXXX. I called again with the same outcome : they refunded the charges and promised that the charges would stop. ( Again, they could not explain what was causing the charges. ) Today ( XX/XX/XXXX ), I see again that the charges have in fact continued for XX/XX/XXXX and XX/XX/XXXX.

I would like to log this complaint with the CFPB so it can be analyzed with other complaints in regards to unauthorized recurring bank fees by US Bank upon its customers.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Atlantic Credit & Finance, Inc. (IL)

XXXX continuously calls pretending to be a Credit Agency and sometimes a Debt collector. They act very strangely on the phone and ask for employees at our company often revealing their personal info!
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-06
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. (MO)

I have requested validation of debt from Equifax regarding an inaccurate account reporting to my credit report. Ive disputed the account twice and Equifax has yet to furnish the proper validation of debt. Ive contacted the collection agency responsible for the debt, XXXX XXXX XXXX, and what I received was a generic printout of an account activity. I have not received sufficient validation of debt from either parties. 

Please review supporting documents attached.
Consumer complaint received 2022-07-11
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. (NJ)

Equifax reports a date of last activity of XX/XX/XXXX while the other bureaus report different dates ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ), which is a clear indication that this account was illegally re-aged. 

Equifax also lists this CLOSED account as OPEN and continued to report positive payments on a closed account.
Consumer complaint received 2022-03-30
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. (TX)

MY INFORMATION WAS USED WITHOUT MY CONSENT. I FILED FTC XXXX AND CONTACTED COMPANIES NOBODY IS HELPING ME.
Consumer complaint received 2018-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc. (VA)

The medical debts are not in timely manner for collection purpose. My insurance is a market place. I have a right to ask financial aids accordingly. Even I am not more than four months being a member of medical inssurance. This is just running to mess my credit score illegally. Any ways I have arranged to be paid by my XXXX XXXX. It should be removed from my account. 
Sincerely,
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (IL)

Urgent Complaint Regarding Fraudulent Navy Federal BANK Account : Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent Navy Federal account. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. I have reported this Navy Federal Bank account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. During their investigation, Navy Federal Bank provided erroneous information, claiming that the aforementioned account is mine without sending documentation of findings of verification. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity fraud associated with this account. I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent Navy Federal Bank account be removed f immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into Navy Federal practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. I appreciate your attention to this matter and look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (MS)

I am trying to get a replacement title for my vehicle to sell it. The vehicle was paid off with BBVA Compass Bank in XXXX of XXXX. In XX/XX/2021, the bank merged with PNC bank and now they have no records of my past account. I have to have a lien of release OR a statement from the bank stating they have no interest in my vehicle and PNC is refusing both. They can not find any of my account information so they are refusing to even write a statement. I can not get a new title for my vehicle without one of these two items.
Consumer complaint received 2018-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

How Bank of America didn't protect my money or secure my bank account.

Apparently I was spam bombed with a few thousand emails. This started on XX/XX/XXXX th and has continued to present. I did research and discovered that spam bombing is used to cover up financial attacks so on XX/XX/XXXX I changed all my passwords to all my accounts. 
However little did I realize that earlier someone had according to Bank of America logged into a : '' trusted device '' and transferred {$7500.00} to a XXXX XXXX. 
Never hear of this person. Somehow the hackers managed to change my bank profile settings and enroll their telephone and sign up for safe pass which allows someone to transfer more than {$5000.00}. At no time did i ever get a warning or a text from BofA. 
I have had this business account for over 20 years and have NEVER done a transfer like this. Red flags, Nothing On XX/XX/XXXX I discovered the theft and filed a claim with B of A. 2 days later XXXX XXXX in the fraud investigation department emailed me a letter stating my claim was denied because it was on a trusted device. In spite of repeated attempts Bank of America never supplied me with any information about devices or routing numbers of where the money went to. I am unable to file and FBI report because Bank of America has not been stonewalling me. They told me they were trying to recover the money from XXXX XXXX but on the other hand stated they never actually spoke with anyone at XXXX XXXX.. 
So I am now out {$7500.00} Bank of America completely failed to protect me, failed to honor their if your a victim of fraud your not responsible.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

I just learned that LexisNexis is making false reports, and has now refused to provide me with my report for the past 7 months, I was told by my Insurance Company that they got a report from them and it is all false. 

It is now causing me damage and harm ... ... ....
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Check was deposited on XX/XX/18 through mobile check. I get a notice saying that my check was on hold. I went in person at the neares bank of america on XX/XX/18 and the bank teller told me theres nothing she can do to fix the hold on the check and to call customer service because they would be a better help. I called Bank of Americas customer service and was told that the check would be on hold for 10 days and wouldnt be available to me.