davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-23
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. (MO)

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. 201 -CFPB-0022 Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and XXXX XXXX are falsely reporting on my credit file.
Consumer complaint received 2022-10-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

The company took four months to process the removal of my XXXX As I was waiting to complete the process for my HELOC, PHH mortgage consistently delayed my request to remove my XXXX Once XXXX  was finally removed, interest rates have significantly increased and now I am forced to accept a much higher interest rate due to PHH Mortgages consistent delayed in removing my XXXX
Consumer complaint received 2018-01-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I wrote to the CFPB LISTING complaint under XXXX XXXX/XXXX Master Participation Trust Fund and XXXX XXXX replied with written correspond3nce that it was determined after careful evaluation that they are the TRUSTEE for the trust which they failed to specify. They say they only handle issues with the trust and the servicer on the mortgage is the one that has the authority to handle collections, issues of foreclosure, staus of mortgage which according to these fabricated submission of Documents is CALIBER HOME LOANS. Now in XX/XX/XXXX I was served judgement of foreclosure by banks firm XXXX XXXX, XXXX XXXX, for XXXX XXXX as Trustee for XXXX. It is my understanding the servicer is the one with legal authority to collect on said monies they are stating are owed. However in XX/XX/XXXX, I wrote to the XXXX and NYS Attorney General and Caliber spoke to XXXX XXXX XXXX from XXXX and they stated I wasnt even in foreclosure or near that point, so then how am I being served thru the justice system a judgement and complaint foreclosure, and the servicer according to XXXX XXXX is the on, y one with authority to issue such claims. XXXX XXXX respresentimg the trustee or the trust which I can assume is XXXX XXXX. Are they in collaboration with the TRUST then to legally foreclose upon the request of the Trust. They are choosing to file papers illegally listing XXXX AND XXXX on papers without Calibers Knowledge. XXXX XXXX has not been abiding by the laws that are suppose to protect me. They filed In XX/XX/XXXX motions to the judge that their filed papers went unopposed by me the defendant and my attorney and both of us never received any documents. That was a lie and they continue to engage in unethical practices as my attorney filed For Bankruptcy in Federal Court in XX/XX/XXXX/ XX/XX/XXXX and while in Federal Court they filed motions in XX/XX/XXXX ,XX/XX/XXXX ; and in XX/XX/XXXX motions while I was still in Federal COURT and have violated federal that should have kept me protected under Federal Law while in Bankruptcy Court.until we withdrew case in XX/XX/XXXX/XX/XX/XXXX. They filed papers in XX/XX/XXXX which I was never informed about according to the county clerks records and was notified in XX/XX/XXXX for NOTICE OF Sale. XXXX XXXX must prove to me and the courts they have any legal right to proceed and if they do they need to go back to when they illegally motioned the court while I was in Federal cCourt snd Caliber needs to confirm any dealing with there Law Firm and tell them to recuse themselves because of their lack of following Federal Law that protected me under a Bankruptcy Law.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

More than two months a go I applied for refinancing mortgage loan with Amerisave Mortgage Corporation. They collected their deposit and fess and I provided all documents they asked for, appraisal was done and all steps followed. Now they are not acting to close the loan as I am facing critical deadlines which will hurt me if deadlines are not met. They seem deceptive and use bait-and-switch mortgage-lending scheme. I have tried to contact them many times by phone, email but I get no response. Now I am stuck and don't know what to do since I already committed to them and paid them fees and all documents. It seems they have a bait and switch tactics and get you hooked but then put you in a tight situation.
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

Between XX/XX/XXXX and XX/XX/XXXX, my loans in repayment ( Loans 1 and 2 ) under the Pay As You Earn ( PAYE ) plan were moved from repayment to forbearance status without my knowledge or consent. On XX/XX/XXXX, XXXX representative XXXX confirmed that this was standard practice, despite the fact that XXXX previously assessed a payment under the PAYE plan towards Loans 1 and 2 on XX/XX/XXXX. Upon escalation, representative XXXX also informed me that this is standard practice and that XXXX ( my prior servicer ) essentially messed up and should have put me in forbearance instead of repayment. A XXXX  representative confirmed with me at approx. XXXX EDT on XX/XX/XXXX that I did not recently request any loans being placed on forbearance and that the loans in question were in repayment status under PAYE before they were moved over to XXXX  . I never requested a new forbearance to be applied to any of my loans this year. As I am working towards PSLF, I had to request the forbearance to end, but they informed me that, despite those loans having already been in repayment, interest capitalization would occur.
Consumer complaint received 2023-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have had a vehicle loan with Pentagon Federal Credit Union for approximately the last 18 months in which I make on time payments via their website each month. This month I am traveling overseas and attempted to login to make my payment which is due in the next few days ; only to have my access blocked and to be told that I need to call their customer service department. I immediately contacted their customer service department which was of course closed at the time. I contacted the number provided to me once again when they reopened and spent an incredible amount of time with an agent verifying ID information and receiving a text message to my mobile phone which I in turn also had to provide her. I expressed my concern that I simply needed to make a PAYMENT on my account and was told there is nothing she can do and that I need to speak with a DIFFERENT department that was not currently open. I then advised her that I would PUSH a payment from my checking account with a different bank and was told that they would not accept my payment and would return it. 

This appears to be a clearly fraudulent business practice that PenFed is blocking consumer accounts for supposed security reasons and then not allowing a payment to be made on a DUE account and thereby potential causing customers to incur late fees and derogatory credit marks on their credit file. 

From my research online PenFed seems to have a habit of blocking consumer accounts and then creating havoc to get them unblocked when people try to access their accounts overseas or via a Virtual Private Network ( VPN ). While I understand the need for security measures blocking a consumer from making a payment directly from their account at ANOTHER bank ( a PUSH payment ) appears to be a fraudulent and deceptive business practice. The agent advised me that under no circumstances would a payment be allowed on the account until I spent additional time contacting some other Department.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

I just went to see my credit report and saw this unknown debt collectors called XXXX XXXX XXXX of which I know nothing about. So I went online and checked who they are. And they collect debts for XXXX companies. But i have never collected any phone or get a contract from these people, so I think it is an identity theft. Please, help me resolve this issue and take it off from my credit account. Thanks
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been with Navy Federal for years. To me one of the best banks. However, most recently this year I claimed 2 fraud charges one charge international and another charge local. I filed the dispute, the rep advised they its computer generated and it does not give the reason why. Once it was denied. I did an appeal. 

According to the appeal which I submitted on XX/XX/2023 : Thank you for your response. Your appeal has been submitted for review, it will be worked in the order in which is was received. Currently, there is no specific time frame, however, your appeal will be worked as swiftly as possible. The final determination of the second review will be noted on your account. If you have any further questions please let us know. 

I spoke with Navy Federal on yesterday to a fraud XXXX. I advised her that I am on a strict budget and my account is being overdrawn every month due to the fraud done on my account may I get an update because its going on XXXX months. She came back and said the system does not give us a reason why however the appeal was denied. I have yet to get any documenation and its 1 day later. They state 1st appeal worked in the order they are received, now 5 mins later you all have a decision. This practice is unethical and I will be getting the attorney general invovled this matter. People work hard for their heart earned honest living money and the banks will try to legally rob us. 

I am disputing a total of {$890.00} and they have done nothing but failed me as a consumer and this hurts. We just our trust in bank and we look for answers and they tell us its no addtional information its just a system based response. I asked should I file a police report and the rep tells me its pointless. So what should consumers do if fraud is done on their accounts?
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My bank is Bank Of America and my card was charged for {$670.00} cents between XX/XX/XXXX and XX/XX/XXXX. I have been a client of theirs since XXXX and have not missed a single credit card bill statement. I initially filed that I lost the card, however I found it a few days after having thought I lost it. I did not have the card with me on the dates that my card was used. I filed a claim for all of these transactions on XX/XX/XXXX. Bank Of America Did not believe me and denied the claim as of XX/XX/XXXX. I just do not think it is fair to pay back all the money I did not spend. Bank of America said the card was used physically, however I did not even have the card to use it on those dates. The transactions were made in XXXX, Maryland and I dont even know where that is. I also have never gone bought from those stores that the scammer charged on my card before. I hope this can be fixed.
Consumer complaint received 2023-08-22
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. (FL)

I have contacted Equifax multiple times in order to correct erroneous information found on my report. The first time they replied with a stall tactic email stating they did not believe the mail was from me even though I accompanied the mail with copies of identification and proof of residence. After sending multiple letters requesting that my personal information be updated and any other information taken off of their platform I was simply ignored. I am requesting this due to privacy reasons and the fear that my information will be used fraudulently. I have also requested the specific submittal of information on how accounts were verified, as in with whom, when, where, how contact was made. These request were also ignored. I have requested that if verification of these items can not be produced, then to removed them from my credit file immediately. This has also been ignored. The last round of letters I have mailed to Equifax were mailed out on XX/XX/2023 and XXXX certified mail tracking shows that they were delivered on XX/XX/XXXX, and XXXX 2023. These letters were sent out XXXX certified mail and I am able to provide tracking. The credit reporting agencies have an obligation to consumers to report any and all information correctly and truthfully. Equifax has not been doing that for me at all, and has simple just ignored my request for investigation into these accounts. I have attached all documents sent to Equifax.
Consumer complaint received 2018-04-20
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. (NC)

XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. XXXX XXXX, and Trans Union continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Hi, I am contacting the CFPB on behalf of SYNCB/Care credit under account # XXXX. There are wrongly reported late payments for XX/XX/XXXX, and XX/XX/XXXX, please see the enclosed documentation.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MD)

XXXX XXXX XXXX I was charged over {$6000.00} for purchases I did not make. These charges were exponged by Barclays. They however continued charging my account for other items I did not make. They refuse to exponge these charges!
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, Bank of America N.A. Closed 2 of my Long term Credit accounts which I have had with the Bank for over 5 years. I received a letter in the mail a few days following detailing the reason why this action was taken. In the letter I received, Bank of America claimed that due to my action of adding " Authorized Users '' onto the account I was subsequently shut down because of this action in line with other " Economic Trends '' I have been a customer with Bank Of America for over 5 years now, since high school as a matter of fact. It was my first credit card with the bank which also was the longest running credit line in my credit profile. I called the Institution to question their motive when this decision was made. I was not given a specific reason despite my long tenure with Bank of America. Aside from the frustration, One of the cards is supposedly still open with the bank however, I can not use the line of credit, Will have to pay interest and fees yet the product itself is unavailable for me to use! In they're terms Of Service agreement, Bank of America States you may have up to 10 Authorized Users on a given account. 

I did not have nowhere near that number yet the bank decided I was too much of a risk despite my long history with the institution. It is woefully ignorant in this modern age for a Bank of this stature to not even so much as Call or text the customer given this decision. I am at a complete loss as to why this bank would do this when I have never had a single late payment and never have had any other issue in the past.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 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 I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-01-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

I was contacted by CMRE Financial Services about a medical debt that I did not owe. They have been persistent and have affected my credit score because of it. I was told I owed {$3500.00} and needed to make that payment. I never was given proof of bills from hospital or received any medical bills at any point. This company is committing fraud and affecting my credit score which in turn is affecting my ability to buy a car, rent apartment, etc. I need this resolved please this is complete fraud.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX Transunion, XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, Transunion, XXXXhas FAILED to do so. I feel as if XXXX, Transunion, XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX  Transunion, XXXX and I can resolve this issue without having to see a courtroom. I will await XXXX, Transunion, XXXX response before I disclose any of my personal information.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are 2 inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX from XXXX on my Experian credit report. I would like 1 removed as I only authorized 1 pull.
Consumer complaint received 2019-03-20
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: JPMORGAN CHASE & CO. (CA)

Chase Bank ( www.chase.com ) website states that the card I am applying for has 0 % for purchases and balance transfers for 1 year. But when I received my card and statement that was not the case. 

I did get 0 % on purchases but for balance transfers it is 21.49 % and not the 0 % that was advertised. 

Here is the link to their website stating the 0 % https : //creditcards.chase.comXXXX