davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: All State Credit Bureau, Inc. (MI)

Hi, I don't recognize this company. I don't recall ever entering into a contract with this company. Judging by the name, it appears to be some debt from me being XXXX  against my on free will.if this is the case, I have been incarcerated since XXXX of XXXX, so if there was any notification of debt owed, I never received it. I was released on XXXX, XXXX, XXXX. So, I disputed this debt, and I said that my address had changed, and they still would not remove this debt off of my credit report. I never had a chance to disagree or dispute the amount that is alleged that I owe. I was XXXX  for 4 years and 9 months, so if I owed any debt for being XXXX, my time XXXX  should cover it. But, I know I never entered into any contract saying that I would repay someone for being incarcerated against my free will. So, please have them to remove this debt, I was never notified of it ... thank you, very much.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2018 I was contacted via phone by a representative from Portfolio Recovery Associates. On XX/XX/XXXX and XX/XX/2018 they received letters, via certified mail. In these letters I formally requested that Portfolio Recovery Associates validate this debt. It is now XX/XX/2018 and I have not received any response. 

I noticed that XXXX is now reporting I owe XXXX  XXXX {$3300.00}.
Consumer complaint received 2017-05-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I applied for  XXXX  loans wit h Penfed CU si nce you have to select a vehicle for low risk loans. After getting my done with  XXXX   XXXX  I took the bank draft from  Penfed  for $  XXXX  and purchased the car on  XXXX   XXXX ,  2017 . After purchasing the vehicle,  XXXX  tried to deposit draft. The draft was returned unpaid. For some reason that loan was cancelled. But the loan that was supposed to be cancelled was not.   After lettin g Penfed know the situation and the delaer contacting me. Penfed refused to issue a new  check or change the loan. The approval was for $  XXXX  for 72 months at 4.50 %. They requested I do another loan in the system and request the same amount. The loan came back with an new approval of only $  XXXX . After talking to and asking  Penfed to please just make loan same as original they refused. The vehicle was picked up last ni ght from my home. Since I work weekends. I now do n't have a vehicle and will have to quit my job since it is  XXXX  miles away. Because I traded in my vehicle so after a month I have nothing.   Penfed gave me a loan and charged me  XXXX  times {$15.00} for overnight service. Why did n't they honor the check? Why would n't they just fix something I did n't do they done. They knew I had vehicle because dealer contacted the m 10 tim es to fix error and  Penfed  refused.   I had $  XXXX  equity in my trade and how I 'm I supposed to get that month back and how soon? How do I look for another job after quitting a $  XXXX  A YEAR JOB. How do I pay my bills and help my elderly parents get around? I think Penfed should honor our agreement just like I honored my country with my military service.   This is just not right.   Now Penfed wants me to take a loan for only $  XXXX  but not my rate is 6.1 % for 72 months. That 's just not right.
Consumer complaint received 2019-06-21
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. (CO)

Equifax ; XXXX  and XXXX  are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue. This negative reporting is harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2019-06-21
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: GATEWAY FIRST BANK (TX)

I monitor my credit report very carefully as I am in the process of trying to obtain a loan with XXXX Mortgage. 
On XX/XX/2019 I received an alert that my credit was pulled. I checked with my lender as the inquiry was from XXXX XXXX and the alert said a Lender has requested a copy of your credit report. 
My current lender assured me this was not their inquiry as they no longer use XXXX XXXX. I was contacted by my previous Lender on XX/XX/2019 about the same time my credit was pulled. He called to follow up in my house search I made him aware that I had found a lender that worked with me and my house closing is this month. The next morning I checked again with my lender to make sure it wasnt her team that pulled my credit and again she assured me it was not her. 
I tried to contact XXXX XXXX my previous lender to verify if he pulled my credit report but he did not answer. 
I text him and he indicated he did pull my credit report by accident due to him having another customer with the same name. However I find that very hard to believe if you have to give all my personal information name, address, date of birth and social in order to run my report. 
My lender then asked me to contact his manager to make him aware and to have them remove the illegal inquiry. I contacted XXXX XXXX Mortgage come to find out XXXX doesnt work for them anymore he is now at Gateway Mortgage. I then contacted his current manager and still no response. I had to call around to get XXXX XXXX current email and managers email. Once I obtained this information I emailed his old manager XXXX XXXX current manager XXXX XXXX and XXXX XXXX on the illegal pulling of my credit report. 
Not only did he illegally pull my credit report but he took my personal information from XXXX XXXX Mortgage and used it to pull my credit through Gateway Mortgage. 
I received an email from a XXXX XXXX on XX/XX/2019 expressing apologies on the accidental pulling of my credit and they would work on reversing this act. To this day nothing has been done and the inquiry remains on my credit report. I need this matter investigated immediately. 
Regards XXXX XXXX XXXX
Consumer complaint received 2020-02-08
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: U.S. BANCORP (GA)

I have two inquiries on my XXXX  report from a company that I have no affiliation with. I have never started any products or services with US Bank nor have I ever tried to. But it seems they have pulled my credit on two different occasions. The first inquiry was XX/XX/2019 and the second was XX/XX/2019.
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

There were several unauthorized charges made to my account. That I disputed with Chase Bank dispute department. Charges that were temporary reverse charges. Then later on recharge my account. Without any explanation as to how Chase investigation department found theses charges to be mine. Its been a long going issue with Chase Bank and their unfair practice towards their Customers. When it comes to disputes on unauthorized charges. Leading me to now seek legal actions against Chase. Im filing this complaint to show proof that I attempted to resolve this matter with an outside agency. The dispute dates Im filing this complaint about are XX/XX/XXXX for the amount of {$100.00} ; XX/XX/XXXX for the amount of {$66.00} and XX/XX/XXXX for the amount of {$41.00}. All disputes were denied without any explanation as to how they founded these charges to be mine. Chase also charged my account a {$34.00} for an overdraft amount of XXXX. When I asked for them to reverse it. Because I forgot to transfer funds from my other to cover the overdraft amount. My request was denied. This bank is beyond horrible. The fact that I still bank with them is depressing.
Consumer complaint received 2019-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (IL)

I have called Lexus Nexus 3 times, spent a lot of time talking to them, and the latest attempt at a phone call resulted in only automated phone purgatory, no agent. I have talked to my insurance agent, and also the insurance company XXXX twice. Again, no one can identify nor resolve the issue. 
The issue is XXXX raised my insurance rates based in part on a credit report from XXXX XXXX. The report sent to me by Lexus Nexus only lists about 20 years of property assessments. They claim XXXX did not request a report. No one at either business can tell me what is in the report that is negative. There should be nothing negative as I owe no loan nor credit card balances, have not made any late payments and have a credit score in the 800 's. I am frustrated having wasted so much time to accomplish nothing with these two companies.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

I filed a previous complaint with American Express many times with cfpb to have the credit inquires removed off my XXXX  report and I receive letters from American Express saying it will be removed but unfortunately they are still remain on my credit report and I contacted them and they said it was suppress off my credit report but they remain on my file so I dont know what going on I didnt apply for a credit card with American Express and there are at least 5 inquiries dating XXXX the XXXX XXXX and XXXX the XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX that I didnt apply for and Im not getting anything done with this ... this will be my third complaint I filed ..
Consumer complaint received 2019-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019 My account was fraudulently charged the amount of {$290.00} from a company called XXXX XXXX based in Washington state I live in North Carolina. I called my bank Bank of America ( BoA ) and told them the charge of {$290.00} was a fraudulent charge. In concordance with BoA policy they gave me a temporary credit in the amount of {$290.00} and said they will investigate the charge. 

On XX/XX/2019 I received a letting in the mail stating they the charge was found to valid and that they will be taking the credit back from my account. 

I then started my own investigation into this matter. I called the company that charged me XXXX XXXX. I spoke with a person named XXXX who stated on the phone that they were unable to find an account my name or my wife name. The person also stated that they indeed see the transaction but no product was shipped for this transaction and said it does will to be a false charge but will need to escalate the matter to their supervisor. 

I then called BoA to find out what kind of investigate was done by them into this matter and if they contacted the XXXX XXXX company about this matter. I was told they did NOT contact the company and they only monitor the card transaction and if they do not see any other fraudulent charges they assume that the disputed charge was valid. 

On XX/XX/2019 the money that was credited to me in the amount of {$290.00} was taken from my account even though I requested that the case be reopend and the merchant contacted. 

On XX/XX/2019 I visited my local BoA branch and spoke with the branch manger about this issue they called up the fraud claims department at XXXX and asked about my charge. They were told I needed to provide more evidence that is was a valid claim. I ask them how do I do that I received no product and even the merchant said nothing was shipped and the claim charge didn't seem valid. I was told I needed to send a fax with a statement saying it was a fraudulent charge and they will then reopen the case. 

Today XX/XX/2019 I still have not heard from BoA about the claim. when I call the Claims Department ( XXXX ) they only say that they have 45 days to investigate and there are no notes in the claim.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I am in a process of buying a house decided to pay off my credit cards synchrony bank issue about several of them had them going on 3 years after I paid them off in full synchrony bank decided to closed them down all at once. with any warning no reason. call and spoke to them they was overly rude. and just kept telling me they are not obligated to tell me why they closed all of my account at once. I never once been late they said basically its the law for them to do what ever they want with there account
Consumer complaint received 2017-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (DC)

I started to pay more toward my variable interest rate private loan and for the last  3 payments, my interest rate has been increased. It 's as though they see that I 'm   starting to pay more and are each subsequent payment increasing the rate to discourage me from paying the loan off sooner. I make  XXXX  payment on the loan balance of  XXXX . The original loan wa established in  2011  at  XXXX  with the rate then  of 13.75. T he  Interest  has gone fro m 13.75 to 14.175 in  the last 3 months. I 'm not paying that much toward principal, but I 'd like to to pay the loan off sooner if I can. Is it legal for  Navient  to raise my interest rate to discourage me from paying more toward my loan balance?
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

Hi, I got an email from Wells Fargo saying we need more information to finish opening your account. I called them and immediately canceled the application. 
Not sure who did it become they claim its a fraud attempt. 
If it was truly a fraudster, why would he use my email account to register the bank account, wouldnt he use his own? 
Im afraid its from one of their employees. 
Now my credit is locked and I have a fraud alert in my report. 
This occurred on XX/XX/XXXX. 
I was told Wells Fargo fraud team will look into this and let know how this happened and where the fraud came from, but was never notified.
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. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing  department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (MA)

Im writing to you today hoping you can stop the bank from taking my house. My troubles started back in 2009, when everything seemed to fall apart for me. My husband and I started divorce proceedings. Things wouldnt have gotten so far out of hand if I had received the payments that were awarded to me once the divorce was finalized. It took another four years, and his arrest to get this resolved. 

During this stressful time, I was battling medical issues of my own that made it impossible to work. As I recovered and started seeing income again, I approached the bank about getting caught up. It was my home, and Id do everything in my power to keep it. 

I had tried my best to keep up. When I did have money to give to the bank, they refused it, saying I needed to pay everything right then. When I said I couldnt pay that much money at once, Seterus said they would had an assistance program. I was provided a list of documents to submit, which I did. This is where things went really bad. My paperwork was lost, misplaced, etc. multiple times. I would talk to a different person every time I called in, and they would always offer to send me information Id never get. My application is sitting at Seterus Bank, and my mortgage is getting further and further behind.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aura Mortgage Advisors LLC (MD)

XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX  ), among other names. They were suppose to be helping me from being foreclosure on, by buying my home and selling it back to me. But this was all a scam in the name of XXXX XXXX XXXX, which I had never heard of and wasn't told about. I'm XXXX years old and this is the worse predatory lending scheme that I have ever seen. Nevertheless, they brought my home, that I've lived in all my life and sold it back to me at a rate of 6.375 %. I was told that I could refinance later for a better rate. Well, a few months ago, I attempted to refinance to get a lower rate. But to my surprise I found out that I had to pay XXXX XXXX XXXX $ XXXX in order to refinance my home. They had also put a lien on my property that I wasn't even aware of. I was being held hostage. The longer I stay with them, the more I'll have to pay. They were stealing the equity in my home and I didn't even know it. I have enclosed a copy of my Notice of change Circumstances from XXXX XXXX XXXX, the company that I refinance with. Please help put a stop to this type of Mortgage lending greed by XXXX XXXX XXXX aka XXXX XXXX XXXX, the wolves in sheep clothing.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (TX)

I bacame a member of XXXX XXXX in XXXX, TX because It was closer to me than my regular gym. I had to memberships because of this issue. I had one with " XXXX XXXX '' and one with the XXXX XXXX. When I was becoming a member with XXXX XXXX  I asked the Customer Service gentleman that was helping me that If I decided to move and wanted to cancel if this would be an issue. He said no, you can just come to the front and cancel. Well I believed what he said and of course signed all the paper work believing in what he was telling me that I was signing. When the time came for me to cancel, I did just as he told me, I went to the front desk and told them I wanted to cancel my membership because I have moved and I would be no longer coming to their gym. They said to me that is not the way they accept cancelations. The front desk attendant handed me a piece of paper with the instructions on how to cancel. I went ahead and called the company complaining to them that was not the way the gentleman told me I could cancel. They gave me the run around, I told them they can check I have not visited their gym. They continued to take out the membership dues from my bank account for a year. I went ahead after e-mails and calls to the post office with the letter they said I had to write why I did not wanted to be a member. I did and I got the certified mail as they instructed. Also called and finally I got a cancelation number from them. Then it was very disturbing receiving a letter in XXXX of this year telling me that I was referred to a bill collector agency by the name of " First Credit Services , Inc. '' to collect a debt of {$54.00}. The membership is {$10.00} per month, which the company should reimburse me for all the months that they robbed me. Still they are trying to get more money. My credit card was lost and I had to get a new one. Know they did not have any credit card number and so they decided to do this. I reported them to the XXXX and it was supposed to be taken care of, but it wasn't oviously taken care of. I would like for this business to leave me alone. I would love my money back, but I know for sure this will never happen. But at least to leave me alone with this collection agency. This is rediculous.
Consumer complaint received 2019-06-21
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: National Collection Systems, Inc. (TX)

The CFPB investigated my complaint against National Credit Management. I asked National Credit Management to provide me with documentation that contains my signature solidifying the agreement between me, XXXX XXXX, and National Credit Management stating this debt would be repaid. National Credit Management has failed to provide this documentation.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/19 I called Wells Fargo bank to try and settle a credit card balance I had, after holding for XXXX minutes I decided to hang up and call again.I still wasn't able to speak to someone, waited another XXXX minutes and agin hung up. ( I am a XXXX survivor and can't afford to get upset ), so this morning I called my mortgage person ( XXXX XXXX ) so we could hve a Three way conversation to try and resolve, but afer attempting again we spoke to three different departments and all they told us was ( HOLD ON WE ARE TRANSFERRING YOU TO A DIFFERENT DEPARTMENT ) .After and hour on the phone they told me that someone would call me back or e-mail me to resolve.I feel very upset that such a large company has such POOR COMMUNICATION and I may not be able to get my mortgage because of WELLS FARGO negligence.I have all the times we called and how many minutes we were on hold.