davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NEW YORK COMMUNITY BANCORP INC (IN)

In XXXX, I opened a joint line of credit with XXXX XXXX XXXX XXXX, attached to my joint checking account with my wife, at the time. I divorced in XXXX ; I provided XXXX XXXX my divorce decree which stated I was responsible for paying the remaining balance of the joint line of credit. XXXX XXXX required me to open a new account ( as an individual account ) but would not allow for me to refinance the debt in my name only. Instead, they locked the line of credit, requiring pay down of the debt and reassured me no additional funds could be drawn against the line. I continued to make regular payments in order to satisfy the debt. 
In XXXX, Flagstar Bank acquired XXXX XXXX. The original line of credit came over from XXXX XXXX as a Locked line of credit ; pay down only along with my checking account. This fact has been verified several times by employees of Flagstar Bank. 

In early XXXX, without my authorization, consent or knowledge Flagstar Bank re-opened the line of credit. In re-opening the line of credit, they allowed my now ex-wife to make withdraws in excess of {$5000.00}. Flagstar confirmed the withdrawals were initiated online and transferred to an account she had direct access to. Flagstar Bank was complicit in the fraud, they allowed for her to change the mailing and billing address, making me completely unaware of what was taking place. I was notified by Flagstars collection department regarding the minimum payments that I was making were less than the requirement from the billing cycle. I immediately called banking representatives and spent countless hours on the phone and in the branch trying to rectify the situation. I paid Flagstar bank the remaining portion of the original amount I owed ( what was transferred over from XXXX XXXX ) approximately {$1200.00}. And further explained collection efforts should not involve me as the liability is on the lender due to their negligent handling of the loan. 

Flagstar has been less than helpful and is claiming I owe the full balance which is outside of my original loan agreement with XXXX XXXX. They also have damaged my credit and continue to pull credit bureaus in attempt to collect a debt that is fraud. These institutions have failed me
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

I am part of the XXXX XXXX XXXXXXXX XXXX agreement due to fraudulent practices by my college, XXXX XXXX on XX/XX/XXXX when I enrolled in college, and pressuring me to sign for an unnecessary private loan with Navient. https : //navient.com/about/ The navient loan is crippling me in debt as even though I have been paying for years, the original balance of {$19000.00} is at XXXX as of XX/XX/XXXX and keeps going up. I was falsely promised by XXXX admission counselors that I would be making XXXX XXXX XXXX XXXXXXXX after graduation and was forced to sign for the Federal and then this private loan as well. 

Emails are attached. I am still paying my 20+ yr private loans where I struggled for years to make payments and continue to do so. And this financial struggle continues as I make the private loans the balance keeps going up, while I have a family to support, crippled with bills. The University deceptively and without my consent pushed me to sign for this private loan with Navient and since XXXXXXXX XXXX XXXX  approved it for the federal loans, I am requesting the same with the private loan.
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MN)

Multiple times I would keep getting a " technical difficulties '' message and could hardly work around their site. As a result, I was not allowed to make payments ( in addition to my auto-enrolled payments ) for weeks at a time. This impacts me in that I should have had lower principal being impacted by interest. By now it's a couple hundred dollars that I am behind due to their site issues. It is a complete joke to have  a website and have it have no capabilities. 

Additionally, their website is so poorly laid-out and managed that you will have no idea what your payments are and how they are being applied ( principal vs interest ). 

They have a secure message option on the website, but they are incapable of responding via email through this option - you will only receive auto-replies that include symbols making it appear as if this whole thing is a scam ( still not convinced it isn't at this point ). 

These auto-replies are only capable of saying TD Auto can not respond via email and you must call them ... which is a waste of time, unless you enjoy sitting on the phone for an hour to remedy absolutely nothing.
Consumer complaint received 2022-01-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IL)

I have had a mortgage with Caliber Home Loans since XX/XX/XXXX. We have always paid our mortgage on time, albeit with some payments after the grace period during the month. In XX/XX/XXXX I had to pay a big XXXX XXXX bill and had not received an expected reimbursement from my employer for work related expenses. So we had to pay our mortgage later in the month than expected. 

On XX/XX/XXXX I set up a payment to be made on XX/XX/XXXX. I set the payment up on line and received a confirmation from the company. ( Confirmation number XXXX ). My pay check was deposited in my account on XX/XX/XXXX and I had a balance at that time {$8000.00}. My regular payment is {$2700.00}. 

I had assumed the payment was going to be processed and did n't think about it again until I looked for it having cleared my bank on XX/XX/XXXX or XX/XX/XXXX. I saw that it had not come out yet, but I thought maybe because of the XX/XX/XXXX holiday it had taken longer than usual. I then did n't think to look again until XX/XX/XXXX. When I saw that it still had n't cleared I called the company up to see why they had n't processed the payment. They said they did n't see that I had ever set up a payment. 

I had actually taken a screen shot of the confirmation of the payment and so I asked them to research the payment with my confirmation number. They told me that the payment had been set up and then immediately cancelled by me. I told them that I never cancelled the payment and they had an issue with their computers and was basically accused of being a liar. They told me to call back the next day. I immediately set up the payment again and followed up the next day with another person at Caliber. This person actually did call me a liar and said it would be easy to set up a payment then cancel it and say you had made a payment. I asked for a supervisor and was put on with a gentleman by the name of XXXX. He said he would research the issue and get back to me. He never did, but I was able to get his phone number and call him back. He said he had not heard back from XXXX but would call me when he heard something. I 'm still waiting for that call. I 've left two voice mails for him too. 

This is an awful company who does n't feel accountable to it 's customers and I would go so far as to say has disdain for them. I now have a negative credit report for my mortgage. I am trying to refinance with a new lender. I 'm outraged at being accused of lying about something like this when they made the mistake.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank disabled my credit card around XX/XX/XXXX, because there were international transactions that were not conducted by me ( at least this is what they told me, saying someone tried to swipe my card in XXXX or XXXX ), to protect me, which is good. 
However, Chase decided to close my account around XX/XX/XXXX without telling me any reason, while I was away with no knowledge, and when I came back, Chase told me that since the account had been closed over three months, they could not give me the rewards points I earned for about 3 years, which was over {$1000.00}
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MS)

I have a collection account which occurred in XX/XX/XXXX after I felled to pay a cell phone with XXXX. XXXX provided its customer with an options no pay on cell service during the pandemic when we were out of work but they came back and wanted large payment on the account in which I couldn't afford so I lost my service after being a loyal customer for almost a decade. They assigned the debt to Amsher Collection agency who said I owed {$3500.00} + in. I requested a bill outlining what I owed this amount for on many different occasion but I stilled haven't received one. I saw where this showed up on my credit report in XXXX of XXXX. I contacted them again asking for a outline of my charges because it was way higher then {$1700.00} XXXX originally owed the collection lady said she was sending it out, so I started making payments to clear the {$1700.00} for now in XXXX of XXXX because it was affecting my credit score. I still never received the outline of charges. In XX/XX/XXXX, I accepted a 50 % pay off in which they said they would report to the credit bureau the account paid in full. I paid {$500.00} on XX/XX/XXXX, but was unable to pay the {$1100.00} + on XX/XX/XXXX and they wouldn't extend the offer until XX/XX/XXXX stating it was for only 30 days, I said oh well, Ill would just take the matter to court, after speaking to the Manager name XXXX who talked very rude to me. Now they have updated the credit bureau saying the accounted was assigned to them in XXXX of XXXX which caused my credit score to drop 16 points due to this false information. It appears as if it was just assigned to them and its a brand new debt. I contacted them and disputed this incorrect information. XXXX stated XXXX took the account away for a short period and reassigned it back to them in XXXX of XXXX. I have filed a dispute with the credit bureau about the incorrect information on this account and they keep disputing it as accurate. I have no billing information to dispute this account with and Amsher has never provided me with any. This a case pf unfair business practice and is using our personal and credit credentials as a pawn to try and make us pay something we dont owe. I contacted XXXX and couldn't provide me with another credit agency that this account was with. They resubmit the information to the credit bureau so they will continue to show as a high impact and recent debt to affect the consumer from getting new credit when the collection is actually an old and incorrectly charged debt,
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (NV)

I'm a victim of identity theft and I do not have any signed contracts with any collection agencies regarding this account from XXXX XXXX XXXX XXXXXXXX. I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and XXXX  has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Consumer complaint received 2022-10-07
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. (PA)

I pulled my credit report back in XXXX of XXXX  and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, XXXX and Transunion requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from Transunion, XXXX or XXXX. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between XXXX and XXXX and the payment history reports collection/charge off on XXXX, however on XXXX it is completely blank. For the debt in the amount of {$780.00}, on my XXXX report the last date of activity has XX/XX/2022, but XXXX has XX/XX/2022. And again, the payment history reports collection/charge off on XXXX, however on XXXX it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. Transunion has XXXXXXXX XXXX has XX/XX/2022 and XXXX has XX/XX/2022. For the payment history, Transunion is blank, XXXX is reporting on time payments an XXXX is Blank. i have included all the letters i have mailed along with screenshots of my report.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (SD)

My mortgage is serviced by M & T bank. On XX/XX/XXXX I set up automatic direct deposit for my payments. They claimed to have sent me a letter on XX/XX/XXXX stating that the direct deposit was would deposit XX/XX/XXXX instead of the Mortgage payment due date of XX/XX/XXXX. I did not receive this letter. I contacted the bank on XX/XX/XXXX via email and then by phone as I was confused about the payment process. I was directed to their servicing department. I was told everything was ok. Eventually in XXXX I received a phone call asking me to contact M & T bank. They stated I was behind on my mortgage payments. They said that they had not received payment. I disputed the credit report and paid my mortgage that day. They denied my request to amend my credit report. They stated that they sent a letter to me stating this which I did not get. They also said the website clearly states when the payment is due. It is actually confusing and I called to make sure everything was set up correctly. They gave me the wrong information. When confronted with this the supervisor says " I cant speak to this ''. However, they should have record of the conversation.They also stated that they called me to contact me about my late payment. I did not receive a single notification via mail, email or phone about my late payment and they had the wrong phone number on file. I have attached phone records indicating I received no phone calls and email records indicating I recieved no emails about my late payments. In addition I received no letters.
Consumer complaint received 2022-10-07
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a CapitalOne Quicksilver credit card, it was perfectly maintained never get late payment. The card expired in XX/XX/XXXX, I waited for couple month but didn't not receive any replacement card ( which other companies always do month leading to expiration ), I then requested replacement card on their website, another month passed and I never receive my new cards to this day. XX/XX/XXXX, CapitalOne closed my account due to inactivity.

I can not use the card because CapitalOne never send me my renewed card after the one I have expired 20 month ago, and this should not be the reason my account is closed without notifying me 30 days before they made the decision.

I would like to reinstate my account considering the impact to my credit score due to its impact on my average age of account.
Consumer complaint received 2022-12-01
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-09
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: Experian Information Solutions Inc. (VA)

hello, I have sent several letters to the creditors and the bureaus about unauthorized inquires that shows to be on all 3 of my credit report. On XX/XX/2018 and XX/XX/XXXX I sent certified letters to all three credit bureaus and all creditors that showed on my report to show me proof that I authorized these inquires and no one send proof. I am Requesting that they show proof that I authorized theses inquires or have them deleted.
Consumer complaint received 2022-11-30
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. (GA)

In an attempt to pay a {$2500.00} vendor invoice received via XXXX, upon checkout I was solicited by XXXX to utilize the XXXX option for the billed amount. 

Upon applying for the solicited proposition, I received a notification that additional information was required. 

Upon calling XXXX, I was notified by their representative that the amount requested was not within range of the allowable limits within the program and that the cap was {$1500.00} I was more than welcome adjust my amount requested down to the allowable limits of {$1500.00} XXXX explained the problem in this was that I'm very credit conscience and the negative impact I'm facing is a new a inquiry for each of the three credit bureaus, lowering my credit score as a result of the solicitation for an amount under their program that I was never eligible for. 

My request was that the hard inquiries be removed as I was solicited under a false/unclear pretense of " bait and switch. '' The response received was along the lines of ( paraphrasing ) " You'll know better next time; you should have read the fine print before applying '' " Caveat emptor - or " buyer 's beware '' in a sense. 

I explained there should be such a necessity when your company solicited me directly for the amount that was clearly disclosed on the invoice for an amount that you knew exceeding the guidelines of the program. 

After a few rounds of attempts to convince me to apply for the available {$1500.00} to which I vehemently denied as I had other payment options, I requested to speak to a manager.

The manager XXXX would not address the reason I was solicited in the first place and backed up the position that the hard inquiries could not and would not be removed and after a long pause, he just hung up.
Consumer complaint received 2021-09-24
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: AMERICAN EXPRESS COMPANY (NC)

Opened an American Express Credit card with an offer to receive {$200.00} statement credit and XXXX XXXX XXXX miles after I spend {$2000.00}. However, after I made the {$2000.00} expenditure I did not receive the bonus. AMX told me I was not eligible because I had a card several years ago and it states that in the terms. However, I told the that I have a XXXX XXXX and relied on their customer service representative who told be I was eligible by then. AMX said they would check the call recording and if that was true they would give me the bonus. However, I never heard back from the. My credit card number is XXXX.
Consumer complaint received 2022-05-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.