davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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: NEW YORK COMMUNITY BANCORP INC (NY)

The New York Community Bank have stated my due dates were the XXXX of every month. Due to my daughter being ill I spoke with them having finacial problems yet they did not waive any of the fees. Though during these hardships, I have even accepted the late fees during the covid times and paid it off. I was late XXXX month ( the month of XXXX ) and proceeded the payment on XX/XX/XXXX and from XX/XX/2022 I recieved a notification from XXXX saying my credit got deducted XXXX points. 
I called the customer service of New York Community Bank on XX/XX/2022 from XXXX to XXXX and they hung up on me twice. Once for no reason and second, saying the credit services were closed and could not do anything to help. We asked when they would call us and if they could call us tomorrow and the representative stated that they could not guarantee us a call back tomorrow or within this week.
Consumer complaint received 2022-07-21
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: Bread Financial Holdings, Inc. (VA)

I received an email on XXXX XXXX stating that my old Victoria secret credit card was no longer valid, that I needed to activate my new chip card I received in the mail. It had a button to click activate now, below that said need to request a new card with the number to call. I didnt recall seeing a new card from them so I instantly called the number listed ( XXXX ). I told the lady I never received it and she proceeded to tell me that a bunch of peoples cards were lost in the mail and I appeared to be one of them and it was no problem that she was going to get my card out. Then she said she was having some computer issues and was going to escalate it to another department and I should have my card in about 7-10 days. Two days later I get alerts from my credit cards reporting a new inquiry from Comentiy bank. I instantly called them because I NEVER consented to having my credit pulled nor was I ever made aware. Since when do credit card companies do a hard credit pull to send you out a replacement card. Never did I ask to increase my limit or anything that had to do with my actual credit other than requesting the card that I never received in the mail. Ive had this account since XX/XX/XXXX. I was told I needed to send a letter to tell Comenity bank what happened and it would be removed. I mailed them a letter XX/XX/XXXX. It has yet to be removed! Still never received my new chip card either!
Consumer complaint received 2021-10-27
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am submitting a complaint against TransUnion regarding their failure to properly address my dispute letter sent on XX/XX/year>. In this letter, I requested an investigation into inaccurate items on my credit report, including accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy record numbered XXXX. Additionally, I disputed unrecognized inquiries and incorrect personal information listed on my report. To assist in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. However, I received a response from TransUnion dated XX/XX/year>, stating that they couldn't process my request because it didn't appear to have been sent directly by me or a properly authorized third party. This response is unacceptable, as it implies a lack of effort on their part to conduct a reasonable investigation into the accuracy of the disputed information, as mandated by the Fair Credit Reporting Act ( FCRA ). Enclosed with this complaint are copies of my dispute letter sent to TransUnion, along with their response, as evidence of their failure to adequately address my concerns.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I was sent an electronic check by XXXX XXXX for a new job by XXXX XXXX. The check was for {$650.00}, once that amount was deposited into my account. I was then told to send {$600.00} one of the companys vendors for equipment to XXXX va XXXX. On XX/XX/XXXX, Chase rejected the check withdrawing {$650.00} plus return fee and an overdraft fee from my account. Despite me calling multiple times asking for help since it was a scam and I was a victim Chase said there is nothing they can do but expect me to pay the amount owed. I filed a police report as well but nothing will be done by chase to help me.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Used a XXXX transaction through my bank, Fifth Third Bank and was scammed for {$900.00}. Filed a dispute and the bank closed it because they could not refund the exchange. 
There is no warning on the XXXX app or through my bank to not use the app for receiving payment when selling an item to a stranger. 
I want a refund from either the bank or XXXX as I am on a fixed income and can not afford to lose any money.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquiry XXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within XXXX  days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (OH)

Acima credit XXXX  XXXX  on XX/XX/XXXX reported {$1600.00} balance on my credit report, dispute was filed yr XXXX on XX/XX/XXXX updates balance {$1500.00} and pass due amount {$1100.00} - Im requesting this debt collector to validate by original contract, signature and dollar amount change including personal information. Dispute with credit bureaus or by mail have not validated debt with documents of my signature or specifics of debt
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX ACCOUNT : XXXX To my surprise, I noticed on my XXXX report and other consumer reports that this account is not reflecting any late payments. However, on your report the account is reflecting a 30 day late payment on XX/XX/XXXX yet that is not 30 days late because the prior month of XXXX was also paid on time. This is clearly an error. I ask that you please update this account to " Paid as agreed '' updating the incorrect XXXX late payment.
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ARS account resolution reported {$1200.00} balance on my credit report, dispute was filed yr 2021 on XX/XX/21 updates balance {$1200.00} Im requesting this debt collector to validate by original contract, signature and dollar amount change including personal information. Dispute with credit bureaus or by mail have not validated debt with documents of my signature or specifics of debt
Consumer complaint received 2017-09-19
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. (NY)

Equifax, has been reporting items since 2012 on my credit report that do not belong to me. I have been asking them to remove these items year after year but I guess because I can not afford a lawyer they just ignore my request. I am a single mother my XXXX XXXX XXXX and this all has me stressed to the max. I have told them repeatedly that I am a victim of identity theift and they have done nothing to help me. I have sent in police reports dr reports of what this is doing to me and XXXX XXXX. I ca n't even move because of all the fraudulent credit inquires they have listed on my report which all the other agencies have removed accept equifax. I feel like my rights are being violated and they just ignore me because I do n't have a lawyer. But I plan on contacting the local news stations in the matter because it 's been yrs and I keep spending money writing them with no response to solve the problem. I want those XXXX  credit inquires removed off my report as they are fraud as well as everything else I wrote them and requested.
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I have a XXXX XXXX loan issued in XXXX. I requested a COVID forbearance allowed under the federal CARES Act. The forbearance was granted by the prior mortgage servicer who recognized the account as a federally backed loan and subject to the CARES Act. However, when the mortgage was transferred to a new mortgage servicer in XX/XX/XXXX the new servicer denied further forbearance stating the account was not a federally backed loan and not allowed CARES Act considerations. I repeatedly contacted the servicer in attempts to get them to manage my account as a federally backed mortgage. Finally, because of a dispute filed with the company 's dispute center, I received a response on XX/XX/XXXX that included information the account was being serviced as a Government Sponsored Enterprise ( GSE ) loan. However, the mortgage servicer had already ILLEGALLY begun foreclosure procedures on XX/XX/XXXX still denying the CARES Act protections and has charged my account for expenses related to the illegal foreclosure proceedings.. Yet, the mortgage servicer still has not acknowledged the error in it's managing my account nor removed my account from foreclosure status and refuses to remove the associated expenses charges from my account per a dispute center response from the company on XX/XX/XXXX. After several more attempts in XX/XX/XXXX with the relationship manager assigned to my account the mortgage servicer finally offered a loan modification option but continues to deny the CARES Act option of deferral of the forbearance amount. Per CFPB guidance and federal legislation a deferral is intended for those who can resume the established mortgage loan payment while a loan modification is intended for those who need a payment reduction. I've stated that I can resume the established payment. The loan modification offered by the mortgage servicer actually INCREASES my mortgage payment. The mortgage servicer is using the threat of foreclosure to force me into accepting illegal options and illegal expenses. I want the mortgage servicer to 1 ) place my forbearance amounts into a deferral to be paid at loan ending, 2 ) remove my account from foreclosure status, 3 ) remove all expenses associated with foreclosure proceedings including advances, home inspections, attorney fees, etc. and 4 ) bring my account current so that I may resume making the established monthly payment.
Consumer complaint received 2021-08-15
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: Credit Plus Inc (CT)

Never applied with mortgage with this company or company for that matter.I have requested for this to be removed for over 9 months and nothing has been done.I do not have a Mortage nor did I apply for Mortgage.
Consumer complaint received 2018-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation (CA)

Recently my family have been faced with unavoidable documented finacial hardships. My Wife "  XXXX XXXX '' and I, informed Avant of our finicial hardship. We ask Avant to work with us and informed XXXX of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Avant to work out new repayment terms. We were unable to to Pay the Current excessive interest rate on our loan and we were unable to Pay current excessive monthly payment.. I was incouraged to reach out to all lenders to work out to Avant to work out a fair affordable repayment plan prior to Chapter XXXX bankruptcy. 


I also let Avant know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate and loan origination fees. 
Avant has also threatened to sue me and refused to work with me. 




Avant refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. 
Avant is refusing to work out an affordable repayment plan so I can avoid XXXX XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by Avant I feel Avant took advantage of a Veteran who had a credit score of XXXX when I was provided an excessive interest rate and loan origination fee 's on my loan and with excessive montly payments on a {$2500.00} loan. Unfair lendin I was never sent a default letter my email nor by mail, Avant is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan. 

Loan # XXXX
Consumer complaint received 2017-01-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

I made two extra payments for {$2000.00} and {$2100.00} to my car loan ( # XXXX ) with Ally on XX/XX/XXXX and XX/XX/XXXX respectively. When the payments posted to my account Ally charged me interest for each one. 

On XX/XX/XXXX I contacted XXXX separate Ally representatives ( XXXX and XXXX ) via Ally 's account chat feature to request that the extra payments be applied to principal only. The reps said they would apply the total amounts to principal. The XXXX representatives stated that any future extra payments that I want to make to principal only can be accomplished if I make a request after the payment by phone or chat and then they would adjust the payment to apply to principal only ( chat sessions attached ). 

On XX/XX/XXXX I viewed my account to make sure Ally had applied the extra payments to principal but instead they had added XXXX confusing transactions to my account and I could not determine if the amounts were applied to principal. Furthermore, there is no itemization on my account which shows how each of the transactions affected the principal amount. 

On XX/XX/XXXX I telephoned Ally and spoke to XXXX ( refused last name ) and she avoided my question multiple times when I asked her to explain why they created the XXXX additional confusing transactions for just XXXX payment adjustments. The descriptions for the transaction types vary greatly and they make no sense considering I only asked for XXXX simple payment adjustments. They include " online payment reversal, '' " unpaid balance reduction, '' " payment for check reversed, '' and " insurance payment. '' I then noticed that one of the interest charges ( {$3.00} ), for one of the extra payments, was credited and debited 5 times but in the end it was not reversed. XXXX, contradicting what the other XXXX reps told me, said Ally only applies extra payments to future payments, applies daily interest to the extra payment, which pushes back my payment due date. XXXX said that even if I request the extra payments be applied as principal only, interest will still be charged despite what the other XXXX reps told me. 

All the above actions by Ally are just a tactic to optimize the interest they earn on car loans. Furthermore, for XXXX Ally representatives to say principal only payments can occur and a third that says they ca n't is very suspicious.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I purchased my home in 1999 for approximately {$120000.00} ( + rehabilitation amount ). 
My mortgage was transferred several times. After 22 years of paying my mortgage, Mr. Cooper is reporting my remaining mortgage to be in excess of {$120000.00}. That amount is incorrect!
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

I recently got behind on my mortgage by two months. I've been trying since then to catch up on my mortgage payment. Carrington mortgage will not give me any information to catch my account up to current standing. They are starting to send me lawyer paperwork which they did three years ago, cost me extra $ XXXX. They keep trying to take my home! I need the balance to bring my account current which they will not provide! I have and can pay immediately. Help! Please, Thanks!
Consumer complaint received 2021-03-27
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: Shellpoint Partners, LLC (SC)

Shellpoint mortgage servicing increased balance after I disputed incorrect balance and the refuse to correct after months of disputes. Sent me a nasty letter! All I wanted was the correct balance reported. There is report showing current but balance is more than it was in XX/XX/2019 after all payments have been made on time there is a XXXX discrepancy and XXXX  bases score on outstanding debt my score went down after they increased my balance please help trying to get my kid a house thank you
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MO)

My wife and I closed all associated accounts with PNC bank after a stolen purse. The afternoon the purse was stolen, we put a freeze on all account and fraud warning were issued. The following day we opened brand new accounts. XXXX  days after opening the new accounts, a bank teller at a branch XXXX hours away gave the fraudsters access to our new checking account using our closed checking account checks. They then let the fraudsters drive away with {$2500.00} of our money. It is now going on XXXX weeks and no one has any answers for us as to when we will receive our money back. The customer service is horrible. The local branch has no answers, the territory manager has no answers, the XXXX people I have talked with at executive consumer relations has no answers.