davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

This letter is to serve notice of an error that occurred and a demand to resolve. 

On XX/XX/2021 the merchant, XXXX by XXXX deposited/credited a total amount of {$9200.00} into my personal checking account. I noticed after checking my account balance on XX/XX/2021 that- {$9200.00} was debited from my personal checking account by the merchant XXXX XXXX XXXX. I reached out to the financial institution, Navy Federal on XX/XX/2021 to request an explanation of why funds were reversed/taken. The explanation the representative of the financial institution, Navy Federal Credit Union provided me was " The merchant has up to 180 days to go into your account and settle any issues. '' I had to leave this issue right there after that exchange, because I felt, that what was being told /stated was in good faith the correct and right information, however on XX/XX/2021 I contacted the financial institution, Navy Federal and spoke with XXXX XXXX who informed me that she is no aware of such a rule that a merchant has up to 180 days to settle an account. I was faberglasted, confused and now determined to get to the bottom of this. 



As of today, XX/XX/2021 this matter has not been appropriately addressed. I want to have this resolved, as I believe this was an EFT error on the financial institute, Navy Federal. I would like to know ; ( 1 ). Why was I not given prior notification by phone, email or text of the EFT transaction that took place on XX/XX/2021?, ( 2 ). Does a merchant indeed have access to my account for 180 days in order to settle any discrepancies?, ( 3 ). Who authorized this EFT transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized EFT? 



I find that the financial institution, Navy Federal is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, Navy Federal pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/2021 and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, Navy Federal. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, Navy Federal to perform an EFT of my personal checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved.
Consumer complaint received 2019-08-05
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (NC)

On XX/XX/272019, I requested Nicholas Financial to send me any documentation via mail that legally allows them to report to my credit report.  I have yet to get a reply to this letter.  I sent an additional request for the same information on XX/XX/2019, and again, received no response.
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (NY)

On XX/XX/XXXX, I initiated a dispute in regards to a negative remark on my credit report. However, Exeter Finance is reporting an old unpaid debt on my credit report. This debt was settled with XXXX XXXX and Exeter refuses to update to paid or remove account from my report.
Consumer complaint received 2020-02-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

On XX/XX/2020 I received a frantic call from the mother of my nephew who said that some lady had just contacted her to tell her that i would be arrested and that charges would be brought out against me at XXXX county if i didnt call them. Then i called them back i was transferred to a guy and he said three charges was being filed against me by ACE CASH Express unless i pay them {$140.00} dollars. This caused so me so much stress and made me so afraid. So i quickly called around and ask my family to let me borrow the money and made the payment because he said i would have to pay XXXX dollars in legal fees.
Consumer complaint received 2019-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (AR)

I purchased my home in XX/XX/XXXX. One Month later the bank transferred my loan to XXXX XXXX and they increased my payment to XXXX from XXXX. I'm on a fixed income and this was a shock however I paid it. In XX/XX/XXXX, I was notified by XXXX that XXXX hadn't paid the house Insurance and if I wanted to keep my car and house Insurance, I would need to make a XXXX payment for XX/XX/XXXX. At the same time, XXXX sent a statement to me that I would need to pay XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to offset a deficit in the escrow. Being on a fixed income I had NO WAY to pay both XXXX and XXXX in the same month. I couldn't didn't have that much coming in. I started looking for a part time position to help supplement my income. 

I paid XXXX for XX/XX/XXXX. Kept my house and car Insurance. In XX/XX/XXXX, I contacted an Arkansas Credit Counselor in which she helped me try to straighten out what was going on with XXXX XXXX and why XXXX wasn't getting paid. After 2 weeks of calls with both her and I on the phone with AmeriHome we find out that 2 (  twice ) XXXX had sent XXXX a check to pay for the Insurance however without my Account number on it!! So each time it was returned. Because of XXXX demands that I pay XXXX for 3 months due to their error, it went unpaid due to lack of funds. 

Midland Mortgage took over my account and I also took in a roommate to help with that note. I had XXXX  XXXX in late XX/XX/XXXX which didn't help matters. 

I began to pay the XXXX. After those 3 payments were past, I began paying the XXXX a month payments while being considered for a FHA Home Affordable Modification loan. I kept my payments coming in. 

In XX/XX/XXXX, I was notified that my application was approved. And payments of XXXX would need to be made from that point on til XX/XX/XXXX. Which I completed. 

I was notified in XX/XX/XXXX that I was approved for the FHA Affordable Modification Loan Program to be effective XX/XX/XXXX. Payments of XXXX. All would be caught up and a zero negative balance. 

XX/XX/XXXX and XX/XX/XXXX are paid. My credit report should reflect this. 

My Credit report states that I did not make my mortgage payments at all. Lord knows I did. I need to have this credit showing. 

I have included all of my receipts for the payments that I made. I realize that I was behind from not paying XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however with Midland Mortgages help I was able to get back on my feet again. One does not set out to purchase a home to just lose it a year later. 

Thank you for your time. God Bless
Consumer complaint received 2023-01-12
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  name : has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MD)

I previously spoke to XXXX in the Call Center after receiving my XX/XX/XXXX statement in the US mail ( post XX/XX/XXXX close date ). The call into Customer Service was likely Monday XX/XX/XXXX. I had adjustments made for Late Fees/Finance Charges due to the conversion from XXXX XXXX to Comenity Bank. XXXX advised during that call that I would also receive XXXX bonus XXXX Reward Points. As of today, those XXXX bonus points have not posted to my XXXX account. Please investigate. 

I followed up via Comenity Bank 's Secure Mail feature on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The agents who respond to my secure mail continue to re-direct me to XXXX. The issue is XXXX can not apply points for something they are not advised to do so from my credit card company. My view is Comenity promised me these XXXX bonus points, so therefore XXXX needs to take action to contact XXXX on my behalf and get these XXXX bonus points applied. 

See XXXX reward points per my XXXX Rewards account : Date Details Points XX/XX/XXXX Points Earned for Entertainment purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Everyday purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Restaurant purchases on your XXXX Card XXXX XX/XX/XXXX Reward XXXX XX/XX/XXXX Reward XXXX XX/XX/XXXX Pass ( Purchase Power ) XXXX XX/XX/XXXX Pass ( Activation ) XXXX XX/XX/XXXX Points Earned for Entertainment purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Everyday purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Restaurant purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned XXXX Card Purchases XXXX XX/XX/XXXX Points Earned XXXX Card Purchases XXXX
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Southern Management Systems Inc. (IL)

I am submmiting this complain about a collection on my credit report placed by Southern Management Systems , Inc. for XXXX at XXXX XXXX XXXX. I was looking for apartment in XXXX 2016 and was interested in XXXX at XXXX XXXX XXXX, but later on my plan changed and I was no longer moving to XXXX. XXXX did sent me the lease contract for me to sign, but because I didn't have my guarantor sign his portion, the lease was not completed, which XXXX said that '' your lease is not complete until the guarantor portion of the lease paperwork has passed '' in their email too. However, few months later, I saw a collection placed on my credit report with a balance of {$2300.00}, and I start to receive harassing calls from the collection company, Southern Management System. I had no idea what was going on with this collection, so I called XXXX at XXXX XXXX XXXX and they said because I have a lease signed. I explained to them that I never have the lease completed and I never moved in, they did not give me any resonable explaination.Their word was against what they said in the email, and they did not give me any notification before they illegally sell my information to the collection complay, Southern Management System. This is unacceptable.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (MO)

Was contacted by this company one year after visit to hospital from an accident. Hospital bill was covered and when sent a single statement in return I sent a letter and filled out the information for my insurance XX/XX/2019. During three phone calls I was told that they did not receive the information. I asked all three times for a new statement which they said that they would just wait twice, the third time I was directed to a website and told I could submit my insurance information there which was untrue.
Consumer complaint received 2017-06-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In  XX/XX/XXXX  we initiated a Modification of our mortgage through Bank of America and the Making Home affordable program.   We received a letter  XX/XX/XXXX , that The Home Affordable Modification Program " Has expanded its Pay for Performance incentive to include an ADDITIONAL {$5000.00} payable after the six year anniversary of your Trial Plan Effective Date.   We were very excited to receive this letter, however, Noticing it says " additional '', I looked up the   XXXX   XXXX   XXXX  , To see what the incentives were and found that we were to receive {$1000.00} per year for each of the first five years of our modification if we made our payments on time. We did not receive, so I called in  XX/XX/XXXX  to inquire as to why we did not receive the {$1000.00} per year, each of the first five years. We did receive it in  XX/XX/XXXX .   Now, our sixth Anniversary of o ur Trial plan has come and gone and I have reached out four times to four or five customer service representatives to inquire about the " Additional Incentive '' and have been told three different reasons  why it has not been applied to our mortgage. According to   XXXX   XXXX   XXXX   It says Through the Home Affordable Modification ProgramSM ( HAMP ), you could earn up to {$10000.00} in principal reduction just for making your mortgage payments in full and on timeup to {$1000.00} per year for the first five years and a {$5000.00} one-time payment at the end of year six. After year  six,   yo u may be  eligible to recast ( or re-amortize ) your reduced mortgage balance to further lower your monthly mortgage payment for the life of the loan.   We were also told we qualify for the incentive, but have to Recast the mortgage to receive? According to the  XXXX   XXXX  and   XXXX   XXXX    Bulletins, We may b e " offered '' to Recast, but it is not mandatory to receive the second incentive. We were told it was by a Bank of America Representative  (   XXXX   ) i n the  XX/XX/XXXX  call, recorded by your company at  XXXX   XXXX .   Any help in solving this issue, is greatly appreciated.
Consumer complaint received 2021-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

Loan was originated with XXXXXXXX XXXX XX/XX/2020, and serviced by XXXX XXXX XXXX. We were notified the loan servicing would be transferred to XXXX XXXX effective XX/XX/2020. The payment was sent using XXXX  XXXX XXXX XXXX XXXX XXXX service XX/XX/2020 for a XX/XX/2020 arrival date. As of XX/XX/2020 they XXXX customer service claims to not have received the payment and have assessed a fee. I reached out to XXXX  and was given all the information, Conf #, date mailed, address ( confirmed with XXXX ), dollar amount and loan account #. All this information was provided to XXXX through their email resolution team. I followed up this morning and was told a copy of check front and back would be required to perform research, however if a check has not been negotiated, I can not provide copy front and back.
Consumer complaint received 2020-02-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (PA)

On XX/XX/2019 we purchased a home with Financed of america mortgaged was are lender. we Harley had not that much communication by face to face only by phone and email. we did the settlement and was not explained that much information on the papers we signed and we didn't know about the two mortgages that we signed. One month later we received a paper from a company called state bridge its a company that is a collector we called because it was a bill on the amount of XXXX. we were told that its a loan that we took out for the house. we told them that we never asked for a loan for the house we were told that we only need so much down. But the XX/XX/XXXX said that finance of america mortgage does not tell the people that they need more money for the down payment so they go ahead and take out a loan in are name with out telling us.. we were never told about anything in the prepossess of the house. we think this is a fraud of this company to take out a loan with out are consent. that's why i think this company should be investigated we are not the only one that finance of america mortgage does this to us its been done to other people and they have to pay for a loan that they never asked for. the day of settlement we were not explained anything on the papers that we signed or why we had two mortgages. everything was a go go and never explained any paper worker that we signed. and they also threat you that if you don't give them information so that they can do their closing by such time that they will proceed with that if you don't give them the documents they have the option to pull the note meaning that your loan will be due in full. this company is a fraud and i think it need to be investigated.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Hi i am an XXXX XXXX veteran who has spent the last 8 months paying off every bit of credit debt i have. Student loans, deliquent debt etc. I am needing my score to equal XXXX so i can use my VA loan for a home purchase. I have battled with XXXX XXXX transunion and XXXX about the lopsided effects happening to my credit score. For instance on the verge of reaching the XXXX goal my credit score dropped 120 pts for no apparent reason setting me back months erasing every gain and putting me farther behind. Just recently i finished paying everything off expecting a similar jump in score and my score only moved 10pts after clearing XXXX $ worth of debt from my name. What is going on with our credit system how can i obtain answers and a remedy so i can no longer be homeless.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (OK)

This collection was removed from my credit and now, after 6 months, it has been put back on. The collection agency is showing opened XX/XX/XXXX and they are not showing a date of last activity with XXXX XXXX in XXXX XXXX, XXXX. This medical debt is from XX/XX/XXXX and they are showing it was turned opened XX/XX/XXXX.
Consumer complaint received 2021-08-24
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 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (CA)

On XX/XX/2020 I received notice from Contract Callers, Inc ( CCI ) ( dated  XX/XX/2020 ) stating that I owed a debt from a recently closed XXXX   account. I had previously received a notice from XXXX that I was owed a credit on the account - so I called XXXX to find out what happened. 

I called XXXX and verified my XXXX balance  ( with a credit ) and they stated that a statement and check was mailed to me earlier in the week -- and if I didn't receive it in a few days that I can go to a XXXX XXXX  XXXX  ( there is one near my  house ) to get an updated statement balance /account history to verify that I had never been delinquent in payment. They also stated that they did not see any collection information in my account - and the woman I spoke to said that she had never heard of Contract Callers, Inc. 

I called Contract Callers Inc - and they confirmed via phone that my account had been sent to them in error by XXXX, that XXXX had " taken it back '' and I could disregard the letter. To ensure that I had covered all my bases, I asked to receive an updated statement balance from CCI stating that there was an error/XXXX balance or that my account with them was closed/returned to XXXX -- and they said that they could not do that. 

The two individuals I spoke with ( XXXX XXXX and XXXX XXXX ) both said that they were not able to do anything except collect balances and even though they could see my account information and share verbally what happened with the error and XXXX balance - they have no way to verify it with me in writing and suggested that I can take their word for it. It is worth noting that both individuals were professional and kind in our discussion - it just seems ridiculous that the company that they work for has policies that prevent them from helping customers resolve and document their accounts.