davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint against Bank of American for identity theft, mail fraud, wire fraud and other crimes. 

On XX/XX/2019 BOA AGAIN pocketed my mortgage payment via company called " XXXX XXXX XXXX '' which is also known as XXXX. 

I demand explanations why my mortgage payments which suppose to benefit XXXX XXXX investors end in BOA deep pockets and create them handsome income. 

My payments to XXXX were pocketed by BOA in the same deceptive manner.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

I was at work on XX/XX/XXXX can prove that and i received alerts stating someine was withdrawimg funds out my account without my permission i dont know who the person is or how they got my information but they took a total of XXXX and my bamk is trying to say it was me whem i told them it was not me i want to prosecute whoever it is or they find out it is well they said they found no error and i am just out of XXXX and there nothing that can be done the company is netspend prepaid card
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I had a credit account beginning in XX/XX/2015 with XXXX/SYNCB and when I became XXXX XXXX military, i had no way to pay my debt on that account. During that period, my account became past due and eventually was closed by the creditor.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WY)

Well with all do respect, I did twice talked to the XXXX in XXXX XXXX XXXX Utah about this when it first came out asking them to help me removed/fixed because it was not mine and i was told they were going to looked at it and let me know but they never did. Then i received letters from collection companies to pay more than XXXX XXXX dollars of medical bills which does not belong to me and i have called the collection company ( IC System Inc ) twice asking to dispute because it was not mine, I remember asking twice for disputing of the same claim and so far nothing has been done to it. This is within the last 5-6 years I think and still today its been ruining my Credit Report.

IC System Inc collection company. 
So please Im asking for help to see if this can be removed off of my credit report as soon as you can with all do respect, appreciated.
Consumer complaint received 2022-08-17
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: CARRINGTON MORTGAGE SERVICES, LLC (VA)

I have been communicating with Carrington Mortgage about a mortgage assistance application since XX/XX/2022. Carrington Mortgage always made it seem like there something else that was needed in my mortgage assistance application. They would inform me to call them, however, the phone numbers listed are not working numbers. In XX/XX/2022, I started receiving notification about foreclosure options. When I emailed & called Carrington Mortgage, they would inform me those are standard notification and it doesn't mean anything. I continued to follow Carrington Mortgage guidelines of what I was informed, however, Carrington Mortgage processed my payments for amounts they knew were too high for me to afford. I called them immediately and ask for my options. The information I was told was to complete the Mortgage Assistance application again and let the underwriters fix everything. The action that Carrington Mortgage took was reporting " Default '' on my credit report for my mortgage, while I have my mortgage assistance package submitted to them to start making mortgage payments again. Carrington Mortgage seems as if they are mimicking the same actions negative actions they are in class action lawsuit of charging customers {$5.00} of servicing fees in online & phone payments. Carrington Mortgage representatives do not all have access to view attached documents but are allowed to provide information that is misleading since they all can't view attached documents.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (AZ)

I filed a Complaint : XXXX CLOSED STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase or transfer On XX/XX/XXXX, I was arrested in the parking lot, on an outstanding warrant for a Probation Violation where I was living at the XXXX Motel in XXXX, AZ. All my clothes, hygiene, dog, wallet ( with my Card com card, my XXXX XXXX  card, my XXXX XXXX, my AZ DL, and cash ), laptop, etc. were all in the room at the hotel. I was incarcerated at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at the hotel when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX XXXX, XXXX. Since I was incarcerated, with NO access to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on XXXX separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim. 

NEW CLAIM : Card.com paid me {$630.00}, which was for transactions that occurred while I was incarcerated. However, there are still several transactions that occurred while I was incarcerated, that were not reimbursed. There still is an outstanding balance owed to me of {$1000.00}. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Selip & Stylianou, LLP (NY)

Selip and Stylanou LLP - XXXX XXXX XXXX demanding debt due now Im on XXXX due to medical reasons so my funds flow is very low.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (IL)

For several years during the period between XXXX through XXXX Santander Consumer USA Inc. made auto loans it knew low-income and subprime borrowers could not pay. Santander violated consumer protection laws by locking subprime borrowers into loans it knew, in some cases, carried default rates of greater than 70 %, according to a statement from California Attorney General XXXX XXXX. California was joined in the suit by the top lawyers of 32 other states and the District of Columbia. Santander reached a {$550.00} XXXX dollar agreement to settle charges. The lender is set to pay consumers {$65.00} XXXX in restitution. The bulk of the settlement- {$470.00} XXXX comes in the form of loan forgiveness.I have submitted requests to all credit reporting agencies and the company to have this matter removed. to date no changes have been made.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On XX/XX/2021 chime bank suddenly Closed both my checking and savings accounts. The checking with over XXXX and the savings with over XXXX. I was asked for documents proving my address, the funds deposited and even tax information which i promptly sent on XX/XX/XXXX and for almost 3 weeks everyday i sent it again and again and asked for updates. I continue to only get automated email responses and no one who answers will give me answers and i have gotten any refund check. In fact they sent an email saying they have closed my account and its no explanation and i have not gotten my funds back. I am a single mom. I can not pay my rent or buy my childs medicine which i have also explained.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

On XXXX I emailed XXXX XXXX, CEO XXXX XXXX, Operations Director ; XXXX XXXX, XXXX XXXX, President, XXXX XXXX XXXXs and XXXX XXXX, Chief Global Operations Offices informing them that my FCRA rights has been violated. I have requested on several occasions that Equifax investigate my credit report because they are incorrectly reporting that my account with XXXX XXXX is open and that I owe the creditor over {$60000.00}, which is not true. Each time I request an investigation Equifax sends me a response stating that my disputed item was verified. Also Equifax would not verify items I asked them to verify, for example I asked that they verify the " Status '' of the account they would verify and update the account " Status Date '' I've also repeatedly requested that they provide me with the method of verification, including the name and address of the contact person and I have never received the requested information. 

Shortly after I contacted XXXX XXXX, CEO I was contacted by a customer service rep from Equifax during our conversation she asked that I provide her with the name and contact information of the XXXX XXXX XXXX that helped me so that she can verify my account ; that statement from her seems to be clear evidence that Equifax has not investigated my account. I do not understand why I am being asked to provide your company with verification documentation? Especially after not being afforded the same courtesy after my several request.
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Navient services my student loans. I have tried repeatedly to enter into the income based repayment plan. I have gone through forbearance several times as my income was low and wasn't given another option. I found out about Income Driven plans and asked to be enrolled. My first application was in XX/XX/XXXX. I submitted all information as required. On XX/XX/XXXX, I was advised documentation was missing. I submitted that immediately and nothing happened. I called and was told the application was not processed and I had to do it again. I submitted the second time on XX/XX/XXXX. Again I sent in all information required and again nothing happened. I even received a confirmation email that all was received. I called in twice to check the status and was told to allow 10 additional business days. Nothing happened. When I called the third time I was given another option to consolidate the 2 loans and in the process apply for an income driven repayment plan. I did so on XX/XX/XXXX. The consolidation was processed immediately. The repayment plan still hasn't been approved.

I am upset that for so long when I didn't really have income I wasn't given the option of applying for an income driven plan, but instead continued to be put on forbearance. And now that I have applied 3 times, nothing has been processed or approved. I started this almost 8 months ago and all the while continue to build up interest and late fees.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, an account with Citibank was sold to a third party company named XXXX XXXX XXXX Account was settle with XXXX XXXX, PAID IN FULL. {$640.00} was the amount paid to settle this account. Citibank is still reporting this account as chargeoff/collections account. I have tried contacting Citibank, who in turn, gives me the run around and different other companies to call. My recent call was on XX/XX/XXXX and once again, I was given the run around, transferred from one department to the next, back to the previous department and so on. I went so far as to contact XXXX XXXX XXXX again in regards to the status of this account. I take great value in my credit and have made my mistakes. I would just like this situation cleared up. I am waiting on a company of the Paid in Full letter to be resent to me.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information off my credit report. I ask that these fraudulent charges be removed from my credit file as soon as possible. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit so that these charges can be removed from my file because it is hindering me.
Consumer complaint received 2021-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (HI)

In XXXX, my XXXX XXXX was repossessed due to the apartment complex towing it because they said i did not have a registration sticker. The cars tags were current and i left on XXXX XX/XX/XXXX. The Apartment complex towed my car while i was away i did not return until XX/XX/XXXX and the XXXX XXXX XXXX company sold my car at auction before i returned was i was not notified until i returned. I have disputed this many time and tried to explain the situation i have XXXX order showing i was not in the country to fight this at the time this repo is effecting my security clearance
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2022-02-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

Mr cooper allowed me to participate in a FHA loan modification via accepting my RMA affidavit whit had a hardship affidavit already in it. I purposely waited cause I KNOW HOW SHADY AND SNEAKY THIS COMPANY IS. I waited until the week to show they HOLD documents 3-5 business days FOR IMPORTANT DEADLINES then ask for redundant information just so they can get a tax break form 1122 isn't a requirement of fha to get a modification. Also they want 30 Days paystubs when I given them a copy of my 1099 contract and two different bank accounts with XXXX XXXX in assets I told them i have alternative sources of income which is my co borrowers 1500 monthly ssi the money saved and then when i get my first commission check mid month this month. I even supplied my licensing it showed in effect XX/XX/XXXX of this month and that ive been working with another agency prior for insurance but i didnt make any money. I dont have to do a form 1122I only want to do what the website said to get consideration mr cooper tax deductions need to be out of my affairs ... nobody notified me i logged on myself cause i know how you operate and im sure you would have waited until riday to let me know then id rush to do it on Friday then you deny my on the XXXX cause of your 3-5 business day rule or cause you want me to fill unnecessary forms to appease your accounting department You have a 4056t that i mistakenly put my dat of birth on ( XXXX XXXX XXXX XXXXXXXX ) you have two income sources ( two bank accounts ) Death Certificate copy of my work contract proof that im licensed to be mortgage orginator since XX/XX/2022 and that im gainfully employed QUIT PLAYING GAMES!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 


When i read the bold letters on the Uniform borrower assistance for government loans it clearly states ( 1 ) this completed, signed and dated Borrower Assistance Form ; ( 2 ) completed and signed IRS Form 4506-T ( for self-employed borrowers or borrowers with rental income or if otherwise required ) ; ( 3 ) required income documentation and ( 4 ) required hardship documentation.

the affidavit is already in the original application so why is MR cooper failing me potentially cause i wont participate in this 1122 form? 
why is mr cooper asking for check stubbs for 30 days when there are other ways to show ability to repay loans besides check stubs why is mr cooper waiting 3-5 business days??? ( cause its one of your MANY predatory tactics )
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2022-02-03
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: SUNCOAST CREDIT UNION (FL)

SUNCOAST CREDIT UNION XXXX - reporting a past due balance to XXXX XXXX XXXX XXXX and XXXX XXXX This is against a violation under the FCRA.
Consumer complaint received 2021-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX successful got Experian to remove XXXX XXXX XXXX XXXX from my credit report on XX/XX/2021. I was checking my score online when I noticed that Experian had re- inserted XXXX XXXX XXXX XXXX unto my credit profile without notifying me of this. XXXX XXXX XXXX XXXX was re-inserted into my credit profile on XX/XX/2021. The law states that if an item in re- inserted into a person 's credit report then that person should be notified within 5 days. Its now 8days since the re- insertion of the previously deleted item and I have not been notified by Experian the reasons for this and the documents to prove the reason it was re- inserted into my credit profile 3 months after it was deleted. This is a violation of the law.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I missed one ( 1 ) payment in the 17+ year history of this account, and my credit limit was slashed from {$25000.00} to {$7800.00}. Missed payment was due to a family emergency where I had to travel out of town due to an ill member of my family. Bank of America has failed to recognize my long standing payment record, relationship with XXXX XXXX, and claims they have attempted to contact me when in reality, they have not.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I have been unable to request my report from XXXX, XXXX, XXXX, and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

Good Afternoon, NATIONAL CREDIT SYSTEMS Date opened : XX/XX/2017 Person who is Associated is : XXXX XXXX Asking for amount : {$31000.00} for Original creditor XXXX XXXXXXXX XXXX XXXX Detail : I was not aware of this until recently and XXXX  told me about it when I was doing my credit check and I have no idea this happened before and my identification was used and I did not authorize this. I have disputed with expedience few time and they advised me to file FTD and send them the information.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (DE)

I was supposed to close in my loan this week. On XX/XX/22 I was told from underwriting that I could not close until I paid late fees from my primary mortgage. My loan has been in underwriting for several months and this is the first time that I was told the loan could not close for this reason. I was denied last month as my credit score was too low. I fixed my credit Score and they found another reason not To close my loan.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I contacted TransUnion to dispute the incorrect information being reported on my consumer report. I then sent in a 609 letter demanding validation of the alleged information. I have not had a response from the company. I filed a CFPB report in XX/XX/2023 but the case was closed and no remedy was granted. I have called TransUnion on several occasions after XXXX. I contacted them again today XX/XX/2023 and they advised to send in a 609 letter which was originally done in XXXX, demanding all inaccurate and alleged debt be removed from my consumer report.