davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (AZ)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-06-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

MyFedLoan has been withdrawing automatic payments of {$410.00} in accordance with their direct debit procedures since XX/XX/2019 and they continue even when an account is paid ahead. Their website specifically states if you wish to have an additional amount paid on a specific loan, you must pay online, mail, fax, or email your request. I am in paid ahead status and based on my XXXX XXXX debt elimination strategy I have been logging in online to pay {$100.00} extra towards three specific loans. 

On XX/XX/2019 MyFedLoan applied my direct debit payment differently than specified on their agreement with me. I was logging in to make my additional payment and I noticed the discrepancy, so I called. MyFedLoan 's solution is to take my account out of paid ahead status. I am concerned that the incorrect application will continue as per their website, paid ahead should not be an issue. 

I feel that this is a way for MyFedLoan to get more interest from me and they are using deceptive lending practices. The payment of {$130.00} is to go towards my largest student loan with the highest interest rate, but instead it went towards a smaller loan. 

I want this published as any direct debit user who wants to eliminate debt quickly may find that their payments are not being applied in accordance with their agreement.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I received a repayment plan from Select port Folio stating when the first payment is due. The payment amount I was given exceeds the payments that is within the guide lines of the mortgage modification payment. I feel I'm being discriminated against and being treated unfairly. I m aware of the guideline and the Consumer Protection oversight for mortgage modifications. I want to pay my mortgage and become current on my mortgage. 
Please help
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MI)

I have not been provided verification of debt by Debt collecter LVNV FUNDING LLC. I do not owe a balance of {$690.00} I am still receiving email & letters stating I pay before legal action is take.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 

4. Identity Theft NAVY FCU Account Number : XXXX This is not mine.
Consumer complaint received 2019-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XX/XX/XXXX I was sent an offer from Capital One to apply for a credit card. Upon submitting my application, I was approved for a Secured CC. I was advised at that time that I would be considered for a credit line increase, to be switched to an unsecured account within in 5 months, and that this was a procedure done to establish a relationship between Capital One and myself. I did receive the credit line increase, but the account status change didnt occur. Ive reached out Capital One multiple times over the span of our two-year relationship to inquire about my account being switched from secured to unsecured. On XX/XX/XXXX I reached out to Capital One to make a final inquiry about my account being upgraded. I spoke with Senior Account Supervisor XXXX @ approximately XXXX XXXX EST. XXXX continuously advised the me to apply for a new account stating, its much more difficult to have your account upgraded to unsecured than it is to apply for a new unsecured account. I specifically asked XXXX does Capital One periodically upgrade secured accounts from secured to unsecured? XXXX response was yes but not at this time. Ive had my account in GREAT standing ( never missed a payment ) throughout the entire time of my account history. The only recommendation the anyone at Capital One has made is for me to apply for another account.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2019, I received a call from Chase Bank 's Correspondence Department, asking me to update details on a credit card account that I have previously reported to the FTC as fraudulent. After giving my statements to a certain XXXX  ( ID # XXXX ) and XXXX ( ID # XXXX ), I was transferred to Chase Bank 's Fraud Department to give my report. The agent, named XXXX ( refused to give her ID # ), asked me basic questions such as my name, date of birth and address, to which I answered. After that, XXXX told me that she would connect me to a person who could help me with my fraud report, then put me on hold for around 5 minutes. XXXX came back and simply said that Chase 's Fraud Department can not help me with my problem since I know the person who stole my identity and my credentials. I find this very appalling considering that she went on record to say that she would " connect me to a person who could help me ''. This made me very upset and questioned XXXX as to why she would say that statement and would not even follow through. To make matters worse, I was going to ask what other steps I could do to file my fraud claim but XXXX decided to hang up. Now I am at a loss at what to do.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (NY)

Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. American Express Index XXXX. 

I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by XXXX debt buyer attorneys. I have never received any information regarding anything from this XXXX at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. 
I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I called Equifax XX/XX/2021 to update personal information and have adverse information removed from my consumer report. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. A total of three agents also refused to remove adverse information and reports that I never provided written instructions for Equifax to furnish to their consumer reports pursuant to USC 15 1681b.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC. (NJ)

I am trying to pay off and outstanding collections balance of XXXX ; which is reflected on my credit report. I reached out to the company to settle the bill and they said this account is no longer under them. 

I would like the item removed from my credit report until the correct company handling the debt notifies me. Its sitting on my credit report and im unable to take action on it/pay it I would like this resolved as Im trying to purchase a home.
Consumer complaint received 2018-01-14
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. (GA)

Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify XXXX  and Experian of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am disputing my Bank of America HELOC loan ACCOUNT # XXXX. 

Bank of America Home Loans has notified me multiple times that my HELOC mortgage is at a zero balance. Multiple times they have offered to mail me a paid in full letter and release of lien letter. I have written correspondence dated XX/XX/2016, from Bank of America XXXX Home Equity Line of Credit servicing company, stipulating the following : If you have a second mortgage Once your first mortgage is permanently modified under HAMP, a second mortgage on the same property may be eligible for a modification under the Second Lien Modification Program ( 2MP ). 

My lender advised me numerous times that my HELOC had a XXXX balance and had been charged off and that my debt on the referenced account was eligible under the United States Treasury 2MP guidelines for a full extinguishment of my HELOC loan. 

I have been misled, decided, and discriminated by Bank of America.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I have a loan with SELECT PORTFOLIO SVCIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SELECT PORTFOLIO SVCIN and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and XXXX and SELECT PORTFOLIO SVCIN with no successful resolution. XXXX, XXXX  and XXXX reporting me 30, 60 and 120 days late from XXXX to XXXX. There was an error on their part. I was never 30, 60 or 120 days late.
Consumer complaint received 2023-06-12
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. (GA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-06-25
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. (MO)

All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 1 ) XXXX ( XX/XX/XXXX ) 2 ) XXXX ( XX/XX/XXXX ) 3 ) XXXX  XXXX ( XX/XX/XXXX ) 4 ) XXXX/ XXXX ( XX/XX/XXXX ) 5 ) XXXX / XXXX ( XX/XX/XXXX ) 6 ) XXXX  ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-04-18
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. (FL)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX   XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX  Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXXS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX.   XXXX. I have reached out to my local police and FTC. I'm doing this on my own.
Consumer complaint received 2021-10-18
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. (GA)

I was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX Department Store -- -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used XXXX services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX  is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (IL)

I sent a letter to CREDCO dated XX/XX/XXXX that my credit reporting shows two inquiry from CREDCO. They have pulled my credit twice and I don't have any business with them. 

The 2 hard inquiries was apparently made on XX/XX/XXXX and XX/XX/XXXX. I requested to validate and show me who authorized those inquiries. They keep ignoring my request to validate. I need for them to remove ALL from the credit bureaus.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called my bank for my debit card to ask them customer service was rude to me I wanted to know when my card will be contactless with tap feature they were rude and hung up on me and didnt provide a response not nice I want contactless so when you make a purchase you tap instead of inserting the chip but they dont understand or know what this is when other banks already have this technology
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (UT)

In XXXX of XXXX I closed on a construction loan to build my home. I am a builder by profession and built this home for my personal use. The construction loan was a 5-year ARM in the amount of {$410000.00}, intended to be modified to a conventional 30-year mortgage at the end of one year. The appraised value to the property and proposed structure at that time was {$470000.00}. I put down approximate {$40000.00} in cash. Construction of the home was completed in XXXX of XXXX. In XXXX of XXXX the loan was modified to a 30-year loan in the amount of {$390000.00} ( I didn't use the full amount ). The servicing was then transferred to XXXX. 

In XXXX of XXXX, knowing that my principle balance was approaching 80 % LTV I contacted XXXX to request what date the PMI would automatically terminate. They responded in an official email that date to be XXXX of XXXX. 

XXXX then transferred the servicing of my mortgage to PHH Mortgage. I contacted PHH in XXXX of XXXX to confirm cancellation of my PMI on the aforementioned date. After much waiting and following up they told me my PMI would not be cancelled unless I went through the process of obtaining an appraisal or sending in a principle reduction payment of nearly {$50000.00}. After lengthy inquiry I was informed that the value of my home was assessed as the amount of the modified principle balance at the time of the mortgage being modified to a 30-year term ( {$390000.00} ).  Because the home was constructed for myself there was no sales price, therefore they arbitrarily took the mortgage amount as the value instead of the appraised value. 

I do not know why PHH insists on the value of my home being the original loan amount. I strongly disagree with their position as to the value of my property. A recent appraisal obtained for other purposes indicates the property is now worth {$530000.00}. Unless PHH is in possession of documents I do not have, I can find nowhere in my original closing documents or modification documents that indicate the change in value. 

Further, in response to my inquiry as to why PHH is not honoring the date given by XXXX, they point to a statement in the email sent by XXXX that if a modification happens the termination date will be recalculated. However, the modification occurred with the local bank in XXXX before the loan was ever sold or servicing transferred to XXXX or XXXX. And the letter from XXXX was in XXXX of XXXX. They point retroactively to that modification as to why they will not terminate PMI. I find this explanation fraudulent and deceptive in nature, hence my appeal to the CFPB for relief.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (NY)

This bank charged me a maintenance fee and refuses to waive it as a courtesy not fair Im a loyal customer also I called customer service because I saw an add that they will issue contactless debit card with tap technology and asked when it would be available she said she dont know how can you not know
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I have been a quality Discover Card customer for over a year. I have a XXXX balance and a {$9000.00} line of credit. I was asked for my tax returns and or XXXX months of my checking account statements ( rather intrusive if they are questioning that I am who I say I am ). 

I provided all that was requested to include XXXX months of bank statements which was also notarized. I was subsequently told the notary did not put their address on the form and they were not accepting it. XXXX XXXX XXXX XXXX and there is NO requirement for a Notary to put there address on any form -- their notary number is sufficient to verify that this is a legitimate Notary. 

Discover then ran a hard pull of my credit ( making me lose points ) and then denied it. Closing my account at the request of the creditor will make me lose more points. 

A quick review of Consumer Affairs websites will show CFPB this is happening hundreds of times a day. 

I am most willing to assist in any suit the federl government seeks to bring on behave of this class of consumers. 

XXXX XXXX XXXX. XXXX