davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WI)

I am resubmitting a complaint which relates to a previous complaint that was filed ( XXXX ) and closed without any contact with me ( from cfpb ) regarding the resolution of the problem. 

When my initial complaint was filed regarding my inability to make multiple payments from different accounts, I was contacted by someone from Barclay that stated they would look into the matter. I was in fact able to make multiple payments once again ( only over the phone ) from different accounts for a couple months. Last month, when making payments over the phone I was unable to do so and had to schedule payments over the course of multiple days since they only allow two payments a day. By not being able to pay my balance in full on the due date, it caused me to incur interest charges which I don't feel I am responsible for since their system is not allowing me to pay in full. When this happened previously, Barclay waived the interest fees. I have not spoken to them for the current charges as of yet. Either way, I don't have time to waste every month dealing with this issue. 

I would appreciate if this problem with making payment can be resolved once and for all. I would also appreciate if the cfpb does not close out a case without speaking to the complainant first.
Consumer complaint received 2022-09-06
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC ()

Loan Number : XXXX Date : XX/XX/XXXX Loan Provided by : A & XXXX MORTGAGE XXXX ( NMLS # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Property Address : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXXXXXX XXXX XXXXXXXX Apartment is for rental purpose. 
Last year XXXX, XXXX XXXX sold to another company " Specialized Loan Servicing LLC '' XXXX XXXX changed our new : loan number XXXX without informed us by XXXX, no Cell/phone call, no notice or letter at all, We registered with XXXX XXXX XXXX XXXX our data and address is XXXX XXXX Only XXXX Tenant informed us the XXXX is being service Notice for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Loan Serving. 
Monthly mortgage payment/ {$2300.00},, Since XX/XX/XXXX there is XXXX XXXX XXXX XXXX until now XXXX, total XXXX  months plus {$25.00} XXXX total {$19000.00}. 
XXXX XXXX, XXXX XXXX XXXX phone numbers : XXXX XXXX, we've called many days ( long distance call XXXX XXXX XXXX ), could not get through! 
www.sis.net, we don't get no relpy at all. 
Since they canged our loan numbers last year without even informing us, I try offer to send the outanding XXXX XXXX {$19000.00} to resolve XXXX problem They just don't comunicate or answer us. 
We registered with XXXX XXXX, our address : XXXX XXXX. Email : XXXX XXXX XXXX, XXXX XXXX Sir, XXXX, please respond to us as soonest as posible
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (VA)

I submitted a payment on line yesterday ( XX/XX/XXXX ) for {$2200.00} for my mortgage # XXXX Dovenmuehle Mortgage Inc, it was deducted from my account at XXXX Bank on XX/XX/XXXX ( routing number XXXX, act XXXX, confirmation number XXXX ), and as of today XX/XX/XXXX at XXXX EST, Dovenmuehle has not received it. I made the payment to count for tax year XX/XX/XXXX, and the money appears to have disappeared into thin air. I checked on line at Dovenmuehle, and there is no record of having them received the payment, I called XXXX at XXXX x XXXX, she does not answer, left a message, and have not heard back. I called Dovenmuehle at XXXX and they deny receiving the money.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT WAS DELETED FROM MY FILE BY XXXX  AND XXXX  BUT TRANSUNION IS STILL SHOWING IT ON MY REPORT.
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.
Consumer complaint received 2015-04-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I was denied a loan modification from my bank. I was not given a detailed explanation over the phone by bank representative XXXX. Also I did not receive anything in the mail about my loan modification being denied. If I did not call in to ask I would have not known anything. XXXX said they have to mail me a letter because she could not see a denial letter in my file that she could have emailed to me.
Consumer complaint received 2015-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Solutions To Portfolios, LLC (CA)

XXXX XXXX, claiming to be from STP assoiciates continues to call me at work and call several relatives. I told them to send a debt validation letter and to only communicate with me via US mail. She refused, saying she could call who she wanted, and that this would be a criminal complaint. I reiterated that if there was, indeed, a debt owed, that she should send me a debt validation letter via mail, and she said she would 'just send a summons ' and hung up.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

Received a CHIME debit card in the mail that I did not ask for or want.I called their customer service # XXXX XXXX XXXX it was answered by a XXXX.I 've requested a call back and have not received same.The robot did identify me based on my home number.It appears that someone is attempting to open an account in my name in order to redirect my income to a XXXX XXXX  account routing # XXXX account # XXXX 've emailed XXXX XXXX to try and stop any activity.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

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

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

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

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

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-05-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

Company name- NCFINANCIAL , date start. XX/XX/2019.amount XXXX  $ .that loan cause make pay bill hospital ... when they talk in phone every month XXXX , 3 years .... im believe whatever they say and signature on agreement with online.. then on agreements 5 years payment ... im really dont know ... they charge every by-weeks charge auto payment ... right now i dont any income and i have close my checking account cause of dont have any income.. then im already email let then know cause of ill be little bit late payment .... but they say there will be action for thet.. and im never have late payment then already pay over one years.. but the amount its still look like same ... .. XXXX maybe. I had payment credit card and auto loan and not safe employee, cause of that payment right now XXXX  XXXX XXXX  part time and have to still with my mom have really bad XXXX problem .... everytime need somebody have to care her ... i dont have full time job and dont have not much income then alot payment .... thats cant pay NCfinancial last month ... please help me im have give time for my mom really have XXXX XXXX problem thats y. Please
Consumer complaint received 2017-04-30
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: Kimball, Tirey & St. John LLP (CA)

Details Last Reported XXXX XXXX, XXXX Collection Agency KIMBALL TIREY & ST. JOHN Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks I notified the manager that she had renewed my lease with the wrong date and she never fixed The apparment building become a XXXX with XXXX in and out I told the building manager I had to move the new residents and guess violated the non XXXX XXXX lease and I have a XXXX XXXX who almost got attached in the elevator by one of the guest and I moved when my lease ended ( the actual lease date ) The manager never amended the lease and put me in collection
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CO)

This COMPLAINT is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

Please accept this as a formal complaint against Experian Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : this account is scheduled to continue on record until XX/XX/XXXX - comments : transferred to another lender ' is erroneous because the house that I owned was short sold back in XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On the XXXX and XXXX of XXXX bank account was overdrew twice by more than 200 dollars. I don't know how that happened. Only a bank officer can do that. I don't have any arrangements with the bank to pay money that is not in the account. 

This is an inside Job, because I covered the money, to avoid my account to be closed.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (FL)

I have been calling three different numbers XXXX, XXXX and XXXX since last week. I even called early this morning just to avoid any traffic. NO ONE picks up!!!!! The app and website went through a so-called upgrade and honestly it doesnt seem that way because why cant I f easily locate where to access and download my statements??? Thats 's all I wanted to do since last week, but neither the app, the website nor the useless FAQs could help me. The option is not even there!!! Unfortunately this problem is not the first time Ive encountered it - I need my statements ASAP!!!!!!!
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IN)

I purchased airline tickets on XXXX airline for a flight on XX/XX/2016 with a XXXX credit card in the amount of {$490.00}. When attempting to take the trip, XXXX said that the bank declined the payment and it was necessary to purchase the tickets again. The airline tickets were purchased again for travel on XX/XX/2016 with a Chase credit card, but the tickets now cost {$610.00}. After the trip I followed up with XXXX and they confirmed that the purchase was valid and that XXXX did get paid. I opened a dispute with Chase for the amount of {$610.00}. Afterwards XXXX refunded {$490.00} to Chase - not {$610.00}. I followed up with Chase and explained that the more expensive amount needed to be refunded in full. Chase informed me that the dispute remained open and nothing was due on the card. Chase subsequently charged me a late fee of {$25.00} and has indicated that payment is past due on my credit card.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (UT)

Navient has bee n reporting late on my credit every month for the last 6 months  XXXX . I have not been late, I have been making a payment monthly, per our consolidation agreement. It has now been paid off through the program I was on but the late payments are still reporting. They told me multiple times they would be deleted because I have been making payments. I did as I was advised to do and I assumed you would follow through with your end. This is seriously affecting my credit as I have a f ew Navient loans repo rting and all of them have late payments.
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I applied for and received a Care Credit charge card app 4 years ago. It allows up to 2 years promotional balance with no interest fee if paid off by end date. It is ( was ) specific to medically related charges only. I did get a renewal card again app 2 years ago and renewing was no issue The process to renew this card was simply sign the back of the new card and call the 800 number to activate. 
Several months ago I received a notice with a new card that told me to sign the back and activate as usual. I did so, thinking it was time for renewal again. There was the usual multi-page document enclosed which I BRIEFLY looked at and put aside. It said Care Credit on it so I followed their instructions. 
When I was about to throw out the paperwork, I noticed something unusual. It was a notice on the very back that said once you signed up for this, you could not change anything. As i panicked and read further, I saw that it was now a XXXX XXXX Care Credit card and no longer offered the promotional balance as with the original Care Credit Card. 
I immediately called the customer service number and was told since it had just been a matter of minutes, they would switch me back as I was such a valued customer. 
This never happened. They told me they would re-open the original type card with a new account number which would take about a week. After two weeks I called to report I hadnt received my card and they said they were unable to reverse the error. I now was stuck with a XXXX I did not ask for or want with a revolving account. A totally different kind of card than the original Care Credit. 
Both cards are identical other than the small double orange circle in the lower left. I never even noticed the symbol as I was used to the general appearance of my original Care Credit cards which is almost identical to this one And the bills also look identical. It doesnt even noticeably say XXXX anywhere on it. 
I believe this is so deceptive of both companies. I dont even understand how they can combine like that. The address for the bill is the same. Theres no particular caveat when you open the envelope ; its still the same look as with the original card.. I tried cancelling it but I have the promotional balanced still to pay. And they will not let me open another Care Credit that IS NOT a revolving card. 
These cards are 2 completely different animals providing a totally different type of service. It seems just another a bait and switch scam, Thank you for your attention.
Consumer complaint received 2018-03-18
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: Credit Plus Inc (MA)

On XX/XX/XXXX my credit report is showing inquiries from CREDIT PLUS company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of company - CREDIT PLUS Date of Inquiry Type of business XX/XX/XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
Consumer complaint received 2016-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (TX)

ARA Collections has been calling me every 10 mins looking for my ex husband and I have told them I am not married to him nor do I need to receive calls from them. They called 10 times with an hour and a half. They are rude threatening and demanded I speak to my ex. This is un acceptable business practice. I called the number they gave me requested to be removed from the list immediately and they continue to call. 

These people are so rude, threatening and this is not acceptable. They need to stop calling me.