davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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 — Their investigation did not fix an error on your report
Company: MARINER FINANCE, LLC (MO)

XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account MARINERFIN. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the parties.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern : I have just received my credit report and noticed there are several inaccurate items on my report as follows : I request that you remove immediately the following fraudulent inquiries from my credit report. 

XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

I anticipate your response and an updated copy of my credit report. 
I have enclosed a copy of my Drivers License showing proof of my current address as proof of identity. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American is charging me for " residual interest '' but can not produce any documentation, disclosure or terms and conditions for the card, talking about this residual interest. 
The bank representative and manager told me I was supposed to hold on to the paperwork I got with my card when I first received it years ago ; they said that was the only way for me to get the information. I had this card for years and do not have this hard copy of the disclosure. They later told me I could get a copy of the disclosure if I applied again for the same card, because I would received another hard copy withthe new card. This did not make any sense. 

The representatives later admited that this information " could '' be in the paper bill but it is not in the e-Bill, which means costumers ( like myself ) who choose e-billing per the bank 's recommendations to go green, are not informed about this residual interest calculation either. So, I am being charged residual interest when I have no access to any information on it. 

I had a {$0.00} balance since XXXX/XXXX/16 and Bank of America charge me " residual interest '' in their statement for the cycle that closed on XXXX/XXXX/16, 3 weeks later. 

I had this card for years under the impression that as long as I paid off my balance before statement closed I did n't have to pay interest for that period. No one at Bank of America has been able to produce any documentation stating otherwise. 

I am being charged interest on a {$0.00} balance, based on policy changes that I was never informed about by Bank of America, and they refuse to provide any documentation related to these interest calculation practices. 

Thank you. XXXX
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (NE)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have contacted both USAA and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by USAA that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (FL)

The CFPB has the bad habit of closing a case immediately when it receives a response for the company complained about. Case in point : on XX/XX/2022 I filed complaint # XXXX because of a fraudulent billing. On XX/XX/2022, you received a Company 's response, clearly identified as an Intern Response which indicated their compliance people were looking into my complaint but needed 60 days to do so. You sent me a copy and immediately closed the case. To prevent future issues, I immediately went to the credit card company and BLOCKED the account. The bill due date was XX/XX/2022. Now I am receiving late payment notices and the balance has increased from {$56.00} to {$120.00}. How did a BLOCKED ACCOUNT go from {$56.00} to {$120.00}, if no activity was allowed on the account. I have no indication of what the additional {$66.00} is supposed to from. I did not use the card! I must close this account immediately, please help me do so. Do not close this complaint until you receive a Final response for the Company.
Consumer complaint received 2022-02-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (VA)

Hello, My loans are showing as having late payments. I found out when the mortgage company sent me my credit report. One loan has 5 late payments and all the others have one late payment reported. My loans were in a grace period or Administrative forbearance during the time the late payments are reported. I have attached the dates to this and also the information AidVantage sent me
Consumer complaint received 2015-04-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Oxford Law, LLC (PA)

I have been receiving relentless phone calls from a company that call themselves " the law firm '' upon a search of their telephone number I have found that their true name is oxford law firm and they are a debt collecting company. They have threatened to show up at my home and job and have now began calling and harassing my family members daily. When asked to provide a written legal document regarding the supposed debt I am told an email will be sent ( although I am requesting mail ) but one have never been received. I am told in first call that I have 30 days and following calls that I must pay full balance of supposed debt immediately or my file will be signed off on by the office attorney.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a new bank account with Huntington bank, I was sending money from my old bank account to my new bank account with Huntington because my paychecks still get deposited into my old XXXX so I can not close it yet. Huntington processed my first XXXX checks, but put the XXXX one on a fraud hold. They said the check bounced but the money never went back to my old account. Huntington also closed my account and now will not release my funds to me. Thats XXXX dollars of money that I can not get ahold of. I have bills and kids, they tried to repo my car because I couldnt access my funds to pay it. They will not work with me in any way even though I have already explained the situation and proved that I am who I am and it wasnt fraud.
Consumer complaint received 2022-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I the federal protected consumer or natural person pursuant to 15 USC 1602 ( g ) submitted a loan application for a {$100000.00} consumer loan and was denied based on credit which is violation of 15 USC 1691c. USAA Federal Savings Bank is in violation of 15 USC Code 1642, USC 1681 and 12 cfr 1002 because I, the consumer made an application in good faith, but funds were not issued.
Consumer complaint received 2019-02-26
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: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies
Consumer complaint received 2017-07-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

My payment became in to repayment status in XX/XX/XXXX or XX/XX/XXXX. Within those 2 months the interest rates on my loans rose twice. I called a Navient representative that reassured me that my loans could only go up twice a year. I recently received a correspondence in my email stating that my bill was ready for viewing. Upon viewing my bill the interest rate rose again on two on my loans from 14.00 to 14.25 and on the other 11.00 to 11.25 percent. I noticed that the loans were going down u til interest rate changed. My payment went from XXXX to XXXX in a matter of six months. According to representative there is no program that will feasible payments or payment plans because they are privater loans and the interest rate is set by the lender. I am a XXXX XXXX for the City of XXXX and all my other loans qualify for the Public Service Loan Forgiveness program.
Consumer complaint received 2016-09-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I am disputing account number XXXX with Midland Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Midland Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Waterfall Revenue Group (NJ)

XXXX XXXX, 2015 I called into A-1 Collection Agency to make a payment with XXXX XXXX XXXX ( ext. XXXX ), per an agreement from the prior month, that was confirmed by XXXX ( ext. XXXX ) whereby I paid the balance of one account off that would be removed from my credit report as a courtesy, and would begin a repayment plan in the amount of $ XXXX/month on the other account, preventing negative reporting on this account. XXXX XXXX ( the only name given to me ) stated XXXX XXXX was on leave & he 's the person I would be speaking with. I proceeded to inform him of my previous discussions, and he stated that I had been reported negatively to the credit bureau. I informed him that I was told that would not occur. Then I asked if the calls were recorded, and XXXX XXXX got upset stating that he was going to hang up on me for using abusive language. Not once did I use profane, abusive, nor threatening language. I simply inquired about the different information that I had been given from the young ladies versus his statement. He declined to inform me what was abusive about my language. I was practically pleading with him because it was as if he just snapped. I informed him that he would be reported if he hung up on me for no reason, and he proceeded to do so. I called back todayXX/XX/2015 and dialed the extension of XXXX, who had assisted me a few times before, and I was cold transferred to XXXX XXXX. I did n't speak a word to him, and ended my call because it was clear to me that he has flagged my calls and are having them routed to him. He is an abusive collector who uses his tone to intimidate, speak to, and treat callers poorly. All I want to do is pay the bill. Please have this call pulled and have XXXX XXXX reprimanded for his poor and threatening behavior. His methods are abusive, and he 's playing bully collector. He did n't have to call me to collect because I was calling in to pay. He declined to allow me to speak to a supervisor, and hung up on me.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Navient/XXXX missallocated my payments in a way that I would have to pay them more, they refused to move the money around and told me they could essentially put my money where ever they wanted. I then protested paying them building up interest over time. Also, every time I tried doing income based payments they said they only offered forbearances.
Consumer complaint received 2016-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (CO)

This complaint is related to my efforts to file a loan modification application, statements made by the bank to me about whether they would forestall the foreclosure, and irregularities I noticed. Caliber Home Loans sent me a modification loan application which I filled out and mailed back. I received a letter from Caliber stating I did n't send my pay stubs or completed the forms and that I had 30 days to get back to them- the letter was dated XX/XX/2016. But I did send my pay stubs along with the budget and forms filled out and signed when I originally mailed them back. So I called the bank to let them know I was faxing the papers over but alos wanted them to know that I have a copy of the application in front of me and I sent them everything. While one the phone with them they said the house is in active foreclosure scheduled for XX/XX/2016. I asked Caliber to please stal the foreclosure while they review my paper work but they could n't give me a yes or no answer that my loan application has been expeditied for review. 
I sent documentation that the bank is denying was received. Which has occurred before. Sometimes a CFPB complaint will get the bank to stall a foreclosure.
Consumer complaint received 2016-04-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I reported in XX/XX/XXXX against a furniture store to Bank of America and XXXX XXXX that the furniture store would not accept a return I asked for reporting the item was defective and fraud. I was assured that the charges would be reversed under such conditions.. A banking representative indicated all she needed was a statement in order to reverse charges for a refund, which I did. I made several attempts to return a Mattress, several phone calls, etc. I am requesting my funds to be reversed back in my checking account. The bank indicated too much time has lapsed when I reported this issue in a timely manner. 
As a consequence, the merchant had every excuse not to return the Mattress. 
A Banking representative even contacted XXXX XXXX and everyone at the store indicated that he or she can not speak English. However, on the contrary ; the furniture store ; in particular wrote in English and XXXX who answered the phone wrote the order. 
Recently as of yesterday ; the bank stated that my charges could not be reversed due to a time-lapse. I wrote all my statements and provided information in a timely manner to Bank Of America. Bank of America has insurance for such claims. Bank of America reversed the charges from my checking account in the amount of {$580.00}. 
This has been going on for seven months, and this claim should have been resolved. 
The Merchant even indicated to the Bank that I am enjoying the mattress ; which I never used and welcome the opportunity even today for XXXX XXXX to pick up the Mattress. 
I contacted the Merchant immediately after receipt of this Mattress, and the merchant was very uncooperative, and I could not even speak to a representative which is unethical business practice and fraud.
Consumer complaint received 2017-07-25
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. (NC)

My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information,  I do not have an original account with them or any signature saying they could collect on me. I asked for validation  and verification from the debt collector according to FDCPA rules.  They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance.  This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.
Consumer complaint received 2022-08-10
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. (MD)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 an 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

Why is the CFPB inept at handling complaints against OCWEN? I am being forced to sign a modification in which I lose over $ 50k in equity - despite taking OCWEN to US District Court, our family does not have the resources to continue the effort so we have to settle! Where is CFPB in all of this?!? I have filed several complaints and have heard NOTHING.

OCWEN has violated our rights under nearly every piece of legislation out there including my protections while XXXX as a XXXX XXXX in a XXXX XXXX and their agreement with the 50 states. 

We can show that we made every payment early or on time, many times in excess of the amount owed. Despite this OCWEN has reported us late many times, including times that XXXX serviced the loan! 

OCWEN foreclosed on us TWICE concurrent with their own proffered modification process- in one case congratulating us for earning a modification and foreclosing on us ON THE SAME DAY!

After taking them to US District Court in Colorado they offered us another modification as a settlement. This modification seeks more money than we owed IN 2005. 

So- the wrecked our credit, cost us thousands in fees and damages credit, ruined our lives and our health, and CFPB does nothing. We really need your help NOW. We have ALL the proof, we can show their illegal and unethical practices using their own paperwork ... and weve done everything we can to bring these scoundrels to your attention and that of the State District Attorney.

But it doesnt matter if yall sit on your backsides and watch my family lose everything. Shame on you and XXXX your ineffective methods. I hope they erect a statue on the site of your building so I can at least have something tangible to look at and give me hope.