davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

I am the victim of identity theft pertaining to a XXXX account which was opened in my name and using my Social Security Number. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The account number has a total balance of {$320.00}. The services provided for this account were rendered at XXXX XXXX in XXXX, Michigan, XXXX. 

Sometime in XX/XX/XXXX, XXXX contacted me via mail to attempt to collect on the balance of {$320.00}. Upon receipt of this bill, I contacted XXXX to inform them that I had been the victim of identity theft. Under their instruction, I completed and submitted an ID Theft Claim Packet, which I sent to them postdated XX/XX/XXXX. 

In support of this packet I provided : 1 ) a copy of my government issued photo ID, issued on XX/XX/XXXX ; 2 ) a copy of a signed lease agreement for my residency ; 3 ) a signed, notarized affidavit by my landlord, attesting to my uninterrupted residence. 

However, I received a bill collection invoice from Enhanced Recovery Company , LLC, dated XX/XX/XXXX which seeks recovery of {$320.00}. 

On XX/XX/XXXX, I contacted XXXX 's Fraud Department, an agent of which informed me that due to insufficiency of evidence, my claim had been rejected and my account had been moved into collections. This occurred entirely without my knowledge, and XXXX 's agent summarily informed me that because the account had been moved into collections, they could not reopen the claim for further evaluation. XXXX unilaterally and arbitrarily moved my account into collections despite their stated policy to contact any fraud claimant within two days of receiving their ID Theft Claim Packet ; that is, XXXX did not contact me upon receiving my packet submission. XXXX 's agent freely conceded as much. 

XXXX now has taken the position that I need to submit an additional ID Theft Claim Packet due to insufficiency of evidence. I oppose this requirement because it imposes an additional burden on me of needless document production and postage, an unfair waste of my time and resources, and I further protest XXXX 's behavior as abusive because they moved my account into collections without providing me any opportunity to provide supplemental or clarifying evidence, which damages my credit report notwithstanding my blameless conduct in fact.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

Penny Mac loan officer called daily soliciting us for a refinance. Once we started the process he called 4-5 times per day asking for upfront appraisal money. He promised a rate based on loan to value and credit scores he already had. As soon as he received our debt card details and charged us the appraisal money up front he stopped returning calls or emails. We informed him he had the loan amount wrong by voice mail, he promised he would make that adjustment by voice mail but he refused to call back. When speaking to the processing team they state they cant reach him either. Our lock expired today with no corrections made yet they raised the loan fees by over XXXX without disclosing them. The processing team is using a system call slydial to leave a voice mail without reaching me to make updates stating the loan officer has yet to contact them. its been 60 days sense we paid {$650.00} for an appraisal yet everything on the loan is incorrect and the rate has expired. They will not provide me with a managers name or number to speak to. They have violated all the disclosure laws
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Hello sir, I have an account at bank of America ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ). 
On XX/XX/XXXX, I went to deposit a check directly to the banker with an amount of XXXX $ ( check number XXXX ) but I found that I got rolled and there is a fraud on that deposit because the banker deposit the amount of XXXX $ what means that the banker took XXXX dollars from my account. Also the bank debited the amount of XXXX from my employer. 
I have been trying to contact the bank and cooperate with no success. I have been told that they will verify and get back to but never gave me my money back since I filed the complaint in XXXX. 
I really appreciate you assistance and help on this frustrating scam matter. 
Best XXXX
Consumer complaint received 2022-10-17
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. (MD)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2017-12-18
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: Experian Information Solutions Inc. (NC)

I have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

I have tried contacting Shellpoint because of this pandemic to no avail. This company has totally ignored the Cares Act about lenders and loan servicers can ' t foreclose on homeowners until at least XX/XX/2020.The Cares Act and guidance from GSEs and the USDA prohibit lenders and servicers from beginning a judicial or non- judicial foreclosure against homeowners or finalizing a foreclosure judgement or sale. This protection began on XX/XX/2020 and extends through at least XX/XX/2020. If you experience financial hardship due to the coronavirus pandemic, you have a right to request and obtain a forebearance for up to 180 days. You also have the right to request to request and obtain an extension for up to another 180 days ( for a total of up to 360 days ). There will be no additional fees, penalties or additional interest ( beyond scheduled amounts ) added to your account. You ( homeowners ) do not need to submit additional documentation to qualify other than their claim to have a Pandemic- related financial hardship. Millions have experienced financial hardship because of covid-19. The Cares Act provide many homeowners with the right to have all mortgage payments completely paused for a period of time. Shellpoint is violating all moriatoriums and executive orders by the president of the United States and all governors in the United States which is violating  my rights and also other homeowners that have mortgages with them.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I opened this account with Lowes on XX/XX/XXXX. On XX/XX/XXXX, I made a large purchase for my new house, {$22000.00}. I was in the process of moving and mail was forwarded. I did not receive my bill until XX/XX/XXXX. This was one day after due day of XX/XX/XXXX. I paid the bill in full ( {$22000.00} ) on XX/XX/XXXX. I was charged a late charge of {$30.00} on the XXXX. On the XXXX, after I paid the bill, the late fee was reversed. Balance was now {$0.00}. On XX/XX/XXXX, 7 days after I paid the bill, I was charged interest of {$380.00}. I called them again and on XX/XX/XXXX they said it was a mistake and reversed the interest. Balance is now {$0.00} again. 
On XX/XX/XXXX, I made 2 purchases {$770.00} and {$42.00}. I received my bill on XX/XX/XXXX ( closing date of bill was XX/XX/XXXX ). I was charged interest on this purchase - 4 days after purchase date- amount of interest was {$10.00}. They said they would reverse the interest. 

This is the fourth mistake in 2 months. Also, when I call up, they request my social security number and I refuse to give that to them.
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/XXXX I co-signed with my granddaughter for a new XXXX which we financed through XXXX XXXX. On XX/XX/XXXX my granddaughter refinanced the vehicle with Navy Federal Credit removing me as a co-signer. 
The account at XXXX was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to XXXX and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. 
I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with XXXX was delinquent and I paid them in the amount of {$560.00}. I told them it was refinanced and XXXX signed for the documents but XXXX does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. 
This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent several certified letters to Transunion, XXXX, XXXX and XXXX multiple times starting XX/XX/2018 to XX/XX/2018 asking them to verify the Chapter XXXX Bankruptcy information in my credit reports. The response I get from them is a letter saying that they verified the Bankruptcy, or it was certified by the Bankruptcy Court, and that it is valid per a third party source. I sent another letter requesting documentation for accuracy, and I still get the same response saying it was verified. So, I sent a certified letter to the courts asking for information on them reporting to credit reporting agencies. I received a letter back from the Bankruptcy Court stating that they Do Not Report, or Verify any information to Credit Reporting Agencies. I then sent the letter I received from the Bankruptcy Court to Transunion, XXXX, XXXX   and XXXX, and they still comes back with the same response, that it was verified. So, if the court did not verify or report the information it should not be reporting on my credit reports.
Consumer complaint received 2018-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (VA)

During my bankruptcy, I try to modify my loan. Ocwen agreed to do so. I did my trail payments successfully and then signed the agreement letter. During this time suddenly Ocwen refuse to do the modification. on XX/XX/2015 they sent me a letter saying that Bankruptcy court denied approving the modification. Since that time Ocwen did not provide me the letter from Bankruptcy court saying about this denial. I would like to have that letter. Ocwen also did not maintain the interest rate they suppose to charge me. 
I have an email which I sent to Ocwen in some detail, I am going to send to you for your kind information and consideration. Please help me. 

thanks
Consumer complaint received 2017-12-18
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. (NC)

I have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$30.00} from Creditor : 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 an account without my written instructions.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (OH)

I sent early warning systems a letter which quoted the by-laws of the fair credit reporting act.. ( 611, 613 etc ) they did not investigate my file. Instead, they sent my a copy of my report. In my letter, which was sent by certified mail ... included my driver 's license, and social security card, Properly identifying my self. I also ask them to properly verify my account with signed contracts, signatures ... etc ... but not the use of the last 4 digits of my social security number. They did not do anything!
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Sterling Infosystems Inc. (CA)

I been with a lot of companies, that has used XXXX XXXX XXXX. I been cleared with XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX. They all had used XXXX XXXX XXXX. So I don't understand when XXXX requests a background check, they seems to have me as a XXXX, I have not been a XXXX for almost 20 years, and I hated that job. I was treated unfairly. I never renew my certificate for XXXX because I didn't like it. So my question is, is why does this only happens with XXXX. This cost me a good job. 

Thank you
Consumer complaint received 2018-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I am making a complaint due to improper sales practices by Santander Bank. I created this account specifically to warn anyone thinking of banking with Santander to run AS FAR AWAY from this bank as you can, specifically if you receive wire transfers.

I opened up an account specifically because on the Santander website, it stated that " Recipient saves money as the incoming wire in foreign currency has no fee ''. 


Proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted a customer service rep just to be sure, and they told me there would be no fee assessed if the funds are incoming in a foreign currency. I also asked if there would be an intermediary bank used to assess the foreign currency ( since my company prohibits this ), and she said since Santander was a large enough bank, it would be processed directly by them. I thought to myself " Perfect! I can use this as my bank account to receive money while I teach online. Then, I go to the branch itself to open up the account, and SURPRISE! The rep said there would be a {$13.00} fee assessed, and that Santander uses and intermediary bank. She calls a service rep to confirm, and he sided with her. I call another service rep, and they say that no fee is assessed. She even wrote on my account that no fee should be assessed for the incoming wire transfers in foreign currency. I asked for this in writing, and this is when they began dodging my calls. I even had a rep hang up on me. 


Four more phone calls to 3 different service reps, 3 different departments, and 4 hours in total on hold later, the service rep replies " I really don't know. Is there anything else I can assist you with? '' I asked to speak with a manager, who said " We charge a fee. '' Me : " So the website is incorrect? '' Manager : " Well, presently, we need to update the information on the website to better reflect ... '' Me : " So the website is incorrect? '' Manager : " Yes '' And hung up.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

This complaint is against EXPERIAN, XXXX XXXX and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.
Consumer complaint received 2022-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was scammed on XXXX XXXX XXXX using Zelle. It was {$100.00} payment is still pending. Zelle I sent them an email they are currently closed and I contacted XXXX but they cant do anything about it
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NY)

I filed a complaint with the CFPB on XXXX concerning my Fortiva XXXX Card which is financing a furniture purchase I made from XXXX XXXX XXXX XXXX XXXX on XXXX. I stated in my original complaint that my minimum payment of {$120.00} that was due each month was too much and I could not afford it. Plus this minimum payment was not what I was told I would pay a month on my furniture purchase.The Sales Representative in XXXX XXXX  XXXX XXXX XXXX did not give me an exact amount of what I would pay a month. The XXXX Representative just told me around {$65.00} to {$75.00} a month would be my minimum payment. I explained in my prior complaint to your institution that the Sales Representative lied to me and used deceptive sales practices on me when I made my furniture purchase from XXXX XXXX XXXXXXXX XXXX XXXX on XXXX. The Sales Representative even lied and stated that my XXXX XXXX XXXX Credit Card was closed and made me open this retail store credit card I now have with Fortiva. I explained in my prior complaint that I was willing to pay {$55.00} to {$65.00} a month as a minimum payment based off what my I paid a month on my XXXX XXXX XXXX XXXX XXXX XXXX that I still have with XXXX XXXX  XXXX XXXX XXXX which is all paid up. I received a response back from Fortiva through the CFPB on XXXX on the behalf of XXXX XXXX from Fortiva XXXX Credt that my new miminum payment a month would be {$63.00} based off what I explained was done to me by the Sales Representative from XXXX XXXX XXXXXXXX XXXX XXXX. Now I am seeing that Fortiva is stating that my miminum payment is {$110.00} a month when I was told by XXXX that my new minimum payment would be {$63.00} a month in his response to my CFPB complaint. I can not pay {$110.00} a month as a minimum payment as I am struggling to pay my bills a month as well starting from the XXXX pandemic up to now.I paid {$64.00} on XXXX to cover the minimum monthly payment of {$63.00} that was stated by XXXX XXXX that I would have to pay a month. However Fortiva is still stating I owe {$48.00} for this month as a minimum payment when I check my account online. I do not owe {$48.00} to Fortiva.
Consumer complaint received 2022-04-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One credit card inquiries found on my credit report x 3 different occasions- XX/XX/21, XX/XX/21, and XX/XX/21. I have never attempted to open a Capital One account therefore this is fraud. I recently experienced this same fraud issue with a different credit card company ( was reported to XXXX who performed investigation and in fact determined it was fraud ) so I know someone has been attempting to open credit cards under my name. I did report issue to Capital One and was told that they could not do anything at this point due to the fact that the accounts were not opened ( only attempts made ) and instructed me to report this issue to all XXXX credit bureaus.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2018 XXXX XX/XX/XXXX # XXXX BAL INQ XXXX XXXX XXXX- {$2.00} XX/XX/2018 XXXX- {$4.00} XX/XX/2018 XXXX- {$16.00} XX/XX/2018 XXXX- {$12.00} XX/XX/2018 XXXX- {$0.00} XX/XX/2018 XXXX XXXX  Withdrawal fee- {$2.00} XX/XX/2018 XXXX XXXX   Withdrawal- {$100.00} XX/XX/2018 XXXX Withdrawal fee- {$2.00}XX/XX/2018XXXX-XXXX Withdrawal- {$120.00} I called the bank to make them aware that my new card and pin had been stolen out of my purse, by who Im unaware ... I dispute the charges in a timely manner, canceled my card and they still denied my dispute. I even explained my hardship to Bank of America saying I cant afford to loose anything. I was still denied ... I would like something done about this please