davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I defaulted on my mortgage solely as a result of losing income from COVID-19 economic chaos and closing of my employer business in XXXX. I have worked out the settlement with the second mortgage and requested first mortgage BofA to assist. In reviewing my documents I discovered that my original note from XX/XX/XXXX was adjustable rate mortgage with 1-year treasury index plus 3.275 % ; It appear that BofA acquired this mortgage from Countrywide and they have been over charging me for the interest since XXXX. They are also unwilling to offer post-COVID pandemic relief to us. For example rate for XX/XX/XXXX is 7.00 % while 1-year index is below 1 %.
Consumer complaint received 2020-03-04
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: I.C. System, Inc. (FL)

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2015-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

OneMain Financial has been calling my home trying to contact my mother-in-law regarding her account with them. They call several times a day starting early in the morning until about XXXX. I usually get 3 to 4 calls a day, both robocalls and human. I have told them that my home phone number is not her number and she has as well but they continue to call.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

I had an account with Navy Federal and opened a companion account for my daughter who was underage at the time. I basically used that account to send her money. When she became of age and went to college, she started working as well. She used her account as her primary account and had her checks direct deposited into the account. In 2016 someone got a check from someone and deposited the check through the ATM. At this point, the manager of the XXXX branch claimed she came in to the branch and got cash from the check. How this happened, I to this day do not understand when you need ID to cash a check. The amount was over {$2000.00} and my daughter did not have that amount in her account. I tried to fight this, but the branch manager stated that he called my daughter and she said that she did this and she accepted responsibility for the debt. This was a lie, because my daughter was in North Carolina at that time with me. After this, I was upset, but I didn't close my account because it was the only bank account that I had. About 1 year later, my paycheck was deposited into my account and it was confiscated by the bank. When I called to find out what was going on, I was told that because my daughter didn't pay the debt, they were taking my money to pay this debt. I had no prior knowledge of them doing this and had to call them to find out that it had even happened. After this, I stopped my direct deposit and let the account close. My daughter filed for bankruptcy and had the debt charged off. After her bankruptcy, I contacted Navy Federal again and was allowed to open another account. After depositing money into the account, I was trying to use the funds in my account and was unable to do so. I had to contact them to find out that they had placed restrictions on my account again without notifying me. I was told that because my daughter filed for bankruptcy and discharged the debt, that I was still liable for the debt plus interest and it didn't take into account the money that they took from me before.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

After notifying XXXX of Unauthorized charges they continued to charge me again, and with the effects of Covid looming over the entire world, it is impossible to communicate with anybody about this issue. In XXXX they ( XXXX ) issued me half of a credit XXXX of a XXXX charge, and then proceeded to charge me again XXXX on XX/XX/XXXX. In the midst of the back, and forth with these unauthorized charges that XXXX XXXX XXXX should not have allowed, there was a payment missed that I was not aware of, and it has affected my credit rating. Now I am looking to obtain a mortgage, and these ridiculous unauthorized charges have affected my credit score .Please have my credit score restored, while I resolve this dispute with XXXX  XXXX XXXX allowing the, after I told them not to accept charges from these people at XXXX , and XXXX to stop.
Consumer complaint received 2017-10-13
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. (GA)

XXXX keep saying they verified this incorrect Bankruptcy information on my file with the courts, when I call the courts they tell me they never verified any information. with the credit reporting agencies.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to my investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2017-03-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (FL)

Due to a hurricane, my account was placed on a 3 month forbearance and at the end I made a payment for all 3 months. Franklin American Mortgage has told me since my account would be removed from loss mitigation, but whenever I sign on I am directed to late payment/modification options. I have called the company 4-5 times, and the most recent representative stated the request for my account to be removed was not submitted on any of the other calls. I am unable to make my payments online as the account is practically blocked from handling any business. I have to call the lender, be read the disclosure for fair debt collections and speak to the loss mitigation department before I can make a payment. My account is not nor has it ever been past due.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over 7 years. This situation is really messing me up at repairing my credit.
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I have had a Macy 's American Express card for a couple of years. Out of the blue this week I received a letter from Citibank that I have been enrolled in a Credit Protection plan that I never agreed to ; and in order to avoid being charged I need to call Citibank. I have never knowingly signed up for such a plan and believe this to be fraud on the part of Citibank and XXXX XXXX. I have canceled the card, but it is my understanding that these " opt out '' programs are not legal
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

In the XX/XX/XXXX my husband lost his job and well fell behind in making payments on an installment loan with Springleaf Financial. A judgment was filed for the loan. I was able to get caught up on the loan and paid it off early in the XX/XX/XXXX. I have been requesting since then that the manager and now corporate submit an update to XXXX County to reflect that the judgment has been satisfied for 3 years. To date no action has been taken to correct the situation.
Consumer complaint received 2015-08-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp. (NJ)

On XXXX/XXXX/15 I contacted Senex Services Corp via phone at : XXXX and spoke with XXXX regarding a debt that was paid and still being reported to the XXXX main CRA 's as in Collections. Over the course of XXXX separate phone calls with XXXX I was informed that the debt would not be removed from my Credit Report unless an additional {$100.00} was paid. I informed XXXX that I have a letter dated XXXX/XXXX/15 documenting and confirming the account was satisfied and that my obligation to Senex was complete. When I asked to speak with a supervisor or manager I was told they were unavailable and I was asked if I was going to pay the {$100.00} or not? When I refused, I requested documentation that I owe {$100.00} or why I would need to pay this in order to have it removed from my credit report. I was informed that Senex does n't have the time to generate a letter and would only provide a receipt for the {$100.00} payment in XXXX days. When I kept disputing, XXXX informed me that after speaking with Manager : XXXX XXXX, authorized her to accept {$80.00} from me. I again asked for documentation, I was denied any such. I asked to speak with a Manager and I was told one would call me back but it might be a while. I informed XXXX / Senex that I believe this is illegal under the FCRA / FCDP and that I need something in writing from Senex. They refused repeatedly unless this $ XXXX {$100.00} was paid. Attached is the letter from Senex documenting my debt / obligation of {$300.00} is satisfied.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I overpaid my Macy 's XXXX bill XX/XX/2016 by {$1800.00} due to the fact that we changed our minds on the type of furniture we were purchasing. Macy 's acknowledges the overpayment and confirmed my credit balance. I have made several requests since XX/XX/XXXX to have a check generated for this credit balance. Several, several calls have been made with Macy 's making excuse after excuse as to why I have not received it.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My Trans Union credit report states that I opened a XXXX XXXX XXXX credit card in 2013. I called XXXX XXXX XXXX and they do not have a record of my having a credit card with them. C/R is used to describe the issue on the credit report. I would like this removed from my credit report as I have not used a XXXX XXXX XXXX card for several decades.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

I applied and was approved for a Double Cash credit card on XX/XX/2017, but I still have not received the card in the mail. Several weeks after the approval, I received a notification that the bank received return mail. I called customer service and confirmed the address on file was correct and that another card would be expedited to me. I called again to obtain a tracking number and was informed that expedited shipping was not possible. After I made several more phone calls, and received conflicting information about the card shipping process each time, my final call was escalated to a manager/team lead. I was then told that the card was shipped via XXXX on XX/XX/XXXX, and was told that it typically takes only 5-7 days to receive the card. It has now been 14 business days since the card was supposedly shipped to me, yet I still do not have a credit card. Due to gross incompetence and deception by Citibank 's customer service, I am cheated out of both a credit inquiry AND and a credit card for which I was qualified to get.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

Citibank XXXX keeps calling and hanging up even though all my accounts are current with them. I receive several calls a day on my home and work number that are annoying and harassing even if I do not answer them any more. I have confirmed that my account is current and I continue to receive calls.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (IL)

I have 2 complaints up already. This is the third Ref : XXXX with a A loan verification letter attached Experian mailed me a response on XX/XX/2024 that the results did not change. this is their response that they say they are still working on On the website, the company ( XXXX ) verified paid in full on the XXXX of XXXX to Experian on the XXXX of XXXX, 1 day prior to them sending me a letter in the mail stating nothing has changed, info will remain ( balance ) of a ( debt that was paid off ) This company does not know which way is up nor what the other hand is doing, are are inept in their investigations. 

They changed the status same day they sent me a letter nothing has changed, and take zero responsibility for anything regarding facts even when presented to them
Consumer complaint received 2016-08-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

I want to file a formal complaint against XXXX XXXX of Wells Fargo. She pulled my credit with out my permission, denied me a loan based on credit when I was told she could get me a refinance loan WITHOUT pulling my credit and continues to send me boat loads of emails and documents to this day even though I was denied a loan after my credit was pulled without my permission. 

How do I file this complaint and seek legal representation for unjustice.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

In approximately XXXX during the credit financial crises the credit card companies greatly increased their APR rates. Card holders were given the choice of accepting the higher rate and keep the account open or to opt out of the higher rate and keep the original lower rate that would be fixed for the remainder of the balance owed and the account would be closed with no further credit allowed on that account. I opted out and had a fixed rate of 5.99 % on the balance owed and the account was closed to further credit. I was charged the rate of 5.99 % on the balance owed until XXXX XXXX. In XXXX XXXX the rate was bumped up to 6.24 % which I have been paying ever since. I called CITI Cards to find out why this higher rate is being applied to my balance as it is supposed to be fixed at 5.99 % for the remainder of the balance owed. Their statement was it was not their doing, but because the Federal Government raised the prime rate 1.25 % and this has to be passed on to the consumer. I called the CFPB and was told there was no such record of that happening or any reason for the card company to raise the rate that was supposed to be fixed on old balances. I would like to know if it is legal for CITI Card to raise the interest rate on an old balance from an account they closed in XXXX with the agreement that the balance of the amount owed would be charged at 5.99 % fixed when the card holder opted out of the higher rate out back in XXXX.
Consumer complaint received 2018-03-16
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: CHECK INTO CASH INC. (OH)

On XX/XX/XXXX I received an alert on my credit report from XXXX showing an " unauthorized inquiry '' from Check Into Cash. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted XXXX, XXXX and XXXX but XXXX was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to XXXX which included a 5 page notarized affadavit and a letter to XXXX Consumer Contact XXXX  XXXX XXXX XXXX, PA XXXX the US Post office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with Check Into Cash I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND CHECK INTO CASH CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT CHECK INTO CASH HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 CHECK INTO CASH MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.
Consumer complaint received 2017-05-22
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: EQUIFAX, INC. (NV)

On   XXXX   XXXX   , 2017 a c reditor known as  XXXX   XXXX  showed up on my credit. There is no contact information that was provided for this creditor, and I do not recall doing anything that would result in a hard credit inquiry.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.
Consumer complaint received 2015-11-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (WI)

I paid off auto loan VIN XXXX with XXXX about 5 years ago. XXXX was to have released lien on my vehicle. XXXX had an obligation to electronically clear my title when the load was paid off. 

When I called XXXX to have it released they stated that it would take 24-36 hours. 

I beleive XXXX has a pattern and history of failing to release liens.
Consumer complaint received 2022-02-08
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately