davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Amount 2,500 is being stated on my credit bureau that is owed to first national bank of Pennsylvania this information is incorrect. That amount was fraudulently placed by a employer who scammed me for the funds I was unaware the employer paid me for my services with fraudulent funds that was later deposited into my checking account. I had no knowledge the funds was fraudulent and later filled a police report, reporting the employer was a scam and taking advantage of there employees. First national bank has refused to remove this account from my report and has negatively impacted by credit with all three credit reporting agencies
Consumer complaint received 2017-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Weinberg Mediation Group LLC (NV)

On XX/XX/2017, at XXXX am ( XXXX ) I received a call from someone asking me to provide my attorney 's name because I 've been sued for a debt. I asked who he was calling on behalf of an he stated he was calling from Weinberg Mediation for XXXX. He woke me up from sleep, as it was so early in the morning my time, and I told him that it 's XXXX am, why are you calling. I also said I 've never heard of the company or owe a debt he was speaking of. I asked him not to call me on wireless, and hung up. At XXXX pm ( XXXX ) the same phone number called again XXXX, but I was at work so I did n't answer. The same number called again at XXXX pm ( XXXX ) and left a detailed message with part of my social security number on the voice mail. On my lunch break I called the number back and asked them why they are calling me. I told them I do n't know what account they are talking about and please stop calling my wireless. The agent hung up on me.
Consumer complaint received 2021-02-26
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: T.S. Holdings (TX)

This collection account XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Consumer complaint received 2016-04-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

Identity theft. Someone opened up XXXX XXXX XXXX online XXXX using my name, social security # and fraudulent home address on XXXX/XXXX/2016. My ID XXXX notified me of issue and I called XXXX XXXX to notify on XXXX/XXXX/2016. XXXX XXXX closed account on XXXX/XXXX/2016 but has refused to send letter to me detailing fraud. Report from Chex systems lists incorrect address in XXXX Tx ( Fraud ) and incorrect consumer inquiry. Chex Systems states that they can not remove the incorrect information unless XXXX XXXX contacts them and notifies them of fraud activity and instructs them to remove. XXXX XXXX refuses to do so.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

capital one does not allow you to pay off cash advance balances. on their back end, they treat it as two accounts and allocate payments to the lowest APR account first, then remaining balance to cash advances. interest on these are billed separately. the consumer has to treat the card as one single account, and do not have the same ability they have to allocate payments. the consumer can only submit money and let their system allocate it in the most profitable way possible. they effectively create an account that has no way to be paid off until the entire balance is paid in full. i have called them and was told by two seperate supervisors that i need to pay the full balance on purchases in for my payments to start effecting the cash advance balance. this creates an interest charge that can not be paid off until the whole card is paid off. this is a predatory practice to shuffle funds around and allow fees and interest to continue to accrue with zero options other than to pay the interest i cant touch for the life of the account.
Consumer complaint received 2016-09-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (IN)

I submitted a 1st mortgage loan application online with Caliber Homes on Friday, XX/XX/2016. Prior to submitting the online application I contacted Loan Consultant XXXX XXXX with Caliber Homes at the XXXX XXXX branch. I told XXXX what my request was and she told me to submit my application online and put her name on the application so that it would be forwarded to her. I did not hear back from XXXX, so I called her two business days later, on XX/XX/XXXX, and left a voice mail. XXXX returned my call that evening. She did n't really understand my request and pretty much told me that she did n't think I should proceed with my loan request. Quite frankly she did n't even know what product I was looking for. So I told her what loan product I was considering and that Caliber Homes does offer the loan product, which is an FHA XXXX She then told me that another loan consultant handled these transactions. I told her that I would like him to call me. I never heard from him, or XXXX again. In addition, I NEVER received my early disclosures. I also never received any documentation from the mortgage company if my loan was declined or conditionally approved. The mortgage company never processed my " COMPLETE '' application.
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

My husband and I were the victims of a scam. Someone called my husbands cell phone claiming to be a representative from USAA Bank which, at the time, was our primary banking institution. The individual posing as USAA requested that my husband verify certain pieces of his personal information in order that she could check to make sure he was eligible for {$10000.00} to be deposited into his account. To make a long story short, this individual was impersonating a USAA representative. They then proceeded to deposit fraudulent checks into several of our accounts to include my children 's dependent accounts and withdrew over {$6000.00} dollars from my husband 's account from an ATM machine all in one day which I feel is very strange. Shortly after all these transactions were made, we received an automated telephone call form USAA stating that they suspected fraudulent activity on our account and instructed us to call them. We called them and that 's when we were informed of the transactions. This was on XXXX XXXX 2015. Since that date, USAA has been very uncooperative with us. They have refused to give us information about how we can try to recoup the monies that were stolen from us. They have not even given us anything in writing explaining to us what our options are. Every time we call them in reference to this situation they say that we need to speak with someone in the fraud department and we have to hold for hours or are disconnected. It appears to me that they are deliberately treating us in this manner because we never had a problem with USAA until this incident. My most recent contact with them was today XXXX/XXXX/2015. I called to see if I could get some type of written documentation outlining the fact that our accounts were frozen due to this fraudulent activity which lead to my mortgage payment check being returned and incurring a fee and a 1 year penalty of not making any election payments. After I was transferred about XXXX times and was on hold for 1 hour, the representative told me, " USAA will not provide any information of the sort due to the fact that USAA has deemed that you are responsible for this series of events. '' I find it really hard to believe that as international bank that preys on the Military Community, ( we are a Military ), they could not give us any guidance or help with this potentially career threatening matter. My husband is and XXXX and I also work for the XXXX. We have both now been sent to a collections agency about the balances even after we have called to speak with their internal collection department to try and set up a payment plan for the over drawn accounts. This has been such a horrible situation and to have the door shut on us by a financial institution that I have been with for almost 10 years is very disheartening.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX reported that I was 60 days late in paying g on my account. They eventually corrected the report to the credit bureau and sent me a letter of correction. 
But my credit score has NOT been restored to what it was before. Which was XXXX XXXX and XXXX Equifax.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am putting in a complaint against Trans Union Because since XXXX of this year I have been trying to split the merge between my twin brother and me. My brother has been a XXXX for a few years and I have recently gotten my XXXX. I have been living at my brothers house as he is the one who requested me to the XXXX. I have been calling repeatedly and trying to fix the issue where I have not been able to access my free credit report. Trans Union requested for a copy of my social security card which i sent to them already on several occasions. They claim that my file is being sent to the maintenance department and that the problem is going to be fixed yet they do not end up fixing anything. Today i called to get a follow up and once again i spoke to a representative whom this time made the situation worse and finished merging XXXX files together now me and my brother have only XXXX file. This has been an ongoing situation and I am already frustrated in trying to get this matter resolved
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for an auto loan through Bank of America online 7 days ago. I have already chosen another loan offer, but I keep getting automated phone calls to my work and cell phone from Bank of America, asking me to call them about my loan, I repeatedly have told them I no longer need this and to stop calling, yet I am getting multiple calls a day still. The agent I last spoke with said he would remove my loan, but the calls could continue for awhile. I asked to remove my numbers, and he said he wasnt sure he could. This is harrassement at my workplace and my cell phone. Yes consent to call me back, but not to harass me over and over.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed a {$25.00} balance on a closed credit card account to Capital One on XX/XX/2023 in a letter to its Dispute Dept. in XXXX XXXX XXXX, paid the undisputed amount, and have yet to receive any reply ( by XX/XX/2023 ). 

Capital One has had more than 30 days to confirm having received the letter, and it has not yet done so. 

Although I do not have to pay the disputed amount while this dispute is pending, Capital One nonetheless charged me a {$29.00} late fee and a {$0.00} interest charge in XXXX, XXXX. 

Capital One later reversed the {$29.00} late fee and {$0.00} interest charge on XX/XX/2023 after I complained to the CFPB, but the unaddressed, original {$25.00} charge remains on the closed account. Capital One will now charge me another {$29.00} late fee on XX/XX/2023 plus interest, when I fail to pay the disputed {$25.00} balance.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX reported on XX/XX/XXXX. 2022 on XXXX that CapitalOne/XXXX  misses payments. Capital/XXXX  is a closed account.
Consumer complaint received 2022-02-08
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. (TX)

I would like to know what type of game Experian, XXXX, and XXXX are playing. Looking at my consumer report I have companies with more than one account listed like XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX  XXXX. I reached out in XX/XX/2021 and last week about the fraud happening with my report. Then there is a cell phone company XXXX listed and I would never do business with them they are too high priced. If I have not learned anything at all in financial training I learned that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have to give the go on listing anything on my consumer report. The bureaus do not have my consent and are violating me and the law. I want this fixed in 15 days max.
Consumer complaint received 2021-04-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Approximately 30 days from XX/XX/XXXX, I called Freedom Mortgage and informed them that I had received a delinquent tax bill. I spoke to someone in the tax department at Freedom Mortgage at XXXX XXXX XXXX XXXX, and they told me that since I recently refinanced ( i.e., XXXX of XXXX ), there was a delay in their paying the tax bill but assured me that it would be paid within 21 days. 

I then received a delinquent tax bill on XX/XX/XXXX, and I immediately called the tax department at Freedom Mortgage and spoke to a customer service representative with ID # XXXX. She informed me that Freedom Mortgage had sent a check for the delinquent tax bill on XX/XX/XXXX in the amount of {$3100.00}. XXXX  ( approximate amount ). When I informed this person that the tax bill is in the amount of {$3400.00}, she immediately referred me to the tax department of Freedom Mortgage. I then spoke to XXXX at Freedom Mortgage Tax  Department who informed me that a check in the amount of {$3400.00} had already been sent via XXXX and that the check should arrive at the municipal tax office by XX/XX/XXXX. When I asked her what date this check was allegedly sent out, she said that she could not access that information. 

On XX/XX/XXXX, I spoke with XXXX at Freedom Mortgage Tax Department who informed me that the check had NOT, in fact, been sent out but that it would be going out today, i.e., XX/XX/XXXX, and she provided a XXXX tracking number of XXXX. I informed XXXX that I would be following up on this and then informed her that I would like to file a formal complaint for being provided with misleading information. I was then transferred to XXXX at the Escalations Department who took my complaint and said that an investigation would be forthcoming. 

My issue is that from the outset I was provided with misleading information, and I had to relentlessly pursue my issue until someone at Freedom Mortgage took notice. I do not think that misleading customers is ethical and I want this to be addressed.
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been working on a short sale for 2 months and it does not appear that anyone is diligently working on it. They have lied to me several times regarding the order of the property value and neither the negotiator nor the manager has returned my calls.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PA)

A month after covids happens, Citi decided to lower my credit limit to the current balance amount. The problem that happened with that is that it made it show as 100 % utilization which affected my entire credit score to lower it by a whopping 70 points. Nothing else changed and in fact I  just payed off XXXX in revolving debt just the month prior. So the fact that they cut that limit was the only contributing factor to the credit drop as nothing else changed. It's my highest use card now. I payed off the entire XXXX now and even a month later it still showing up on XXXX   ( see one of the pictures attached ), but that lower limit hit almost the next day on credit reports. I attached my credit unions score which is higher than XXXX XXXX at XXXX. I'm in the best finical position I've been in years and yet the lowest credit score wise. I think Citi did this on purpose to push me over but I stopped using credit. I also missed out on a XXXX consolidation loan ( would have been easy with my XXXX I had months prior ) with XXXX income base plus another XXXX in bonus on top. 

I was declined, I think they should be held liable for all the interest they charged me and what else they stopped me from saving or investing. 

Citibank I think purposefully targeted people to go over their limit and make their credit score drop like a rock. There was no notice of the credit limit decrease, only after it happened. I'm lucky, I used credit but I have 6 months of payments covered ( and life ) because I got lucky and all credit use was non structural and frivolous events. So I just stopped using in then payed it off. This is so criminal that I have no idea how many people they got in this scheme in the last 6 months.
Consumer complaint received 2016-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MN)

On XXXX XXXX, 2016, I placed my payment in full for my Perkins loan through ECSI. My grace period was ending on XXXX XXXX, 2016 and so I set it to pay on XXXX XXXX, 2016 ( interest would begin accruing on XXXX XXXX, 2016 ). I received a DirectPay confirmation on XXXX XXXX when I had placed my payment for the loan. On XXXX XXXX, 2016, my payment never went through. On XXXX XXXX, I contacted ECSI as I wanted a resolution as to why they had n't processed my payment yet. I never received a response ( but had been told through the system that I would hear back soon ). Interest accrued on XXXX XXXX. On XXXX XXXX, I tried contacting them again. Again, no response. Again on XXXX XXXX. Again, no response. I finally got a hold of someone on XXXX XXXX and they told me that nothing could be done. They told me it was my fault for not contacting them ( which I had ) and that I had n't processed the payment ( I had ). They told me they had deleted my payment ( for no reason? ) and that I had to pay the interest as well as interest that was set to accrue.
Consumer complaint received 2016-04-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have applied for loan modification with Ocwen Loan Servicing back In XXXX of last year ( XXXX ). Throughout this process, they kept losing my documents and kept asking me to resend everything to them over and over again. They would make appointments for my relationship manager to call back and often they were either late or someone else who did not know much about my situation would call back. 
Every time I would submit whatever they have asked for I would get emails asking for the same stuff over again. Finally after taking over 6 months to process everything they told me everything has expired and I have to start all over. I had contacted them again and my Relationship Manager said : Dont you worry Sir, I will fill out paperwork again for you and all you have to do is esign it electronically. So that was done in the beginning of XXXX. Then I called her again and she told me everything is complete, it all looks excellent and you should get your modification within XXXX to 60 days. That is how we left it off. 
Needless to say I received XXXX letters from them shortly after : XXXX dated XXXX/XXXX/16 - Your File is complete and decision will be be made within 30 days XXXX dated XXXX/XXXX/2016 (!! 1 day later ) Your Loan Modification is denied because I did not show enough hardship???? - keep in mind their relationship manager filled out my paperwork in XXXX ( or somewhere off shore ) - and I have I have only XXXX options that they approved me for. ( short sale and deed in lieu of foreclosure ) XXXX letter dated XXXX/XXXX/XXXX (!! XXXX more day later than that ) - stating that Loan Modification is denied and there are NO OTHER options available As you can see, they have completely show here that either no one even reviewed anything in details ( XXXX letters in 3 days span ) or they have no intentions to grant modifications to anyone, never mind I was given illegal neg amort loan with robosigning and MERS. 

Yes true I received XXXX modification through HAMP before, but my spouse was XXXX after that and our lives were changed upside down after that event. She ended up having 6 months XXXX. This process required a lot money spent for co pays and services that were not covered by the insurance company. 
It is all better now and I am able to start making payments per terms of my original modification. However, OCWEN LOAN Servicing is acting in bad faith and not willing to even listen to me. 
I hope that CFPB can interfere and make things right here, I want to start making payments and put balance that I owe to the back of the loan. Please see what can be done!!! 

Thank you!!!
Consumer complaint received 2016-03-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (AL)

promissory note loan per alabama FCRA statue 6.2.37 and 6.2.30 statue of limitations for Alabama for this type of loan is 6 years delete from my credit report and I ca n't get any of the XXXX credit reports to remove loan I am XXXX and my loans have been discharge due to XXXX
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

On XX/XX/2020 my wife and I submitted a joint application for credit from Chrysler Capital through a link on website provided by Capitol Chrysler in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from Chrysler Capital notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.