davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (GA)

I have an outstanding debt to the XXXX XXXX XXXX XXXX regarding tuition fees that the VA did not cover fully in XX/XX/XXXX. I disputed the charges with the VA but they refused to pay the remainder and I was forced to pay for it myself. By the time I started payments, XXXX XXXX XXXX XXXX had sold my debt to XXXX XXXX, a debt agency out of Louisiana. I started monthly payments and have paid with no lapses or late payments. In XXXX of XXXX, I received a letter from XXXX XXXX XXXX XXXX that my debt was sold to another agency, National Credit Management, but never received any additional information about it and my payments stopped. I reached out to the XXXX office at XXXX to pay my outstanding balance in full, but they refused to assist and said I had to go through the agency. The agency finally reached out last week and I requested a Debt Validation Letter both over the phone and in an email. I have not received a confirmation or any letter in the mail with the requested information and want to dispute the charge altogether. Please let me know what information is required of me. Thank you and have a wonderful day!
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My complaint is with Fifth Third Bank ; its failure to send monthly/quarterly checking account statements by mail/email, and the delay in receiving a refund for monthly service charges which accrued to a total of {$400.00}. 

This issue involves my deceased husband 's Fifth Third Bank Essential checking account and debit card. He passed away on XX/XX/XXXX. I notified the bank about his death on XX/XX/XXXX. 

Fifth Third Bank failed to send any monthly checking account statements either by mail or email which resulted in monthly service charges/recurring debit card purchase charges accruing without my knowledge. 

Soon after, the COVID-19 pandemic hit, with lockdowns and restrictions causing further delays in conducting business matters. 

On XX/XX/XXXX, I presented a Small Estate Affidavit, his debit card, and my identification to personal banker XXXX XXXX at the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX in XXXX Illinois. XXXX contact numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and her email address is XXXX. XXXX proceeded on closing his checking account and issued me a cashiers check in the amount of only {$380.00}. 
I have an ATM transaction receipt dated XX/XX/XXXX, showing a deposit of {$1100.00} was made to his checking account. I immediately disputed this balance with XXXX, and she requested copies of his monthly checking account statements from XX/XX/XXXX through XX/XX/XXXX. 

These statements revealed a total of {$400.00} in monthly service charges from March 2019-March 2022. In addition, there were three yearly recurring debit card purchase charges from XXXX which occurred on XXXX for {$120.00} ; XXXX for {$120.00} ; and XXXX for {$130.00}, totaling {$390.00}. 

On XX/XX/XXXX, I compiled and sent four emails with attachments of highlighted debited charges as well as picture proof that Fifth Third Bank failed to send monthly checking account statements to his email address. XXXX acknowledged receipt of these emails to her email address XXXX and forwarded them for review to get a refund issued for {$400.00}. 

I have inquired both by voicemail and email approximately 7 times and still no refund has been issued. 

Fifth Third Bank failed to send his monthly checking account statements either by mail or his email address. I was completely unaware that any charges were being debited.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was approved for a loan modification and was given a lower payment to pay for 3 months before the start of the modification period. The bank reported it as late payments for 90 days when they told me it should say paid a lesser agreed amount.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST HOME MORTGAGE CORPORATION (MD)

To whom It may concern My name Is XXXX XXXX I visited First Home Mortgage in XXXXXXXX XXXX met with XXXX XXXX I gave her my 1099 taxes for XXXX and XXXX I let her do a soft credit check on me I told her i didn't want a hard credit check done she was supposed to call me back to tell me how much i made for the two year i called her office repeatedly with no response she then ran a hard credit check on me without my permission knowing my income only shows {$1.00} a month that no mortgage lender would give me a loan with so little income O am reaching out to for help to resolve this matter Thanking you In advance please feel free to contact me at XXXX or email me at XXXX XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AZ)

When i was laid off by my company in XXXX of XXXX, i applied for and was generously granted Forbearance relief with my mortgage company. The assistance that i received postponed our monthly mortgage payment until the end of the Forbearance agreement which i believe was 9-10 months. 

Upon returning to work and and ending the Forbearance period in XXXX of XXXX, we began paying our back payments ( in addition to our monthly mortgage ). So, we paid double payments until through the end of XXXX until we were caught up. We were religious in making these payments a priority and did not miss or were late with payment during the repayment period. 

When we recently applied for credit, we were declined based upon having XXXX late payments reported by Shellpoint Mortgage. I contact Shellpoint and was told conflicting information. They showed the " lates '' but were not able to answer my question... how could i be late when i made every ( double ) payment. Strangely, the " lates '' came mid-way through my repayment- XXXX, XXXX, XXXX and XXXX of XXXX. 

I had received " late notices '' a couple of time earlier in the year. I was told that the system was still auto-generating delinquent notices, but i should ignore because i was on a Forbearance program. 

I would like to have the delinquent notices removed from my credit report with all three agencies. 

Thank you!
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I have a BJ 's XXXX club mastercard, serviced by Comenity Capital Bank. In XXXX, Comenity Capital Bank stopped posting payments made to my account, resulting in late fees, interest charges, and overcharges for the XXXX XXXX XXXX. I am beginning to receive automated collection calls from this company. If they report to the credit bureaus and my credit score declines as a result, it could effect the interest rate on my mortgage or on other loans I may obtain in the future. 

As of XX/XX/2022, seven payments totaling {$1200.00} have cleared my bank, but have not been posted by Comenity Capital Bank. These payments cleared my bank as follows : {$240.00} cleared XX/XX/2022 ; {$61.00} cleared XX/XX/2022 ; {$46.00} cleared XX/XX/2022 ; {$110.00} cleared XX/XX/2022 ; {$78.00} cleared XX/XX/2022 ; {$500.00} cleared XX/XX/2022 ; {$180.00} cleared XX/XX/2022. 

I have tried repeatedly to contact Comenity Capital Bank by telephone. At various times their phone system has 1 ) played a recording saying to call back later ; 2 ) kept me on hold for about 15 minutes, after which the hold music stops and the call disconnects ; and 3 ) played a recording saying to go to their website for customer service. I have not been able to connect with a live customer support person. 

I have tried to contact Comenity Capital Bank using the messaging ( secure email ) service on their website. I provided screenshots showing payments had been made. Four days ago on XX/XX/2022, I received a response stating that my request had been forwarded to the correct department. However, my payments are still not posted to my account, and today I received an automated collection call.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I have been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.
Consumer complaint received 2022-07-19
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. (AZ)

I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered them, I ordered them inside window ( I have attached an email that I sent to their design team to that effect ) I am not able to use them because they were sent as standard ( outside window ). That means I would have to place them on the outside of my window and they could be easily taken down by anyone walking by my office window. In front of my office is a bus stop where people stand waiting for the City bus. I would not order window decals for outside windows. I tried to fix the problem with XXXX but they have been uncooperative. I asked to have the decals redone. It was difficult to contact XXXX by phone so communicate was done via email. The Representatives werent helpful and really wasnt interested in resolving the problem. XXXX have my money and I have an unusable product. I have since been informed by XXXX that it is too late to replace the signs. Thanks to Capital One, XXXX has my money and I have nothing usable. 

They are not giving any consideration to the complaints sent by CFPB
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (FL)

I was checking on my credit report and came across this error listed on my credit. 

XXXX continental finance  XX/XX/2020 is showing on my credit report and Ive never taken anything out from this company. 
Please review and remove from my account. Thank you
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MO)

I have a satisfied mortgage with Citi Financial but all the lien releases for the property XXXX XXXX XXXX XXXX XXXX were not released. There were a XXXX and XXXX mortgage for the property. I have contacted the company who took over the loan and I have been told there is no recorded. The property was purchased in XXXX  the lien release was done XXXX. This is an oversight by the company which is preventing the sale of the property. Please advise. The one lien release has been obtained but the second release can not be found.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I was investigating my credit report and was riddled with panic when I saw how many inaccuracies were being reported. I am in need of a new home for myself and my kids and these unverified inaccurately reported inquiries are greatly affecting myself and my family as we are not able to make a necessary move to be closer to family. I need these inquiries removed.
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (FL)

I, the federally protected consumer, was denied credit by Navy Federal Credit Union when I applied for an extension of credit to obtain property/services from XXXX XXXX XXXX XXXX XX/XX/2022. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Navy Federal Credit Union is subject to criminally violating 15 USC 1691 as I have proof that I was discriminated against by Navy Federal Credit Union due to the response I received. Navy Federal Credit Union is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because, I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union fails to make any reason procedures to resolve this matter and either, compensate me for the use of my credit card ; or grant me my right to an extension of credit applied for, I will indeed make Navy Federal Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681 AND 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} per violation )
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am writing to dispute the accuracy of a public record item on my credit report. The item in question is USBK COURT XXXX INDIANA REFERENCE # XXXX which I previously disputed with you. In response to my dispute, you verified the item as accurate, stating that you had verified the information with the court. 

However, I have recently contacted the court and they have informed me that they do not report to you or any credit agencies for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. ), which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report.
Consumer complaint received 2020-11-25
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: WELLS FARGO & COMPANY (TX)

On XXXX. XXXX, 2020, WELLSFARGODEALERSVCS add a hard inquiry on my credit report perXX/XX/XXXX 
On XXXX. XXXX, 2020, XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX, 2020,XX/XX/XXXXXXXX add a hard inquiry on my credit report per XX/XX/XXXX
Consumer complaint received 2021-02-25
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: Experian Information Solutions Inc. (WA)

XXXX is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now XXXX is saying they opened and account for me on XX/XX/20 on the credit report.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (WA)

XXXX is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now XXXX is saying they opened and account for me on XX/XX/20 on the credit report.
Consumer complaint received 2024-01-23
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2022, I contacted the Bank of America number listed on XXXX at XXXX regarding a credit card that I did not apply for or receive. I was told to call XXXX instead. 

After a terrible automated experience that repeatedly asked for the account number I DO NOT HAVE SINCE THE CREDIT CARD WAS ISSUED FRAUDULENTLY I spoke to XXXX in XXXX XXXX. He submitted the fraud form. He told me a paper copy of the original application would be sent to me. XXXX states the card application was made XX/XX/XXXX and was also mailed to an address on XX/XX/2022. He said he could not tell me that address but that someone at another number could. 

He transferred me AGAIN to XXXX. I spoke to XXXX. She told me that XXXX did not make a fraud claim and that I would be on hold and have to speak to YET AGAIN ANOTHER person to make a fraud claim!??? 

The next person I spoke to was XXXX XXXX He told me the address the card was sent to and stated that he did not know why XXXX had transferred me to him. He could not transfer me back directly to XXXX so again I was on hold with an automated message. 

I do not feel my issue was resolved as I was given conflicting information by XXXX and XXXX as to whether a fraud claim was actually made. I do know this account was closed.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (PA)

My business account with TD Bank was recently charged almost {$2000.00} by a company called XXXX I've requested that my disputes be expedited. I've been stuck in XXXX Tennessee without money also my XXXX XXXXXXXX XXXX was skimmed I've called td bank everyday begging them to process these transactions so I can get my money back. Apparently TD allows their managers to hang up on customers.