davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
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: CORELOGIC INC (NV)

While reviewing my credit report on XX/XX/2020 notice that an Bankruptcy filing from the U.S. court of Nevada, XXXX XXXX. There were information in regarding the bankruptcy that was reported to the credit bureaus by these data providers who are third party recorder who report information to the three credit bureaus. Which are XXXX XXXX XXXX  I am exercising my rights under the fair credit reporting act, section 609, to request information regarding. As per section 609, I am entitled too see the source of information, which is the original contract that contains my signature from these three data provider core logic, XXXX XXXX, XXXX XXXX. If either of these parties disclose this information to the credit bureaus which is illegal without my consent I am requesting that this item be removed from my credit report within 30 days of this complaint. These data providers are illegal selling consumers information to the three credit bureaus for their company profit.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am attempting to repair my credit scores because of unemployment and participation in and participation in federal assistance programs over the last 7 years. 
B of A ( lender ) has been paid up so I am current. I have continued to be current over last 6 mos since graduation from XXXX. 
They refuse to address my credit score as this delinquency stems from their suggestion to go on a forbearance program for 12 mos back in 2012. I did and then participated in AZ Save Your Home program which carried my delinquency and then paid it off this past XXXX. So my forbearance period is what has been carried forward as old payments were were paid first when paying my mortgage ( monthly assistance ). I want to refi but credit reporting services all show late pays so I requested letter from B of A which refuses to give me any relief!
Consumer complaint received 2024-03-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

US bank unfairly auto renewed my matured CD account to a extremely low interest rate 0.05 %, which is even much lower than their money market or saving account interest rate. Upon found it out on XX/XX/2024, I contacted customer service, I was instructed to go to branch, they charge me 1 % of the fund in my the CD account as a penalty to withdrawal it pre-maturely, which is much higher than the annual interest of this CD term. Their practice is unfair and deceiving.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (AZ)

I was a customer of XXXX  wireless in the years of XXXX. When I decided to switch carriers, I returned XXXX XXXX  I had and paid off the remaining balance including delinquent phone bills. They told me they would email me a copy of the final receipt. Online, it said account was paid in full. In early XXXX, I got a notice from XXXX  I owed {$1300.00} for not returning said phones. I called XXXX  for months, I was told there was no balance and it may be a scam. The charge became delinquent, even though I was told there was no charge and it was added to collection. This was disputed in XXXX but denied by XXXX since XXXX said they never received payment after all. When I called to pay, they said I actually owed more like {$2000.00}. I was able to access my bank account and show I had made a final payment of over {$800.00} to pay off everything. Every time I told XXXX  I had the documents the call would disconnect. The delinquent report fell off of my credit after the 7 year limit in XXXX. In XXXX of XXXX, it came back. Now a company called Jefferson systems says I owe a balance of {$1300.00} and my credit score has decreased XXXX points. XXXX is not even in business anymore. I called Jefferson systems to pay, and they tried to sell me on making monthly payments with 6 % interest. When I kept refusing and asked to pay the amount written in full, because I just want this dealt with, I was hung up on. Twice. This company is fraudulent and the account is almost 8 years old now, there is no way this should be on my report at all.
Consumer complaint received 2024-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I got approved for a loan for XXXX $ and I put down XXXX the loan company still say I owe XXXX $ when I gave them XXXX. Then they say I have to pay XXXX $ XXXX  months which comes out to XXXX $ how is this possible.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

An international hacker got in my checking account and deposited a fraudulent check that resulted in my account being closed. I reported the incident on ic3.com and asked USAA if I could be given a new account but they ignored my request and sent me checks for the funds I had in my checking and savings accounts. I had just gotten my account back and I really needed to have it and didnt think it was fair I lost it when this individual was hacked into my bank accounts, social media, utility accounts, and ID me account stealing my money and getting my accounts closed unfairly.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This Account is with Capital One Bank, the account in question belong to my decease brother XXXX XXXX who pass away, XXXX XXXX. My brother was not married nor did he get any children 's. So I found out that my brother had his account with Capital One, went to Capital one bank, I informationed the bank of the passing of brother, showed the paperwork that I got from the XXXX XXXX listed Me XXXX XXXX XXXX as his admin for his estate even thought he does not have nothing much, Now from that time till now Capital one Bank is giving me a run a round about the money that was in the account. After the back an fourth between email 's and phone calls, I saw a statement for the account where the funds was taken from his account by XXXX, I file a complain with capital one bank fraud department about it, and still haven't got no response from capital one bank to this day.
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

Obtained mortgage from XXXX XXXX XXXX on XX/XX/XXXX at XXXX ARM at 4 % for a monthly mortgage payment of {$4300.00} inclusive of principal, interest. escrow ( property tax, PMI, home insurance ). Mortgage was sold to XXXX in XXXX. In XX/XX/XXXX received letter that from XXXX XXXX monthly payment will be {$5100.00} an increase of {$830.00} due to escrow shortage. Did not get clear reason of escrow shortage from mortgage company for 3 months. ( ARM always remains fixed ) Mortgage was sold to Freedom Mortgage from XX/XX/XXXX. They after few calls, in XX/XX/XXXX said previous company sent me an escrow surplus check in XX/XX/XXXX of {$6900.00} which I never received. The previous company then did escrow analysis afterwards and determined escrow shortage and increased mortgage payment from XXXX  XXXX. They did surplus calculation first and then did escrow storage determination. This increased our mortgage payment by {$830.00}. 
Requested check of {$6900.00} from previous company took 1 month to reach on XX/XX/XXXX. Freedom Mortgage on XX/XX/XXXX agreed to do a fresh escrow analysis and report back in a week. We called on XX/XX/XXXX and then they denied to do escrow analysis. Rather they asked us to continue to pay the increased mortgage payment as well as the escrow deficit ( approx. total of {$8200.00} ) and that they will do escrow analysis in XX/XX/XXXX. It was very unjustified that they demand for us to pay more monthly for complications in escrow calculations due to no fault of ours. 
Incidentally, we continue to keep paying {$4300.00} as we have come to determine that our property taxes did not increase, and all other escrow payments are constant. As per ARM we have never seen mortgage monthly payments increase during the ARM period. They are giving all kinds of reasons to not do justified mortgage escrow analysis and we are being harassed for the past 6 months. It seems they want us to get penalized by forcing us to pay higher monthly payments due to escrow complications, not created by us.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XX/XX/2024 my USAA credit card was stolen and had two unauthorized transactions. Both transactions were {$200.00} each, totalling to XXXX. When I found out my card was stolen I called USAA to cancel my card and dispute these two unauthorized charges. On XXXX XX/XX/2024 USAA said these charges were not fraudulent and I am liable for these unauthorized transactions. Please I need someone to help me with this because I am being treated unfairly in this situation.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (GA)

XX/XX/XXXX First advantage reported to an employer I had gone to jail for 5 days XXXX XXXX XXXX Fl for misdemeanor {$22.00} checks written in XXXX I called XXXX XXXX XXXX and their records do not indicate I have ever been in jail. I only paid the checks & fees. 
This was 20 years ago and they just reported it in XXXX to a job I applied for. 
I submitted the court records they did not adjust it.
Consumer complaint received 2024-03-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC (NM)

Since playing at home lending has taken over the mortgage on my home I have had nothing but trouble with this company they pull my mortgage they don't pull my payment on the right date so it has insufficient funds are they double pay my or they double full my mortgage and then I can't pay my other bills they treat me horribly they talk to me down to me they treat me horribly on the phone and won't answer my questions won't send me paperwork of ask for and the last 3 months they've double pulled my mortgage I can't afford to do this anymore and I'm starting to think they're doing this on purpose.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

Ref : XXXX XXXX XXXX Violated Regulation E and Wrongfully Reported Me to Chex Systems, Consumer ID XXXX To Whom It May Concern : The information reported by XXXX XXXX XXXX to Chex Systems is inaccurate and invalid. I, XXXX XXXX did not conduct the ATM check deposit in the amount of {$4900.00} in XXXX XXXX NY on XX/XX/2018. After the check was deposited, I immediately visited my local, XXXX XXXX XXXX in XXXX MD. I explained to the XXXX Branch Representative, I did not make this ATM deposit, I do not know who made the ATM Deposit and I requested to dispute the ATM deposit. XXXX  XXXX XXXX did not investigate or honor my request to dispute this item ; which is a violation of Regulation E. 

Based on following reasons below, this report to Chex Systems, from XXXX XXXX XXXX should be removed and voided. 

I requested the ATM check deposit of {$4900.00} be ( Reg E ) disputed and investigated. XXXX  XXXX XXXX violated Regulation E by denying my dispute and proceeding with closing my account. 

The deposit was conducted at an ATM in XXXX XXXX NY. XXXX  XXXX XXXX could have reviewed the recorded video information and verify I was not the individual who deposited the check. 

The deposit was conducted at an ATM in XXXX XXXX NY. XXXX XXXX  XXXX could have reviewed the endorsement on back of the check and compare it to my signature reflected on my New Account Signature Card. 

XXXX XXXX XXXX should provide documentation proving they honored my dispute and conducted an investigation in accordance with Regulation E as I verbally requested in the XXXX XXXX Branch. 

If XXXX XXXX XXXX adhered to Federal Regulation E, as federally mandated and conducted a proper investigation. Their investigation would have proven Im innocent and I did not conduct this ATM deposit transaction in XXXX XXXX NY. I will be seeking legal counsel and will pursue a lawsuit against XXXX XXXX XXXX for slander, defamation of character and violating my federal rights.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AmeriHome Mortgage Company, LLC (CA)

Re : REFINANCE LOAN WRONGFULLY DENIED Dear Commission on Real Estate & Loans : As a citizen of the United States and a Tax Payer and as a Person with integrity and good Personal Credit History I would like to bring to your attention a wrongful denial for an Application to Refinance an Existing Loan from a higher interest rate to a Lower interest rate. 
On XX/XX/2016 I received a letter denying the application for a home refinance loan from my ( now former ) mortgage holder, Amerihome Mortgage, LOAN # XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; Ph XXXX. The letter explained the reasons for the denial were that, ( a ) not enough income was generated and ( b ) income could not be verified. This letter had a very upsetting tone because, # 1 It came after 3 ( three ) months of no contact from the lender ; # 2 the lender did not inform me promptly of the situation at hand ; # 3 did not make any attempt to clarify the situation of the income or of any other information the loan might additionally need. 
# 4 it was a waste of time waiting for a response, time that could have been used to find a more capable lender to serve me. 
Points to be made here are : ( a ) the refinance loan process with Amerihome Mortgage started XX/XX/2016 when the application was signed ; ( b ) the denial letter was sent on XX/XX/2016. There is a gap of three and a half ( 3.5 ) months that we were kept waiting for something that was to be denied anyway. 
On XX/XX/2016 I inquired and started the same application process for a home refinance loan with XXXX, and to my pleasant surprise the whole process took only a month and IT WAS APPROVED! 
Therefore, I am writing this letter hoping to bring to your attention that some lending companies are incompetent. These lenders are wrongfully accusing people of not having enough income or not being able to verify their income. In my opinion, this a discriminatory practice set in place to be able to protect the interest of Amerihome Mortgage, and to forcefully keep their clients paying higher interest rates. During the application process with Amerihome Mortgage I felt intimidated and belittled. I felt intimidated because they were not returning my calls, they were ignoring my messages and they kept on promising that the loan has been approved, but the underwriter is still missing/looking for documents. 
I felt belittled, because the letter that was sent denying the loan made me despair and loose all hope that I could ever refinance to a lower interest rate. It also made me feel incompetent that although I work hard, I have higher education and I am currently employed, I could never make enough income to prove that I could live the American Dream of owning a home. 
Thank you for your understanding.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against CHASE Bank regarding their failure to return my balance from my closed checking account and savings. 
I am a loyal Chase Bank user. I have been using Chase Bank for more than 10 years. However, around XX/XX/XXXX last year, I suddenly couldnt log in to my online account. I called them and they told me that my checking account and savings were closed and the accounts balance would be refunded to me in the form of two checks, so I waited for over two months. I received two letters in XXXX this year. two letters said that my checking account and savings were closed on XX/XX/year>, And the balance {$4500.00} of the checking account and the balance {$350.00} of the savings had been deducted in the form of two checks on XX/XX/year>. But I haven't received my checks yet. I have been to Chase Bank branch multiple times and called them multiple times in two months, it cost my a lot time. and each time they said my case was being reviewed and would not tell me the review time.I just realized my check wasn't mailed and my account balance was wiped clean by chase bank.I did not receive any notification about the reason why my account balance was wiped clean and my account balance have been wiped clean of fund for no reasons.I believe this failure to fulfill their commitment is a violation of their terms and a breach of the agreement made between CHASE Bank and its customers.As I have been a Chase customer for over 10 years, Despite my repeated attempts to contact chase Bank, I have not received any satisfactory resolution to this matter.I am extremely disappointed with this behavior from Chase Bank. This has brought great difficulties to my finances.There is another problem. Around XXXXXXXX, I called customer service and was told that my accounts had been closed. But I received the letter, and it said it was XX/XX/year>, which was inconsistent with the previous date. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against CHASE Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion charged me XXXX to give me credit score. Although I admit that it was written in fine print which I overlooked. But I do not see the transaction in " my orders '' page when I log into TransUnion. However, I do see two XXXX transactions on my XXXX credit card by TransUnion on the same day. 
Not only that, I'm having to change my password Everytime I try to log in. 
I believe my account on TransUnion has been compromised. Even if I did accidentally subscribe to get a credit score, it would not explain two transactions and login errors.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

For years XXXX XXXX was charging me a 9 % interest rate on my largest loan, and always told me there were no options for lowering this interest rate. Thankfully XX/XX/2015, my parents were able to pay off that loan by refinancing their home and taking out an additional {$36000.00}. 
I work a seasonal job and earned very little XX/XX/XXXX or XX/XX/XXXX, just barely enough to cover my rent, car and food. Navient, who now services my loans, is telling me there are no options for postponing or reducing my payments, so after years of paying on time and working hard to make payments worth hundreds of dollars every month to this company, they have no options for me except to just become late on my payments, be charged late fees, and have damaging information added to my credit report even though I have taken the time to contact them for help. 
It absolutely brings me to tears to think that all of my hard work to try to improve my life has just ended me as an indentured servant. I would n't be able to qualify to buy a home, or be able to afford having a child, let alone dream of saving for retirement. 
It seems like after having this monkey on my back and already struggling for 12 years, there should be some other option for me than bad credit reports.