davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CO)

I signed a purchase agreement with KB Homes XXXX XXXX at the XXXX site ) and told the sales agent that I XXXX XXXX XXXX XXXXXXXX XXXX  and would be going with my own lender. He suggested that KB Homes offers a very lucrative builder 's incentive for going with their own preferred lender, which is also their sister company ( KB HS Home Loans ). His exact words were " It couldn't hurt to try it out. '' It actually did. They gave me a contract to sign that said I would owe them for a rate lock if I changed lenders but the actual amount was left blank. I didn't think this would be a problem. I received a loan disclosure from their lender and the origination fees easily dwarfed the builder incentive. My credit union also offered a lower rate with origination fees around 20 times less, easily negating any advantage to the builder incentive. We chose not to sign the disclosure acknowledgement or any documents that followed and, instead, notified our sales agent that we would not be going with their lender. When I gave them notice that I was changing lenders, they said I'd have to pay back fees for the rate lock and it would be very high ( no amount given ). It took many exchanges to find out that it was {$4400.00}. I said that I did not agree to paying this amount. At closing, my credit union notified me that they received a strange notice from the title company that an additional {$4400.00} was due to be wired to them per KB Homes. My credit union said that they could not wire money without documentation and so they were sent the original document that I signed with the blank amount. That just confused things further. I spoke with XXXX at KB and she said it's their policy to do this. My suggestion that I never even signed a loan agreement or a rate lock could not be a factor. 

Because our closing was moved over and over ( we're not on our fifth closing date but are still under contract with no closing in sight ), she offered to drop that fee as a good will gesture due to our other many issues with the builder. Because they've rescheduled the closing so many times, we were unable to maintain the contract with the buyer of our current home and I've had to restructure my loan without a contingency and a lower downpayment. This put us under increased scrutiny and just after final approval, I did purchase furniture and appliances just ahead of our planned move. With the closing only three days away, I did not foresee a possibility that they would cancel it again. They called me with 20 hours notice ahead of our closing appointment to let me know that closing, in fact, would not happen after all and that plans needed to move out at least a week. They've been claiming weather-related issues but this last one had nothing to do with weather ( attic ventilation, in this case ). I asked XXXX at KB if losing my loan now would result in my earnest money being returned and she said no because it would be considered my fault and my actions leading to it.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TX)

I started from this past Monday and I had somebody send me money to my Chime account to get gas. I pull up as soon as I pull to get gas money was taking out of my account and then I was denied at gas pump so I called them and they said it was an unauthorized charge. They get it fixed after Ive sent numerous emails and all my identification and I follow all the links and I follow all with asked for they said I would have it within four hours. Its been XXXX days later and still Ive been on the phone with them numerous times for numerous hours and its not resolved, they have my money. I am still out of gas on the XXXX XXXX XXXX XXXX because of XXXX.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stenger & Stenger, P.C (OH)

I was called several times, being harrased by several debt collectors, threatening that they would sue me if it is not paid. This happened for years, starting in XXXX. I received a letter, early summer of XXXX saying that I was being sued and to call the court if I had any questions. I called and they told me my case was closed. So I then thought it was finally over, but they reopened it and I never got a letter until recently, stating that I missed my chance to defend myself in court and they ruled against me in the amount of almost XXXX plus XXXX percent interest. I live in XXXX  and the company is XXXX XXXX XXXX XXXX. Also XXXX municipal court.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items, I am unable to be approved. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX ticket agent XXXX XXXX that my Goldman Sachs Credit Card will be charged with if I remember correctly {$300.00} that day, I had 3 partners that were split 4 ways in the amount of approximately {$8300.00} for the season on my card. I called them all within 4 hours of the amount being charged, roughly {$930.00} beginning the following month of XXXX thru XXXX of XXXX. None of us could afford that payment as 3 out of 4 suffered heavy losses of income due to covid. I notified XXXX my agent that we were forced to give up the tickets. XXXX XXXX charged the {$930.00} amount anyway. When I saw that deducted from my bank account I notified my bank who contacted Goldman Sachs I cancelled the card, and my bank demanded repayment to my account of the {$930.00} XXXX XXXX and Goldman Sachs took even though I cancelled the season tickets XX/XX/XXXX for season beginning 7 months later. 
XXXX XXXX and Goldman Sachs continued to charge me {$930.00} a month by notifying all credit bureaus, Causing my credit score to drop from over XXXX, XXXX points to XXXX. That caused my variable mortgage and loan rates to elevate. At XXXX time I supposedly owed over {$12000.00}, with close to XXXX in penalties.
Consumer complaint received 2023-12-05
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (KY)

Dell decided to switch to Comenity ( XX/XX/2023 ) to now service their financing. It has been an absolute mess of a transition. My account was " transitioned '' to Comenity, but the only way you can setup your so called new account is by having an account number to a system that never existed prior. They apparently mail you your account number... well I never got anything and they state they won't give you your account number over the phone, so I have XXXX access to my account. I see this practice as entirely predatory to switch servicers and make it extremely difficult to then make a payment, especially when you had your payments on autopay before. Now my account is delinquent, I have no way to make a payment, and they continue to charge late fees. I can rightly assume that they've made a fortune in late fees already from people who can't figure out this convoluted and frankly extremely disruptive process to an existing store card account. This is not only been inconvenient, but has cost me money and valuable time when this could've been done exponentially better. I now have to wait again to receive an account number in the mail ( this is 2023, how is this even still allowed ), since they don't even put the account number on the statements. yes thats right, you can't even get the account number on your statement so you just see your balance accrue and have nothing you can do about it because they won't give you your account number over the phone ....
Consumer complaint received 2023-12-05
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (MD)

I contacted them since XXXX for delinquent payment so I applied for Loam modification because my husband do not have job for 3 months from XXXX to XXXX because my daughter had a serious car accident and undergone XXXX XXXX XXXX XXXX. 

I filed and applied loan modification in XXXX, no response no email, no phone calls. I sent an email and called but customer service difficult to contact. 

I followed up the loan modification in XXXX send my letter via email, no letter, no reply to result about loan modification. 

In XXXX XXXX, they ask for my tax for XXXX and XXXX for additional documents for my application for loan modification. 

XXXX XXXX, they send me letter registered mail to pay XXXX $ give me unto XX/XX/XXXX for the payment of 4 months of my mortgage including all penalties.If not paid The foreclosure will be file to the next step. keep on calling the day received it almost everyday in XXXX I can't contact the customer service, I emailed them no reply to my email. 

Today, I called them XXXX Customer service LoanCare XXXX patiently waited for 50 minutes on the phone finally I got answered by customer service and asked how is my loan modification .She said I am not approved on the loan modification but repayment plan given to me starting XXXX amounting XXXX $ in seven months. I did not know that I was not approve because until now I am struggling and financially unstable. 

No call, no correspondence, no email and then customer service can not be contacted. for a long time. 



T
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

Ive been paying {$2600.00} a month to experien for credit monitoring services however, after XX/XX/2022, I couldnt see my credit score across the three XXXX and XXXX XXXX I was asked to send in my personal information from XXXX. I done this over and over nothing happened they want return my money after all XXXXthey told me and they sent emails to my computer saying they got the personal information and they are working on it?? .its been going on for 9 months and more..
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DOLLAR MUTUAL BANCORP (OH)

On XX/XX/2023 i open a checking and savings account at Dollar Bank in person with my ID at the XXXXXXXX XXXX location. Opened with {$50.00} cash. On XX/XX/2023 my account is closed by a XXXX at the XXXX, XXXX  operations facility in the XXXX XXXX because my residence isn't close to a branch. I swear these banks, just get goofier and goofier by the minute with stupid closure reasons that amount to nothing but XXXX. I really planned on using this account because of all the features this bank had to offer. Good thing i didnt set up my direct deposit. You're online website application does not restrict or prohibit account opening with my zip code. I was told long as i resided in XXXX XXXX, and or XXXX i could open an account. Therefore, someone's full of XXXX and i'm demanding the accounts be re-opened before i have an internal investigation opened up with your regulators that govern you to determine if your organization is behind any corrupt, discriminating and derogatory illegal activities. When applying online if you type in a zip code outside of the XXXX states you operate A copy of this is also being fowarded to the Consumer Financial Protection Bureau. 

XX/XX/2023 : called Dollar Bank and was lied to about reason for account closure. XXXX specified now that it was because of to many inquiries. Them are legit valid inquiries, no fraud or ill intent never took place and part of the reason for the inquiries were banks invited me to open an account and even though my charge off from XXXX XXXX was paid they wouldn't open it. Most banks will accept the paid closures such as you guys did. But the inquiries were due to trying to open an account and being declined because XXXX XXXX wasnt fully removed but did show paid.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I requested an update on my credit disputes which were mailed to Transunion with required identifying documentation on XX/XX/. Transunion acknowledged receipt on XX/XX/. No investigation was ever done nor was information confirmed so I called Transunion again today XX/XX/XXXX  to check on the status of the dispute because it is far past the 30 day deadline to investigate and provide a response. I spoke with XXXX ( at Transunion ) at XXXX on XX/XX/. He stated no investigation has been done nor even begun from my XX/XX/ disputes. This is willful noncompliance. For the sake of clarity, I disputed XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX  as the information is not correct. Because Transunion did not investigate my dispute request, I demand that Transunion remove all negative credit entries and/or process a full goodwill deletion on these account mentioned. Please hold this credit bureau accountable for their habitual noncompliance. Thank you kindly for your prompt attention to this matter.
Consumer complaint received 2018-12-14
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: CITIBANK, N.A. (CA)

Went to go get a student loan as I am a current XXXX XXXX in college and I was denied due to adverse information on my credit report. 

Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by Citicards NA and XXXX XXXX. 

I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. 


I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with CitiCards NA & XXXX XXXX. 


Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.
Consumer complaint received 2023-07-01
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. (TX)

XXXX XXXX XXXX XXXX is inaccurately reporting a credit card over 7 years old on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. XXXX XXXX still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early XXXX, and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE DELETE THE ACCOUNTS ATTATCH TO THE DOCUMENTS ABOVE AND I'LL REALLY APPRECIETED THE ASAP RESPONSE TO MY REUEST AND IT'S NOT MINE.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act 2003. 


XXXX XXXX sol Homeowner at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXX mortgage Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies XXXX TransUnion and XXXX inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act 2003. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX mortgage financial institution is fraud.
Consumer complaint received 2023-12-01
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: HYUNDAI CAPITAL AMERICA (NJ)

I am writing to file a formal complaint against Kia Finance concerning their reporting practices on my credit report. The issue revolves around an item reported under the account number XXXX. Despite multiple attempts to address this matter directly with Kia Finance, I have encountered persistent issues with their response and investigation process. 

Upon my initial dispute with Kia Finance, I received a response dated XX/XX/2023, indicating that they had conducted an investigation. However, the letter was addressed to " XXXX XXXX, '' which is an incorrect spelling of my name. Subsequently, I provided another dispute to Kia Finance, and their response dated XX/XX/2023, was once again addressed incorrectly to " XXXX XXXX. '' This repeated error in addressing my name raises concerns about the thoroughness of their investigation and the accuracy of their record-keeping. 

Furthermore, Kia Finance stated that I had not provided sufficient information for them to commence an investigation. However, I firmly believe that the information I provided was comprehensive and adequate for Kia Finance to conduct a thorough investigation into the matter. Despite this, it appears that they have not undertaken a proper review of the dispute.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

The following pertains to my relationship with U.S Bank. and this is an emergency. 

On or about XX/XX/XXXX, I opened up a client trust account with U.S. Bank. I already had an IOLTA and operating account open and those accounts had been opened with Union Bank in approximately XXXX of XXXX  ( prior to U.S. Bank 's acquisition of UB ). 

My client wrote a check for the purposes of opening the above described client trust account, but wrote the check for too large a sum. Apparently U.S. Bank did not verify whether the check was good. I did reasonably verify with my client that the check would fund to the best of my ability, but unfortunately my client was mistaken. It was certainly not an intentional act on his part. 

Understandably, my client 's check was returned. However, U.S. Bank then proceeded to close both my general IOLTA and operating accounts. 

I spoke with an individual -- a U.S. bank representative named " XXXX '' on XX/XX/XXXX. I was informed that the bank would not release any money until XX/XX/XXXX, and that it would take an additional 5-7 business days for me to receive that check in the mail. 

Until I receive that money, I can not take on any new business and all business expenses including court filings, legal services e.g. XXXX  must come from personal money and/or credit cards. It's going to take about 30 days to establish a new bank account due to the processes involved. 

U.S. Bank has destroyed my ability to do business for at least a month over a mistake I didn't make and seemingly through its own negligence by failing to verify a check for a large amount ( again, not a check I wrote ). I have never had a negative balance with either Union or U.S. Bank. There has never been an incidence of fraud or any other negative event involved in my dealings with any business at any time. 

Yet, without any warning -- not a single phone call or email, U.S. cut me off from being able to do business. The professional consequences to me could be extensive for myriad reasons, not to mention it is outright embarrassing ( which could have professional consequences as well ). 

Thank you for your prompt attention to this matter.