davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
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. (FL)

There is an account reporting on my credit file with XXXX XXXX XXXX it's showing a partial account number of XXXX. The account was paid in full but for some reason it's reporting as a repossession. I don't dispute the fact that the payments were delinquent but the car was turned in after the lease was completed.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX  should not be reporting to Equifax ; XXXX  and Transunion a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX  granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I opened a Business line of credit with BB & T back on XX/XX/XXXX for {$40000.00} under XXXX XXXX, XXXX. This is a solely owned XXXX by myself. This was a three year line of credit. At the end of the three years the line matured meaning I no longer had access to the funds. BB & T charged an annual {$100.00} fee starting on the origination date and each anniversary after that. The agreement states that I shall be assessed that fee on my anniversary until my maturity date which was XX/XX/XXXX. My first {$100.00} annual fee was charged XX/XX/XXXX. My 2nd annual fee was charged XX/XX/XXXX. My 3rd annual fee was charged XX/XX/XXXX. The line matured on XX/XX/XXXX which cut off my access to the line of credit funds. BB & T which is now Truist since their merger decided to charge me a 4th annual fee on my maturity date. The line of credit agreement clearly states I will be charged the annual fee until my maturity date. They charged 4 annual maintenance fees on a three year product. I am also a former employee of Truist bank. I left last year on my own to work for another bank. This is some of the reasons I left working for Truist. This is completely unethical. I have spent over 8 hours on the phone trying to get this fixed but nobody wants to take any accountability. I keep getting passed back and forth between the call center and the branches. Truist employees have agreed that I shouldn't be charged 4 annual fees on a 3 year product but they don't make the decisions to reverse the fee I am told. This is an unfair and deceptive practice that should be stopped immediately. After reaching the proper complaint channels I will be reaching out to an attorney that specializes in class action lawsuits. Common sense should tell the bank that you don't charge 4 annual fees on a 3 year product and when the loan agreement states that the fee will cease on the maturity date they shouldn't charge one more fee. Truist is supposed to be built on TRUST they say.. how can I trust them?
Consumer complaint received 2019-09-06
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: JPMORGAN CHASE & CO. (SC)

I booked a round trip ticket to XXXX thru XXXX XXXX. on my Chase Amazon Visa. Hurricane Dorian struck yesterday @ XXXX XXXX XXXX S.C. doing major damage to my house. I have tried to cancel my tickets thru XXXX XXXX ... .they said that I would have to contact XXXX and XXXX airlines directly. I got the " mailbox full '' message from both airlines, leaving me with nowhere to go. When I finally contacted XXXX today, the call center representative spoke broken English which went nowhere. I have asked Chase Manhattan to charge back the airlines ( XXXX and XXXX ) on my behalf. They refused.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (TX)

ICG Morgage took my 2 properties mortgage applications in XXXX. Since then they are non-responsive upon my numerous attempts to follow-up on ordering the appraisals and progressing my loans to closing. As I get closer to closing date which is after 30+days from the time of submitting all required documents to ICG, they informed me that the appraisal on 1st property is not even ordered and there is no way to close. I got extension from seller by discussing adjusting seller credit. ICG still continued non responsiveness and negligence on my loans regardless of my numerous attempts to followup this with multiple parties at ICG. Finally I realized in XXXX that they didn't even order my appraisal for which I submitted the application signed with credit card details on XX/XX/XXXX and as I follow up there is absolutely no update on the status. Finally my seller asked for termination as we have no idea when the appraisals will be ordered. Thus I terminated with a loss of my hard earned Earnest money and option fee. I found another lender for the 2nd property application due to this experience and asked ICG to transfer the assignment of the appraisal ordered. Upon numerous requests from me and my new lender, ICG fails to transfer the assignment. Their responses are rude, reckless and negligent. I'm really concerned that due to this bad lender behaviour which keeps repeating, I will be loosing Earnest money on the 2nd property as well. I have all documentation of my communication with ICG and their responses and lack of responses to my multiple follow ups since the beginning. I also have the loan originator at ICG who is familiar with the issue and admitted that this is bad and causing me pain and loss. I am prepared to loose my money for the 2nd time soon. But I don't want this to happen to other customers at ICG because there is no way a consumer would anticipate this outright bad lender behavior. In this competitive market, time is everything and ICG behavior is worse than unacceptable. Please help me solve this issue. Appreciate a quick response as time is of essence for my 2nd loan with estimated extended closing date for XX/XX/XXXX on the contract. Thank you very much in advance for your help.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XX/XX/2021 i have sent in disputes to XXXX  and transunion and i have not got a reply from each one of these companies. this is a violation per FCRA.
Consumer complaint received 2021-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I obtained a payoff quote for a HELOC with SPS Portfolio that was good until XX/XX/2021. I paid the amount stated in full on XX/XX/2021. The amount due was less than {$100.00}. The mortgage company is refusing to verify this loan is paid, remove the lien from my home, and have added a fee of {$17.00} which I am refusing to pay XXXX what is it for? ). 

I have emailed my " Relationship Manager '' 6 times in 4 weeks and the only reply I get is a form letter " Acknowledgement. '' I called and spoke to a rep and supervisor who assured me that I was correct and the situation would be rectified. It has not been. 

Now they are saying funds " must be certified '' when that was never a stipulation before and the funds were removed from my account weeks ago. On top of all that, they then sent a letter that my loan has been sold.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Phoenix Financial Services LLC (NY)

Hi My name is XXXX XXXX and I pay monthly fee with experience for {$24.00} a month to monitor my credit to monitor my on line activity etc.. I have yet even with the paid membership even retrieves my cycle score with either XXXX XXXX or XXXX. The reason why I got the credit monitoring with due to after the 2017 XXXX  breach that's when I've been having issues with my devices and my personal private information exploited and sold to White collar criminals. My information was found in the dark web email telephone numbers you can addresses to even like children and my other family members you are deceased and no longer with us. If you're able to get back to me with some type of guiding hand or an some information or stepping stone and how it could go about to resolving this matter I mean even my credit report is written with mistakes and none of the major banks have any hard copies of increase into my credit report. I have {$2400.00} total of debt and my credit score. And my credit score is it available which I don't understand why yes I did inquire to XXXX  and they had said that due to the lack of prior credit and the unestablished credit needed for credit score which doesn't make sense to me even people with bad credit have a credit score whether it's to bring some XXXX to XXXX. If you're able to get back to me my email is XXXX and my telephone number is XXXX thank you very much have a good day
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I was inquiring about a streamline refinance with my mortgage bank XXXX. they required a XXXX dollar deposit to start the process. After reviewing all the information, I decided not to proceed with the loan. I have not been able to get a refund on my deposit. The loan officer XXXX XXXX XXXX XXXX will not return my calls, she sends all emails via encrypted with no code to access the email. I am requesting assistance to have my deposit returned back to me. Thank you
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MA)

My mortgage was opened in XXXX with a maturity date of XXXX. Over the years I have refinance and also did a modification in XXXX but in all instance my maturity date remained XX/XX/XXXX. In XXXX I requested a 2nd modification, it was approved. I was excited to get the modification because I needed the assistance so I signed it, I did not realize it was a balloon payment with a new maturity date of XX/XX/XXXX. 
I found out about the balloon payment over the summer of XXXX. I was told I could complete a mortgage assistance request which I did but it was denied..reason my mortgage was current and affordable. I was then told I can refinance, I tried refinancing with the same lender PHH I was told everything looked good and the next step would be my closing, after not hearing anything I reach out and was told I was denied because in XXXX I became ill and my mortgage payment fell 2 months behind. 
I reached out to XXXX XXXX XXXX for assistance, we contacted the lender together and after 2 hours on the phone with the escalation department ( spoke to : XXXX # XXXX ) and the modification department ( spoke to XXXX ) I was told my only option was to do another mortgage assistance request or find another lender to refinance. 
While we were on the phone an attempt was made by XXXX to set an appointment with my relationship manager. XXXX stated there was a flag on my account indicating no appointment can be set up with my relationship manager and also that she was not authorize to reach out to a supervisor. 
I completed another mortgage assistance phone intake today XX/XX/XXXX, I was told in 5 days I will get something in the mail me letting me know my options. 
My balloon payment is due in less than 30 days amount of {$380000.00}, this is impossible for me to pay and PHH shuts me down with every request I made to resolve the situation. My only request to PHH is to put my maturity date back to XXXX. 

I have included the XXXX modification agreement showing the change in maturity date.
Consumer complaint received 2024-11-14
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. (AZ)

The company did not validate this account as requested and was notified of fraud months ago. under the Fair Debt Collection Practices Act. See 15 U.S. Code 1692g. They are required to validate this debt within 30 days of my request. They have also violated Section 1692g of the Fair Debt Collection Practices Act ( FDCPA ) of the United States Code prohibits debt collectors from using false or deceptive means to collect a debt or obtain consumer information by continuing to falsely report negatively knowing this account was not opened by myself.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a Factual dispute to XXXX, Transunion and XXXX  on XXXX XXXX. It was regarded a late payment and incorrect reporting as well as inaccurate account numbers discrepancies in the difference dates of the reported late payment on each credit report. I submitted supporting documents and never heard back. My reports never updated to show account in dispute. I made several calls to them and nothing was done. I waited at least 45 days and called and one by one each credit bureaus claimed to have completed their investigation and never mailed me any proof. XXXX  actually removed the late payment and then reinserted it back on credit report. XXXX  has a 90 day late reporting for XX/XX/2018, XXXX  has it showing XX/XX/2018 and Transunion has it showing late XX/XX/2018. I further disputed the way the late was reported. No 30 or 60 day late the jump to 90 day late which the FCRA 609 guidelines clearly states is unlawful.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have previously disputed this account with you and each time the investigation cambe back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA
Consumer complaint received 2021-05-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Solutions LLC (LA)

On XX/XX/XXXX I received a call from XXXX XXXX XXXX requesting payment on behalf of XXXX XXXX not only for the debt but additional costs to keep this out of court. I agreed to pay a settlement amount of {$590.00} ( original debt was {$370.00} ). I paid it ( bank statement shows as Debt Solutions ) but later that day I received an email from them saying the amount was {$500.00}. I emailed them back asking for the payment amount to be adjusted but received no response. Today XX/XX/XXXX, my husband and daughter received calls stating that there was pending legal action against me and I needed to call XXXX and my file number was XXXX. I called back and spoke to XXXX XXXX and although she was very nice she told me that the balance was {$340.00} but they were suing me for Brach of contract and an attempt to defraud using an FDIC bank and would have to pay {$2600.00} if it went to court. I told her it was paid and I explained that I was at work and the proof as at home did I have time to get that documentation together and she couldn't really answer that question so agreed to pay it and take it up with XXXX XXXX. I have made multiple attempts to contact them by phone but when I do it tells me to enter the last 4 digits of my SS # and after multiple tries it tells me this has been turned over to a 3rd party please contact and it doesn't actually say a company name just if I think it is an error press zero so I do and it either disconnects or tells me they are closed. I also attempted to contact them via email. I have proof of both of these payments ( as well as the payoff information on a line of credit I just paid out with them ). I also went back online to verify the 1st payment to XXXX & XXXX/Debt Solutions this evening to be sure I was not mistaken on who that was for and it is definitely XXXX XXXX that I made the XXXX payment for and now it shows a credit balance of {$220.00} and says the settlement offer is {$250.00}??? I have copies of that as well.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies XXXX, XXXX, and TransUnion. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. XXXX does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (FL)

On or around XXXX XXXX my bill payment company mailed a Check with the amount of {$520.00} for XX/XX/XXXX car payment .It was never applied to my account until XX/XX/XXXX causing me to receive negative remarks to the credit bureaus and being charged a late fee on XXXX XXXX in the amount of XXXX.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

In three transactions over the past 4 weeks in paying from my intended USAA checking account to my USAA credit card, the balance was unintentionally payed from an external, closed account at another institution. The USAA mobile app allowed for both accounts to be named the same name, thereby making it unclear which account the credit card was being payed from and the wrong ( closed ) one was unintentionally selected. I determined, with USAA 's assistance, that I had unintentional and misleadingly payed from the wrong account ( which is closed and unavailable ). I asked for these payments to be canceled or reversed and for me to be allowed to immediately pay from the proper account. I was told this is not possible and that I would have to wait until the payments fail at some unknown, future date. I asked if I could pay proactively anyway, but was told this is not possible with the current system interfaces. Instead it became clear that instead I will receive multiples fees and potentially interest payments for these failed transactions whenever they occur. I have attempted to proactively pay and correct a situation that I was misguided into by the USAA app through improper design, but have not been allowed to do so. I spoke through online chat with an individual named XXXX XXXX at approximately XXXX central time on XX/XX/2021 regarding this issue without resolution. I was promptly hung up on without resolution when I raised my concerns regarding unfair practices associated with being charged fees when I am trying to proactively pay my account but can not due the bank 's system limitations.
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.