davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (IL)

I am a XXXX veteran with a loan in the state of IL In XX/XX/2021 I was dealing with extreme XXXX  problems due to XXXX XXXX XXXXXXXX and its effect on current medical issues. The company only offered me 2 months forbearance. The health issues ended up with me losing my job in XXXX. I requested again forbearance extension under the cares act. I was only offered a financial disclosure form for loan modification ( with the company making sure I knew it could affect my credit score, and ability to pay back my loan, and that the company may find I can't afford my loan anymore, not cares act forbearance ). Come XX/XX/XXXX I was still out of work because childcare was too expensive, however me and my wife were able to come up with the money. In the state of IL because of my XXXX I do not pay property taxes. On the XXXX I requested that the company provide me with a corrected number to become current with my loan ( again without forbearance ). The same day I gave the company {$4000.00} as a good faith payment so that the company would work with me while they fix the demanded taxes. 7 days later the company hired a lawyer to put me in foreclosure. It took until XX/XX/XXXX and getting a pro bono lawyer to get the corrected mortgage payments and reinstatement amount. The company didn't wait even 30 days ( you know for the document to go from them to their lawyer, to mine, and then to me ) of doing what I initially asked to serve me, thus more lawyer fees they want me to pay. I wake up every morning worried about money because of this, since XXXX. struggle to go to sleep at night because of this. The forbearance would have allowed to be financially stable during the pandemic. however, by XXXX I just wanted to pay off my missed payments. I wasn't trying to get them to honor the CARES act anymore. Nothing that has happened to me is in good faith. I am the only one in this situation acting in good faith. I had to explain to their lawyer how IL law worked. ATTACHED is the email that I got stating they had recieved my proof of tax exemption before hiring a lawyer.
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

We have a balance of {$3800.00} on a Citi XXXX credit card. This account was closed by us on XX/XX/XXXX. Intrest on this account is still being charged at 15.5 % for the last 18 months. I have been advised that credit card companies should not charge interest on a closed account. I called Citi on XX/XX/XXXX to ask the to freeze the interest on this account. They informed they do not freeze interest, with no further explanation.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I made outreach to Equifax to advise them there was incorrect information on my credit report. They initiated a dispute. Less than 30 days letter my dispute was resolved. 

This credit bureau states my accounts were properly investigated but how is that possible if the open date, last date active, collections account reporting as late, date last reported and original creditor is either missing or completely inaccurate. This is ground for removal as they also have violated my rights under 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 also states a consumer reporting agency can not furnish an account without my written instructions XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX Account XXXX Due to this incorrect reporting accounts, I am being charged a high interest rate of 7.2 % for my car loan and over 25 % in credit card interest as well. This is requiring high payment amounts monthly and it is unjust for this to continue causing hardship to me and my family.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

TSI is a Collections agency for XXXX XXXX XXXX My account ( XXXX ) ended up in Collections in XXXX as a result of misrepresentation from a consolidation agency. Since then, I entered into an agreement to pay down the Collection debt with TSI for $ XXXX. This payment was authorized as an automatic deduction from my checking account each month. For some reason, they terminated the agreement, then started sending threatening letters until I called to Re-establish the auto-draft terms of $ XXXX. 

In XX/XX/XXXX, my bank ( XXXX  ) and I called to receive a payoff balance letter to allow payment this debt in full. The Account was paid and reported as {$0.00} Balance as of the billing cycle ending XX/XX/XXXX. 

On XXXX XXXX, TSI sent a bill for {$3400.00}. I have not made any additional charges on this collections account, however, TSI has garnished our XXXX joint income tax returns in the amount of {$3400.00}! 

The pay off balance as of XXXX, XXXX was {$1900.00}. After confirmation from a TSI representative, this amount was paid off with certified funds from my bank in XXXX, XXXX and the debt was reported to XXXX as {$0.00} balance as of XX/XX/XXXX. Therefore, I do not owe this debt.
Consumer complaint received 2021-02-05
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: Experian Information Solutions Inc. (TX)

There are 3 accounts on my credit that were included in an identity theft concern ; I have disputed these account with the bureaus since XX/XX/2020 and have included the police report as well as the FTC Identity Theft form - I didn't receive any response from the bureaus! I filed the dispute, AGAIN, on XX/XX/2020, again with the reports from the police and FTC, but yet again no response or communications from the bureaus.
Consumer complaint received 2021-02-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (MD)

I have been trying to work with my lender and I have not been able to get the help I need. I even have my counselor who has been helping me throughout this process and they continue to ask for more documents. Each time when I think that they are done with my review they ask for something and we start all over again.
Consumer complaint received 2022-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MD)

I received my modification letter yesterday XXXX XXXX, XXXX which was a partial claim modification that was underwritten under guidelines that are no longer valid in view of the new Covid 19 recovery modification guidelines issued as of XX/XX/XXXX. The modification that was offered to me is only a 14 % reduction versus the mandated 25 % reduction required under Covid 19 alm modification for fha loans. In order to achieve the 25 % reduction, mortgagees are required to do a partial claim of the principal if the term extension and rate reduction are insufficient. No partial claim principal reduction was done, despite having an additional {$67000.00} of partial claim funds that could have been applied to reduce the principal and achieve the 25 % reduction. Further, I was supposed to be given 30 days to respond to this letter and was given 12 calendar days, as a response was required by XX/XX/XXXX. I called to inquire abt these discrepancies and was rebuffed and told that this was my only option for loan modification, given no explanation as to why the correct modification guidelines were not followed or employed, and told basically to sign the papers and return them by XX/XX/XXXX or foreclosure proceedings will be initiated. I called again to speak to someone else who then told me that my principal should actually be higher than my original principal that had been owed, and that the {$300.00} savings that they are offering me is sufficient. It is clear that because this loan modification program is not incentivized, that mortgagees will lose out on interest that will result from partial claims on principal balances, because it will reduce the balance on which interest is calculated and accrued, and therefore they are not reducing the principal balance as required, and are forcing the consumer to pay additional interest that under law should be placed under the partial claim loan, which is zero interest. This is misleading and is fraudulent. The {$67000.00} should be applied to the principal balance to achieve the 25 % reduction in principal and interest
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

***Has Violated my Rights*** 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent Transunion and XXXX  an envelope containing my dispute letters on XXXX. The tracking number website confirmed both received the letters on XXXX. I called and spoke with a representative on XXXX and on XXXX. The representative kept telling me they were working on my request. I never did not receive a response from neither company. It has been 4 months now. I called Transunion on XXXX and spoke with the Manager by the name of XXXX XXXX XXXX if that is his real name ) and he told me that I did not send them a dispute whatsoever. He lied about me sending them a dispute letter and he did not help me. However, XXXX  received the dispute letter on XXXX and they removed all the incorrect inquiry information for me with no problems.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Trans union is negatively Reporting on unauthorized inquiries to my credit I sent my dispute on XX/XX/XXXX for the inquiries  of XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX today is XX/XX/XXXX and they have not Responded according to the fair credit reporting act they have 30 days to respond or must be deleted Also according to the fair credit reporting act Anything unverified or inaccurate must be deleted
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

I sent the attached letter to Santander certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt. Also, They are involved in a class action settlement. The settlement includes all auto loans from XXXX. Both accounts on my credit report fall in that range. Santander has sold the accounts to collections and kept both original accounts on my credit report against the settlement.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (TN)

I receive extended warranty coverage through a Costco Citi Visa credit card. Claims are handled by XXXX  XXXX XXXX. I submitted a claim on XX/XX/XXXX for the failure of a device that I purchased under warranty from XXXX on XX/XX/XXXX. The purchase information, device warranty, evidence of failure and customer information were submitted to XXXX  XXXX XXXX with the initial claim. Additional information was requested and submitted on XXXX XX/XX/XXXX I received a claim denial from XXXX  XXXX XXXX stating `` As the manufacturer 's warranty for this product does not cover damage/broken parts, no coverage applies. '' This claim was wrongfully denied as the parts were not damaged, but rather failed during normal use due to some sort of manufacturing or design failure.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I made a deposit into the ATM at Wells Fargo on XX/XX/2023. The deposit was made for {$1200.00} and I only got credit for {$1000.00}. I directly went into the bank after this happened and they redirected me to call customer service as they are unable to do anything regarding the ATM deposit and also mentioned its happened before. I advised them that whenever I make ATM deposits, I always count the cash before making any deposit since there is a live feed recording on the ATM and it gives me peace of mind that if I make a deposit and I get credited the wrong amount to my account, it is easy to review. Wells Fargo issued a provisional credit on XX/XX/2023 and then reversed the credit. I called Wells Fargo regarding the situation and they said nothing can be done. I find it unfair to make a deposit and not get the right amount issued into your bank account and then get penalized for an error on the bank 's behalf.
Consumer complaint received 2024-08-12
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. (MA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$69.00}
Consumer complaint received 2024-08-12
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Account Balance : {$32000.00}
Consumer complaint received 2021-02-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (LA)

I have started to receive letters from A law firm stating that I owe a balance with Santander Consumer through a third party for a debt from 2014. Santander has falsified information to approve me for an auto loan that I will later default on. In which state was found guilty in a multi-state settlement with the Louisiana Attorney General 's office. I've ask them to remove this from my credit report multiple times for their unlawful practices. When contacting Santander Consumer representative will hang up the phone on me or not get back with me with a response
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/2020, i ordered a replacement debit card. On appx. XX/XX/XXXX i went online to my account to see if I can check status of the debit card and came across my balance being less by {$3300.00}. This red flagged me because I didn't have a card to access any money in the account. I immediately contacted capital one customer service and told the i did not receive the card, and that the transactions weren't mine. The transactions occurred in XXXX, NY i was advised and i do not go to XXXX. The tranactions were on XX/XX/2020 an ATM withdrawal for {$800.00} and for {$360.00}. ON XX/XX/2020 the same. {$800.00} and {$360.00}. Also on the XXXX a money order was purchased at the post office for {$1000.00} plus a fee of {$360.00}. Customer service opened one claim for the ATM withdrawals ( 4 ) and one claim for the USPS transaction. On XX/XX/2020 i received a credit for {$1000.00} and on XX/XX/2020 i received a credit for the ATM transactions. 

On XX/XX/2020 the credits were reversed by capital one. WHY???? I never received my card. Capital one states i activated my card. I did not. I never got it. Also, I gave capital one the letter that I received from the USPS that on XX/XX/2020 a thief stole mail out of the mail carriers wagon for my zone. They notified all the afected addresses of the theft. I also submitted a police report. 
Capital one closed my cases and basically don't care. 

The major problem here is that CAPITAL ONE let someone activate my card, NOT Me and gave access to a thief. So closing my case to run away from a bank mistake is not the right way to go. 

i can supply the phone bill with all calls printed showing no call to capital one. i also gave capital one the letter from the usps and the police report and they refuse yo open the investigation
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (SC)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have multiple accounts, names, addresses, socials, and phone numbers on my credit report that do not belong to me. I did lose my wallet with all my personal info around 9-10 years ago but did not know it was being used until recently. I have filed a police report and disputed it with the bureaus and they said it was proven to be valid which can't be true and have shown me nothing to prove it to be true.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received a VISA debit card for {$250.00} ( card no,. XXXX XXXX XXXX XXXX ) as a reward for performing XXXX  for XXXX XXXX. Unfortunately, I did not realize that it expired XX/XX/22. When I noticed in early XXXX, I contacted XXXX to see if they could extend the date. I heard yesterday from them that I would have to contact the issuer VISA ( Bank of America ). I contacted them and they are both unwilling to extend the date and also are playing games with my request. The first supervisor told me " no, they could not extend ''. When I asked to speak to her supervisor, she honored the transfer to supervisor request but ( perhaps ) hung up on me. I called back and the new person said he would escalate it to his supervisor. I am now on hold waiting for that person, and it has been at least three quarters of an hour. The attendant comes back on the phone every 6-8 minutes and says, " I am sorry, we are waiting for the supervisor ''. I asked this person to have the supervisor call me, but OF COURSE they are unwilling as that is not their policy. They have no value for a customer 's time but, in my mind, are just playing games with me hoping I will go away. If I were making a request to get their credit card, I know I would not be put on hold for this length of time. I understand that the expiration date has passed by three weeks, but I also know they have been paid by XXXX XXXX. I think there is nothing but greed on their part in that they are unwilling to extend the date, especially given these difficult covid times. I believe a multi-million dollar company could do much better and SHOULD do much better. I am not happy at all with the way I am being treated, being placed in an unlimited queue to speak to someone, nor am I happy that they are making it so difficult to speak to the supervisor. Nor, that they are that inflexible when all they do is make money off the working person. 

I suspect that the lobbying industry has put all kinds of regulations in place to protect the big money donors like VISA, Bank of America, thus hurting the average working-class citizen. I believe that they received the money from XXXX and should be forced to give it back both to me or anyone else in this same situation. With the computer at their ready access, they can view the card easily and see it was never cashed. 

Thanks for listening.