davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Tribal Lending Enterprise, Inc. (MI)

On or about XX/XX/2023, I submitted a loan request and it was received and processed by Ascendloans.com. It was approved and funding would be complete by XX/XX/2023. I noticed in my final loan docs, I could not make any changes, only submit? 
Once submitted, I went through to print my docs and discovered Ascend had my routing number incorrect? I immediately contacted Customer Support and spoke with a Rep, who stated not to worry, once the Loan rejected for incorrect routing, they could resubmit again. Only XX/XX/2023, I noticed my online Ascend account, my loan was funded? I first contacted my old banking institution and confirmed the loan did attempt, but was rejected back to Ascend. I contacted Ascend and spoke with another Rep " XXXX '' who stated he could walk through resubmitting my information. A few minutes later, " XXXX '' stated the loan rejected? He said I would receive documentation shortly. The rest of submitted documents explain the process and timeline that reflects Ascend LIED about the rejection letters and a then, once I submitted a complaint to the XXXX, they sent a Adverse Action stating they only rejected my loan, stating my " Bank was not compatible ''? I want me FUNDS as I was approved for immediately!
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$120.00} from Creditor : XXXX, 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 an account without my written instructions.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Neon Newco Corporation (OK)

You will assist me this time, this is every financial institution since I notified the VA and XXXX I was filing criminal charges on them, that they are doing blatant felony fraud. You took care of the XXXX  XXXX XXXX XXXX, the VA got word and you and the XXXX have refused to help me since, me and my attorneys have been recording the evidence. This is blatant, falsifying official bank records, creating overdrafts, entering of false information in order to deceive, sending false trans histories to a record device i.e. online, mobile app in order to deceive, failure to keep a true balance. The records coming from Netspend  that must be requested do not absolve the crimes. Federal law specifies that it is any record which the public relies upon. It's time the FED put Netspend and all their cards in a prison cell
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OR)

Ive had my Target red card since 2017, clean payment history, never delinquent. I have automatic payments set up from my credit union checking account, currently I was paying the minimum payment. My balance was getting a little high and I didnt want to pay 22 % interest on my balance I saved 5 % on at tik of purchase. I logged into their mobile app, and using the SAME checking account the minimum payment has been coming from, and selected to pay balance in full. A couple of days went by and I received a notice that I was past due. They claimed my checking account was close and payment was rejected, and charged me {$30.00} in fees! I called an told them that is the same checking account the monthly payment has been coming from and it is not closed. I reviewed my checking account history and no debit attempt was made from Target. I called regarding the account which was now 5 days past due and I was treated like a delinquent! They read me the attempt to collect a debt verbiage and they flagged my account with collection verbiage. I spoke with an account rep and they lied and said no fees were charged to my account, but my transaction history shows I was charged {$30.00} in fees. I was told they couldnt reverse a late fee they couldnt see. I was furious, told them to process my payment in full and immediately close my account. I consider this activity fraudulent and was charged additional fees for no reason. They are taking advantage of there customer and not following fair debt practices. My checking account shows the pending payment in full, but my Target account stills shows I am delinquent! This is not right!
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

So I was in a payment plan. But every time I tried to contact them about the payment they would tell me my account could not be found. I was under the impression that I was making a payment but when asked for a statement they would say that there was no such thing of a payment from a third party. I was making payments threw money management international. This company was distributing money individual to all the cards including Target. I called Target and they said that i needed to call the collection company. But when i did they said that account doesn't exist. So were did all my payments go. My account should of dropped because I gave about {$320.00}.
Consumer complaint received 2022-12-13
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

In XXXX, 2021, Roundpoint Mortgage, without our knowledge, paid our insurance company ( XXXX ) our home insurance premium for the upcoming year - {$1100.00}. This amount divided by 12 equals {$96.00} a month. Roundpoint then added {$230.00} per month to our mortgage payment for escrow. Our closing documents state escrow for {$38.00} a month for flood insurance only. Since that time we have been unable to resolve this issue. Have had multiple phone calls lasting up to 3 hours. We have paid Roundpoint {$1300.00} over 3 different payments to cover their {$1100.00} payment made to XXXX yet they still say we owe more money and are late on our mortgage payment. They sent threatening letters mentioning credit bureaus, etc. ( Husband and I both have excellent credit in the high 700s ). I've asked to speak to a supervisor but request was denied. I've sent Roundpoint the requested documents to request removal of homeowners insurance escrow - first rejection letter back stated escrow account had a negative balance, second rejection letter stated no because we have been late with payments within the last 12 months. We have made our regular mortgage payment of {$1000.00} every month, just not the additional {$230.00} a month for the escrow we did not want in the first place and have paid over the original amount to fix. When I've called them I am sent into a 'black hole ' of reps whose speech is difficult to understand. Their insurance department just transfers me back to customer service. As stated above, husband and I have been trying to resolve this issue since XXXX with minimal headway and no end in sight. My husband is in poor health and the stress of the situation has negatively impacted him. Roundpoint appears to be a 'bait and switch ' operation and as consumers, it appears we have no recourse and can not request another company to facilitate our mortgage payments. We are requesting the homeowners escrow that we never requested/agreed to be removed from this account, and the amount we've overpayed refunded back to us. Please help!!
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2020-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed these accounts a few times. A few years ago when the XXXX breach occurred, I checked my free credit reports for all 3 bureaus and noticed Capital one accounts # XXXX for {$370.00} & # XXXX for {$420.00} were opened fraudulently on XX/XX/XXXX, both accounts were then acquired by XXXX XXXX XXXX on XX/XX/XXXX. Today, XX/XX/XXXX, I sent an email to XXXX. I have also sent a copy via mail to this office CFPB, XXXX, FTC & Massachusetts AG office.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NC)

Since XX/XX/2022 I have been trying to get some type of understanding of my auto loan with Ally Financial. I have put in two complaints with this company under XXXX XX/XX/2022 and XXXX XX/XX/2022. The company responding back that they are still working on the issues. Ally Financial lied once again to the CFPB and myself because I received a letter today that was dated for XX/XX/2022 stating that my account is now a charge off and they will not be sending the title to the vehicle until I pay {$14000.00}. It stated that my account was a charge off but it was referred to there XXXX XXXX XXXX. So at this point in time it clearly shows that Ally Financial is not a trust worthy company being that they can violate so many of my consumer rights. 

Once again Ally Financial has broken yet another law with out blinking an eye 12 1026.13 Billing error resolution-Based on the Payment history that was received by Ally Financial XXXX XXXX states that the original balance is {$17000.00} with a remaining balance of {$14000.00} left to be paid. The contract on file states that the total sales price is {$27000.00} with my down payment of {$1500.00} there is money not being reported. Under 12 CFR 1026.13 what happened to the {$10000.00} it must be in limbo somewhere? What was supposed to be credited to me the consumer was clearly not. The total financed on the contract states {$27000.00} so what happen to the {$10.00}, XXXX dollars. After doing some calculations on my end the break down is not right in I stated that to the Agent from Ally financial XXXX XXXX when she called me after my first complaint with the CFPB. I have sent my letters of Affidavit, Cease and Deist of contract under my consumer rights of recession. The company still went against 12 CFR 1026.13 ( d ) Billing error resolution because they still counted each month as a missed payment and reported on my credit as a repossession which I have a copy of my report. So is it that Ally Financial can charge off my account and a sneaking way but report to the CFBP that they are working on the issues at two different times but still send me a letter, block my account and report fails information on my credit. Ally Financial is attempting to take advantage of a consumer and continuously lie. I have stated everything that was done in my letters to the company and my complaints with the CFPB. Also, I have uploaded all documents that was needed for my case because I do not trust Ally Financial to do what is right cause clearly they believe they are above the law.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC. (CA)

I refinanced my home mortgage with Watermark Home Loans in XXXX, CA in XX/XX/XXXX. About a month after the refinance was completed, I got a letter in the mail from the XXXX XXXX County Tax Collector 's Office. This letter contained a tax bill consisting of two payments, the first of which was due by XX/XX/XXXX for {$1500.00} Because I had recently set up an escrow account with the mortgage company, I phoned Watermark Home Loans at their XXXX, CA office. I directly asked the woman with whom I spoke on the phone if I needed to make this first property tax payment or if this would be paid from my escrow account. The representative told me that the property taxes would be paid from the escrow account by the due date and that I had nothing to worry about. 

After the due date had passed, in XXXX XXXX XXXX, I got another letter in the mail from the XXXX XXXX XXXX Tax Collector 's Office. This letter contained a similar tax bill as the previous letter, except that there was now an additional penalty due for late payment, totaling {$150.00} I contacted Watermark Home LoansXXXX XXXX regarding this penalty by sending a message through their website. The response that I got, a week later, was some " form letter '' stating that the escrow payment of {$1500.00} was paid after the due date. There was no mention of the late payment penalty. 

So, I sent another message through the XXXX  secure message system requesting that they address the penalty that I was charged. After a few more weeks had passed, I sent another message requesting an update. I got a response a few days later suggesting that I call their XXXX number. 

I called the XXXX number and spoke to a representative their at length about this situation. This woman told me that I would soon be contacted by the company regarding the penalty. This was over a month ago, in XX/XX/XXXX, and I never got any response. 

Today, XX/XX/XXXX I called the XXXX number again. I told the representative what had happened to this point and she suggested that I talk to a supervisor. I was placed on hold for ten minutes, when the original representative came back on the phone, apologized for the delay, and said that she would immediately connect me with a supervisor. I was on hold for another 15 minutes and finally hung up. 

Terrible customer service is a regular occurrence these days, but this company 's lack of response by its " employees '' is substantially more egregious than run-of-the-mill poor customer service. I have made several attempts to correct the situation, using different contact methodologies over a period of months. 

Most importantly, I should not be charged {$150.00} for an error that this company made after I specifically phoned them to be sure that it was dealt with appropriately.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I started calling the credit bureau back in XX/XX/2020 regarding unauthorized inquires on my credit report. I filed a FTC report and provided FTC file number. 
I sent letters to the companies that requested to pull my credit and did not receive a response. This is my last resort because I followed all the steps to get my inquires removed that I did not authorize. 

The following inquires and dates are unauthorized XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

I opened two accounts at TD bank in XX/XX/2020 and funded them ( also in XX/XX/2020 ) with {$2500.00} and {$1000.00} based on a promotional mailer I received, which promised credits of {$300.00} and {$200.00} based on meeting a number of conditions. 

The accounts were subsequently closed by TD Bank ( due to my inability to come in to a branch in-person ) but they did not return the funds. 

No one from TD followed up to return the funds or provide any information. They lost track of one of the transfers, but said it was returned to my bank, despite my never having received the transfer. 

I called, emailed, and went to a branch, provided ID, and documentation. They have been able to " find '' {$2500.00} but say they still " can not find '' the missing {$1000.00}. Without having provided any documentation or evidence, they say it was returned to my original bank and I should follow up there.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION (NV)

The vehicle was repossessed in XXXX of XXXX from a tow yard. For 6 months after that, I recieved parking tickets in the mail from them driving on my plates. Now they constantly change the status of my loan on my credit report, they agreed to close the account but mysteriously this month I recieved a " missed payment '' ding on my credit. The dates on this account are so wrong its laughable. It was taken in XXXX of XXXX, why would my last payment be in XXXX of XXXX? I've repeatedly disputed the information on this account with ZERO help. They never update the incorrect information, they just add more incorrect information. I'm at my wit 's end.
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

I called the company regarding this claim of debt, I did inform them that over the last 2 years I was victim of identity theft, I did file a police report XX/XX/XXXX with XXXX XXXX XXXX Police event number XXXX where XXXX XXXX was billing my account, I do not have XXXX service nor have I signed or done any business with that company. The letters and phone calls stopped but have started up again XX/XX/XXXX.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

Account number ending in : XXXX Wells Fargo case number : XXXXThe XXXX XXXX XXXX XXXX XXXX. accounts that you may be responding to, were not being reported by XXXX nor XXXX  ... however it appears XXXX XXXX was reporting to XXXX  only. It turns out these accounts were duplicates, paid and have been removed. See upload. These reporting 's were being reported in error. Now I kindly ask that you restore my credit line back ... AND NO I WILL NOT REQUEST FOR AN INCREASE.