davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

XX/XX/2018 I paid {$100.00} they told me that my account was paid in full and that my account was now closed. 4 months later they are now calling my saying I owe {$290.00} in late fees and that they will take legal action if I don't pay they call about 15-20 times daily for the past two months, they text my phone 15-20 times daily as well, they call from block numbers all day long before XXXX and after XXXX the representive I spoke with was so rude to me I was pretty much forced to pay something even though I don't owe anything
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

The credit card company was authorized to draw more than 30.00 out of my checking account on automatic payments. This month the company drew on 30.00 and an extra 420. Without my authorization. 

Best Buy VISA Card/Citi Bank
Consumer complaint received 2019-04-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

My mortgage was sold to penny max and they raise the interest rate up over what I closed at. I was at around 4.5 and now Im close to 6 percent. This makes a big difference on the payment and over all loan amount. Can you help me with this. XXXX XXXX
Consumer complaint received 2019-04-19
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: EQUIFAX, INC. (CA)

I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX
Consumer complaint received 2019-04-19
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. (CA)

I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

Received monthly statement for LLBean MasterCard issued by Citibank, NA, which included {$1.00} in interest charges. Called credit card customer service line on XX/XX/19 for explanation. Agent and her supervisor could not provide reason for charge and supervisor reviewed statements for prior 3 months to look for an explanation. All of my monthly payments have been paid on time. Unable to provide an explanation, the customer service rep cited a bank error. Amount credited. Concerned others may also be charged this fee by this businesss deceptive practices. Canceled credit card since company could not explain this charge. If every one of its customers is charged {$1.00}, {$2.00}, or {$3.00} in fantom interest charges, this amounts to a substantial windfall for this company. Please investigate for deceptive practices.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cedars Business Services, LLC (NY)

Cedar Financial is a collection agency for XXXX University. XXXX is claiming I owe them tuition on classes I had dropped because of two primary issues. One reason was because of the fact that I was a resident of XXXX and was enrolled in a program at the school even though the XXXX XXXX XXXX   no longer allowed students to enroll because of accreditation issue. XXXX failed to notify me that XXXX was no longer allowing XXXX to admit students from XXXX. I would not have taken classes there had I know there was an issue with the accreditation. I am also a XXXX with XXXX because of my military service and notified my advisor that I was experiencing difficulties with focus and needed to drop my classes. I was advised that I could do so and that charges for that term were covered either by student loans or would be refunded. Despite this, I was charged for tuition despite having dropped classes and disenrolled.
Consumer complaint received 2019-07-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I purchased a lemon law enclosed trailer when I tried to dispute it as I was in my 24 hour to return this lemon and the guy doesnt even have a name using a compressor company  falsely charging and selling out of state claiming falsely to be a ga dealer but selling Alabama to avoid being caught the trailer is defective axle broke its suppose to be new. Contacted my Wells Fargo credit card dept to dispute it still no action had been taken
Consumer complaint received 2020-04-28
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. (LA)

After four months of trying to get the credit bureaus to correct the errors in my report, I still have unverified accounts on my report. I have asked them in writing for proof of verification for going on five months now I have supporting documentation. On one particular account the alleged creditor was deleted because of the erroneous account but the collection account for the same false and since then deleted account has been never been removed ( that took four months to complete ) I have asked all three bureaus to send me documentation of these accounts they are claiming are mine I have had a lock put on my credit reports for having fraudulent activity I am simply trying to correct the damage do to my account and am receiving an extremely hard time trying to do so.
Consumer complaint received 2021-01-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I noticed that there are still four ( 4 ) private student loans that Navient is reporting to all 3 major credit reporting agencies : XXXX, XXXX  and XXXX  and is appearing on my credit report. I do not believe the information is being reported accurately, is not complete information and is not verifiable. I disputed all four private student loan accounts with all 3 of the credit reporting agencies several times, and they said the information has been verified and/or updated by Navient. 
The date opened, date closed, date of last activity, date of last payment, high balance, monthly payment history status, etc. are appearing different on each credit reporting agencys report and some of that information is not appearing at all. 
These inaccurate unverified accounts and information that is being reporting by Navient has also caused me to be denied credit, is negatively impacting my creditworthiness and my credit score. 
I called Navient 's number listed on my credit reports ( XXXX XXXX XXXX in the afternoon of XX/XX/XXXX to verbally dispute the accuracy and completeness of the account information being reported and spoke with 2 people in 2 departments. Neither of the people I spoke with were able to locate any information about the private student loan accounts that are appearing on my credit reports. They said they can not see any record of any private student loans in my name. I provided them with all identifying information requested to try and locate these accounts. The found a profile for me as an individual, but no visibility of any private student loan accounts associated with my identity. 
I sent a certified mail letter ( attached ) similarly worded to above that was confirmed to be delivered to Navient on XX/XX/XXXX ( USPS delivery confirmation attached ). Navient did not respond or acknowledge my dispute with them in any way, nor did they inform mark the disputed accounts as disputed on any of my 3 credit reports. 
Since Navient has exceeded their required response time of 30 days AND did not indicate the dispute status on my credit reports, I believe they are out of compliance with their obligations as a furnisher of information per the Fair Credit Reporting Act and likely are violating my rights as a consumer. 
Navient can not legally report accounts to a credit reporting agency if none of their employees can locate any information about the accounts existence to verify.
Consumer complaint received 2019-07-07
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: PERL MORTGAGE (CA)

XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU DEAR SIRS ON OR AROUND XX/XX/XXXX I ENTERED INTO AN AGREEMENT WITH XXXX XXXX, A BROKER AGENT OF PERL MORTGAGE INC TO PURCHASE A HOME AT XXXX XXXX XXXX IN XXXX XXXX, CALIFORNIA XXXX. THIS WAS AN HECM TYPE LOAN, OTHERWISE KNOWN AS A REVERSE MORTGAGE. MR. XXXX SET UP THE LOAN THROUGH XXXX XXXX XXXX. I EXPLAINED TO HIM MY FINANCIAL SITUATION GOING FORWARD AS I AM XXXX  AND WANTED TO MAKE SURE I HAD ACCESS TO FUNDS TO PAY EVERYDAY EXSPENSES. MR. XXXX ASSURED ME THAT XXXX XXXX XXXX WOULD CONTAIN THESE THREE PROVISIONS, TO PAY TAXES, INSURANCE, AND ALLOW ME TO RECEIVE FUNDS. HE ADVISED ME THAT I SHOULD GO WITH A FIX RATE WHICH AFTER 6 MONTHS WOULD GIVE ME FUNDS ON DEMAND AND THAT HE WAS WORKING WITH XXXX XXXX AND THEY WOULD CORRECT THIS ISSUE AND HE WOULD GET BACK TO ME. IN MY LAST CONVERSATION IN EARLY XX/XX/XXXX MR. XXXX CONFIRMED TO ME THAT XXXX XXXX WOULD PAY THE TAXES AND INSURANCE AND AFTER SIX MONTHS I WOULD HAVE MONEY DEPOSITED INTO MY ACCOUNT WITHIN ONE WEEK NOTICE FROM THE BANK. 
IN LATE XXXX I RECEIVED NOTICE THAT TAXES WERE UNPAID. VERY CONCERNED I CONTACTED PERL MORTGAGE CONCERNING THIS PROBLEM REGARDING THE TAXES AND TO WITHDRAW FUNDS IN TO MY ACCOUNT. MR. XXXX SAID HE WAS WORKING WITH XXXX XXXX XXXX  TO REWRITE THE LOAN TO WHAT HE PROMISED. 
MR. XXXX AS OF THIS COMMMUNICATION HAS YET TO RETURN OR TAKE MY CALLS. I CALLED MR. XXXX MANY TIMES TO ASK HIM IF I SHOULD PAY TAXES DUE XX/XX/XXXX, BUT HE HAS NEVER RETURNED MY CALL. 
I HAVE TRIED TO COMMUNICATE WITH XXXX XXXX  FOR INFO REGARDING MY LOAN, BUT THEIR REPLY WAS THAT THEY HAD NO ACCESS TO MY RECORDS FROM PERL MORTGAGE AND COULD NOT DISCUSS THE LOAN WITH ME. I HOPE THAT YOU CAN HELP ME WITH THIS SITUATION. 

YOURS TRULY
Consumer complaint received 2020-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My mortgage servicer has been misapplying my payments since XX/XX/XXXX. They have been applying the wrong amounts to both principal and interest. In addition, they have not been applying my payments towards arrearage to principal or interest. Furthermore, they did not completely Reinstate my loan, after XXXX entered an agreement with them to do so. That occurred in XXXX. They did not apply the funds to principal or interest, and did not reconcile the loan. I entered a complaint to CFPB in the past. My prior complaint ID is XXXX. I will be submitting documents and a spreadsheet, which proves my mortgage is paid in full.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have recently gotten XXXX XXXX for me and my kids and I found that capital one has not one allowed someone to open a account in my name and I have a fraud alert and was not alerted to a application being put in or a card sent and used. They allowed some one to open a credit card in my XXXX yr old daughter name XXXX XXXX ssn:XXXX dob:XX/XX/XXXX I have contacted the company multiple times about both accounts I have submitted a police report and letters I writing I am asking for this company to delete the accounts my name is XXXX XXXX ssn:XXXX dob:XX/XX/XXXX
Consumer complaint received 2019-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Account Details Last Reported XX/XX/XXXX Collection Agency XXXX  Original Creditor 11 XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$290.00} High Balance {$290.00} This is not my account as I have used XXXX XXXX  since XX/XX/XXXXand XXXX before. 

please remove from Transunion credit report as it is not reported by XXXX  or other credit reporting agencies. I have no documents to attach as I never had this account. 
Nobody has ever contacted me about this account. It just sits on Transunion only.
Consumer complaint received 2019-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, I called in TDBank for support for disputing a charge. Call attendant said to called again at another time when charge gets posted officially, refusing to help to dispute charge or leave instructions to dispute later, requiring me to call again. 

On XX/XX/XXXX, called in twice, both call attendants refusing to help. On first called, the call attendant refused to help after 5 questions of authentication and refused to get me help, wasted 20 minutes. On second call after an hour of wait, attendant said the account is locked and refused to help on my charge dispute. 
There's no consumer protection at TDBank to help dispute erroneous charges. There's a setup to deter and discourage customer complaints. 

For three calls in total, a strange run-around setup and can't get anything done. 
Please provide heavy fines for this corrupt institution. Do not use TDBank.
Consumer complaint received 2019-07-07
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: Freedom Mortgage Company (AR)

I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to Freedom Mortgage Company and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by Freedom Mortgage Company because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once Freedom Mortgage Company was contacted. 

Payment application errors : Freedom Mortgage Company rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? Freedom Mortgage Company should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
Freedom Mortgage Company did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : Freedom Mortgage Company Loan #. 
Freedom Mortgage Company credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
Freedom Mortgage Company should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I sent a dispute to Transunion due to 8 items on my credit report being shown with a current status of " 120 days past due ''. Now since these accounts were paid in full and have a XXXX  balance they can not also be past due and a violation of my rights. Furthermore due to these student loans being discharged due to being XXXX and XXXX XXXX they should have been removed as I am not responsible for these accounts. On XXXX XXXX I received a response stating the items were updated or remains. On XXXX XXXX I mailed a request to Transunion asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Transunion in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' from Transunion dated XX/XX/XXXXjust stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Transunion did not comply with this request within the time frame allotted they need to delete the disputed accounts.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (VT)

My Lease with Honda financial Services was up on XX/XX/XXXX. I was negotiating a new lease/purchase with the local Honda dealer and told HFS that. They said they noted it and then I began getting XXXX : XXXX calls from " HFS '' which immediately asked for personal information i.e. DOB, Last four digits of SSN. Fearing a scam, I refused to give the info. Not being able to speak with me, they did not send me an invoice and instead reported me to the credit bureau as being delinquent, I have spent 2 and 1/2 hours on the phone today trying to resolve this ; I have paid the amounts that they said were due ( even though they did not send invoices ) and they refuse to correct the matter with the credit bureaus. 

By the way, I have never missed, or been late on any invoice I have received for 4 leased cars : 2 from Honda!
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a complaint with Bank of America. The Dept. of Banking, State of CT gtransferred the complaint to you ( case : XXXX ). I was contacted after that by two employees of the bank ( Resolution Dept. ). I gave them, the information you already have and the claims dept. of their bank has. First they said they wlould call me on XX/XX/19. They contacted me on a different date and said they would get back to me today between XXXX-XXXX. They havde not. I attempted to call them at the number given me, but got voice mail. I left a message, but no response. I now feel .ike I am getting the run-around. The two people I spoke to were XXXX XXXX and two times after that XXXX XXXX ( sp? ). This has been going on sinvce the beginning of XX/XX/XXXX. Meanwhile I am out {$540.00}. I am on Social Secjufrity XXXX swhich is my only income. I have been short since this error occurred. I DID NOT get that money. I have been with the bank for 34-35 years. You would think they would show me some consideration. Thank you.
Consumer complaint received 2019-08-22
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. (NY)

Hello, On XX/XX/2019 I logged on my XXXX XXXX noticed there was a hard pull made on XX/XX/2019. The company name I have never heard XXXX XXXX XXXX. I never walked into said bank or signed anything inquiring anything from them. Under the fair credit act I believe this to be fraud and was never authorized by me. I would like this removed from transunion who is currently reporting and anyone else reporting this as it is inaccurate information. 

Thank you for your time and help. If anyone has any questions you can call me on the phone and I will be more than happy to talk to resolve this problem as I never applied for anything.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion continues to state to regulatory agencies that my credit file is accessible and has minimized the countless hours, weeks and months I have taken to not only access my report online but remove fraud alerta, locks and freezes. They make a poor attempt of stating how seamless it was to remove such locks freezes and alerts when In fact I've spent over 300 hours on the phone with Transunion between phone calls, mailing, emailing and faxing communications to the company. They should be paying me over XXXX XXXX dollars in compensation for the issues. On top of this THEY STATE MY ONLINE ISSUE IS FIXED. THEY ADMITTED THERE WERE ERRORS. NOTHING HAS BEEN FIXED. 

Social security : XXXX