davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (FL)

I open a student checking account for my son XXXX XXXX at a TD Bank in XXXX, XXXX XXXX so he could have money for a vacation he was taking XX/XX/XXXX to XXXX. When my son went to use the debit card, he had no money on the card. XXXX days later someone cashed a check in XXXX on XXXX at a TD bank for {$600.00} with the same last name ; but the check bounced so they took the money from my son 's account. I have been trying for the last 3 weeks to get his money refunded back to him and every time I go the XXXX Branch or call the XXXX number they keep giving my son and I the run around. This is clearly a mistake that they made, but they keep saying they are still investigating. My son is only XXXX years of age so there would be no reason why he would be in XXXX and even so he was in XXXX at the time the check was cashed. My son had to end his vacation early because he had no money to spend. I worked for the police department in XXXX so I filed a fraud complaint with the police department and a policeman went to the XXXX Branch to find out why they had n't refunded the money while they was doing the investigation and they said they were still investigating. He told the bank that did n't make sense because it clearly shows that the my son was using his debit account in XXXX when the {$600.00} transaction when through. The policeman told me that the reason why they are having a hard time finding a person on the cameras is because the check was probably cashed from someone inside the bank.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX XXXX XXXX account.. Transunion reports incorrectly that this account has a credit limit of {$5000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion reports incorrectly that this account has a current balance of {$25000.00}. This account has issued a XXXX cancellation of debt .Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have XXXX Bank of America credit cards. For about the tenth time in XXXX years I have made my monthly payment timely to B of A, in excess of the minimum amount due. B of A has a system error they refuse to fix whereby payments submitted in close proximity to the generation of a monthly statement will be reflected on the account, but will not clear the " payment due '' code online or in their voice response system. And that is not just a harmless " glitch '' -- it is actually on their books that there is a payment still due. The XXXX time I assumed it was a " glitch '' and would resolve itself, it did not, and B of A started calling me about a " late payment. '' Subsequently it happened numerous times. This past month it happened on XXXX of my B of A cards and with the payment due notation still on there, I just went ahead and for about the XXXX or XXXX time just made a double payment because I did not have an hour to dedicate to sitting on hold. So, happened again this month on my other B of A account, made my payment, still showed due. So I started an online chat a few days ago and the rep said they would fix it. They did not. I have now been on the phone for almost an hour with B of A and they are saying all they can do is reverse the payment I made and have me remake it. And they first tried to tell me the incorrect story that it was a " glitch '' that would resolve itself once the next statement generated. I pointed out to them the first time I made that assumption they were on the phone with me calling me and accusing me of failing to make a payment when due. Unbelievable, unacceptable, bumbling incompetence. They should have their license pulled.
Consumer complaint received 2015-10-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents XXXX XXXX, XXXX. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.
Consumer complaint received 2016-12-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX, HUD Housing Specialist, tel # XXXX, ticket # XXXX informed us this morning that this Borrower does not qualify for the FHA Preforeclosure Sales Program due to the delinquency of over 43 months. She stated that this was a Bank of America error. She stated that it was up to the lender whether or not they would accept or reject a pending offer. 

No one from Bank of America has ever advised or disclosed this information to us or the Borrower. In fact, the information that was given us was that it was HUD that would not allow the postponement of the scheduled Trustee Sale scheduled on XXXX XXXX. No one from Bank of America has offered any " other '' Short Sale programs that the Borrower may qualify for. Compounding the problem is that we have 2 appraisals with a significant difference in value. 

Due to this oversight, we request that the sale be postponed. We are submitting a new all cash offer for {$250000.00} today. We request that this offer be considered for a HAFA short sale or any other alternative short sale. But, we need time to properly prepare the Closing Documents based on whatever program the Borrower qualifies for. 
Any consideration less than this would not be in good faith due to the discovery of this oversight. Please escalate this to the highest level. Thank you!
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2016-08-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I did refinance my mortgage with Ditech company. My first payment had to start on XXXX/XXXX/16. 
Company had offered free electronic payment on their site. It was very convenient and I did scheduled payment of {$760.00}. XXXX on line by connecting with my XXXX checking account. 
It pass 2 days after my payment scheduling, and I received confirmation from Ditech that my payment went through. When I did check my banking statement I did not see any money were taken from my account. I did make a call to Ditech customer service and addressed the issue. 
Answer was that everything is OK and they have my money. My question was how they do have my money if it is not taken from my account? after time I did another calls, trying to get strait this issue, but it was not successful. ( after 2 months they put that they do reverse my payment of {$770.00} ). I do not understand how they did reverse something, that they never took. 
Still, I knew that have to make a payment for XXXX, and I did it {$800.00} by check, which was paid by XXXX from my checking account. For month XXXX I did the same way another {$800.00}. Money were taken from my account and I have confirmation that checks were deposed by Ditech. 
After that I did XXXX payments directly by my personal checks the same amount for XXXX, and XXXX. ( From Ditech respond was that they have my personal check ). 
One month ago it was on XXXX XXXX, I received a call, and letter from collector that I am late with my payment. My respond was that I am on time with payment. Customer service representative tried to explain me that 2 payment one for XXXX and second for XXXX were returned to my account. I told that it is not true, I do not see any money to be deposed to my account. They ask me to sent all my information from my bank statement which I did. 
I continue to pay my mortgage on time. 2 days before I dd received another letter that I am behind the payment. I do repeat all information, trying to explain what happen, I am tired. 
Look like nobody takes any action to get straight my account, and my payments. 
I am sorry about refinancing with them, I had to go on internet and to read consumers review about the company, ( there are many complaints more than XXXX about the company ) but now is too late. 
I had with them mortgage before refinance, and I did not have any problems. I did refinancing for fixed inters rate.
Consumer complaint received 2020-12-23
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: ALLY FINANCIAL INC. (PA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX and ALLY FINANCIAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authori zation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a check from Bank of America for a residual balance on a closed account. Inadvertently, I cashed this check, which was beyond the " Void after 120 days. '' Initially the check was paid to my account. Then, the amount of the check, {$14.00}, was removed from my account, and I was imposed a {$12.00} returned item fee. In general, I find Bank of America 's fees to be deceptive as they are not clearly advertised, yet they are imposed frequently. I find the returned item fee of {$12.00} to be unfair as it is Bank of America who owes the {$14.00}. It is predatory to not only keep my money once the check is void, but then to charge me {$12.00} when I try to claim the money that is mine.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has several systemic issues in addressing consumer complaints. :1 ) If new information or documentation is provided regarding a dispute, TU automatically claims the dispute is frivolous as the " account '' has already been verified. 

2 ) While TU may not be required to investigate information from judgments/public records, they should at least make certain the information matches the public records! 
3 ) TU is not considering the original date of delinquency to establish the date the item will be removed. 

I have included the public records that clearly states the " filing date '' of a judgment is XX/XX/XXXX and the filing date on my TU report ( also included ) states XX/XX/XXXX. The other CRAs immediately removed this item when I brought it to their attention. After XXXX dispute attempts with TU ( most recent dispute attached ), I have decided filing a complaint is my best course of action. 

This error on my TU report is preventing me from purchasing property. This is unfair and is in violation of the FCRA. 

Thank you for your consideration, XXXX XXXX
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

UNFAIR PRACTICES and CHEATING BY WELLS FARGO I have saving & checking accounts and debit & credit cards with Wells Fargo. I used by my debit card to make an online payment. I had more than sufficient balance in My saving and checking accounts to pay for the transaction in full, however to settle the transaction the bank only used money in my Checking accounts and for the rest unfairly used over draft facility tied to my credit card. So while I have cash balance in my saving accounts I have been charged overdraft fees and interest for an overdraft on my credit card. THIS IS CHEATING as logically and as a fair business practice the bank should first be using money in saving account and not my credit card. I request your help to resolve the issue
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (WA)

I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2023-01-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MN)

We applied for and were approved for a mortgage on a new build in XX/XX/XXXX. We gave XXXX XXXX, XXXX XXXX, our closing date of XX/XX/XXXX. 
We provided ALL information as requested and paid appraisal fees within 24 hours. 
Our Title person reached out the week before and of closing with no response. 
We reached out daily and were told it was fine and moving along. We got a preliminary CD on XX/XX/XXXX showing everything ready to go. 
On XX/XX/XXXX, our closing date, we were asked for the same materials we had sent and a bunch of new information. It was sent. We missed our closing. We spoke with a supervisor who told us he didn't understand why there was a hang up. 
We agreed to move the closing to XX/XX/XXXX. 
On XX/XX/XXXX, the mortgage company asked for more statements showing daily balance and running daily balance. We have closed on 2 houses in the past and have NEVER had these problems. We continue to get the run around on XX/XX/XXXX and have no idea why this is not happening. They had 6 months. This is costing our family money, time and is beyond distressing.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

On Thursday XXXX XXXX, 2016 at XXXX XXXX, while working XXXX my boss sent me a text message stating that she needed to discuss a matter concerning my finances from a banking institution that intertwined with a client of mine. When I returned to the office, from my break, I received a phone call from my client stating that a letter from Navy Federal Credit Union was address to me with his address on it. I asked the client to come to the office immediately and when the client got to the office he showed me the letter, which did in fact have my name with his address. The letter contained my personal loan information, such as the loan number, the dollar amount of the loan, and a pay off amount to clear the loan. This letter was sent by Recovery Specialist XXXX XXXX with Navy Federal. I called the Navy Federal number XXXX and spoke to a representative and told her what was going on and she told me to call back the following morning to talk with the Supervisory Recovery Specialist. I called back the next morning and spoke to a Supervisor Recovery Specialist XXXX XXXX XXXX XXXX. She told me that she was advised by her supervisor not to discuss this matter with me. I asked to be transferred to another supervisor and was transferred to a supervisor with the last name XXXX. This person told me that Navy Federal did n't do anything wrong and would not tell me how she got my client 's address or how my client 's address was linked to my account. When I requested to speak to her supervisor she refused to put me in contact with her supervisor and hung up on me. My employment with the XXXX was terminated seven days after they were notified of the letter.
Consumer complaint received 2024-10-15
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. (TX)

My name is XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists : credit card # XXXX open at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and, and multiple hard inquiries from XXXX XXXX on XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on, XXXX XXXX on XX/XX/XXXX, These activity are result of fraud, and identity theft appearing on my consumer FICO credit report .I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IA)

15 % increase in monthly payment with no notice. 

I called Customer Service on XX/XX/23 regarding an increase of over {$120.00} for my monthly mortgage payment and it was told that it was due to tax increase of around {$200.00} and insurance increase of $ XXXX annually. Which is an increase of roughly {$500.00}, yet over {$1500.00} is being collected via my monthly payment to address this increase. 
Explained to the XXXX, I understood that I would be responsible for the increase and even understood a need for a cushion for the escrow, however, a 3 times the amount required is excessive. 
The XXXX explained that the department in charge of analyzing the escrow determines the amount of increase. A 15 % increase in monthly payment wrestling in a three-fold cushion for fee 's is at a minimum predatory, skirting on unethical. 
I challenge the tool utilized to determine the metric of a 15 % increase, requiring an excess recouping to escrow the tax/insurance three-fold. 
A three-fold escrow " cushion '' is excessive, on the surface arbitrary, and appears in favor of the financial institution, facilitating an excess of capital available for their organizations benefit from I am sure a large number of accounts utilizing these unsavory practices. 
This 15 % increase was initiated without notice or opportunity to appeal the increase. 
In summation, this practice is fraught with arbitrary application of fees well in excess of the required product ( tax/insurance ) which benefit the lender
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

upon reviewing my credit report I discovered a credit one bank card that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to EXPERIAN, XXXX and XXXX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and opened on time. upon reviewing my credit report I discovered a credit one bank card that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to EXPERIAN, XXXX and XXXX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and open on time monthly payments show on time that I attached but the reporting is inaccurate