davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian should not be reporting a collection in the amount of {$5500.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was originally from the City of XXXX and was apparently for an electric bill. I never missed a payment for my electricity and have always paid on time. There was a tornado in the area and consequently the power was out for over ( 4 ) days. I never received any notice that the account was in jeopardy nor did I have any expectation there would be a bill due for this large a sum. I was not aware that this account had gone to collections until I received my most recent copy of my credit report. I have tried to contact the electric company as well as to resolve this issue however, I have not been successful. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau as well to remove this but have not been successful.
Consumer complaint received 2020-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

LoanCare Mortgage Services have misplaced or not posted my payments 7 times now. I do bank drafts that my bank pulls directly from my account and deposits into their account, however LoanCare keeps stating they didnt receive a payment and call it late when they finally post it 5-13 days later. They intentionally do this to get late fees. My bank has investigated payments and all processed on exact dates I specified. They guarantee this. LoanCare is doing fraudulent things and need investigated.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, during the trip to XXXX, I lost my wallet. I immediately notified the credit card company of the lost card. I informed them that the loss occurred between the check-out from the hotel and the taxi trip to the airport, I reported the incident to the airport police station but to no avail due to the language barrier. They informed me that they do not write a report for a foreigner who lost their credit card and informed us to report the loss to the credit card company. 

We reported the lost/stolen card to HSBC and the subsequent unauthorized charges on the card which we disputed as a fraud. On XX/XX/XXXX, HSBC closed the stolen card account and credit all the unauthorized charges. Soon after the old account was closed and a new account was created, HSBC reversed the credit to the new account and charged us finance fees, late fees, and interest fees. 

We make a good faith payment of {$50.00} of minimum payment to the newly open account, hoping that they will reverse the charges and credit us for the {$50.00} we paid We contacted them again in XX/XX/XXXX and requested the total balance and all fees to be credited. HSBC first respond was the fraud claim was denied and demanded us to produce evidence of fraud. We told them we could not produce one since it was impossible and as stated reasons to them in XX/XX/XXXX. They denied our claim and stated they will investigate. 

60 days went by, and HSBC did not inform us of their decision until XX/XX/XXXX, we contacted them again to inquire of the decision. They informed us they still investigating and waiting for the merchant to respond. 

On XX/XX/XXXX, they denied our claim again and reasoning that we must produce evidence of fraud. 

We informed them that they have violated federal laws of charging interest fees, late fees during the investigation, They also violated several FCBA laws. 

While pending investigation, HSBC continues to charge interest, late fees, and report our late payment to credit reporting agencies.
Consumer complaint received 2020-05-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (NC)

Exeter Finance XXXX XXXX XXXX XXXX, TX closed my vehicle loan and reposted vehicle account during Pandemic COVID-19 situation. I had informed them about my employment was interrupted due to COVID-19. The finance company refused to take a flexible approach that would assist me and my account that would allowed me to remain current on this account and maintain the account to be opened.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (WA)

In mid XXXX of 2020 I contacted the " special loans '' dept. of my Mortgage servicing company ( Dovenmuehle ) and I spoke to " XXXX '' regarding a one time " recast '' request in order to lower my monthly mortgage payments. 
On XXXX I received mail from Dovenmuehle dated XX/XX/2020stating that if I were to wire them {$130000.00} plus a {$300.00} fee my monthly mortgage payments going forward would be reduced from {$2300.00} to {$1500.00}. On XXXX I requested my credit union ( XXXX ) to wire Dovenmuehle {$130000.00}. Unfortunately, XXXX made a clerical error and wired {$150000.00} instead. 
When I received my XXXX mortgage statement I noticed that my monthly mortgage payment still remained at {$2300.00} and the {$150000.00} payment went to reduce my principal. 
I contacted my credit union and they acknowledged their error and suggested that I contact Dovenmuehle and claw back the difference. I contacted " XXXX '' again ( not an easy feat ) and she stated they would fix my issue within days. When I did not hear back from " XXXX '' I contacted my credit union and a senior officer " a problem solver '' conducted a 3 way phone call ( poor guy was on hold for over half an hour ) between me XXXX and him. In order to make this transaction more expedient I agreed to give Dovenmuehle the entire XXXX and not to claw back any monies wired to them in return would have a lower monthly payment of {$1400.00} communicated to me via a letter dated XX/XX/2020. 
When I went on their website to make my XXXX payment I was not able to do so as it required that I pay the original {$2300.00} I made several calls to Dovenmuele and the reps. had no knowledge of my situation and would not transfer me to " XXXX '' or anyone else in the " special loans '' dept. 
On XXXX XXXX I received several documents from Dovenmuele which I had to get notarized and send back to them via self addressed XXXX envelope. I got the documents notarized the same day and attached my XXXX payment of {$1400.00} in a clear sealed envelope attached to the notarized documents. 
I have since gotten several debt collection calls from Dovenmuehle even though I have called several times and spoken to two seperate " supervisors ''.
Consumer complaint received 2020-04-24
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. (TX)

ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} million in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, disability, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.
Consumer complaint received 2020-04-24
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. (TX)

ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} million in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, disability, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.
Consumer complaint received 2020-04-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems (FL)

I found out toady through XXXX XXXX, that i have a collections with midwest recovery systems for a loan they said i took at a XXXX XXXX XXXX i never took such loan in the amount of XXXX they told me the loan is from XX/XX/XXXX taking in florida i was living in massachusetts in XXXX i moved to florida XX/XX/XXXX now midwest recovery systems sent it to XXXX and XXXX stating its in collections i never took such loan out with This XXXX XXXX XXXX dont even know who they are or where they are located please help me its ruining my credit
Consumer complaint received 2024-10-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the date XX/XX/year>, my friend tried to send me money through XXXX to my checking account, however, he couldn't find my registered phone number anymore. Therefore, I went to XXXX of the Bank of America and to figure out with a staff. After she checked my account, she just said all of my accountchecking+savingare frozen except for my credit card. And there was no reason showing. In the bank, I called the risk department with the bank staff and the staff of the risk department didn't see a reason showing neither, she just said my account is in the process of closing but it doesn't show a day. She told me to call the next day. Then, I made the second call the next day, however, the closing day is still not showing, all of my money is been held by the BOA. I am an international student who have been saving money for 6 years, these money are all from my parents for my housing and daily spends. All my money is in this one bank. Right now they are holding all the money and my house payment and credit is almost at the due day. I have to borrow money from my college friends to pay all these in the situation that don't know when my account will be officially closed and the check to be send out. The total amount of all of my accounts are about {$25000.00}. {$24000.00} are at the saving account. I have withdrawn about {$14000.00} check from my other bank XXXX and deposited it to the BOA saving account on XX/XX/year>. Because I keep receiving email the saying I have to have over {$20000.00} in my account to waive the saving account fee. Thus, I closed my XXXX account and deposited all the money to my BOA saving account to make it over {$20000.00}. But right now, after my money have been successfully deposited, the Bank of America froze my account suddenly without any reason and set me, a new grad student in a debt. Last but not least, BOA has not send me any notification on this action to my account and I can still check my online banking and receiving promotion from my email.
Consumer complaint received 2020-02-03
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 am writing because I do not recognize certain item on my credit report. The account is listed below. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Lender Inc (TX)

On XXXX of 2020 Self Inc. reported a late payment. I didn't realize it until XXXX and I contacted the customer service department they told me they could not fix it at that time I could not understand the error. Now XXXX I figured out the issue and screenshotted the info. I know the info was updated it was confirm with the rep and if I hadn't double check the issue, the problem would have happened again. The autopay was not correct again and if I hadn't manually paid the payment and checked within the 15 day grace period, I would have had yet another late on my credit report. Everyone makes mistakes and I requested for it to be corrected but they are trying to act like its my mistake.
Consumer complaint received 2020-04-24
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (NC)

While still living in XXXX  I opened 2 accounts ( checking and savings ) with SunTrust ( NOW TRUIST ) in XXXX XXXX XXXX  online. I made my husband the secondary account holder ( it was an option ) and transfered {$1000.00} into each account. I did this so that we would be all set once we move there in XX/XX/2020. The bank sent me temporary check and deposit slips as well as an ATM card. Shortly after receiving the items, we received a letter stating that the accounts had been closed due to " Rules and Regulations for deposits '' and the money was returned in same letter. We called the Fraud department of the bank but were told that any more information was not available. 
When we moved to XXXX  we contacted SunTrust ( now Truist Bank ) to open a new account. We were told that the " closed '' accounts could not be reopened. To the question if we could just open a new account, the answer was no at first. After probing and speaking to various departments over an hour on the phone, we finally got to XXXX in the Consumer department who told us that only I, XXXX XXXX, could open an account but my husband XXXX could not. XXXX received this information from the back office, as she called it, of the Fraud department. Further questioning revealed that I, XXXX, wouldn't even be able to give my husband access to the account. My husband got on the call with XXXX and after another check with the back office of the Fraud department was told that SunTrust will not allow my husband to open an account and that he was banned for life of doing business with SunTrust. 
We were told that the Fraud department refused to speak with my husband nor are they willing to give any explanation as to what the issue is or allow him to address and/or defend himself against any possible falsities.
Consumer complaint received 2020-04-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NE)

This complaint is in regards to U.S. Banks lack of providing financial relief during the COVID-19 pandemic. The U.S. Bank website is deceiving and contrary to the customer service representatives ( CSR ) information provided over the phone. Online does not provide any detailed forbearance information but over-the-phone a CSR said a Relationship Manager would provide repayment options AFTER enrolling in the " forbearance '' assistance program with no ability to know what the repayment options would be prior to enrolling. The CSR then said it was guaranteed that a Relationship Manager would provide a repayment plan in which the lump sum would not be required after 180 days of forbearance. Then, after further conversation, the CSR said it was NOT a guarantee that the Relationship Manager would have a repayment plan and that the lump sum COULD be required after 180 days. Thus, forcing customer accounts to go into default and potential foreclosures. With a company as large as U.S. Bank, it is imperative to have correct, detailed, and accurate information for customers to make an informed decision. Most forbearance assistance programs offer placement of payments on the end of the mortgage loan ; however, U.S. Bank is not providing ANY forbearance options, but rather a way to place financially strained customers in a further bind by using deceitful language to its customers.
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a bank account online on XX/XX/XXXX and I put money on it. 5 days after the account was locked. The bank didn't even notice me of anything. I called BA, a representative told me that I had to go to an agency during the pandemic to show my ID. When I got there a representative told me that my account was actually canceled and they issued me a check with my funds, that I will receive in about 5 business days. It s not what the representative told me on the phone before. I noticed that I also registered '' my new bank account '' to receive the money from the IRS. I said that to the representative at the bank, he really didn't care. He just told me that I could open a new bank account with them and let me understood that otherwise, I could leave right away. As he was impolite and rude, I said no and I left. As a result, all my money was on hold during the pandemic, just when I lost my job. About 6 business days after, the check was not in my mailbox. I called BA, one more time, to talk to a supervisor. I explained to her all the situation, especially that I needed my money asap. She just said '' you should have received it, you have to wait again it is our process ''. The check will be sent back to us in case there was a problem with the post office. She didn't even say sorry neither tried to find any solutions. She was like a robot reading some lines. I noticed, that I mentioned to all the employees that I lost my job during the pandemic, but it didn't matter to them. Today, I have to wait to receive my money, I can't pay my insurance and my rent this month. I don't even know if I will get my money one day It is the worst experience I ever had with a bank in the US. Usually, representatives are professional and try to find solutions.