davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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: Continental Finance Company, LLC (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VT)

We got a check XX/XX/XXXX it was deposited on XX/XX/XXXX. The money was removed from the persons account on XX/XX/XXXX we have documentation to all of this on XX/XX/XXXX the bank still has the check on hold. We have called twice. This is TD Bank.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2024-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (AK)

Freedom Mortgage XXXX has deleted all online accounts for VA XXXX XXXX who have assumed loans. There is no fix for this, and Freedom mortgage will not allow myself, or other customers who have these types of loans to have access to view their account, view payments, or download loan and tax documents online. 
XXXX has given false promises for timelines to fix this issue, and with all deadlines having come and gone, it seems clear that there is no intent to fix this problem.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I got a notification from Wells Fargo that my XXXX XXXX was removed for the credit card unexpectedly on XX/XX/XXXX. I immediately called the bank which they said the credit card was closed by the bank and could not give provide a reason of this closure. 

Please keep in mind, my XXXX XXXX is high and I always paid my monthly dues even before the due date. This allowed me to have my rewards up to XXXX XXXX 

This closure will negatively impact my XXXX XXXX as I fully lost trust in Wells Fargo.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

Im sick and tired of his bank denying me credit I applied in store this time as they told me with my id and their stupid system wont even pull my credir to see if I qualify for this card Tjx card why are they doing this to me must they hate me
Consumer complaint received 2024-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (NE)

I contacted NewRez on Wednesday, XX/XX/year> as our mortgage was paid in full on XX/XX/XXXX via wire transfer according to payoff instructions provided. I was told by an individual that on Monday, XX/XX/XXXX, my account should be updated to show it was paid off. On Monday, XX/XX/XXXX, nothing had changed with our online account. As such, I inquired on Tuesday, XX/XX/XXXX to request additional information from customer service representative, XXXX, and that the matter be looked into. The same day, I had our new mortgage provide pull proof of wire transfer and send it to the servicing/application department on my behalf. I was told we would have a response within 24-48 hours. Wednesday, XX/XX/XXXX, we had still not received a response so myself and the new mortgage provider called NewRez and spoke with Supervisor XXXX XXXX, again we were told the matter would be escalated and we would receive a response within 24-48 hours. Thursday, XX/XX/XXXX, we still had not received a response so I contacted NewRez and was not able to get any additional information. Friday, XX/XX/XXXX, myself and our new mortgage provider contacted NewRez to obtain a status update to no avail. On Friday, XX/XX/XXXX, our new mortgage provider inquired with the Federal Reserve to verify that funds we received by the stated financial institution. On Monday, XX/XX/XXXX, we called NewRez and spoke with XXXX XXXX, who was very rude and not helpful. She submitted an escalation/inquiry and said it would be 5-7 business days before receiving a response. On Tuesday, XX/XX/XXXX, we contacted NewRez again as we still haven't received a response. I spoke with supervisor XXXX XXXX who contacted the backend wire department again and told me to expect a response within XXXX hours. I have gotten the run-around every day for over a week on this matter, while in the meantime receiving notifications from NewRez about late payment, late fees, and that non-payment would be reported to credit bureaus. 22 days since our mortgage was paid in full with no resolution in sight.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (CA)

I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.
Consumer complaint received 2024-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

XXXX XXXX XXXX RADIUS GLOBAL Amount : {$1200.00} Opened : {$1200.00} Re : Fraud/ Aggravated Identity theft I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you RADIUS GLOBAL 's attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

RADIUS GLOBAL is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you RADIUS GLOBAL is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by RADIUS GLOBAL for the accounts opened ( XX/XX/year> ). 
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you RADIUS GLOBAL into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud.

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 
Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (OH)

On XXXX XX/XX/year>, Cardmember Services, apparently for US Bank but not shown anywhere on the letter, raising my APR due to use of my credit line authorized by US Bank.

Reasoning for this increase included : 1. " Ratio of balances to credit limits too high ''. In other words, I used the credit offered and am now being penalized for using it.

2. " Number of accounts with delinquency ''. I have one account with one late payment in the last five years plus... 

3. " Proportion of loan balance to loan amounts too high ''. A rewording of " reason '' # 1.

4. " Length of time revolving accounts have been established ''. I am to limit my credit to only those accounts I opened, what, five years ago? Credit card companies offer store cards, such as Tire Discounters, and then penalize for accepting their offers? 

On XXXX XX/XX/year> I contacted the XXXX to affirm that they " appreciate your business and understand you may have questions about these charges. Feel free to contact us anytime ... '' The representitive could not answer any questions related to the letter and referred me to contest the letter in writing. 

On XXXX XX/XX/year> I initiated a complaint with the Ohio Attorney General linking this issue with US Bank to three other credit card companies that are " feeding '' off this same scenario to raise APR 's. They lower my credit limit as I pay down the balance then raise my APR because I used the credit amounts they authorized me to use.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am the executor of my mothers estate and have been trying to close her two remaining accounts since XX/XX/2014 when my mother passed away. I have hired at least three different attorneys who have communicated with Capital One as well as contacting them directly myself on numerous occasions. I have been given the run around time and again ( transferring to different departments, changing contacts, changing requirements, etc. ).
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (WA)

This matter relates to a JOINT CHECKING ACCOUNT held by me and spouse with Key Bank National Assoc. 
The events are as follows : 1. Due to a theft ( c. late XXXX XXXX ) of purse, a couple of checks ( contained in the purse ) were lost. However, this was not detected until a fraud was committed using the stolen checks ( see attached - note date and amounts ) to withdraw funds c. late XX/XX/XXXX. 
2. As soon as this was detected XXXX early XX/XX/XXXX, my spouse notified the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX to start the process. For a long time, we were NOT notified of any progress/status update by either the above branch or ANY action re our attempt to recover the funds. 
3. c. late May, I was approached by XXXX XXXX XXXX XXXX XXXX XXXX Key Bank University XXXX XXXX - details below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as he had learnt internally about ( lack of any action ) re my case and offered to help. He initiated a formal Fraud Investigation and thereafter the matter was escalated upto the XXXX Offices, as follows - * Fraud case number is XXXX ; phone number to Key Bank XXXX XXXX XXXX. 

4. After a further period of wait, I was contacted by XXXX ( XXXX? ) via phone from Key Bank XXXX XXXX in XXXX, for collection of information. After another period of wait, I was told verbally over the phone that Key Bank was DENYING my claim because of DELAY in filing the fraud paperwork. I have recorded VM message of contact by Key Bank but no other record of conversations with representative of the XXXX XXXX ( although I was told that a transcript is kept ). 
I have since repeatedly asked for this formal determination via email or writing that I am yet to see till today. Note that Key Bank does NOT contest the fact that fraud was actually committed but is nonetheless denying the claim due to the above procedural issue that we were NEVER informed about when 1st reported.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

I live in XXXX XXXX Texas in a rural area. The mail from our mailboxes is frequently stolen. This past week I received mail about multiple bank/financial accounts being opened or attempted to be opened in my name. Yesterday I was contacted by XXXX with XXXX XXXX in UT, and he said he'd spent XXXX minutes on the phone with a guy that he determined was not me, and the guy was attempting to open an account. XXXX was able to trace the guy and identify him as : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX or XXXX This morning I filed a police report with the XXXX XXXX County Sherrif 's department. 
Filled with Deputy XXXX XXXX ( XXXX ) XXXX The banks I received mail notices from are XXXX, XXXX XXXX, XXXX XXXX, XXXX Banks, XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-11-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (NJ)

I am writing in response to my communication regarding the permanent nature of FHA mortgage insurance on my loan. While I understand the FHA regulations as outlined in your response, I find this policy to be disproportionately burdensome, given the following : Increased Financial Strain : My property taxes and homeowner 's insurance premiums have significantly increased, further escalating my monthly obligations. 
Home Appreciation : My home has appreciated substantially since the loan was originated, resulting in an updated LTV ratio that would qualify for mortgage insurance removal under alternative programs. 

Refinancing Challenges : While refinancing is suggested as a solution, the current market interest rates would significantly increase my monthly mortgage payment, making this option financially unsustainable. 

I respectfully request that your organization review this aspect of the loan and explore potential avenues for relief. Specifically, I ask for your assistance in advocating for policy changes or providing options such as streamlined refinancing, temporary mortgage insurance reductions, or alternative solutions to offset the financial burden. 

Rising homeownership costs and the inability to remove mortgage insurance despite substantial equity have placed an undue strain on my finances. I look forward to your response with actionable next steps and a commitment to exploring alternative support methods. 

Thank you for your time and attention to this matter. 

Sincerely
Consumer complaint received 2022-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

- I am writing regarding FedLoan Servicing 's ( FedLoan ) and the U.S. Department of Educations office of Federal Student Aid 's unacceptable delay in processing my Public Service Loan Forgiveness ( PSLF ) application. Based on the limited waiver criteria with more recent amendment to include previous unjustified forbearance months, I have made well over 120 PSLF qualifying payments. 

I submitted my first application on XX/XX/XXXX for PSLF with a request for consideration for loan forgiveness through TEPSL, as my correspondence with FedLoan indicated to do. Despite serving in the public mental health sector for over ten years at that time, this request was denied. 

After the limited waiver was introduced, and particularly with the additional allowances targeting unwarranted forbearance periods, I thought this issue would finally be resolved. 

I submitted applications for PSLF on XX/XX/XXXX and XX/XX/XXXX. I submitted a complaint to Federal Student Aid on XX/XX/XXXX when I had not yet received an update to my qualifying payments despite the overwhelming evidence with documentation I submitted. On XX/XX/XXXX, I submitted further documentation verifying my non-profit work in providing mental health services to children and adults of my community. 

I have painstakingly documented the uncounted qualifying payments through previous and current employers as well as forbearance months which clearly coincide with changes in payment plans and was done on the advice of FedLoan officers at the time. On XX/XX/XXXX, I received an " update '' on my complaint filed through the office of Federal Student Aid only after requesting that the complaint be escalated to the Ombudsman group. 

However, the response merely stated the months of forbearance ( again, for reasons which the limited waiver is explicitly meant to correct and compensate for ) was not approved without reason. The response also stated my PSLF request on XX/XX/XXXX has not yet been processed and made no mention of my XX/XX/XXXX request. Although this most recent correspondence directs the borrower to submit a request for reconsideration, this process began with request to review my information. 

The delay in processing is unacceptable and I would like your assistance. Attached is the most recent email indicating my complaint was closed ( without legitimate resolution ) as well as a screenshot of my complaint 's case description and included documentation. This should clearly illustrate what over 25 email confirmations from FedLoan also highlight, that all requested information to process PSLF has been submitted.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

After navigating through Experian 's incredibly intentionally misleading and confusing website, all designed to trick me into signing up to pay them, I see that even though I filed a dispute about incorrect information, which they agreed to remove through the formal dispute, it is still up there! Also Experian is so focused on trying to trick me into paying them, I can not find any way of even getting notified of attempts to access my credit even though I am the repeated victim of ID theft. For a company that has in the past provided my information to be used to commit fraud in my name this is wholly unacceptable. Also I can not even extend the very limited 1 year fraud alert until it expires. It certainly appears that Experian is trying to do everything they can to make sure my information is available to anyone who requests it.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (SD)

The establishment is not protecting my account. This is the third time someone tapped into my account and stole my money. The timing is so precise.I 'm beginning to think that is someone at the establishment that's doing it. This causes me to not be able to pay my bills It also incurs late fees.