davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I applied for a mortgage loan with Fifth Third in XXXX of XXXX. The Mortgage Originator I worked with was XXXX XXXX. My complaint is on how Mr. XXXX unethically and unprofessionally handled my application. 

I provided all the information required to underwrite my loan only to be turned down at the end. The dream house that I wanted to purchase is now at risk of being sold.. I provided him all that was needed for a pre-qualification so that I can pursue the purchase of my home. He requested that I increase my down payment to ensure approval. After listening to everything, he said I received a pre-qualification letter dated XX/XX/2020. This letter made me believe that I was able to move forward with contacting my real estate agent to finalize my purchase of the home. 

I understand banks have varying degrees of requirements. However, XXXX unprofessionally handled my file, which led to the denial of my mortgage application. During the loan process, XXXX, for some odd reason, reviewed my sister 's account and commented to I should use her funds to purchase the house instead of trying to obtain a loan through Fifth Third. He was not given permission to review my sisters account. Also, his comment made me think that he was aware of my denial before getting the final decision by underwriting. Why was I given the pre-qualification letter and why during the process did you make me feel that approval of my loan was assured. His delver of my denial was very unprofessional and predatory. 

I have additional concerns of the handling of my private information that I would like to discuss with someone. I can be contacted at XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2020-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (TX)

Looking at purchasing a XXXX for ~ {$3000.00} via their website. They offered financing via TD Bank. The terms seemed good so I decided to finance it. 

Received a letter that I was denied credit. The same letter listed my credit score as XXXX out of XXXX. 

I checked my credit to see if something was amiss. It wasn't. The company clearly checked my credit. 

I followed up with TD Bank. They then sent another letter saying they were unable to verify my identity. 

I have worked for over 25 years, own two homes, and recently paid off a vehicle. There is no reason to deny my credit. The offer of financing seems like a scam. 

Please assist.
Consumer complaint received 2020-03-31
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. (AR)

I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$2500.00} DPT ED/XXXX XXXX {$4200.00} DPT ED/XXXX XXXX {$1900.00} DPT ED/XXXX XXXX {$12000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX   XXXX {$420.00} DPT ED/XXXX XXXX {$21000.00}
Consumer complaint received 2020-06-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

I received a phone call from someone claiming to be with Ocwen XXXX  and was going to help me with a government modification loan. I was then asked to go to a wire XXXX and get money on a card and give them the information from the card on Friday XX/XX/2020. I was very skeptical, but they assured me it was legitimate with a ID # XXXX for Mr. XXXX. I loaded {$200.00} on a card and gave them the number from the card. I didn't have {$200.00} extra dollars, but was looking for a way to catch up my payments and have them lowered. I have since done some research and discovered I've been scammed.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C (OH)

this was from a complaint filed on on XXXX and the companies response : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We acknowledge receipt of this complaint. We have reviewed the file and the account was placed with our office as part of a prelegal portfolio. This means that the account meets the criteria or our client to review the file to send it to a law firm once it has been recalled from us unresolved. We have not made any misrepresentation and there has been no bona fide threat of legal action by our company. The account in question was identified on our system as an account originating with XXXX XXXX XXXX  on XX/XX/XXXX. The account was subsequently purchased by XXXX XXXX XXXX. We have forwarded a copy of this complaint to our client and we have requested validation of the debt from them. Once we receive the validation from them that is required we will provide it to you. Thank You.
Consumer complaint received 2020-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Was sick with XXXX, Capital one called me to put me on deferred payment plan. Then they called a few weeks later demanding payment and said my deferment was not completed, so I consented a 2nd time to a deferment plan. They still contacted me demanding payment and never put me on deferrment, Now ever since XX/XX/XXXX they call me on average 5 to 8 times a day, from various different numbers, a total of 199 times thus far with over 40 voicemails and I block all the numbers and they keep calling from different numbers.
Consumer complaint received 2020-03-31
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)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$300.00} XXXX  XXXX  XXXX {$1000.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX   XXXX XXXX {$1000.00} XXXX  XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (NJ)

An original letter dated XX/XX/2019 requesting the inaccurate entry being reported under, I have recently been informed that there is negative information reported by Public Records - USBK Court New Jersey Docket # XXXX in the file you maintain under my social Security number. Upon reviewing a copy of my credit report, I see an entry : XXXX XXXX  XXXX. # XXXX {$500.00} Caine & Werner # XXXX. {$380.00} XXXX XXXX  XXXX XXXX  # XXXX {$1200.00} XXXX # XXXX Please feel free if you should need any additional information. I can be reach via e-mail : XXXX or mail XXXX XXXX XXXX XXXX, NJ. XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America will not apply my additional principal payments I make towards my RV loan. They place some towards Principal and some towards Finance charges and push my payment due dates out. I'm ahead of my payment schedule. My principal balance is not dropping by my additional principals paid. ( minus loan pay, etc. ) I've contacted Bank of America a couple of times about this problem. I just got off the phone a 3rd time since I've had this loan with XXXX who tried to explain ( but couldn't ) that I don't really have a payment due until XXXX 2020 and that the Finance charge on my statement is really a holding place for the next payment. So my extra principal I'm paying only buys me time and pushes my payment due date out not reducing my principal Balance? Every time I make an extra payment I specifically tell the teller I want the extra to go to principal. They tell me it will but doesn't. At least not in a way I'm used to. I believe this is a deceptive tactic on Bank of Americas part and would like it investigated.
Consumer complaint received 2020-07-24
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. (IL)

I, XXXX XXXX, received two debit cards in the mail on XX/XX/XXXX. The debit cards were from XXXX XXXX and Illinois Unemployment. I found this suspicious so I took them to the police. They recommended that I check my credit reports. When I checked them my TransUnion report showed twenty-five loans from a company called XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. All loans were closed except four open accounts. The XXXX   report did not show any of these loans. The total amount in loans outstanding is {$290000.00}. I had not heard of this company nor did I do business with them. When I tried to call, XXXX XXXX XXXX XXXX, the phone number is not good. I tried finding them on the web and they do not exist to my knowledge. My bank, XXXX XXXX XXXX XXXX XXXX, pulled a credit report on XX/XX/XXXX and none of these loans appeared. I have filed a dispute with TransUnion and filed a claim with IdentyTheft.gov.
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX  has failed to provide results of my investigation on the following items : 1. XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. They even dropped a court case against me when they realized that they could not prove this account was actually opened by me. I started disputing this account back in XX/XX/XXXX, but Transunion and XXXX  said they verified the debt. How is this possible when the original creditor could not verify the debt. My last letter in XX/XX/XXXX yielded no response from Transunion and XXXX  to this issue. 
2. XXXX XXXX XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. 
3. Unverified Inquiries - I asked them to verify this inquiries were created by me by asking the creditor for my signed application. None of these creditors could provide me with a signed application. Yet, Transunion says they verified these inquiries. 
I did not create these inquiries : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX According to the Fair Debt Collection Practices Act, Transunion has broken the following statues : 1. Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I never received the following from XXXX, yet Transunion is reporting them on my credit. 

2. Failing to follow debt dispute procedures 3. Failing to conduct a reasonable investigation my dispute 4. Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX the Wayfair site had an invitation for a Wayfair Comenity Bank credit card WITH AN ASSURANCE THAT IT WOULD NOT NEGATIVELY AFFECT THE CREDIT RATING AND THAT THERE WAS NO HARD INQUIRY. I was APPROVED FOR THE CREDIT CARD AND WAS THEN ASKED TO CLICK THE BOX FOR THE CARD. 
The predatory invitation concealed the fact that Comenity Bank then proceeded with a hard inquiry which remains on my credit report today. Comenity Bank is responsible for the inquiry and gives a defensive canned response that the consumer agreed to the inquiry which is not the case. Comenity Bank works with Wayfair and thus solicits consumer credit card applications conceal the fact that a hard inquiry will be done after the faux approval for the card and faux guarantee that there will be no hard inquiry. This is predatory practice and should be stopped. In the interim Comenity Bank needs to remove the unauthorized hard inquiry on my credit report that will stay on the report until XXXX and does affect my credit.
Consumer complaint received 2024-08-29
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)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2020-06-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Fund, LLC (OH)

Midwest Recovery LLC. has placed a debt on my credit report with no notification or verification to me personally for a cash store loan in the amount of {$550.00} on or around XX/XX/2020. 

I sent them a validation of the account letter via certified USPS mail requesting validation of this item with NO RESPONSE of any kind. Under the fair debt collection act when an item is disputed and while under dispute it needs to be removed from a personal credit report. 

I have attached a copy of the letter sent to Midwest Recovery LLC and also a copy of the signed return receipt that they did in fact receive my letter.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

At the end of last year, I transferred money out of my savings account at Suntrust ( now Truist ). I was not sure if this would place me under " minimum amount needed '' to stave off fees, so I kept looking at the online account dashboard as well as statements to see if any monthly fees were being taken out due to balance reduction. None were being taken out per what was shown online and per what was on the statements. 

Cut to XX/XX/XXXX, and all of a sudden, the dashboard online is showing that {$7.00} had been removed from my account since XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 4 fees taken out altogether, {$28.00} in total ) If you review the statements for XXXX or XXXX or XXXX or XXXX, you do not see any notation of monthly fees being taken out. And it was not transparent that these were even being removed until XXXX of this year on the online banking dashboard. 

It's a very clear cut case of lack of transparency and potential deception. These fees were being removed for months before I had any idea that it was happening. Neither the online banking dashboard nor the monthly statements showed this was happening. 

When I raised the issue to the bank, they refunded 2 of them, but 2 still remain ( a total of {$14.00} ). I can't imagine how many other people this may have happened to - and how many people would not have noticed or been aware that this could've been happening on their savings account for months and months.
Consumer complaint received 2020-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

More than several times this company has been toying with my credit reports and listing and delisting this collection account on my credit report i have complained several times to this agency about their illegal practices, at this juncture I will like this company to be reported to the FTC ( XXXX XXXX XXXX ) for abusive practices, and numerous violations of FDCPA rules. In a previous complaint number XXXX that has been closed, the company removed the false reporting from the credit bureaus but continued to send me notices and i responded to their notices the same way i have in the past they have then said they have already responded to me and now considered this matter closed, but again i check my XXXX  credit report today XX/XX/2020 and see they have AGAIN resisted and placed this collection item back on my credit report after the removal It seems that XXXX only removed the item to have the original complaint closed only to relist it again on my credit report. The LAST LETTER i received from XXXX was DATED XX/XX/2020 and not even 2 weeks later they are again reporting this false item on my report without even waiting 30 days for a response yet again another violation from this agency, and when i do respond they are basically telling my response will fall on deaf ears as they now consider the matter closed. I have no debt with THIS collection agency. I have not agreed to the " assignment '' of the debt in writing or verbally. I have not received goods or services ( consideration ) from this collection agency. Your agency has sent a letter deeming this matter closed as your agency removed the account from my report and to date I find it relisted for the more than fifth time on XX/XX/2020, I will be taking more aggressive action against your agency, If your ( XXXX ) agency fails to immediately remove fraudulent reporting on my credit reports which will result in a suit for monetary damages. I request that you and your agency provide me with the following good and valid evidence that is provable in a court of law : 1 ) a valid copy of the original SIGNED contract with the original creditor or an original written confirmation of evidencing the transaction resulting in the indebtness to the original creditor. Computer documents or a bill or electronic evidence created after default on the indebtedness shall not qualify as such documentation. 2 ) a valid copy of the original statements from the original creditor showing the balance amount of the debt owing ; 3 ) A letter/contract of assignment attached with proof from the original creditor to XXXX XXXX XXXX, XXXX that grants XXXX XXXX XXXX, XXXX the authority to legally collect on the debt ; I have not agreed to the " assignment '' of the debt in writing or verbally. 4 ) Proper and complete written notice concerning the debt ; 5 ) Valid proof from the original creditor of my clear consent to disclose my personal and business information to your agency a third party.
Consumer complaint received 2020-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I have a mortgage with Carrington Mortgage Services , LLC . I submitted a written request to have the MIP removed in XX/XX/XXXX. I was informed that I did not meet the UPB requirement and that the MIP would drop off when UPB was {$120000.00}. I continued to be charged MIP beyond that UPB, and subsequently paid MIP, for 6 more months. Each month when I spoke to a Carrington rep about it, I was told, " It is scheduled to be removed next month ''. I finally submitted a XX/XX/XXXXcomplaint in XX/XX/XXXX at which point I received the attached letter ( from XXXX XXXX, Customer Advocate Dept )  stating that I would be refunded {$210.00} for 4 of the months. Again, I paid MIP for 6 additional months totaling {$320.00}. I was also told that the refund should be expected within 90 days.

After leaving 3 messages for XXXX XXXX between mid XXXX and late XXXX, without a response, I finally got a call from her on XX/XX/XXXX. She stated that the MIP had already been refunded and the check cashed. She provided me with a copy of the canceled check which was for {$100.00} ( issued on XX/XX/XXXX ). 

It did not seem right to me at the time and it was not until I was able to further investigate that I was able to find an escrow analysis statement, also dated XX/XX/XXXX, that showed a surplus and refund of {$100.00}. This document is attached to this complaint as well. 

I have yet to receive the MIP refund of {$210.00} ( should be {$320.00} by my calculations ) which I was told I should receive by mid XX/XX/XXXX. Furthermore, if I did not have a slight idea as to how all of this works, I would have chalked it up to XXXX XXXX providing me with correct and accurate info and would have walked away ( as most people would ) losing {$320.00}. The number of time I have been provided with inaccurate/incorrect information is appalling and borderline criminal. I'm sure a lot of their customers are in a similar position and are being taken advantage of.