davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WI)

I signed up for US bank silver checking account using a promo which would give me {$200.00} once I meet the criteria. The criteria was to make 2 bill payments of {$25.00} or more and my account will be credited with {$200.00} in 60 days. 
I met the criteria on XXXX XXXX XXXX. Its been 68 days and I have n't received the {$200.00}.
Consumer complaint received 2017-11-17
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. (NC)

The Student Loan Listed as : XXXX XXXX Date Open XX/XX/XXXX is reporting 60 and 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending XXXX School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies Experian, XXXX, and XXXX to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC (NC)

I was summoned to court on XX/XX/XXXX for an unpaid balance owed to Mariner Finance. XXXX XXXX had contacted me on XX/XX/XXXX at XXXX to see if I wanted to make payment arrangements after they had already filed court papers against me. I advised him that I was going to make a payment on XX/XX/XXXX and that was not enough to satisfy my debt. I had called in to speak to XXXX XXXX on XX/XX/XXXX wanting to make payment arrangements for today and on XX/XX/XXXX in the amount of XXXX but he quickly advised me that was n't acceptable. The conversation got heated due to not coming to an agreement on a suitable payment arrangement and XXXX XXXX continued to over talk me. I felt very intimidated when he advised me that I owe them money and I need to pay it. He continued to over talk me and he advised me that I do n't need to be rude to him nor have any kickback. I advised him about my situation and the reason I was past due. I was in a near XXXX XXXX XXXX on XX/XX/XXXX in which I almost got XXXX in a XXXX XXXX XXXX due to the other party XXXX XXXX XXXX the XXXX and nearly XXXX me, his wife and child and maybe himself. I advised XXXX XXXX when I got my settlement back that I would pay this debt off and he kept asking me when I was getting it. I advised him that I was n't for sure. I understand XXXX XXXX has a job to do but that 's not the way to do it. I understand I owe my debt and I own up to my debt that is owed but that 's not the correct way to treat a consumer if they are at least trying to pay. People run into hard times but it seems as if XXXX XXXX is only wanting a paycheck and not wanting to help the consumer.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX. I received a debt collector letter how much I had to pay. I responded on XX/XX/XXXX. I requested for a validation and still waiting for respond. XX/XX/XXXX I found out it was reported on my credit report. The letter states that I have 30 days if I do n't respond they will report to the credit bureaus. IC System has violated the US Code Title15, Chapter41, SubchaterV- debt collection practices.They reported early to my credit bureaus at the XX/XX/XXXX day. Unfair and false statements. I contacted the credit bureau and sent in the docs and was removed. They do not have the right to do that. I looked in to the company and they really have bad ratings. This company should be fined for improper activity.
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NC)

DiTech transitioned us from bi-monthly payments to monthly payments when they discontinued that program. Somehow, during this process, they had to reallocate funds which is making our account show as delinquent. Which it is NOT. We have called at least 4 times and every time they say it is there error and that they will pass it on to a supervisor and correct it. Then a few weeks later we will get another delinquent account letter for a higher amount. This most recent letter was for {$9300.00} but when I called, it had increased to {$10000.00}. I spoke with a supervisor, XXXX, employ number XXXX who assured me that he understands the severity of the situation but also informed me that they have reported us to the credit bureaus. It 's absurd, we have NEVER missed a payment. We have worked so hard for our credit score, my  husband is XXXX and was literally offered his dream job today contingent on a credit investigative report and I came home to this mail. I am in a near panic. We have been trying to get this resolved for months and I was assured on my last call several weeks ago that it would be resolved and it WAS NOT. It should be illegal to do what they are doing. This is 100 % their error.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I went to the atm machine at citizens bank at XXXX XXXX XXXX, XXXX, pa XXXX to get money from my XXXX XXXX XXXX credit card. I did this on XX/XX/XXXX at XXXX and the machine said " action selected is not available at this time. please retry '' so at XXXX I retried to get the money and the atm said " amount entered exceeds the available balance. Please try lesser amount ''. at XXXX on XX/XX/XXXX I called XXXX XXXX XXXX and I was told that the {$23.00} I asked for was issued to citizens bank the first time and they were unable issue another {$23.00} a second time. so on XX/XX/XXXX I saw the bank manager ( XXXX XXXX ) about the atm did not give me my {$20.00} and did claim {$23.00} on my credit card. he said it was not his problem because he is not in charge of the atm. he said I was going to have to try to get it back myself. so on XX/XX/XXXX I called citizens bank and talked to a XXXX XXXX and she said there was nothing she could do. I talked to XXXX XXXX XXXX on XX/XX/XXXX and filed a complaint and they thought citizens would not ask for the money. on XX/XX/XXXX I wrote a complaint letter to XXXX XXXX XXXX , ceo of citizens bank usa in XXXX, ri XXXX and have not heard anything from the bank. XX/XX/XXXX XXXX XXXX XXXX called me and told me that citizens bank demanded the money. XXXX XXXX called citizens to try to get the money back. they talked to XXXX XXXX and she took down a formal complaint from me and XXXX XXXX XXXX on XX/XX/XXXX. so far I have not heard from the citizens bank about my {$23.00}. I tried talking to someone on XX/XX/XXXX and after making 3 phone calls to citizens and being bounced around 6 times I decided to write to you. 

I feel they stole my money because they were told before they took the money that I never got it in the first place. they put it in their accounts and not mine despite me trying to get it from them.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (VA)

Hello, I was given a very short deferment by Truist Bank, but was not given their longer deferment program due to extreme financial hardship. They told me to call XXXX of their account managers due resolve the situation and was given the run around, then was passed on to their underwriters who said they could not do anything for me nor even lower my payments. Then, they advised me to speak to collections again about their longer deferment period program which I am eligible for and was Ultimately. they completely ruined my credit by XXXX points on every single credit bureau and ruining my access to lower interest rates and other creditors on my credit report. Therefore, Truist is responsible for more reporting bad information to not only all XXXX credit bureaus, but to all of the companies and creditors that I do business with. I have never missed a payment in over XXXX years and had a wonderful XXXX XXXX XXXX which is now completely disintegrated and, in my opinion, XXXX  Please help with this disservice. Thank you.
Consumer complaint received 2017-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XXXX XXXX, XXXX Amounts : {$920.00} Actions : I called XXXX XXXX XXXX and told them that I did not get on the Paramedic when they came to get me after an XXXX attack. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XXXX XXXX, XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XXXX XXXX, XXXX ( 5 yrs, 5 mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live 2 hours close to it. I contacted XXXX XXXX  XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XXXX XXXX, XXXX ( 2 yrs, 7 mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XXXX XXXX, XXXX ( 3 yrs, 10 mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX needs to verify with where they got this information and find the right person who owe them. 

Dates : XXXX XXXX, XXXX ( 3 yrs, 9 mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX XXXX  which I have no idea what 's that. This needs to be removed. 

Dates : XXXX XXXX, XXXX ( 2 yrs, 8 mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX XXXX XXXX which I know but the amount is totally wrong, and the account is more than 7 years old, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

This is reference to the letter from Wells Fargo Home Mortgage. letter dated XX/XX/XXXX the following : 1. Improper foreclosure notice I never received a foreclosure notification for XX/XX/XXXX to XX/XX/XXXX. The foreclosure laws was not adhere to. 

On XX/XX/XXXX, a XXXX XXXX XXXX XXXX, XXXX as nominee for loan link financial services instrument no. XXXX was filed. I received several letters and was able to get the home out of foreclosure. However, from XX/XX/XXXX to XX/XX/XXXX when XXXX XXXX, XXXX, CA XXXX Loan # XXXX. 

Therefore, you did not answer the question of what was I notified that the house was in foreclosure. 

Moreover, on your letter dated XX/XX/XXXX you stated that in the Foreclosure action, " ... account should not have been referred to foreclosure at that time due to the payment posting issues and the bankruptcy which was filed on XX/XX/XXXX. Had the payments been posted as you requested, and had there not been a bankruptcy filing the account MAY have EVENTUALLY gone into foreclosure at a letter date. 

You were in direct violation of the United States Bankruptcy Code. In addition, you committed forgery by crossing off my father 's account number for payments and placing my mortgage account number instead. Thus, instituting a Forced Foreclosure. 

2. Payments applied to incorrect property : Wells Fargo Bank responded is an out right lie and fabrication, because from XX/XX/XXXX and XX/XX/XXXX, mortgage payments were being paid with bill pay via XXXX XXXX XXXX XXXX. This problem did not exist. 

3. Fraudulently Changed account numbers I contend that you were orchestrated a Force Foreclosure without notifying me. Moreover, Wells Fargo commented fraud by changing the account numbers on my mortgage payments. 

All documents have been scan into my last complaint for your reference.
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here (VA)

I XXXX XXXX have an issue with the company Priority buy here pay here located in XXXX on XXXX XXXX. Please help me. They sold me a car in XXXX and after 5 months the cars transmission went out. They kept my car for a week and when I got the car back on XXXX the XX/XX/XXXX, the car started leaking transmission fluid and gave me the same issues before I took it to them. They gave me the car back from them and stated after they assumed to fix the transmission that I needed an oil change. I asked them to do everything they needed to do to fix my car and they did n't. They stated I did n't need the passanger window to roll down in order for them to inspect it. They also stated that " it woulda been more money for them to fix the flickering lights on the inside of the dashboard. They also stated that they were no responsible for the car. Not only did they not fix the transmission, they sold me a lemon. As soon as I purchased the car I was having some electrical issues with it and could never get a hold of anyone to assist me with doing so. Finally once I submitted a notice online on their website they called me back about my issue. I still had to purchase a rental car for a whole week totaling XXXX dollars. I can be reached at XXXX.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (ME)

I sent CFPB a complaint on X/X/17 stating that I did not agree to cosign a student loan for my granddaughter. Sallie Mae responded X/XX/17 stating that they could not provide a call recording because it is proprietary information. They attached the Application, Promissory Note and Final Disclosure.
On the promissory note, page 4 it states " Your signature on this Note is binding ... '' The Note is 7 pages and there are no signatures on any of the 7 pages, nor are there any signatures on the Final Disclosure.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC. (CA)

XXXX XXXX/XXXX XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/20157, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, XXXX XXXX/XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX/XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX/XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX  XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2017-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX I opened a savings account and funded it with {$1000.00}. On XX/XX/XXXX, with no notice my savings account was closed by BMO. A check was supposedly mailed to me but I was travelling and it was returned by the post office. It has been a nightmare trying to get this {$1000.00} back. I have called, chatted, messaged, XXXX and no one has been able to help me. I was told I could call a supervisor named XXXX XXXX at XXXX. That number was a fax so no help. I was told XXXX XXXX from the internet sales team would need to call me back. She never called. When I followed up I was told there is no one there by the name of XXXX XXXX. This has been a very frustrating experience. It 's even more frustrating that I have a checking account and it would have been possible just to deposit the money there. It also would have been very helpful if they had communicated the need for any paperwork or that they were closing the account. All in all a very bad experience with this account and all the customer service reps who could n't help.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. ()

My complaint is recording my XXXX XXXX XXXX XXXX account. 

For the past four years I have lived overseas because of my husband 's job. For three of these four years, I have been able to go onto the XXXX 's website to see my account statement and pay my bill. However, this past year XXXX 's updated their website and required users put their account/credit card information into the site as if for the first time. This was a problem because I do n't have a current XXXX 's card - XXXX 's never sent it. The only card I had was expired, which would n't work on the site. I called customer service several times about this and was told that XXXX 's will not send either a credit card or a paper statement to an overseas address. In an attempt to compromise, I asked if I could give them my son 's address in Virginia. He could get the bill and send it to me by email. He never got anything. 

On XXXX XXXX XXXX, I wrote letters to both XXXX 's billing and their credit departments for a solution. XXXX 's reply ( XXXX XXXX XXXX XXXX came in the form of an email saying to go the Document Center online to see a very important letter that could affect my account. Please note that this is in response to a letter saying that I have no access to my account online. 

I contacted a customer service representative on XXXX XXXX XXXX site on XXXX XXXX, again to try and get a result. The response I got today ( XXXX XXXX ) by email categorically stated that XXXX 's will not send a paper statement to an overseas address and suggested that I call the customer service center if I had any further questions. I do not want to do this for two reasons : 1 ) this is not just a long-distance call for me, but a trans-Atlantic call and 2 ) the service center has proved unhelpful in the past. The email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX did contain this month 's statement. When I looked at the address on the bill, it was indeed my son 's address ; however, XXXX XXXX failed to put c/o [ my son 's name ] in the address line. The address simply had our names and our son 's address. I 'm assuming that the post office has returned said mail as not living at this address. That said, I do n't think it 's fair to put the burden on my son for me to get my bill. 

Over the past 6 months or so, I have been paying my bill blindly through my bank hoping that I was at least paying the minimum amount. As we were in the process of moving from XXXX to XXXX, I did n't really have the time to deal with it, which is why it has taken me this long to file a complaint. I do n't want to be issued credit, I just want a bill so I know what I am paying. 

Please note, the account is in my husband 's name but I am an authorised user.