davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Cadence Bank (MS)

XXXX XXXX XXXX, XXXX was in arrears by approximately $ 20K on a mortgage loan with BancorpSouth Bank as of XX/XX/XXXX. The amount remaining on the loan was approximately $ 120K, as evidenced by the invoice attached. On XX/XX/XXXX one of the buildings located on the property was destroyed by fire. After the tragedy, it was discovered that the property was foreclosed on XX/XX/XXXX. No notification of pending foreclosure was ever received by XXXX XXXX XXXX. The property was appraised at $ 240+ in XX/XX/XXXX ( please see copy of appraisal attached ). BancorpSouth contacted the insurance company and requested that insurance proceeds be sent directly to them ( please see attached email ). The building that was destroyed was insured for {$150000.00}. 
A check in the amount of $ XXXX was made payable to XXXX XXXX XXXX XXXX, BancorpSouth Bank, and Small Business Administration. If repairs were made within a certain period, then the additional coverage amount would be forwarded. As of this date, no check has been forwarded to XXXX XXXX XXXX. The bank now has the property and the insurance proceeds, which is much greater than the $ 120K that was owed. This seems unfair and unjust. XXXX XXXX XXXX paid the insurance premiums and seeks the insurance proceeds received for this loss.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (PA)

I have had a lease with Hyundai Capital America since XXXX 2017. I have been paying my monthly payments faithfully since! I received a credit limit decrease notification from XXXX on XX/XX/XXXX. They " lowered '' my credit limit to {$21000.00}. This I do not know why they did this as I am still paying on the lease. I am in a 4 year lease and pay on time every month. I feel they should not have done this because my credit score went down 15 points!!! This is not fair to someone who pays their bills on time and is trying to increase her scores!! I contacted them and the representative told me that they are reporting what my current balance is with them. They need to fix this issue ASAP. I hope you can help me. Thank you!
Consumer complaint received 2017-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries added a hardship and that my rights were violated by TransUnion. Can help you make TransUnion stop victimizing me? As a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (HI)

Equifax has data breach problem, and promises free for a TrustedID XXXX protection. I have been trying to register for the service since XXXX XXXX, and had called several time to solve the so-called " system not available '' issue, and has retried many times, and still got the same responses. Please help me to get protected from their mistake.
Consumer complaint received 2017-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (MA)

See attached letter from the XXXX XXXX XXXX XXXX, XXXX dated XXXX/XXXX/XXXX requesting {$1100.00} on behalf of XXXX XXXX. XXXX XXXX is not and has never been my Cable/Internet or Phone/Communication provider and I have always resided in XXXX, MA.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

My credit limit was lowered by {$150.00} because the minimum payment for  XXXX  was not  paid on time. I have since paid it, and I 'll admit that it 's about two weeks late. However, I do n't think I should be penalized in this way because my payment was two weeks late. I have had this best buy card for 9 years and I have never gone over the limit or missed a payment. But, the continuously lower my credit limit, diminishing my credit score. This is not fair and it shows that the company has little interest in helping consumers strengthen their credit profile. What it does suggest is that the company is actively engaging in practices that minimize a consumer 's credit profile. As a result of this change, my debt to credit ratio will be impacted, further driving my credit score down. I have worked hard to pay my bills on time and despite how Best Buy is treating me I continue to patronize the company. But, this type of behavior is telling me business is not appreciated and maybe I should take it elsewhere.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Since XX/XX/XXXX Capital One stated they would close the checking account 360 due to a mobile deposit I made from a contractor. I explained to them was my first time working with the contractor but no problem close the account since they said no other option. I was told I would receive a check for the amount that was currently in the account on XX/XX/XXXX. I have waited patiently and been calling, emailing, and writing letters to the company to no avail or response. Before XXXX I realized they had NOT closed the account and have continued to accept a portion of my stipend as well as payroll every two weeks since the XX/XX/XXXX deposit. I was told the account was n't closed for some reason, but that I ca n't access the funds. Which at that time it was {$670.00}. Today the balance is {$750.00} and I was told on XX/XX/XXXX I would receive the funds to my linked account outside of Capital One on XX/XX/XXXX. This action did NOT take place. I called in again and was told the holidays throws everything off and I would see the funds on XX/XX/XXXX. As of today I still do n't see the funds. I have called all day yesterday and this morning and keep getting the run around. They are telling me I can not talk to anyone live in the case review department that it 's not an option, and I told them this is unacceptable. I ca n't understand how or why I have yet to receive my money. I told them I have been calling almost daily since XX/XX/XXXX and emailing and I understand they get backed up but this is insane. Please help me get my money.
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TX)

XXXX  representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements.   The  DCI re p was  XXXX   XXXX . I told  XXXX   XXXX  that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave  XXXX   XXXX  my credit card information I specifically asked him if the account was being sent to the credit reporting agencies.  XXXX   XXXX  stated that as long as I did not default on my payment arrangement, it would not be reported.  2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI  had reported the  XXXX   XXXX   XXXX  account as a unpaid debt. I contacted  XXXX   XXXX  at  DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported.  DCI  is refusing to remove the account from the credit reporting agencies, even though the account is paid off.  DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.
Consumer complaint received 2024-11-07
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. (AZ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I had my previous mortgage with RoundPoint Mortgage ( RPM ) for servicing which I got refinanced in XXXX XXXX. So RPM got the full balance i.e. {$380000.00} on XXXX/XXXX/XXXX. On this dat my escrow balance was showing {$10000.00}. However they deducted one more XXXX on very next day ( XXXX/XXXX/XXXX ) of amount {$3200.00} which is their fault. After this XXXX my escrow balance went up to XXXX. After this they issued my refund in three separate checks of amount 1. ) XXXX 2. ) XXXX and 3. ) XXXX. I deposited all three checked in my wife 's account. After few days one check of amount XXXX was returned to us by our bank. When I checked with RPM they said they stopped payment on it but they could not explain why they did so. After conversation they agreed to re-issue they check which will reach in another week or so. I did not get any check so I called after 3 weeks on XXXX XXXX XXXX. I was shocked to hear when they said they do not owe that amount to me. I explained to representative everything, I ha gone thru the transactions and she accepted their fault and promised refund in a week. However I did not get any check and called them today XXXX/XXXX/XXXX and got to know they did not issue any check. I have all the documents with me but I can bet if you will ask a middle school student to go thru my account and transactions he will figure out the difference. Unfortunately it is very difficult to explain the same to RPM customer representatives as I have seen them struggling with simple addition and subtraction. I would request you to take this matter as I doubt they are running a scam to cook the transactions at the time of closing account as everyone will not notice it.
Consumer complaint received 2017-04-17
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (CA)

I am the son of  XXXX   XXXX . I opened a net spend account some time ago. I also opened an account with my mothers permission  XXXX   XXXX . As I take care of all her financial issues. I am the sole provider for her.   On  XXXX   XXXX  , 2017 my  sister  XXXX   XXXX  came to  XXXX   XXXX  and took my mother to  XXXX   XXXX  California.   Several days later after my mother left with my sister I received a text message stating that her card  was stolen/lost. Fi rst my mother is illiterate and can not spell and or explain herself as she had a   XXXX    XXXX .   then several days after this I received another text saying that you have been unsubscribed from our system. My mother does not know how to use a computer. This is my sister pretending to be  XXXX   XXXX . Thi s is Fraud.    Then days later I received another text saying that my account had been block for fraud.    XXXX   XXXX  sister  XXXX   XXXX  had called net spend pretending to be  XXXX   XXXX  and said that money was transferred from her account into my account. Yes it was with my mothers Permission. My sister  XXXX   XXXX  is into elder abuse and trying to get my mothers money.   I have on numerous occasion called net spend and spoke to several people about this matter and someone was suppose to call me back and no one has. My account has been blocked and I have not been able to pay my bills, My sons tuition was due last week in the amount of  XXXX  AND I CAN NOT PAY IT AS YOU HAVE MY ACCOUNT BLOCKED. No ONE HAS CALLED ME BACK and they said two days it has been a week and no one has called me. Every rime I call netspend they keep me on hold saying they are going to call me back i n two days. NO ONE  ahs.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (ME)

On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$990.00}
Consumer complaint received 2017-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I applied for a personal loan online on XXXX for {$5000.00}. 
OneMain Financial and several others offered me an approval. 
I picked OneMain Financial because it was closest to my house, and they said they could approve my personal Loan. 
I contact the office in XXXX XXXX, off XXXX XXXX and a XXXX XXXX named XXXX XXXX, she congratulated me and told me I was approved for a {$5000.00} personal loan I would just need to come in with tax returns and paycheck stubs, bank statements, proof of employment, proof of any assets ( bank statements, credit unions, title of car, proof of address, which she said my registration to my car and gas bill was acceptable. 
I rushed in with my info, she spent some time getting my loan through underwriting and went over the disclosure of " where to pay my loan, that some of the money was going to go to pay off my credit card, pay down my other credit card and the remaining would go in my bank account '' On the way out of the office, she was walking me out and Stated that if I was planning to sell my car, to call her and they would release the lien '' I was a little confused, as my understanding was this was a personal loan. 
I did not apply for a title loan, search for a title loan or under the impression that I was getting a title loan. 
I called six months later, with all my payments being current and never have missed one. 
XXXX originally disclosed that if I want to sell my car, just to call her and she would have it released When I called XXXX months down the road she told me that there is nothing she can do to get the lien released, that in order to release the lien I must go and reapply for another loan or have the funds from the sale of the car go directly to OneMain Financial and any remaining balance must be paid in full! 
I was outraged, completely confused and asked to speak to her manager. 
I told XXXX - the branch manager- that XXXX had broken predetory lending laws, in XXXX XXXX ( as even on their website they state they offer personal loans ) that she waited til after the entire process, I was in the parking lot and disclosed a list of things I needed to do to get my lien released. 
which was " sell my car '' 2. Call XXXX 3. XXXX would have lien released. 
XXXX then told me that I could apply for a higher loan amount. Which I rejected XXXX then didnt understand how I couldnt possibly assume this was a title loan. 
I told her I applied for a personal loan, i got approved for a personal loan and was never disclosed that this was a title loan. 
I told her I am not in the profession of personal loans, title loans or auto loans so I did not realize when they told me I was getting a personal loan that that meant a title loan. I told her XXXX asked for my assets and that is the only reason I gave my title of the car as proof that I owned something. 
PLease help me get my lien released as I am trying to sell this car and have a buyer willing to pay {$5000.00} today.
Consumer complaint received 2018-01-03
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: EQUIFAX, INC. (AR)

On XX/XX/XXXX ... .XX/XX/XXXX ... and XX/XX/XXXX I attempted to call Equifax Credit Bureau . I called to update my addresses and to request the removal of some inquiries that I did n't initiate or authorize ... ..I spoke to a U.S rep who was more than willing to update my addresses and remove my inquiries as soon as she finished updating my addresses and started to delete my inquiries her phone was disconnected. So I called right back and another rep was on the phone. So I explained to him what happened with the other rep that I called in and wanted to get my address updated and request removal of XXXX inquiries. I told him that 's what the other rep was in process of doing before our call was disconnected. He told me that he seen where she updated your address but he ca n't remove my inquiries. I asked why is that sir? He said they have no authorization to remove inquiries that I will need to contact the creditors and get a police report ... ..so I asked for a supervisor and he said the exact same thing. I 've seen where other people have gotten inquiries removed from Equifax without police reports or talking to creditors ... .also ive been hung up on a total of 6 times I explained to the supervisor that I have no contract with these creditors I believe that a lot of these inquiries were a result of the breach that 's going on ... .After that I 've been calling Equifax for 3 days and still no results!!!! A TOLTAL OF 13 HOURS TALIKNG TO Equifax
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (TX)

XXXX XXXX has continued to harass me illegally after I had written and called XXXX XXXX several times explaining I had lost my job. I fell ONE month behind on excess milage charges NOT THE CAR LEASE PAYMENT after losing my job. XXXX XXXX called me numerous times to harass me about being a few weeks late. She is a psychotic, toxic person. I have all of XXXX XXXX’s voicemails saved for my attorney.XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMind you, before and during these calls I had notified XXXX XXXX in writing and via phone call of what was going on.Also, it is illegal for a creditor for call you before XXXX.
Consumer complaint received 2017-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.