davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (VT)

We have had business and personal accounts with a particular bank for decades ( combined ), with the local branch having played an important role to helping our business get started. My husband and I are sole owners, which is evidenced on all the signature cards. We live in a rural area and there is no mail delivery on our road, so have a XXXX XXXX When the bank mailed several of our business credit cards to the street address vs. the mailing address ( again ), they of course never arrived. With 3 days to spare before the cards expired, we made arrangements for replacement cards to be sent to the local branch for physical pickup so we could activate and get into employee hands before the old cards expired. The only employee left who would have known our history was out for the afternoon, so the inexperienced bank employee would NOT release them to us, would only release to the employee who were nowhere around due to the nature of our business. No matter what we did to explain that we own the business credit card account, not the employee, and that the employee ca n't activate the card without our personal info, nor would they agree to call their internal card services dept to verify we asked the cards to be overnighted to the branch and why, they simply refused to give us the cards we requested. I then asked them to mail the cards to our business mailing address ( XXXX ), they did, but instead of going to the XXXX to mail, they put them in their internal courier system and I did n't receive for 15 days, well beyond when several cards had expired for my employees. In my utter frustration since this was n't the only business account that we 'd had major service issues with, we began to move accounts to another bank, including the direct deposit accounts for Health Savings Accounts for XXXX of our employees. We completed the information to do a bank to bank transfer of the HSA funds to ensure the proper coding, submitted the forms to the bank on XX/XX/2017, and re-submitted 2 other times since, in spite of fax transmission records to prove otherwise, they claimed they never got them. The XXXX HSA accounts were never closed until XX/XX/2017, while the bank continued to asses {$4.00} per month service charges to each account. Then, the checks got lost in the mail again ( hmmm ) and were n't received by the new bank until XX/XX/2017 for credit to the new accounts. The obvious other piece is that my employees had no access to those funds to pay their medical bills for all of that time, and XXXX of them received late charges from medical bill collectors for non-payment, all due to this bank taking this extraordinarily long time, from XX/XX/2017 till XX/XX/2017 to get funds transferred. This is very, very, very poor service, very poor practice to assess fees and refuse to reverse them by taking any responsibility for their own internal practices.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, Costco switched from accepting XXXX to Citi Costco card. Someone received my cards ( join accounts ) and used it to the max of my credit line - XXXX in one month ( XX/XX/XXXX ). I did not find out until XX/XX/XXXX when I received the statement. I called in and talked to the customer service specialist regarding the fraudulent charges and identity theft because someone called in and activated my cards as well as used I it. In the last seven months, I have been talking to several people of the two departments - Fraudulent ( XXXX, XXXX, XXXX - XXXX ), and Security Investigation Services ( XXXX, XXXX, XXXX, and XXXX - XXXX ). Every one of them told me the same thing that they will investigate and put the memo on my account to make sure that the collection department wo n't call me again unless they need my assistance with the investigation. But it was not true, every day I receive a call from collection department ( XXXX ), most of the time I ca n't a answer the calls because I am at work. Whenever, I can answer their calls and asked them if there is any note regarding the on-going investigation of the fraudulent charges on my account but they said that there is no memo on my account at all. Except the last time, on XX/XX/XXXX, I talked to XXXX ( security dept. ) and XXXX ( fraudulent ), and on XX/XX/XXXX I received the letter from Citi bank informed me that they investigate my case and need the police report if I have one. 
The bad things about this issue are in seven months the bank does not do anything after I told them about the identity theft and fraudulent charges on my accounts, only one thing they is doing that is calling me to ask for the payment which I have not spent. The worst thing is they report to the credit bureau about the delinquencies of the payment ; this caused my credit score drop from XXXX to XXXX. Because of this low score, I I ca n't apply for XXXX credit as well as refinance my house for the low interest rate.
Consumer complaint received 2017-02-15
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BTH Management (TX)

I did received a payday loan from them and I stop paying because of loss of employment, I called and notified XXXX but I do n't think I owe {$570.00} when I was paying on the loan when I connected them I was told it has been placed in collection and to call Plaza Services, I just was verification I owe {$570.00}.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I bought a computer from XXXX XXXX but started having problems with them around XX/XX/2015 when XXXX contacted me. I did not know who XXXX was so I called XXXX instead. they stated that they were unable to process my XXXX card. After calling XXXX and XXXX back I was told to now give XXXX the number on the front of the card and NOT the banking and routing number as they previously asked. then everything was fine and they gave me back all late charges they had charged me. They NEVER called me, emailed me or mailed me anything. when I asked them why, they responded that they do not do that?! then a few months later XXXX called me again to say that it was still an issue. I called XXXX, spoke with a supervisor and all was fixed. ALL LATE FEES were given back to me and they were very apologetic. then I found out that they reported these late fees to credit reports. when I called bestbuy again, they agreed they were at fault, apologized again and said that they would fix this with the credit reporting, which they never did. I filed a compliant with Experian but still nothing has happened, Experian says that according to bestbuy I had a late payment in XX/XX/2015. I have a statement from XXXX XXXX showing ( XX/XX/2015 ) that the late fee from XX/XX/2015 was returned to me. I also have a complete list of all charges, fees, etc and none are late fees. I never had a late payment with bestbuy and all of the late charged were returned to me. I have proof of this and will forward it to you as I did with Experian. After I paid XXXX off, they will not speak to me.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (FL)

I established a vehicle loan with Chase Auto Finance in XX/XX/XXXX and started to pay on XX/XX/XXXX. I did my regular payments at is showed in the attachments. On XX/XX/XXXX ( 2 years later ) I have to file a Bankruptcy and I did and was discharge for the Bankruptcy Court of XXXX FL on XX/XX/XXXX. At that time my payments of the car loan were showed in my credit report. I spoke with the Bank representatives and told them that I was going to continue payment my car loan because I want keep my car. They accept the payments all months, only 2 - 3 late payments l payments. But I did a big effort and finish to pay the car in XX/XX/XXXX two months before of the established day. The Bank sent me a letter where they consent the title were give to me because the link of the Bank was satisfied. Now I want to buy another car but I found that the Bank did not report all my 48 payments to the credit bureau and the reason they give to me is that I did not sent a form to the Bank telling them that I was continue with my obligation to pay the car to them. Probably I did not fill the form but I continued paying the car and the continued receiving the money and giving me the receipt or my approve by phone. The say they do n't have the obligation to report. My question is : Why nobody talk me nothing about the form? Why they continued receiving the payment if they were going to push me in a tramp? They also remove from my credit report the 24 payments that I was made at the time I filled the bankruptcy, there looks like I have never buy a car. I want you help me to reach the goal of see this account showed in my credit report. I am sending you the letters I received from the Bank authorizing the title company to made the title of the car in my name, the report where the bank show the amount and day of every payment for 48 months with of very few differences, some of he receipts gave to me when I paid directly in the Bank, the receipts sent for them by mail. It is good to say that I have to meet the procedure gave to me for the Bank which I have to call every month to the department of Bankruptcy and explain them I wanted did a payment to my car loan. And every month for 24 months after bankruptcy I did. Please help me! Thanks
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHERRY TECHNOLOGIES INC. (CA)

Early to mid XXXX, I received a procedure that was substandard and despite several attempts to get this repaired, the company was not able to. 

At this point in XXXX, we were going back and forth regarding a full refund to the account which the merchant did not approve. 

After several attempts, in XXXX they authorized a full refund and a deletion on my credit report. 

In XX/XX/year>, XXXX and XXXX properly deleted my account but XXXX has yet to do so which is causing dilemmas with my ability to receive a loan. 

The merchant is XXXX XXXX and Cherry Technologies is the financing company for the merchant. Cherry technologies is whom is reporting the debt.
Consumer complaint received 2017-02-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I deposited a cashiers check on XXXX XXXX, 2017. The bank teller told me the check will clear in 24 hours and the funds will show as available. My account showed the funds available the next day. I went ahead with my transactions based on that. I get a letter more than a week later ( mailed out XXXX XXXX, 2017 ) that the check is fraudulent and the funds have been withdrawn from my account and I have been charged an additional {$12.00} fee. When I called the bank they just said they cant do anything about it and " too bad ''.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I am filing this Complaint against Equifax. Equifax is listing unverified information on my credit report. Equifax is also listing information on my credit reported that was deleted. Equifax has also ignored my requests and failed to provide me with the documents or copies of the documents that they used to verify the accounts I disputed. Equifax has committed multiple violations of the Fair Credit Reporting Act. It has gone past the 30 Day mark given, by the Fair Credit Reporting Act. These unverified accounts are supposed to automatically be removed.
Consumer complaint received 2016-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Dream Center Education Holdings (CA)

My loan was distributed from the XXXX to my university, Argosy University XXXX, and applied to my account on XXXX XXXX, 2016, which I have screen shots of on my computer to verify. However, Argosy University refused to release my funds to me, including an XXXX dollar XXXX loan to pay for my living expenses and a XXXX dollar scholarship. Argosy released my funds on XXXX XXXX, 2016, but not to me directly, and when I asked the financial aid advisor, XXXX XXXX, where my funds were, he informed me that he did not know, to which I have him on a voice recording saying such. When I asked XXXX if Argosy still had my funds, he said, " Yes, we still have them, they 're here, '' to which I also have him on record stating. I asked XXXX to release the funds and scholarship to me, to which he replied that Argosy could not do so, and that they had to be released through XXXX, and that I would have to contact them for setting up Direct Deposit and accessing my loans. When I asked XXXX for the contact information of XXXX, he gave me a false phone number that directed me to time share, vacation home, and credit card offers.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I spoke with TransUnion and my report updates from XXXX never took place or uploaded to TransUnion system. There is massive fraud in regards to my personal and professional information being reported by TransUnion. Name Alias, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XXXX I spent close to XXXX minutes reviewing the fraud and TransUnion was helpful to have me know that I will have a report shipped to my address. It looks like all XXXX credit agencies are not correlating information timely or have been able to do so due to this fraud. XXXX was supposed to clarify these matters with TransUnion, and the matter got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate information.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CHERRY CREEK MORTGAGE COMPANY INC. (CO)

Cherry Creek Mortgage in XXXX Colorado assured me after submitting at least XXXX pages of documents to refinance my existing loan that they would have a fast approval. The process started in XXXX of 2016 and had a lock rate of 3.5 %. My constant communication with them and their lack of response to my questions on status finally came to a close in XXXX after spending hours and hours of getting them everything they needed with their assurance it would be approved. In the mean time I had various requests from other lenders to refinance. Cherry Creek dragged me along after pulling credit and doing their due diligence one day just notified me, by email, out of the blue the loan would not close. No explanation, apology, or any reason after 4 months. I lost the opportunity to go with someone else at the same rate as the rates had jumped and now made no sense to refinance loan. I was astonished and very hurt that a company would make me jump through hoops and be so rude and abrupt. They ruined my chance of having lower payments. Is there not a moral and ethical obligation? I feel like all my information was transmitted to them and I abided by EVERYTHING they requested. Lost opportunity by me and caused by them. What recourse does a consumer have for this pathetic company other than warning all other Colorado residents? Thank You for looking into this quickly!
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has been escrowing my account for Texas Wind and Strom Insurance ... where I had no Texas Wind and Storm Insurance since XX/XX/2017..I was told my insurance company ... so Wells Fargo not only XXXX me for the money they collected for taxes ... where I told them and sent documentations that you can't charge me for taxes..I 'm XXXX percent XXXX XXXX XXXX Veteran ... no they took it upon themselves to escrow the Texas Storm and Wind insurance where there was nothing there to escrow ... it's called embezzeling..and fraud ...

I've called them..and this people play stupid ... I'm tired of it..dealing with idiots ...

I paid for my Texas Wind and Storm Insurance where they can't take it out in escrow ... at the tune of {$1700.00} dollars ... My insurance company is XXXX ask for XXXX she is in charge of that insurance ...
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: KEYCORP (NY)

Hello In XX/XX/XXXX I lost my XXXX ins, I called key bank and explain, I fell behind by a month in a half. However I have paid since every month XXXX. I have asked if they could remove the late fees XXXX I was told by key bank to pay XXXX and then XXXX every month after. However every month they charged late fees and continue to make the min balance unaffordable for me to pay, when I called they said the agent made a mistake telling me that then called and was told to filled out a loss mitigation form, the first one they sent was for a mortgage. I called back then they sent a letter and asked me for documents from bank statements to my help with social services tax returns, etc I was told I had to XX/XX/XXXX. I faxed every thing on XX/XX/XXXX. I then called Key credit card and was told they received everything except my rent receipt. I mention to them I do not rent and I sent my mortgage statement from XXXX. The rep said she will email them and let them know I was not missing anything. On XX/XX/XXXX I received a letter from Key stating that because they did not receive required documents so they will not consider my request, I then called and spoke to XXXX, i was upset and informed him that I did n't understand why they said they did not all documents when I have a confirm fax which was faxed from Key bank and all conversations are recorded and I was told by the rep that indeed everything was sent in time, Then XXXX said to resubmit information and was very cross with me. I then once again faxed everything XX/XX/XXXX I have the confirmation as it was faxed from key bank. I spent 4 hours on XX/XX/XXXX with Key bank and finally spoke to a supervisor XXXX, who then said I was missing a rent receipt once again I had to explain I sent in my Mortgage statement. Then she told me well we have no program. I asked then why did Key say they would try to help me and have me fax over all my personal information. I have other credit cards and each and every card worked with me in a hardship by waving the late fees. I have paid Key Bank every month XXXX.however they continue to add XXXX every month and double the min payments. it is disgraceful as I continue to have serious health problems and am not able to work, yet I am still trying to be responsible with the help of my children. Quite frankly it feel like extortion.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

Please see attached documentation that I received from XXXX today stating that my loans were in general forberance during the specified time periods. Therefore, the loans should not have been reported as delinquent on my credit report. I feel as though all of my loans that are with account number XXXX should be corrected to reflect the attached letter. I spoken with XXXX multiple times and they declined to fixed their reporting. I do n't think it 's right that my credit report is affected negatively due to this inaccuracies. The letter from XXXX clearly states the dates of my forbearance. This has caused me to suffer significantly in regards to credit approvals, which includes, but not limited to higher than normal interest rates, required deposits, and denials. 

Furthermore, attached is an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' I have tried to dispute this multiple times throughout the years with no.resolution. I would like for the CFPB to present my position along with the documentation provided to all ( XXXX ) major credit reporting agencies so that they can take the appropriate action in fixing my credit report. As reflected on my credit report attached all loans have since been paid and I do not owe XXXX for the accounts in question. How is it possible that my loans can reflect in deferment per the XXXX attached letter, but appear delinquent on your credit report? This is a major conflicting discrepancy that I wish to get resloved because essentially I believe that my credit report should match the statement provided from XXXX. I desperately seek some form of relief. 

Thank You FTC advisory opinion : https : XXXX I have also attached my credit report that will reflect the late payments on XXXX, XXXX, and Equifax.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed an inaccurate item on my TransUnion credit report and requested that they do an investigation on the account. A few weeks later, I was informed by Transunion that the account was verified as correct so I contacted the alleged creditor ( XXXX ) myself. I spoke with a representative at XXXX and was told that I was no longer responsible for the debt, which was discharged via XXXX filing. I immediately contacted Transunion and requested the name of the representative at XXXX that they contacted and any documentation that XXXX provided to verify that I owed them a debt. TransUnion sent me a letter in response claiming that their investigation on the issue was complete while failing to provide any proof that they conducted any investigation at all! I have contacted TransUnion on many occasions by telephone asking what method is being used to continually verify this inaccurate information. Several representatives from TransUnion have told me that the way they conduct an investigation is by way of an electronic code sent to the alleged creditor, which is most likely the XXXX method. This is absurd.