davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 've been monitoring my credit report online for years. I check my report everyday. On XXXX/XXXX/XXXX, I receive an email stated a new account has been added to my credit report. I check my account and notice the information that is being reported stated that the account was first reported in XXXX XXXX by XXXX XXXX XXXX XXXX Needless to say, this is my first time seeing this account on my report as perviously stated, I check my account everyday. I called and was transferred to different departments. With no solution. I am requesting this account to be deleted because it was not there a week ago or even in XXXX. How was this account verified to be placed on my credit report? Was it deleted then reinserted? Who verified this account? How was the account verified? Is transunion or XXXX XXXX XXXX able to provide me with an orginal contract that I signed with the orginal creditor? I just feel like my rights were violated. I receive a call last week from a lady claiming to work for this company and asking for my mom and stated she needed to deliver some papers to me and then a week later, I get an email about a new account on my credit report. Is this the legal way to verify a debt? Either way, I never received any notification of it. And its bad practice. Like I said before, I check my account every single day and i know what is on my account and this was not there in XXXX. I need to move and its preventing from renting I have a XXXX mth old baby and i have up until the XXXX to move. And has become an issue at this time.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SS # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DL Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WA)

I misdirected a mortgage payment using my banks bill pay. The mortgage payment instead went to GreatLakes Higher Education, with which I had an account five years ago but which I do n't anymore. I called and asked them to return the money after my mortgage company told me about the missed payment. Great Lakes told me they forwarded the money to XXXX, another student loan company. XXXX denies they received anything. The transfer of money happened XXXX XXXX. Great Lakes continues to refuse to return the misdirected funds. My banks bill pay says this is common and Great Lakes makes " XXXX '' on this sort of thing. I am very concerned about paying my mortgage and other expenses given Great Lakes refusal to return my money.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX company put {$26.00} collection account on my credit report without contacting me, or giving any notice or invoice, 4 months after I closed account and paid it in full. After I closed account in XX/XX/XXXX, for few months I called every month asking what is my final bill is, they could not tell me because they " did not read the meter yet ''! Finally, XX/XX/XXXX I called and they told me I owe {$28.00} outstanding. I paid the {$28.00} immediately. I never received any bills or notices that I have any more outstanding balances. All my mail was duly forwarded. Then all of a sudden XX/XX/XXXX i saw a " collection account '' from XXXX XXXX for {$26.00} on my credit report! For 10 months now I am trying to get it resolved thru Experian Credit Agency. I submitted dispute. After 30 days they informed me that " they verified the account ''. No additional information was provided as to exactly what information was verified and by which documents it was verified. When I tried to dispute their " investigation report '' they said this account was already investigated once and refused to make any further investigation into this dispute.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sherloq Group, Inc (MO)

MACD inc. Is reporting a debt to the credit bureaus that is not mine. It has been previously removed when the debt belonged to a different collection agency, and now they are reporting it to the bureaus through macd since they 're no longer allowed to through the other agency mcb.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

My home loan was sold to SLS in XXXX of 2016. Prior to that, I had been with XXXX Mortgage. Since the transfer of my loan, I have received XXXX letters stating that my insurance coverage was insufficient. The first time that I called in regards to the letter, I was told by SLS that I needed to have enough insurance to cover my existing loan balance. I verified with my insurance company that my insurance amount was enough to cover the replacement cost of the dwelling, which according to Virginia XXXX XXXX is what a mortgage company is allowed to require. After receiving this second letter in XXXX, I again called the company to complain about receiving the letter. I was told that the mortgage company just looks at the insurance amount and the loan balance amount to determine if a letter goes out, and not the assessed value of the property. As someone who works with the elderly and XXXX, receiving this sort of letter would be confusing and threatening and could lead to these consumers purchasing additional insurance that they would not require. When I pointed this out to the representative, he was less than receptive. I feel that SLS needs to stop sending these letters out to consumers using their current metric for determining who receives a letter.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently went on XXXX to obtain my annual free credit report. The reports were provided free of charge with no problem by both XXXX and XXXX however Trans Union some how through their website signed me up for some type of credit monitoring that I was not aware of. They have consequently charged my bank account a total of XXXX for what I thought was supposed to be free. It is the principle here the other XXXX credit agencies did it the right way but Trans Union in some as far as I am concerned fraudulent way made me pay for my credit report. I would like to file an official complaint against Trans Union for their misleading practices!
Consumer complaint received 2016-05-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

Recently my insurance company sent Wells Fargo a check towards the Pay Off of my vehicle. I called Wells Fargo and XXXX ( XXXX ) explained that because the Check was from an Insurance Company it does not " count '' as a Payment and my account is 40 days behind. Despite a Large payment from my Insurance Company and payments of XXXX from me. Additionally the Maturity Date of the Loan is XXXX 2017 and Wells Fargo is demanding the Total Balance of my account a Year Early. 

I asked XXXX ( operator XXXX ) to mail me a copy of this policy and she said that she could not because it was a confidential arrangement between My Insurance Company and Wells Fargo.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on a dispute I submitted a month ago regarding several accounts on my credit report that I believe are inconsistent and/or inaccurate. Despite my initial request, I have not yet received a resolution or an update on the status of my dispute. 

For your reference, I have attached copies of the letters and supporting documentation I provided previously. I kindly request that you re-investigate these accounts with the information provided, as I believe it is crucial to ensure the accuracy of my credit report. I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I 've been trying to contact transunion credit report because I 've been monitoring it. I noticed that a were removed & have been re-inserted. I have n't received any notification or written documentation from transunion to advise me of this. I know according to the fcra this is against the law & I would like it to be corrected.
Consumer complaint received 2017-01-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IL)

When setting up the account I was told I would be able to pay it off in full at {$520.00}. I agreed thinking it was be the {$520.00} split up in payments -- AFTER I AGREED TO EVERYTHING THEN THEY SEND ME MY REPAYMENT SCHEDULE!!!! AFTER! I see they have an interest rate of XXXX %! I did not realize I was going to repay {$1900.00} on a {$350.00} loan. To date I have paid {$700.00} on this account. I did communicate with them via email regarding paying it off in XX/XX/XXXX or so but the math was n't adding up until now. The repayment schedule I did n't really understand, either. I am a single mother who gets no child support and works XXXX hours a week and CAN NOT DO THIS. I feel so stupid for falling for this -- PLEASE HELP ME! I get no government assistance I need help. XXXX is the name. I know they are XXXX XXXX related but on XXXX of XXXX XXXX XXXX XXXX XXXX ruled that the FTC Act " grants the FTC XXXX to regulate arms of XXXX tribes, their employees, and their contractors. '' specifically regarding deceptive payday lenders hiding behind a tribal affiliation. '' I need help into completely closing this account as of now as paid in full. I will gladly accept just close it -- no refunds, my mistake and I 'll take it as a lesson learned. Red Rock Tribal Lending, XXXX XXXX XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

CITI bank advertised that it will reward every customer that opens a checking account with a XXXX deposit before XX/XX/2016 with XXXX dollars. I opened the account on XX/XX/2016. I was supposed to maintain the deposit for 30 days. I never took my money out till today. Today is the start of the fifth month I called and complained to them 3 weeks ago they agreed that the amount should be deposited. They opened an investigation but never did anything about it. As a last resort I am coming to you please resolve the problem and save others from the misery I have been through with them
Consumer complaint received 2016-09-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I have paid my boat loan in full and Santander Consumer and It 's been several months and I have not received the title for my boat, motor, and trailer. I called Santander and they claim that they mailed it, but that is a lie. I have been checking my mailbox daily and I have not received anything. They are asking that I get a lien release or duplicate title at my own expense by going to " XXXX '' which is not even affiliated with them. I tried obtaining the lien release at that website and could not get it done. There is no phone number listed on that webpage so I can speak with someone either.
Consumer complaint received 2016-05-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

XXXX customer service told me my mortgage payments were current and I did not have to pay the XXXX XXXX payment because I had done a loan modification and the loan was current. The payments are {$840.00} each. But they require that the payments be sent by XXXX XXXX because the payments can not be paid online at their site. That 's another {$16.00}. The total payment is $ XXXX/mo. I was current until they said I did n't have to pay the XXXX Payment. I paid the XXXX payment today and went online to check the amount and it says I owe for XXXX and XXXX. I sent the XXXX payment via XXXX XXXX as usual for the XXXX Payment. I called and they said I owe both months {$1700.00}. The customer service people who told me I did n't have to pay I questioned and she put her supervisor on the line too. He said the same thing, the loan was current. That call was on XXXX/XXXX/XXXX. I called yesterday and the customer service rep I spoke too said they should not have told me that and that they had mislead ( lied ) to me and she had notes in the file that they did in fact tell me that and that all their calls are recorded. She said she would get back to me because she wanted her supervisor to review the phone recording and ask me if that was ok. I am praying its not the same supervisor that lied before. I checked today and there is a class action lawsuit filed against this company in Colorado where they are located and multiple other complaints. I am sacred that I might loose my home and have been sick and XXXX XXXX last year. It would be impossible for me to move now. But based on their information my loan is current and has been since the modification last XXXX XXXX. But I think they tried and are still trying to file foreclosure on my home. The last one cost me {$13000.00} on top of my mortgage and I received a new loan modification package from them yesterday. I did not ask for a modification. My loan is current except for their trickery about the XXXX XXXX payment. I 'm worried since my credit is bad because of my illness last year and to refinance would be difficult for me because I 'm self employed. And when I requested a payoff statement from them or even payment coupons they would not give them to me. The loan officer I went too said to get another loan I had to have a payoff statement. They will not give me one. I 'm trapped and they are going to steal my home. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-12-06
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (MA)

I had opened up a prepaid Serve Amex to use for emergencies. I put {$200.00} dollars on when I opened and was just about to add more money when I saw that they had been charging me an almost {$6.00} fee every month. This was not disclosed when I opened the account. I am going to complain to them about itto them, but am pretty sure that they will not refund the fees. I was under the impression that this was like an Amex Gift Card that is not allowed to charge monthly fees. 

So, basically I opened this account so if I was in need in the future I would have at least {$200.00} for an emergency. 

Now after 4 months of fees, my balance is {$170.00}. 

By the time I needed it, I would have nothing. 

This is predatory. It was advertised to help someone build credit, but really they just want fees.
Consumer complaint received 2016-12-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I refinanced my car from the XXXX to Chase Auto in XXXX of 2016. I filled out all the documentation Chase requested and shipped off all the documents, around XXXX XXXX 2016 the car note appeared on my Chase account and I have been paying it there ever since. In XXXX, I received an Odometer statement that I put in an envelope and sent back to Chase. On XXXX XXXX, I was in a car accident and my car was deemed a total loss, I was in contact with both XXXX and Chase and while XXXX has been extremely helpful, Chase has not. XXXX provided me a settlement amount on XXXX XXXX and provided me a rental car for 10 days ( while they wait for some documentation from Chase ). It is XXXX/XXXX/2016, I am still waiting for Chase Auto to release my Title to XXXX so that the car can be paid off. I have been in contact with Chase constantly through this time trying to figure out what I can do to speed up the process and have not gotten anywhere. 
On my first contact they said the issue was my odometer statement never being received ( I faxed the document to them same day and nothing came of it ) on the second contact I was informed that Chase was waiting on the DMV to " perfect '' the title and to call back in a few days. When I called back I spoke with yet ANOTHER person who said that Chase never received a lien release from the Credit Union and I need to talk to the Credit Union and acquire this document as they can not get the Title without it. This went on and on, getting different information from each person I would get into contact with at Chase. 
I went to the Credit Union and they advised me that both the title and lien release were sent to Chase as soon as the refinance went through ( back in XXXX ). They provided me with another lien release and Chase informed me that I would need to take the document to the DMV ( JUST the lien release ) and they would update the Title. At this point my husband ran a VIN number check and saw that the Title was already in Chase 's name. He took this information to a Chase Branch and spoke with a banker who informed him that the refinance had never actually closed ( even though Chase added the balance to my account and I have been paying them all this time!! ) The refinance is open. Since XXXX 2016! They entered an escalation and stated that I should hear back within 3 days ( that was about XXXX ). 
I would like this matter to be resolved as soon as possible. I think someone at Chase dropped the ball during the refinance and I am having to pay for it. It 's getting to be more and more difficult getting to work without a vehicle, and taking an uber everywhere is getting expensive. I do n't think I can buy another vehicle with this one still on my account ( might increase DTI ), also I do n't want to risk having 2 car payments. XXXX is waiting on the Title in order to pay off the vehicle and it appears that Chase is unwilling to provide the document.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (IA)

I opened a new Skymiles American Express card a few months ago pursuant to a promotional offer. The offer stated that I would be awarded XXXX bonus miles and a {$50.00} statement credit after my first Delta flight purchase. Nowhere in the offer did it state that I would not be eligible for the promotion if I had a Skymiles American Express card in the past. I held a Skymiles American Express card that I canceled about two years ago. 

After spending about {$2000.00} on my American Express card, I called American Express because I was not awarded the bonus miles. The representative first claimed that the statement, that previous card holders are not eligible for the promotion, was in the acceptance letter sent by American Express. When I told her it needs to be in the offer because after I applied and accepted to the offer, I had already put in the time to apply for the card, and taken a hit to my credit. The representative then claimed that this information was in in the offer itself. The representative would not offer any sort of compensation. 

I am certain this information was not in the offer. Delta and/or American Express send multiple offers per year, and none of these offers contained the limitation that, in order to be eligible for the promotion, you can not have previously had a Skymiles American Express card.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK COMPLAINT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX My father in law is doing a refinance with TD BANK. He was dealing with a XXXX XXXX, and his Loan Officer Assistant XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX. 
UNETHICALLY and in violation of RESPA Documents were sent to my father in law, by email from a XXXX XXXX, a XXXX and other items which are filled out incorrectly. 
My father in law paid for an appraisal already which is wrong because he never signed documents in reference to this refinance. 
The XXXX shows the loan as a primary residence which is wrong because it 's an investment property, and its showing my father in law, cash to close of {$2800.00}. The loan amount is wrong and is deceiving to show a LOWER loan amount of {$180000.00} even. 
Page XXXX of the XXXX, the DECLARATIONS section XXXX is filled out incorrectly. 
The loan amount is wrong and shows a much lower amount which is deceiving. 
Documents were sent by email BY XXXX XXXX and loan officer assistant to XXXX XXXX. The email enclosed by PDF documents to sign, which included a XXXX. 
This is wrong and is out of compliance per RESPA. 
My father in law paid for an appraisal before ever E-SIGNING or receiving document 's for the refinance. 
I have attempted to call XXXX and speak with a manager but no one is calling me or my father in law back. XXXX XXXX has not been able to be reached by phone. I have spoken with a XXXX XXXX who has been rude with me as well, and has prevented me from speaking with a manager also. 
It seems to me everyone within this location is protecting each other and no one wants to take responsibility for this UNETHICAL behavior.