davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Grande Financial, Inc (OH)

XX/XX/2015This home purchase started in XXXX 2015. The Broker is Grande Financial. The first company that was used was XXXX XXXX XXXX , XXXX ( Never received a denial letter at all ) Application date XX/XX/2015- NO GOOD FAITH OR BOOKLET GIVEN OR MAILED. At that time paid {$440.00} for the appraisal The file was switched to FHA with XXXX XXXX XXXX , XXXX . This is when he had to pay additional {$200.00} for an FHA Appraisal. The lender was concerned because of the Identity of Interest. Once it was verified that the file was not Identity of Interest, the clients were told in an email, that the underwriter does n't the fact that family is selling to family, so therefore they need to put down XXXX % - Never received a denial letter or any paperwork showing the switch to FHA ( no good faith or Truth in lending ) On XXXX XXXX, 2015 they received new paperwork for a FHA Mortgage, through XXXX XXXX XXXX XXXX No Good Faith or Booklet was given. 
Then XXXX XXXX the email states that the underwriter did n't like the relationship, so therefore they have canceled the FHA case number and said that since the previous underwriter put notes into the FHA connection, no FHA mortgage can be done now-Still no denial letter. 
On XXXX XXXX, 2015, they received a Good Faith only, not sure why. 
On XXXX XXXX, 2015 the file was switched again to a Conventional mortgage-No Good Faith, Truth in lending or Booklet was given. When we started this process our credit scores were : XXXX and XXXX. XXXX 's scores XXXX,XXXX and XXXX. Now they are below XXXX. 
Even after receiving several copies of the appraisal, the seller was asked to put in writing that the home was not a depressed property, and verify that the Bank has not taken the house. The XXXX has also asked for a copy of the seller 's credit report. The seller has moved out of town for a new job and can not sell her home in XXXX because the Brokers and Lenders are not trying to close this deal. The sellers have been staying in a Hotel paying {$100.00} a day waiting for the closing. 
I am including several emails that the Brooker has sent to the client as well as their seller.
Consumer complaint received 2016-02-04
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

When I applied for this refinancing loan I was assured that there would be no additional fees but later notified that upon closing there will be {$110.00} fees for attorney 's review of our Trust Agreement which had been already reviewed when we initially had applied for that home equity loan
Consumer complaint received 2015-09-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I attempted to open up a checking account online with Citizens Bank. Through their account enrollment site, I initiated a transfer from my savings account ( from an external bank XXXX to fund the Citizens Bank account. After pending for two days, the funds were denied. 
I immediately contacted the external bank inquiring why the funds were not released to Citizens Bank. The external bank indicated there was no record of a transfer. The external bank representative indicated that Citizens Bank likely coded the transfer incorrectly as a XXXX account instead of a savings account. This was the most likely scenario since the routing and account number was confirmed accurate. 
I presented this information to Citizens Bank. I spoke with XXXX different customer service representatives who all indicated the Bank was not responsible for the failed transfer and further demanded payment of a fee imposed due to the failed transfer. 
Citizens Bank terminated my account and access to their online banking portal.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

Santander USA refused to accept my payments for the months of XXXX, XXXX, XXXX and XXXX then in XXXX they wrongfully repoed my car and i also asked them over the phone if i can give them XXXX $ they said it has to be XXXX $ or more which i found out they cant do that. then i got a letter saying they wont speak to me over the phone at all. i tried going online to see if i can make a payment and it says my username and password is wrong when it wasnt. this company is playing games
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I would like to have my credit report updated because the listed judgements, which were filed by XXXX in XX/XX/XXXX with a case number XXXX and XXXX filed in XX/XX/XXXX with case number XXXX, were settled and paid in full by my lawyer in XX/XX/XXXX. I have attachments that reflect that these items were paid and closed as part of my settlement. I am in the process of applying for a mortgage and the items do not reflect correctly on my credit report, and this is preventing me from moving forward with my credit application. Thank you.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

I have close to XXXX worth on XXXX  in this company. I filed over XXXX tickets and this company keeps closing them without getting through to the resolution. They paused my account and initiated account closure with me, and when I login, it tells me to transfer my balance out to another wallet, that Coinbase is initiating an account closure with me. When I go to do this ( transfer funds to another wallet ), they say my account does not have the privilege to transfer funds. This is completely hypocritical directions that demands you to transfer your funds out and close account but doesn't give you the permission to. This is clearly a scam to keep funds away from people.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I 've sent Equifax XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Equifax takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Within the past 3 years SPS Servicing has been servicing my home loan. My original lender was XXXX XXXX. I have been trying for 3 years to modify my mortgage, butTime after time I am met with a request for further details and paperwork. I do not want to lose my home but I am not able to fight SPS Servicing alone. They have also refused to issue me any information regarding who actually holds my mortgage note while threatening foreclosure via mail and with notices left on my door. 

I have been working XXXX jobs in order to pay my mortgage, but they will not issue a modification so that I can afford to stay in my home. 
Please help me figure out how to save my home.
Consumer complaint received 2015-07-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co. (KY)

XX/XX/XXXX my husband and I started working with Crefco financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. XXXX XXXX was our loan officer and originally pre approved us for a Usda loan ... We signed our agreement with the realtor and home owner in XX/XX/XXXX paid for and had appraisal done in XX/XX/XXXX and was told repeatedly we were closing soon ... By XX/XX/XXXX we were told we did n't qualify for Usda loan but we could get Fha loan and close it by XXXX so we started Fha loan and once again had to pay for new appraisal for Fha loan ... This does n't include all the the times we had to update purchase agreement and tons of other paperwork. By XX/XX/XXXX the home owner ( understandably ) was ready to walk so we had to fire Crefco and go with another lender who closed on our home in thirty days ... But no thanks to Crefco because they refused to release the Fha loan number to our new lender which held us up even longer. My main reason for reporting this company is I do n't want anyone else have to go thru the mess and disappointment that my family went thru. They took my dream and absolutely turned it into a nightmare. If you need to contact me please send me an email to ... XXXXXXXXXXXX ... Thank you
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following information is reporting on my credit report when the responsibility of this debt has shifted due to my divorce, which is Missouri Case Number XXXX. 
XXXX XXXX Account ( open date XXXX/XXXX/XXXX ) and XXXX XXXX ( open date XXXX/XXXX/XXXX ) are accounts that need to be placed on my ex wife 's credit report, not mine. 
XXXX XXXX Debt ( open date XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ), and XXXX XXXX XXXX ( open date XXXX/XXXX/XXXX ) are collections that responsibility has shifted due to my divorce.
Consumer complaint received 2024-10-10
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. (FL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (AZ)

Experian.com continued to bill credit card for 3 months after account was cancelled the second day after trial period and the account not accessed or used by the consumer at all during any of the time billed. Experian.com is utilizing deceptive practices to continue to bill consumers XXXX for its credit monitoring services and not cancelling the service upon request.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I filed a complaint with CFPB in XXXX. The issue was resolved to reflect that the account was paid in full with a XXXX balance per XXXX response to CFPB. I got a alert stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX
Consumer complaint received 2016-03-23
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (FL)

XXXX, XXXX ; Application submitted to PNC Bank for a {$200000.00} Home Equity Line of Credit. Bank instructed that should there be any doubt as to approval that the application should be withdrawn and be reported simply as an Inquiry to any Credit Reporting Agency. PNC agreed to those terms. 

PNC requested 2 years of income tax returns. I submitted the latest 2 returns that had been filed with the IRS ( XXXX & XXXX ). The year XXXX had not, as yet, been filed but was available as soon as it would be filed ( in XXXX, XXXX ). 

Against our agreement, PNC declined my application ( see attached PNC letter of XXXX/XXXX/XXXX ). I immediately responded by my attached letter of XXXX/XXXX/XXXX, which is self-explanatory. 

After 6 months of telephone calls and written correspondence that failed to be responsive to my letter, I received a telephone call from a Retail Escalation Manager to advise me that PNC 's report to Credit Reporting Agencies could not be changed to reflect a simply Inquiry and that the file was Closed for re-consideration and could not be re-opened because too much time had elapsed. 

My Credit Rating of XXXX, and the fact that the amount of elapsed time was due to PNC 's failure to respond timely to my letter of XXXX/XXXX/XXXX did not sway the Retail Escalation Manager. For the record, please note that my XXXX/XXXX/XXXX letter clearly alerted PNC of " Time being of the essence '' in my demand for their response. 

PNC 's inflexible posture is unconscionable and not in good faith. Their suggestion that I submit a new application is not acceptable to me because of the way that PNC botched their dealing with me.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK (OH)

I became past due on my Discover Credit Card last year. In an effort to remedy the situation I agreed to allow Discover to automatically debit my checking account in the amount of {$140.00} for 6 months. In exchange for allowing this to take place, Discover agreed to credit the monthly interest and late fees for the 6 month period, place a one time credit on my account of {$700.00} at the end of the 6 month period, and to " re-age '' my account with the credit bureau so that the previously reported delinquent payment would be removed. This arrangement started on XXXX XXXX, 2015. After making the 6 on-time payments, Discover has informed me that they do n't have notes showing me the {$700.00} payment promise. However, they do have notes on my account that reflect the promise to re-age my account, but they refuse to do so with the XXXX major credit bureaus. After requesting that the recorded call from XXXX 2015 be located, I was informed that they were unable to do that. However, they would likely be able to get the call if required by the legal process. 

I 'm writing this complaint because it 's really disappointing that a financial company promises to do something, the consumer attempts to correct a wrong, and then the financial company does n't uphold their end of the bargain. I feel as if Discover took advantage of my willingness to pay and made promises they never intended to keep.
Consumer complaint received 2015-09-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I had my attorney I hired write letters to Citibank to make them aware that they are completely violating the FDRA. XXXX immediately complied. The date of last activity is XX/XX/XXXX and report ( XXXX ) 90 day lates after that. They also falsely accused me of paying {$40000.00} a few years ago which is completely false as the last installment on my account was XX/XX/XXXX. This is completely hindering my ability to refinance my property. SEE ATTACHED DOCS
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

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 2016-03-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon opening a joint Capital One Account for my XXXX year old son in XXXX, I opted out of Overdraft Protection by signing the appropriate paperwork. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. And at no time did my son and I ever opt in for overdraft protection. At this point it is about {$1500.00} worth. They said that we " opted in '' in XX/XX/XXXX, but have been unable to prove that point. Even if we had opted in in XX/XX/XXXX, the original wrongly charged overdrafts if they had n't been taken out of the account, there would be enough money to cover debits and therefore NO overdraft charges should be assessed in XX/XX/XXXX. I called Capital One Banking on XXXX XXXX XXXX and they reversed XXXX fees and said they would research the rest and get back to me. After five unreturned phone calls and over three hours waiting on hold and countless messages left, on XXXX XXXX, XXXX I visited Capital One on XXXX XXXX in XXXX and met with XXXX XXXX, Bank XXXX. He promised me resolution in a week. As of today there is no resolution and he is still " gathering '' documents. He also told me that it was my responsibility to check my bank statement and if something was wrong to bring it to the bank 's attention in a more timely manner. He indicated Capital One could n't be liable for something that I had n't noticed sooner.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I pursued the purchase of a motorcycle and applied for credit. Inquiries were made to XXXX XXXX of XXXX GA. When I considered the interest rate of the loan, it was too much.The loan was to be issued through Capital One. I notified the motorcycle dealer that I did not want the loan. They had already initiated the money transfer without my signature. Later when I found out they they had done this, I notified them that I would not be purchasing the motorcycle from them. Capital One transferred the funds to the motorcycle dealership without any signature from me. The motorcycle company cancelled the sale and kept the money ( {$7000.00} ). I have requested the money be transferred back to the financial institution. It has still not been refunded. I filed a dispute with Capital One in the fact that I never authorized the loan with my signature. The complaint was filed as a fraud complaint. I believe it was fraud because the motorcycle dealer never notified me that they would be transferring the money. Also, when I notified the motorcycle shop that the loan was too high and that I would be shopping for another loan, the dealer had the chance to tell me the funds had been transferred and held that information. All of these details were provided to Capital One and they decided no fraud was involved. I am not surprised that they would decide that because, I believe what the motorcycle shop did was akin to theft and I am sure Capital One does not want to acknowledge any association with criminal activities. A couple of key facts : I never stepped foot into the motorcycle store, all correspondence was through email. I never signed any document. I filed a fraud claim with Capitol One, the money source, and they disapproved the claim. I do not have the motorcycle and Capitol One has sent me a letter saying I owe them {$7000.00}.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

For my personal information, they have XXXX listed as my spouse. I do not have any credit with XXXX nor any outstanding accounts or closed accounts listed on my report is joint with XXXX as a signer or with my credit history. I did not give Experian Credit Bureau permission to add XXXX to my report. None of my accounts have XXXX name on them. Please remove him from my report. They can not provide anything with my signature on it that states he should be a part of my report. PLEASE REMOVE XXXX FROM MY REPORT. I DID NOT GIVE EXPERIAN PERMISSION TO ADD HIM SO NO DOCUMENTATION ON MY PART SHOULD BE NEEDED TO REMOVE HIM. This is improperand potentially XXXX EXPERIAN to add someone to my credit report without my explicit permission, especially if we do not share any joint credit accounts.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX I used Citizens Bank mobile deposit to deposit a {$4700.00} check in to my account. Thh system stated that the funds would incur a hold unitl XX/XX/XXXX. As of XX/XX/XXXX, {$4400.00} is still on hold and the bank will not provide a date when the funds will be available or return the money. The check which I deposited has been cashed by Citizens. According to the Citizens Personal Deposit Account Agreement : " We will notify you of your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. '' They have done neither of these.
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NJ)

I was in XXXX ( for something that happened during an acknowledged XXXX ) and my son was taken to the doctors months into my XXXX. When I left he had insurance and everything for him was up to date. I get out 2 years after the hospital trip and I have an account in collections while piecing my life together.
Consumer complaint received 2015-09-20
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

On XXXX/XXXX/2015 I received notification from the XXXX credit reporting agencies that my credit has been pulled from cash central. I have never done business with this company. I did not apply nor authorize a credit check from cash central. I called the company and let them know. I asked for the inquiry to immediately be removed from my report. They refused. They stated I must fill out a packet and send back in further delaying the profess of removing the mark from my credit report. In researching this, I have found numerous other complaints on the XXXX that state exactly what happened to me. Seems this company does this often. I want this inquiry removed immediately from my credit report and steps put in place by this so called company that ensures it does n't happen to me or anyone else again