davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, I keep receiving emails saying my disputes have been updated view current report, when I view current report or disputes nothing has been corrected everything has remained the same. These disputed accounts need to be taken care of and coded properly, as all information has been received and documented but yet the creditors are not correcting anything. It is affecting and impacting the ability to maintain what happened to my home since this has drastically dropped my score from the XXXX 's to the low XXXX and XXXX range. This should not be happening if they were coded correctly and should not say potentially negative and charged off. A hurricane is out of my control, and I have no control over what happened. but these creditors are demolishing me when they have the facts in front of them as well as the Agencies.
Consumer complaint received 2017-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I previously submitted a complaint with the CFPB. I learned today from XXXX, through your office, my complaint was denied. She read me the letter from the bank 's representative, XXXX XXXX. I have talked with XXXX XXXX since my complaint was filed at least twice and he never mentioned the reasons for their denial. I am outraged and appalled. Never had the bank or any of its representatives mentioned to me that my loan was submitted through the Community Reinvestment Act ( CRA ). My loan, I learned today, was approved through XXXX as my income was " too high '' to qualify for the CRA. As a result, the {$2500.00} credit that was continuously stated on the bank loan documents is not being refunded. My closing costs were almost doubled to {$11000.00} due to the CRA denial ( $ XXXX {$2500.00} = {$6100.00} ). Not only that, but during my conversation s with XXXX XXXX, I pointed out the bank delayed the closing of the mortgage loan with continuous requests for multiple XXXX 's bank statements, pay-stubs from my wife, two P & S extensions from the sellers, which caused substantial extra costs for rental and condominium fees. I was fortunate this did not cause the sale to collapse. I 'm attaching previous documents submitted as well as additional information. I expect the bank to refund these additional fees and expenses which has resulted in substantial costs to close the loan in XXXX 2016. Not only that, they ignored my initial requests last year, on multiple occasions, which I also mentioned to XXXX XXXX. All his seeming assurances to me were apparently just a time stall tactic. I hope that this new complaint is speedily resolved to my satisfaction.
Consumer complaint received 2017-06-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation (MD)

I started a personal loan with Avant on  XXXX / XXXX / XXXX  with Monthly payments of {$500.00}. On  XXXX / XXXX / XXXX  I contact avant and let them know I have had a loss in income and large amounts of medical bills and I was given a payment plan to reduce my monthly payment to {$370.00}. I was informed that there was a grace period of 10 days with meant my payments are due on the  XXXX  of each month. On  XXXX / XXXX / XXXX  I made an online ACH payment but since it was the weekend I was told they are considering my payment late and removed me from the agreed payment plan. I was never instructed that weekends do not count as payment dates and now I am told that I do not qualify for any payment agreements and its my fault that I defaulted on the payment plan. They now are showing that my payment is past due that will potentially jeopardize my credit rating. They are also saying I have to come up with {$500.00} in 7 days and then {$500.00} for the remainder of the loan terms.
Consumer complaint received 2017-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My loan with Carrington Mortgage Services was originated on XX/XX/XXXX - until the month of XX/XX/XXXX, I have always made my payment online with XXXX surcharges added to my monthly payment. As of XX/XX/XXXX - Carrington Mortgage is now requiring an additional {$5.00} convenience charge in order to pay my mortgage online. Additionally, if I were to make my payment over the phone I would be charged over {$20.00} to make the payment. I do not have checks to make this payment via mail, and I should not have to incur the cost of postage for a task that was previously free, and one that I did not previously agree to.
Consumer complaint received 2024-10-28
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (VA)

Opened a Wells Fargo checking account on XXXX XXXX which had {$250.00} signup bonus. " We 're writing to let you know we received your application for a Wells Fargo Everyday Checking account on XXXX XXXX, XXXX. '' I was eligable for the bonus and was informed that bonus will be applied to my account " Status : Your application has been approved, and your new account is eligible to receive a bonus offer '' I Deadline for opening account to receive bonus was XXXX XXXX. I opened and met terms of account on XXXX XXXX. Made initial deposit of {$50.00}, which was {$25.00} more than required. Wells Fargo refuses to pay {$250.00} bonus per advertisement of signup. I informed them of meeting the deadline and terms and company refuses to issue bonus. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising to me.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (WA)

I am a customer of  XXXX   XXXX  and have a brokerage account with them. In  XXXX  they sent out an offer for their  XXXX   XXXX  Client Rewards Card. I applied, they did a hard pull on my credit report from  XXXX , and sent me a letter advising that they had denied me credit because " Unable to validate information provided on your application. '' I obtained a copy of my   XXXX   report and verified that all the information was correct, wrote to  XXXX   XXXX  to advise them, and received ANOTHER letter with the same message. This time I called them and was told that it is  XXXX   XXXX  's policy that they wo n't process an application for anyone who does not have an SSN. Given that they have pulled my credit and seen my  XXXX  score of  XXXX , and that I have a $  XXXX  account with their brokerage arm, and that I have a perfect payment record on my other credit card, clearly  XXXX   XXXX  has denied me credit because I am a non-citizen. Please make them stop.
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TCF NATIONAL BANK (VA)

I called Gateway One Lending and Finance at  XXXX  to payoff my car loan and they wouldn't take my payment.  I pay online and they wouldn't take that payment either.      They don't have a way to process the closing in the same manner that I was instructed to make payments and find this feels like a usury situation as they are forcing me to stay in the loan and pay interest that I would like to pay off.    I contacted the company and they said they couldn't help.
Consumer complaint received 2024-10-04
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC. (GA)

I have derogatory marks on my credit due to reporting from midland debt collectors. Whom I have never done business with or approved any exchange of information to this agency. This is a violation of my rights and privacy of my information being passed with this agency and I did not approve of nor will I pay a collector I've never done business with
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (WI)

I have received 2 letters stating that  Citibank  has enrolled me in an optional debt protection program and was charged a monthly fee. As far as I know this This had been a few years ago. I do not carry a  Citibank  card at this time.
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (DC)

At the end of  XXXX   2017 , I applied to have my cosigners released. I submitted a complete package on  XXXX   XXXX ,  2017 . I spoke to the customer service department on  XXXX   XXXX ,  2017  ( a  XXXX  with the id code of  XXXX  ). I was told by  XXXX  that the notes on my file indicated that on  XXXX   XXXX ,  2017  my complete cosigner release package was under review. I was told I would have an answer  in 10 business days. I have not received an answer. I tried calling Navient today, and I was placed on hold for 15 minutes without anyone providing an answer on the status of my cosigner release application.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

XX/XX/XXXX XXXX approved a loan modification for me then transferred my loan to Ocwen inXX/XX/XXXX. When my loan got to Ocwen they wouldnt accept the modification that was already in place with XXXX. I have been trying to find out what happened to the notarized package that was sent in XX/XX/XXXX, and why Ocwen wouldnt accept what XXXX had already approved for me. Please help me! I have been in my home 24years and I dont have anywhere else to live once my home is sold on XX/XX/XXXX. I didnt just leave my home like many other homeowners would have done. XX/XX/XXXX to Present Ocwen has been denying me the Modification that I had in place in XX/XX/XXXX. Ocwen didnt acknowledge ever receiving my XXXX Notarized Documents of XX/XX/XXXXuntilXX/XX/XXXX. I continued from XX/XX/XXXX to present to ask for my modification but I continue to get letters from Ocwen saying " Investor Doesent Participate in the HAMP ''. Ocwen wanted me to leave my home and I didnt. I did nothing wrong. My loan transferred to Ocwen and once my documents go to them, the process stopped. Ocwen didnt tell me about my Notarized Documents until 5years later. When my loan transferred to Ocwen in XX/XX/XXXX, I owed {$31000.00} in Arrears, today my Arrears are {$370.00}.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX. XXXX XXXX XXXX, PA XXXX refuses to send my credit report and crdit score for a loan with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX concerning a loan application.
Consumer complaint received 2017-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, Transunion, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders onXX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, Transunion, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo XXXX card decided to hold my payments for for XXXX business days without notifying which caused my rent payment to be returbed and I was charge fees because of it. They didn't vene notify me that they will begin putting my payments on extended hold and their represebtative stated that they arw not required to do so.
Consumer complaint received 2017-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (CA)

Halsted Financial Services, LLC ( T : XXXX ) has been calling me for approximately one month while claiming that I owe them funds on an account, however, as I have explained to them, I was was the victim of the XXXX XXXX XXXX XXXX Data Breach and this account was not mine. To wit, they have not respected this fact even though I have explained it to them. I heretofore request th
at Halsted Financial Services, LLC to CEASE and DESIST all collections activities ( phone calls ) forevermore. Signed, XXXX XXXX XXXX
Consumer complaint received 2024-10-27
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. (MI)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX, under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Please see attached documents Thank you
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to XXXX during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to XXXX  ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (VA)

I have been attempting to open a ally savings account for weeks! When i try online it said I need to go login into my old account from XXXX years ago. The phone number and email listed are both INVALID. I have called three times attempting to get this fixed. Every time they say they can not send me a code to my current number and someone from the risk team will call in 2 days. Well it's been 2 weeks and no one has returned my phone calls. Today I spoke with XXXX XXXX, who claimed this team cleared the cases but could not call me because of the hurricane, then she proceeds to try to send me a code and she still can not send it. I sat on the phone for 20 mins as she reached out to the " special '' team and then she came back and said i could hold or call back later.. Then she comes back and says they need to create another case. Like why should I have to call back? Your customer service SUCKS. YOUR BANK SUCKS!
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SC)

TJX Credit is continually calling me regarding a credit card balance that is paid up to date. It is NOT past due. I told them this and told them to stop calling. They continue. The Caller ID says XXXX. They will call every day for a week. Wait a while and repeat. This despite the fact NOTHING IS PAST DUE AND THEY HAVE BEEN TOLD TO STOP CALLING.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting a Credit Collections account on my credit report that is not mine. I have never done business with this company and I have never been sent any bills, notices or paperwork telling me that this is my debt. The account number on my credit is " XXXX '' and the amount on my report is {$240.00}. I need Transunion to delete this account because it does not belong to me. I have a common name and this is not the only time Transunion has reported someone else 's information on my report. I have disputed this with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To this date, nothing has been done to properly process my dispute.
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

To the consumer protection bureau, I have repeatididuy asked this company, Portfolio Recovery Associates, to stop contacting me, calling me and harassing me over a debt that they assume I owe them. I do not owe this company anything as they claim I do from XXXX XXXX. I have never ever had a XXXX XXXX credit card. I do not know how or why there is a collection against me on my credit reports ( all three of them ) from this company claiming that the account is original debated to XXXX XXXX. I have told them repeatedly that this is not a valid debt for me and it should not at al be displayed on my credit report. This is a fraud against me and I have had a security freeze on my account for years as a result of their hounding me. Check my credit reports and my social I have never opened up or authorized anyone to open up a XXXX XXXX card using my social security number. Sio whatever they think I owe them is false information and fraudulent and they need to stop hounding me and threatening me. I am a XXXX, a mother and I do not even live in California anymore. regardless, they have no right to pursue me and tarnish my credit because of this inaccuracy!