davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I applied for a HAMP modification with XXXX in XX/XX/2016. They asked me for additional documents and we went back and forth until XX/XX/2016, at which point, they stated that my application was completed and they will review it within 30 days. Approximately 2 days later, I received notice that XXXX transferred my mortgage to Select Portfolio Financing. They assured me that my HAMP application will be reviewed by the new services. SPS received the application and began asking me for new documents. Each document took a week to process. They only asked for a document at a time, which took weeks. By XX/XX/XXXX, I began worrying that I might miss the HAMP deadline ( XXXX ). I called SPS repeatedly and was reassured by their representatives and a supervisor that since I turned in the actual HAMP application in XX/XX/XXXX, I will still be eligible for consideration. During this time, my tax extension that I sent in with my original remodification application expired ( as they usually expire in XX/XX/XXXX ) and SPS asked me to turn in my XXXX forms ( this was on approx XX/XX/XXXX ). This was the last document they needed. I turned that in in the XX/XX/XXXX, which was the soonest I could do so. 
Today, I received notice that SPS has approved me for an in-house modification, but not for HAMP. The reason stated by their service rep, was because I 'missed the HAMP deadline '. I find this utterly ridiculous after being constantly reassured that I will be considered for HAMP and after having applied for it in XX/XX/XXXX. I 've done everything I could do to comply with XXXX and SPS 's documents requests. I 've invested so much time in calling them, faxing them and uploading documents. I took a proactive approach and checked in with them every few day ... only to be told that I missed the deadline.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SUNTRUST BANKS, INC. (NC)

Suntrust Home Equity Line of Credit 
This new Complaint is in reference to my previous complaint to CFPB case # XXXX Regarding a Fraudulent Appraisal performed by Suntrust . I am addressing letter from Suntrust Dated XX/XX/XXXX in particular the last line."XXXX,if you have any questions,please contact me at XXXX .---I will be glad to speak with you "  signed XXXX.
It appears to me I am getting the same run around from Suntrust that I had from XXXX thru XXXX .Phone and contact names that did not exist and or no return calls. .My initial complaint was sent to CFPB on XX/XX/XXXX .A Suntrust surrogate called on XXXX and said a XXXX will call me on XXXX ,NO CALL.  I called XXXX (Suntrust) on XXXX @ XXXX. and left message @XXXX for him to call me back ,NO CALL . I called again on XXXX @XXXX and left message for him to call me back ,NO CALL .
Called XXXX on XXXX @ XXXX and left message for him to call me back.NO CALL. Called XXXX again on XXXX @ XXXX. and left message for him to return call.  NO CALL . Called again on XXXX Left message for XXXX to call back. NO CALL . In each instance I referenced the CFPB case number XXXX and left my home number , a land line with answering machine. I also quoted the last line in his letter "he will be glad to speak with me ".  This is EXACTLY how Suntrust treated me during Foreclosure case and the ONGOING FRAUDULENT APPRAISAL CASE.I do have questions for XXXX (if he does exist ) .
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CT)

Auto pay was supposed to be paused for this month, I spoke with two BMWF reps previously on different occasions, both stated auto pay was or supposed to be paused for this month and next month, continuing for the month of XXXX. However, a payment in the amount of XXXX was taken out today, XXXX, which caused me an overdraft fee in the amount of XXXX and was paid. The item was placed in dispute since I was told auto pay was paused previously, as stated before. The item is overdrawing my account and needs to be credited back, hence the dispute. I am paid up until XXXX, even without payment posting.. A rep by the name of XXXX stated he could look into crediting any fees associated with the payment taken from my account, the attach screen shot shows the two overdraft fees pending currently, in the amount of XXXX total, labeled at debit card authorization. I need XXXX credited back ASAP as well as payment in the amount of XXXX.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (DE)

I tried to apply a checking account in TD bank online, but it was said that TD can not find my public record. I have checking and saving accounts with other major banks for many years and I am sure the information I input for application is correct. Therefore, I think it does n't make any sense that TD can not find my public record.
Consumer complaint received 2017-02-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have been a member of USAA since XX/XX/2003. Last year, I filed for bankruptcy, of which USAA credit card was one of them. Soon after it was discharged, I tried to log on to my account, and received this message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' I was then taken to their mobile site, which limits what I can do, such as receiving documents. This has impacted actions that have needed to get done, such as paying my mortgage bill. 

I also found out that for some reason, I was never able to reaffirm my mortgage, even though I gave them permission to speak with my attorney and gave his information. I wanted to reaffirm my mortgage to show my good faith. 

Since then, I have received sub-par customer service. For instance, my mother passed away, and I had her on one of my accounts. They sent me paperwork to have her removed. I sent it in, but apparently, I was missing a document. No one bothered to let me know until I tried to add my husband to the account. 

Another interesting thing I have since noticed is the order in which they apply transactions. It seems they pay the larger ones first, and then the smaller ones. I thought they were supposed to pay as they came in, but they are not doing that. 

My experience with USAA lately has been frustrating and humiliating. I have other accounts with other banks, and I have full access to their websites. I truly believe because of the bankruptcy, I am receiving the bare minimum of customer service. USAA says they are there for service member and their families, but they 're not.
Consumer complaint received 2017-02-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

loan XXXX, loan serviced by Ocwen ; Ocwen will not admit that their creation called Shared Appreciation Mod is dead and cancelled. Signatures are not real by either party. 
Ocwen keeping the mod alive in order to keep the payments made. A new loan mod requested has been submitted.
Consumer complaint received 2017-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

There are 2 Portfolio Recovery Associates for the amount of {$420.00} and {$2300.00}. I have sent Portfolio Recovery Associates a debt validation several times with no response. Both items does not belong to me. Portfolio Recovery Associates had reported both items to my credit report and removed it then placed both items back on my credit reports
Consumer complaint received 2017-11-09
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: Experian Information Solutions Inc. (TX)

I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I entered into a repayment plan with The uS Dept of education for loan repayment. As promised by the US Dept of education if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! uS dept of education has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the Loan Rehabilitation program. I paid every month on time as agreed.
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WASHINGTON FEDERAL BANK (NM)

XX/XX/XXXX - XX/XX/XXXX I, XXXX XXXX have spent ( 1500 ) Hours on Identity Theft Solutions " working '' with the Credit Bureaus, Executives at Banks, Information Removals, Opt-Outs and Government Agencies. 

Since, XX/XX/XXXX my ' Bank ( Washington Federal ) is not. " TrustWorthy '' that is ' as, an XXXX Recipient. 

Made Causes for Reissuing Debit Cards Made Causes for Reoccurring Disputes Domestic UnLawful Activity Domestic Force Domestic Finance
Consumer complaint received 2017-12-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This website tells it all. We were under the 90 day to vacate agreement with Bank of America, we did not take cash for keys. XXXX week before we were to vacate, we were viciously attacked in our home by the new owner 's adult son. I need justice and I am not getting it! Please help me, I 'm a widow under great attack. 
Thank you! 
XXXX
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Company stole payments from my checking account then informed me they could n't take them and closed my account which violated that credit contracted signed at the beginning of the arrangment. They state they closed it because my payment was n't with a good account yet the contract states if my payment does n't work I have 180 days to pay my account when it 's in default and instead of fixing my very first payment on an account they lied to me to get, promising me a {$500.00} credit limit even approving me for a {$500.00} limit and only giving me a {$300.00} limit once they sent the card. This is a cheap lying company and I 'm opening a lawsuit against them.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

After Hurricane Irma, I received an automated email from my lender, RoundPoint Mortgage ( Account # XXXX ) regarding assistance for FEMA victims, of which I was one of, residing in Florida. I was told I could do one of two things. To take advantage of reduced payments, or no payments at all, I could pick the next three months and either pay it all back at the end of the three months, or they would have me sign a form to put the payments on the back end of the loan. I chose the latter option and instead of paying {$1200.00}, I 'd pay {$500.00} for the next three months. I received my bill at the end of  XX/XX/XXXX for XX/XX/XXXX, and it showed {$500.00}. I then received a letter stating that by doing what I did, they were going to contact all three credit bureaus and list my issue as a forbearance. That means I am going to get dinged on my credit. NOT GOOD. Today, I received an invoice for XX/XX/XXXX stating that I missed XX/XX/XXXX 's payment and they now want {$1200.00} for last month and {$1200.00} for this month. What they did with the {$500.00} I paid them in XX/XX/XXXXwas just apply it towards the principal as an " extra '' payment. I have written to the CEO, XXXX XXXX and have received no response. They were offering to help FEMA victims, but all they did was attempt to ruin my good name and credit and I want something done about this.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MA)

I decided to cancel my account with XXXX XXXX and according to the agreement in section IV Term and Cancellation : You may suspend or cancel this Contract at any time and in a number of ways, including : ( a ) telephoning XXXX, ( b ) signing and mailing XXXX one of the Notices of Cancellation, or ( c ) sending XXXX a written request. XXXX honors all cancellation requests without condition or charge that are sent to XXXX within the first five days of the date of this Contract. 

I wrote a letter and I also signed and dated the provided Federal Cancellation Form. Since it was late Saturday afternoon, I was not able to mail it but because it was XX/XX/XXXX ( the 5th day after signing ), I sent an email request with the documents attached, I uploaded the documents via the client website. 
I updated my account and selected Do Not Challenge for all of the negative entries on my report to insure no work would be done before I could confirm cancellation. 

On Saturday the XXXX the 5th day after signing XXXX XXXX charged my credit card for {$99.00}  and not only does the agreement clearly state I have 5 days to cancel without obligation, it also clearly states, several times, This fee will be charged after related services have been fully rendered. However, there were no Credit Repair Communications sent out so services were not fully rendered On Monday XX/XX/XXXX I sent the documents certified mail and I called the support number to follow up with the cancellation. XXXX XXXX is refusing to refund the initial fee of {$99.00} and instead offered me a {$40.00} refund, and that is unacceptable, I only want them to honor their agreement to cancellation without obligation. 

I am attaching the agreement as a supporting document. 


Also I would like to note they incorrectly notified me that a negative item had been removed from my XXXX credit report when in fact it had not. I was sent an email and it was reflected in the client website. 

I am attaching screenshots of the client website and the email as supporting documents.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint in regards to a previous complaint I submitted. Complaint number XXXX. XXXX responded but did not address my issue. There is an account which I was very specific about. XXXX XXXX XXXX XXXX is the account that has a comment on my report stating the account was included in my bankruptcy. This remark does not belong on there. I never filed for chapter XXXX nor XXXX bankruptcy. XXXX  responded that there is no bankruptcy reporting on my credit report. Well I have an updated report that is showing that this debt was included in bankruptcy. Again I never filed for bankruptcy. I fully expect to have this false information removed off my reports.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.
Consumer complaint received 2024-10-05
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 a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XXXX XXXX, I was asked by a Citizens Bank Investment Counselor XXXX XXXX XXXX XXXX to take my IRA Account of {$93000.00} and invest my retirement funds with Citizen Investment Services and was orally quoted that my retirement account would yield ( at least ) 8 % OR greater but no less than 8 percent annually. The income would then be posted on the XXXX anniversary date of the investment. I became worried and very upset upon getting monthly statements from this new investment put forth by XXXX XXXX XXXX. In fact, my $ XXXX investment within months showed a decrease in excess of {$4000.00}. I became so upset when receiving statement after statement with a huge loss of my retirement funds, I made several phone calls and e-mails to XXXX XXXX who explained that when ( in XXXX XXXX ) the posting of my first anniversary dividend ... that I would see a huge dividend and increase to my investment. I really thought XXXX XXXX was being honest with me, however, I soon learned that he lied to me about the return on my investment and too, that an investment friend whom I later became associated with told me about FINRA, an organization that keeps track of investment brokers, etc. Much to my surprise, XXXX XXXX had a complaint lodged against him for which he was found responsible for and too made to make restitution of {$9100.00}. I did file a complaint with XXXX XXXX 's parent company located in Massachusetts, however, they too, replied to me with bold face lies as to the scenario of events and too, what XXXX XXXX told me. In fact, to prove my point, XXXX XXXX, probably through a mistake copied my entire file he had on me, sent to to an investment broker and included a brochure which stated that the investment could yield better than 8 % or better. This proved that I did not just make up the percentage return on my IRA investment nor that I fabricated anything. I just received my XXXX XXXX Statement and AFTER SIX YEARS, my principal balance increased ONLY {$10.00}. Citizens Investment Services USED my {$93000.00} and probably earned 30 % or better. This is morally, ethically and criminal. Lastly, I did find out that the Security and Exchange Commission has repeatedly fined the Citizens Group of wrongful acts among its many spin-off subsidiaries. I NEED YOUR HELP to get my investment back together with the dividend income promised me, since inception. I am enclosing several documents and can give you the name of someone who has additional information in this matter.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (FL)

I recently filed several transactions with PNC Nank, N.A. as unauthorized transactions ( ATM withdrawals and POS purchases ) .. The disputed transactions were filed by me sometime on or around XX/XX/2017 through XX/XX/2017. On XX/XX/2017, PNC Bank denied the majority of my claims ( with the exception of two dispute charges where one was provided a final dispute credit and the other was provided a provisional/temporary credit ) for my disputed unauthorized transactions totaling approximately over {$1000.00}. PNC Bank 's reasoning for denying my claims is because the person who allegedly made the ATM withdrawals and/or purchases " kind of looks similar '' to me. I requested the documents and or photos that they received in making this determination to deny my claim and an employee ( XXXX ) from PNC Bank 's Executive Clients Relations department REFUSED to provide me with these documents and photos of allegedly me initiating these unauthorized transactions which is a breach of our contract ( account agreement ) and a violation of the Electronic Funds Transfer Act ( EFTA ) and/or Regulation E ( REG E ).