davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (ME)

I went through the process of filing an out of state title transfer for my vehicle. The original RI title was mailed from Wells Fargo to the Maine XXXX on XXXX XXXX, XXXX. The Maine XXXX transferred the title to Maine and mailed back the title to Wells Fargo in the provided Wells Fargo envelope on XXXX XXXX, XXXX. Neither the Maine XXXX or Wells Fargo have a tracking number for the envelope mailed. I need a copy of the Maine title to be faxed from Wells Fargo to someone else so that I can sell the vehicle and get out from under the loan. Wells Fargo has told me that they have n't received the Maine title, even though it is past XXXX business days. I believe that since they know I am in the process of selling my vehicle, they are purposefully giving me the run around in order to continue to collect interest.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I notified homedepot credit card department, run by citi cards, of fraudulent charges made in XXXX XXXX. I received an e-mail confirmation from homedepot for an online purchase that I did not make and called the company immediately. Several additional charges were made before the account was closed. The account was eventually closed and the balance was transferred to a new account. I confirmed my portion due and paid in full. I was under the impression the issue was taken care of by the end of XXXX. XXXX XXXX I ran a credit report and found late charges associated with the account with fraud. I was never notified of a remaining balance. Since XXXX XXXX, XXXX I have called 10 times to resolve the issue. I have requested to speak with a supervisor, I was told none were available but my request would be passed on and I would receive a call back. I never have been contacted. I am filing a complaint now for two issues : 1. Every time I call for an update on the issue I am provided different information. I am never allowed to speak with a supervisor or the investigator on my account and I never receive a call back. 
2. My credit report is reflecting a failure to pay, which is incorrect, thus affecting my ability to be approved for current credit requests. I am trying to move and the negative credit score is impacting application approvals. 


initial fraud charges : {XXXX XXXX/XXXX/XXXX {XXXX} XXXX/XXXX/XXXX {XXXX} on XXXX/XXXX/XXXX Since the credit report ran on XXXX XXXX XXXX, when I realized there was an issue, I have spoke with Homedepot on the following dates : 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 2017-05-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (CA)

On  XXXX  my wife and I executed a contract with Cash Call to refinance our mortgage. The Closing Disclosure forms that we signed indicated a total closing cost of {$2100.00} and cash to the borrower of {$11000.00}.     When the everything funded and closed, the closing costs had nearly doubles to {$4000.00} and the cash to the borrower was reduced to {$9400.00} These changes occurred without Cash Call informing my wife or me of the change. We were not asked to sign or execute a new contract or an addendum to the contract. As a veteran, specifically of the  XXXX   XXXX , I received what I thought was playful teasing about  XXXX  's and their relative intelligence as compared to a someone in other branches. I now wonder if this was in fact a true bias that has resulted is disparate treatment.     Bottom line is that I simply do not understand how a lender can make material changes to the closing costs and our cash out amounts after we signed/executed a contract.
Consumer complaint received 2017-09-29
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: BARCLAYS BANK DELAWARE (VA)

These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The XXXX XXXX and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (VA)

On XX/XX/XXXX I received a letter from Wakefield & Assoc stating that they were representing my dermatologist in collecting an unpaid debt. The amount was for {$97.00}. I contacted my doctors office and they have no record of any unpaid bills or any collections actions against my account with them. 

From the Dr Office : Please call me at XXXX or on my cell phone, XXXX so we can review this together. I am not showing you have an outstanding balance or any notations of collections activity on youe account. Please send a copy of the collections letter you received so I can follow up on this as soon as possible. 

Thanks, XXXX XXXX, XXXX XXXX XXXX I have requested in writing via fax for them to prove this is a legitimate debt. They have not provided any such proof.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (CA)

A company I have never heard of, nor have the contact information for, has listed a collections debt on my credit report. It appears to be Southwest Recovery Services. The collection on the account claims I owe {$1100.00} from XXXX of 2016, yet I opened no new credit that year. I have never received any mail or calls from this company so that I could either pay the debt to avoid collections, or, to be able to dispute the debt if it was indeed unfounded. This is a very scary thing that a company can just put something on my credit report, affecting my score and reputation, with something I know nothing about. I have filed with XXXX to dispute it and have it removed, but I do n't know what else to do.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MD)

I would like to formally file a complaint with Synchrony Bank/Banana Republic ( BR ) for unfair and illegal predatory business practices. From XXXX XXXX to XXXX XXXX, Synchrony Bank/BR has lowered the credit limit on my BR/Visa credit card FOUR ( 4 ) times. According to letters sent by the company, the limit was lowered based on " periodic '' reviews of my TransUnion credit report. There are two issues with this : 1 ) Since I opened my Banana Republic credit card in XXXX, I have always paid my bills on time, despite an occasional late fee for being a couple days late. In those TEN years since opening my account, despite my struggles with other creditors in XXXX, I have NEVER gone beyond 30 days late with Banana Republic. 2 ) By frequently lowering my credit limit, Banana Republic created a vicious cycle in my efforts to repair my credit. Each time my credit limit was lowered, my FICO score would tumble by 30 points or more. Therefore, each time the credit was pulled during these periodic reviews, there would be little to no improvement to my score, prompting Synchrony Bank to lower it again. In fact, the last reduction occurred FOUR ( 4 ) months from the previous review. How is that fair??? Most companies review credit every 6 months or more. But what I find even more disturbing is the timing of my last credit limit reduction. In a letter dated XXXX XXXX, XXXX, Synchrony Bank/BR notified me that my credit limit had once again been lowered, this time to {$2100.00} ( note : in XXXX, the limit was increased to {$4000.00}. ). XXXX XXXX was also the statement closing date for my last bill, where I made a LARGE {$450.00} payment to the company. My goal was to begin paying down this account, so I would no longer deal with these targeted credit limit reductions. However, the company insured I would not get ahead by lowering my credit limit immediately after making that large payment. I am confident that was the case because the letter dated XXXX XXXX, XXXX notes the credit limit reduction was based on a credit review on XXXX XXXX, XXXX. That 's nearly THREE ( 3 ) months after the review!! IN ALL OF THE PREVIOUS LETTERS, THE LETTERS WERE DATED NO MORE THAN 12 DAYS AFTER THE CREDIT REVIEWS. This is not a coincidence. This is targeted, unfair and illegal business practice. I have attached documents supporting all of my claims, including a letter I wrote to the company in XXXX XXXX about this issue.
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

On XXXX XXXX we closed on a brand new home in Florida with Everbank. At the time of closing we were charged for a full year of improved property XXXX {$5100.00} est ) when in reality the Trim notice from the county showed taxes of {$550.00}. The closing statement reflect a credit for taxes of {$220.00} from the builder seller for the first 8 months. 

I have grossly overpaid for the escrow and have been told by the bank this is a XXXX XXXX rule and they could not and will not correct
Consumer complaint received 2017-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

my mortgage servicing company is roundpoint mortgage servicing corp. I have this company since the purchase in XXXX the company offers 2 major ways to pay mortgage through mail and online. in my case I use the two methods, no preference at all. my complaint is that this company has a very lousy management team, when you make your payment through mail the payment does not get reflected online and creates confusion for the customer, for example right now I am due for my next payment, I have in my check book that I already made my XXXX payment by mail and still the website reflects that it is due on XXXX / XXXX. I have called them already 2 because of this problem and also have written numerous emails to their staff talking about this problem, I am really sorry but in my opinion they are not paying attention to customer service and somebody has to step in and get things straight.
Consumer complaint received 2017-09-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

On XXXX XXXX 2017 I faxed an ACH Change Transfer Authorization to Debit Account form to the KeyBank NA loan service center to change the date of the automatic payment transfer out of my KeyBank checking account. Request - change date of transfer to the XXXX of each month. 
- On XXXX XXXX I faxed a an ACH DELETE Transfer Authorization to Debit Account form to the loan service center to stop all automatic payment transfers out of my key checking account. 
-Yesterday XXXX/XXXX/17 two payments were deducted from my key checking account for the same loan payment. No payments should have been deducted. My account balance was {$120.00}. It is now negative XXXX {$590.00}. ) Not only did the bank transfer funds that were in my account without my authorization, but I now can not access any funds to meet my day to day needs, including a direct deposit child support payment that went into this account yesterday, XXXX/XXXX/17. 
- I spoke with KeyLoan service center employee XXXX ( emp # XXXX / ref # XXXX ) t : XXXX and she confirmed that the key loan service center processed the first form XXXX XXXX XXXX 2017 ) form on XXXX XXXX 2017, after they received and processed the XXXX XXXX 2017 request to stop automatic transfers, resulting on XXXX/XXXX/17 in two payments being automatically deducted from my key checking account - neither were authorized by me. First an automatic transfer of XXXX and a second transfer " curtailment of XXXX. '' XXXX agreed to refund one payment and reverse any NSF fees, but refused to return both payments to my account. Both payments should be returned - neither payment was authorized by me. See attached screen shot of unauthorized payment transfers. Thank you for your assistance.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

EXPERIAN Following up on the data breach, I accessed the company 's web site to discern what can be done about that problem. They offer to monitor but with " strings. '' I declined. 

Yesterday around XXXX XXXX I received an email from EXPERIAN offering credit monitoring for {$0.00} and  no card # required. Moments later I was billed on my XXXX via XXXX {$52.00} ; XXXX is their card processor. 

EXPERIAN had to access my credit file an pull my XXXX card number and charge me without authorization. This is is a fraud in advertising or maybe a " hacker 's '' scam. I do n't know. 

REPLY-TO ADDRESS ON EMAIL : reply-XXXXXXXXXXXX
Consumer complaint received 2017-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX, XXXX, I had XXXX XXXX XXXX deposits sent to my account, XXXX around for XXXX  and another for {XXXX}. The {XXXX was sent first to my account before I completed my transaction purchase at a store for XXXX. Once the funds were sent, I completed my purchase at the register because the funds showed available in my balance on my XXXX app, as I already had funds in my bank, plus the XXXX} that was sent to me. The XXXX deposit for XXXX was made after my purchase, however this did not matter as the funds were sufficient for the XXXX or at least that was what I was shown on my XXXX Banking Application on my phone. This morning, I wake up to find that XXXX has charged my account a {XXXX} insufficient funds fee. I called and spoke with a banking representative and was told that my deposit were made after XXXX pm XXXX XXXX and as such would not be processed until today. I am in XXXX, and on my banking app, the funds were shown in my balance, and that is why I felt comfortable making my purchase. I can only trust what I see in my app to be true. XXXX has refused to refund me my XXXX fee. I believe that they purposely deceived me and likely do so to many others, making billions off of middle class Americans just trying to survive so they can make billions of dollars in profit. I was shown that I had the funds available. I made the purchase based on what I seen. Now XXXX took XXXX dollars of my money to illegally and XXXX make a profit off of someone who works hard, pays her taxes, and at the same time struggles to make ends meet. I would like my {XXXX dollars back as it was illegally taken from me.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with the persistent inaccuracies on my credit report, specifically regarding the XXXX  account with the account number XXXX. Despite multiple attempts to resolve this issue with TransUnion and XXXX, the problem remains unresolved. 

The XXXX  account, which was closed on XX/XX/year>, is still being reported as open and negatively impacting my XXXX XXXX. This is the fifth attempt to address this issue, and the lack of resolution is both frustrating and unacceptable. 

By continuing to report inaccurate information, TransUnion and XXXX are violating the Fair Credit Reporting Act ( FCRA ). This federal law requires credit bureaus to provide accurate and timely information about consumers ' credit history. I urge the CFPB to investigate this matter and take appropriate action to hold these credit bureaus accountable for their repeated violations of the FCRA. 

It is evident that TransUnion and XXXX are either incapable or unwilling to correct this error. Their negligence has caused significant financial harm and emotional distress. I believe it is imperative that these credit bureaus are held accountable for their actions. 

Recent reports have highlighted the XXXX shortcomings in addressing consumer complaints. I hope that by filing this complaint, I can contribute to a larger effort to hold these institutions accountable and ensure that consumers rights are protected. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to compel TransUnion and XXXX to correct the inaccuracies on my credit report. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX XXXX was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted XXXX XXXX and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that XXXX XXXX is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, XXXX XXXX comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with XXXX XXXX XXXX XXXX to lower his payments and not lose the home. I was not involved in that in any way. XXXX XXXX told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation XXXX XXXX sent to me regarding the loan modification in his name only.
Consumer complaint received 2017-09-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: RFNA, LP (SC)

I received a check/loan in XXXX. I deposited the check. When the first payment was due I was called and I told them I would make the payment my next pay date. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with them and said I would make the payment over the phone. I was told that I could possibly " get more money '' with an application for a new loan. I told the lady twice I would make the current payment so as not to get behind. She again encouraged me to " see if I qualify for more money. '' She started the application and told me that since my credit was frozen I would need to unfreeze this then she could continue the application. I had my credit unfrozen with XXXX  the same week. I spoke with her again XXXX/XXXX/XXXX and she said they do not use XXXX and I would need to unfreeze my credit with XXXX & XXXX. I again offered to make the payment so that I would not become delinquent. She said " just see what you can do. Maybe we can get you some more money. '' I have tried to unfreeze my credit with the two other agencies unsuccessfully and have had a hard time getting in touch with the agencies due to the XXXX breach creating long hold times, and have been disconnected while waiting. I even spoke with XXXX but due to the operators thick accent I could not understand the questions he asked and I was unsuccessful. Today I again tried to get in touch with XXXX and was told after waiting 1.5 hours that I had the wrong department and was given another number. I work and take care of my XXXX XXXX XXXX XXXX so I could not stay on hold for several hours. This evening I received a message stating that " the application could not longer be active '' and that she needed to hear from me by XXXX XXXX or " things will get serious. '' I called and left a message to remind her that I have tried multiple times to make the payment and I asked to please let me know what she means by " things will get serious ''.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, 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)

I received an email stating that XXXX had an data breach and that I need to contact all three credit bureau about disputing items off my credit report. The email gave me a link that I can click on and put my information in to see was I an victim of the breach data and it came back stating that my information was taking. Here are the following inquiries on my credit report that I have notified TransUnion about and they have transfer me over the Fraud Security department. I talk to an Supervisor and she stated that she could not remove the items off my credit report. Here is the information that I 'm disputing : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX/XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX/XXXX XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX 14. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted Equifax on several occasions Over the past three months due to reporting issues. First there were errors that were requested to be fixed for several months then Suddenly my information did not report at all except for one cancelled account from years ago. It has impacted my ability to buy a home at prime rate, and led to multiple unnecessary and score impacting inquiries. When I called I was asked to submit copies of my Social Security card and an ID and they stated that within 4 to 6 weeks that would get my file corrected. That has not happened and this was BEFORE the data breech which Im now informed Ive been impacted by as well.