davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called in today XXXX/17 at XXXX XXXX est and wanted the company to relook at my two credit cards because they denied me a credit line increase. the reason for denial was too many inquiries. I asked for an explanation and the first rep transferred to a supervisor when I asked then the supervisor discouraged me from applying for further credit and could not explain why this letter referred to XXXX as the reason for my denial when she says it was internal reasons that I asked too many times internally. I then asked for her manager and this person again could not fully explain what the reason means and why it was giving me XXXX as the reason. He stated again that it was internal and that the system makes the decisions not them and proceeded to discourage me from further applying for credit. The call was recorded and the manger told me I could not apply again for six months that they would not accept my application. I ended the call with the manager because he could not help me and he was discouraging me from getting the credit line increase I need to keep my utilization in line and do my XXXX shopping.
Consumer complaint received 2017-08-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I was refinancing my mortgage through Wells Fargo. After providing them multiple document proving income and several other documents ; I was decline due to a clause in the VA agreement on the closing of the mortgage. The reason I was given is that they consider my owned property as a condo when in fact it is a privately owned residence. The reasoning behind it was n't very well explained and now for me to lock in a rate I must provide a lock-in fee to the bank until they figure it out. I am a XXXX Vet and I feel I have been mistreated in this whole process. I would like a written, clear explanation as to why the VA and Wells Fargo refuse to assist a XXXX Vet.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I utilized bill pay to pay my mortgage - check was scheduled to be sent on XX/XX/XXXX. On XX/XX/XXXX, I viewed my account and discovered that 2 checks were sent. I immediately called the bank to rectify the error and was told that there were 2 Bill Pay Accounts setup ( 1 Did not have the account number ) - which, I did not create. I was told that the 2nd check was returned and I would be refunded the return fee. On XX/XX/XXXX, I saw that the check was reprocessed and requested a stop payment however, on XX/XX/XXXX, my account was in the negative because the check was cashed. I then spoke with a bank supervisor ( who refused to give me any identifying information ) - who told me the check was cashed and there was nothing that he could do about it because " the computer made the decision. " I went into the local branch to speak to someone in person however, I was directed to " call the call center, we no longer deal with these issues at the bank. '' I submitted a complaint with CT DEPARTMENT OF BANKING On XX/XX/XXXX and was told that my complaint would be transferred to CFPB. I also submitted a complaint at Citizens online in XX/XX/XXXX- only to hear that this was my fault. Right now my account continues to incur fees because, the bank has refused to return my money.
Consumer complaint received 2017-12-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC (GA)

I received a call from a debt agency called XXXX XXXX and XXXX based in XXXX Texas. The debt collection agency stated that they will garnish my wages for a debt over XXXX XXXX XXXX. A vehicle that was repossessed 10 years ago. The number that called me is XXXX which is from XXXX New Jersey. The person told me I will be arrested if debt not paid.
Consumer complaint received 2017-12-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (NY)

I signed the closing disclosure on XX/XX/XXXX for a refinance home loan with Loandepot.com. 
Today, XX/XX/XXXX I checked my loan depot account online and noticed they have multiple closing disclosures that show a different : monthly payment, closing cost, homeowners insurance amount, and different cash amount given to me. 
I spoke with XXXX XXXX, the Sr. account manager, and she mentioned the reason it changed because the insurance was not included in the loan estimate, and that there was a renewal of the home insurance which is more expensive. The home owner 's insurance it 's included in the closing disclosure I signed which rejects XXXX XXXX XXXX 's explanation of the increase. 

I left a message today to XXXX XXXX wanting to cancel because according to their legal documents, I can cancel on the closing disclosure ... One of my closing disclosures on myloandepot.com account is dated today XX/XX/XXXX. So I should be able to cancel it. XXXX XXXX responded on a voice mail that I can not cancel because the document I signed it 's a legal binding document. 
IF it is a legal binding document then IT IS ILLEGAL TO CHANGE EVERYTHING AFTER I SIGNED IT.
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

Dear Sir/Madam : I had/have Previously Submitted a Complaint/Request for Assistance, and the Consumer Complaint Number # XXXX, against XXXX XXXX XXXX XXXX XXXX, Loan Number # XXXX. On today, I received a letter dated XXXX XXXX, 2017, from Beneficial. 

That letter at Paragraph 3, references a Lien for XXXX XXXX XXXX, that Lien was disposed/avoided of in the Federal Bankruptcy proceedings, after the XXXX  XXXX XXXX did not challenge it by the Federal Bankruptcy Judge. Beneficial was provided a copy of that Court Order by my Bankruptcy Attorney ( XXXX XXXX XXXX ), that handled my case, after Beneficial refused to acknowledge the copy of the bankruptcy proceedings that I sent them. If Beneficial has provided you with a copy of the XXXX XXXX, 2017, letter that I just received from them, please note that they have omitted that document? I have provided as an attachment a Copy of that Court Order from Judge XXXX for you to review. How is it that Beneficial forgot to provide that document to you, this in itself is the whole basis for the Complaint against them. Beneficial has willfully and knowlingly not submitted documents that prove that I am right. Additionally, XXXX XXXX has never submitted any documents, be it letter or Confirmation from XXXX XXXX XXXX that Lien is still Valid. I also contacted the XXXX XXXX of XXXX XXXX, which handled the bankruptcy proceeding on XXXX XXXX XXXX 's behalf. In view of this information and the statements made by XXXX XXXX XXXX XXXX, in that letter dated XXXX XXXX, 2017, they must provide proof of whom and when they spoke with at XXXX XXXX XXXX, time, date and Phone Number, so that Debt Lien can be acknowledged. 

XXXX XXXX XXXX XXXX, must not be allowed to Pawn this off on " XXXX  XXXX XXXX, XXXX, as they had nothing to do with the information being provided by XXXX XXXX XXXX. As you now have the Court Order that Beneficial did not provide you with, and no way of knowing who from Beneficial spoke with whom at XXXX XXXX XXXX XXXX and when, that needs to be resolved in writing by XXXX.
Consumer complaint received 2017-09-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have sent numerous dispute letters to Equifax about a furnisher /public record named XXXX XXXX XXXXXXXX CT XXXX XXXX they are reporting on my credit report. Equifax claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX CT XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor XXXX XXXX ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with XXXX XXXX has been locked from access how is Equifax able to verify this? I 'm very dumbfounded. 
If Equifax is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX CT XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is Equifax and XXXX XXXX able to verify so quickly with the court and mark it as " verified '' and close my dispute? With Equifax 's response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to Equifax and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from XXXX XXXX or the furnisher. 
Again, each dispute I 've sent to Equifax, answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have Equifax correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with XXXX XXXX XXXX the XXXX XXXX XXXX  CT XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX XXXX, they may be liable for their willful non-compliance.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

I opened TD Premier checking account by clicking on the button of the attached picture bonus_promo.jpg on XX/XX/XXXX. It promised me {$300.00} bonus if I follow reasonably simple rules listed on the same picture I followed them and by XX/XX/XXXX had $ 2500+ in direct deposits, see " ACH DEPOSIT, XXXX XXXX XXXX XXXX '' marked transactions in XX/XX/XXXX and XX/XX/XXXX statements. Since the promo did n't say when bonus will be paid out and it was n't showing up on my account I submitted online inquiry. Since response was n't of any substance to my particular case I tried again, with the same result ( see attached XXXX and XXXX Since online inquiries werent going anywhere, I started calling TD customer service at XXXX. On XX/XX/XXXX I spoke to XXXX, who did math together with me, agreed that all conditions of the promotion were satisfied, confirmed that having credit card account with TD prior to opening bank account did not disqualify from this promotion and told me that bonus should be paid by XX/XX/XXXX On XX/XX/XXXX I spoke to XXXX, who confirmed everything that XXXX confirmed and promised that I will have a response within a week. On XX/XX/XXXX I spoke to XXXX, who also agreed that I satisfied all the conditions of the promotion yet pointed me at the bonus promo FAQ page ( see Bonus_promo_FAQ.jpg ) and said that bonus will be paid by XX/XX/XXXX according to it ( 95 days after {$2500.00} in direct deposits ) On XX/XX/XXXX I went to my local branch at XXXX XXXX XXXX XXXX, XXXX XXXX , NJ XXXX and spoke to XXXX XXXX ( XXXX XXXXXXXXXXXX ) - who also agreed that all conditions were met and he send an email to XXXXXXXXXXXX, who would supposedly fix it After not receiving any response from XXXXXXXXXXXX in about a week I called customer service again on XX/XX/XXXX and spoke to XXXX. XXXX also agreed that all conditions of the promotion were met. He clarified that there were 2 different promotions, one {$2500.00} in direct deposits within 90 days and bonus payout after 125 days of account opening - the one that I was using, and the other one ( {$2500.00} in direct deposits within 60 days and bonus payout after 95 days after deposits completion - the one described in bonus_promo_FAQ.jpg ) And in my case bonus should have been paid by XX/XX/XXXX and in any case I satisfied conditions of either promotion. He sent email to some promo department and said that they should fix the problem within a week or so It is XX/XX/XXXX now, bonus still have n't been paid. All customer service representatives I spoke to were very courteous and professional. Unfortunately, after 2 online inquiries, 4 calls and 1 in person visit I still was n't able to get promised bonus, so I do n't think they are able to help.
Consumer complaint received 2017-09-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (RI)

Hello, I sent our Mortage Loan holder the following email. I do not understand why they can not waive the late fees. the fees are accumulating on our account and we can not do anything about it. i pay my mortgage every month but after the XX/XX/XXXX is there any other recourse i can take?? also, there was one month when i was out of work and i did not have the entire XXXX, so we sent in the principle only thinking they would credit our account. But instead they held the payment and put us in default and we were charged late fees, it took me months to finally pay the bal to get out of default. I am not sure that was even legal to do. 



Dear Selene, I am sending you this email regarding my mortgage loan and late fees. I have appealed to you before regarding the late fees you continue to charge my account. I had explained to you before, that we can not pay by theXX/XX/XXXX of the month because my husband is retired and his money comes at the end of the month. we do not have an addtional XXXX to send to you before the XX/XX/XXXX Before our mortage was acquired by you, we had XXXX XXXX XXXX, and they worked with us to waive the late fees. I pleaded to you to do the same. You pride yourself in helping your customers but i find this is not true. now the late fees are adding up and it is horrible. once again I ask that the late fees be terminated. we do pay each month but the end of the month. Or if you can give us one month reprieve, so that we can pay by the XX/XX/XXXX that will work also. Please advise XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXXXXXXXXXX XXXX # XXXX
Consumer complaint received 2017-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc. (MO)

The {$20.00} stated as being owed was paid directly to the medical facility. It needs to be removed from my credit report as a delinquent payment. I DO NOT OWE IT. The medical facility already stated that they made a mistake on posting my payment and fixed it on their end. Central States Recovery needs to clear this from my record!!!!!
Consumer complaint received 2024-08-27
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. (NY)

IAM XXXX XXXX XXXX  SS#XXXX  DOBXXXX  MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  TODAYS DATE XXXX 
I HAVE NOTICED MANY INCORRECT ADDRESS NAMES AND EMPLOYMENT INFORMATION ON MY CREDIT PROFILE. CORRECT AND UPDATE  THESE ADDRESSES ,NAMES AND EMPLOYMENT NOW .IAM A FEDERALLY PROTECTED CONSUMER  I NEVER PERMITTED THESE ADDRESS.. I ASK FOR MY PROPER ADDRESS TO BE UPGRADED MY ADRESS TO XXXX XXXX XXXX XXXX XXXX,GA XXXX  AND MY NAME TO BE UPDATED TO
CORRECT NAME: XXXX XXXX XXXX

LIST OF INCORRECT ADDRESSES:
Addresses
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  
LIST OF INCORRECT NAMES: XXXX XXXX XXXX, XXXX XXXX 

CORRECT NAME: : XXXX XXXX XXXX  

INCORRECT EMPLOYMENT: XXXX XXXX XXXX XXXX
CORRECT EMPLOYMENT: XXXX
Consumer complaint received 2017-09-10
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. (NE)

XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (WA)

My personal information was compromised/leaked by Equifax without my consent, putting my financial wellbeing at grave risk. Furthermore, my knowledge of the incident was intentionally delayed by Equifax, putting my financial wellbeing at further risk. I was not aware of the issue until XXXX XXXX XXXX even though the incident took place months prior. I have now placed an initial fraud alert on myself with XXXX, and I will have to manage and monitor this leaked data for the rest of my life, at my own expense and spending my own time and money.
Consumer complaint received 2024-08-28
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. (IL)

I did not consent to, authorize nor benefit from any of the following inquiries or account. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigated is over.
Consumer complaint received 2024-08-27
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)

XXXX XXXX XXXX XXXX is reporting my personal financial information to the credit agenciesXXXX XXXX, and TransUnionwithout my written consent for XXXX accounts ( accounts starting and ending in XXXX & XXXX. Effective immediately, they need to cease submitting this information, as it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item XXXX XXXX is reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Consumer complaint received 2024-08-27
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX