davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had a {$2000.00} secured credit card with USAA since XX/XX/XXXXNo late payments & perfect payment record. In XX/XX/XXXXI was overwhelmed by debt & filed for bankruptcy. Unknown to me my USAA account was included in the Bankruptcy. Shortly after filing USAA sent me a letter stating that my account was now closed with them.
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I called them & asked what happens now. They told me that I owed them about {$700.00} and they would subtract that amount from the {$2000.00} credit on the account & send me a check for about {$1300.00}. I waited for this refund XXXX thru XXXX. On XX/XX/XXXX I called them & spoke to a rep named XXXX & I asked what the delay was in me getting my refund. I was told that the exact amount of my refund was {$1200.00} and I would receive it in 3-5 business days.
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That never happened & as of today XX/XX/XXXX it still has n't happened. I have made over 20 calls to USAA & spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. No results. In desperation I paid {$28.00} on XX/XX/XXXX to overnight the CEO of USAA, XXXX XXXX pleading for my money. I spoke to XXXX, XXXX, XXXX, XXXX & XXXX XXXX all from his office. XXXX assured me the " check was in the mail '' onXX/XX/XXXX. As of this date XX/XX/XXXXit has not arrived, nor do I expect it to. What a disgraceful outfit.
Consumer complaint received 2017-06-05
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: EQUIFAX, INC. (FL)

After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the  XXXX  public records.   I then wrote to th e CEO 's  of the  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, subse quently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.
Consumer complaint received 2017-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

I recently recieved a re-fi loan for my Sallie Mae Loans. The first loan was disbursed correctly, and the second one was not. It was split up into the three loans that were left, and not used to pay off one loan as was directed by my new loan servicer. I know I and my re-fi company correctly communicated which loans were supposed to be paid off, but instead, Sallie Mae has once again messed everything up. All they want to do is keep me paying the insane interest rates I have been unfairly given. This is the third time I 've had to file a complaint about them with you, and the second one in two months.
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I contacted Bank of America on XXXX/XXXX/2017 to advised them that I never had an account with them and for them to please provide proof of the complete payment history, the original contract that I sighned. What type of account, where the account was opened and my signature. I received a correspondence from XXXX XXXX XXXX XXXX XXXX on the behalf of B of A dated XXXX/XXXX/17 which was a print of from billing statements which did not provide me with any proof that I opened account. I then contacted B of A at XXXX spoke with a representative who advised me that the account was old and she was not able to provide me with the document I requested. I advised representative that if you ca n't provide documentation it need to be removed. Rep then advised no it is mine and it will not be removed. I them wrote another letter and send to the three agencies explained the above and submitted the billing statements that XXXX provided and they all updated my file stating it was accurate and updated.
I would like this deragarory item removed from my credit file. I can be reach at XXXX or XXXX.
You assistance is needed it 'd been 3 months and numerous letters and calls made with no resolution.
Sincerely XXXX XXXX XXXX.
Consumer complaint received 2017-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Summary : We went to Citizens ' Bank for a mortgage to buy our first home. The Mortgage Loan Officer initially promised us a 4 % mortgage rate. After we agreed to it, he later said the best he could get was a 4.125 % rate and that he would lock us in at that rate. After that, less than 4 weeks before the closing date, he said that he had not locked us in at 4.125 % and that he could only get us a 4.25 % rate.
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This was a bait-and-switch, as he twice clearly promised us a lower rate only to re-neg on it as we got closer to the closing date of the home purchase.
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Chain of events ( all dates in 2017 ) :  XX/XX/XXXX  - My wife and I get a pre-approval from a Citizens ' Bank Mortgage Loan Officer ( MLO ) to make an offer to purchase a home. The pre-approval rate is 4.125 %, but the officer says he is sure he can get us 4 %.
3/6 - Our offer is accepted.
 XX/XX/XXXX  - We send the MLO all requested documents to process the loan.
 XX/XX/XXXX  - MLO calls and informs me that he could not get the 4 % rate he said he was sure he could get, and that he could get us a 4.125 % rate with some lender credits to make up some of the difference. We decide to continue with the mortgage process. XX/XX/XXXX  - Bank sends us a letter stating that our rate will be 4.25 %. I emailed the MLO to ask what happened, as he had previously said he had locked us in at 4.125 %. He said that he had been unable to get the 4.125 % with my credit history ( which is excellent, my credit score is 750+ ).
 XX/XX/XXXX  - MLO asked for my wife 's credit history to see if that would get us the lower rate. He later emailed saying that her credit history would definitely get us the 4.125 % mortgage.
- This should n't have been necessary, as he told us that he had locked us at 4.125 % without my wife 's credit history, but we continued because the closing date (  XX/XX/XXXX  ) was approaching soon and we did n't want to switch banks.
 XX/XX/XXXX  - Over email, MLO again confirms that we would be getting the 4.125 % rate.
 XX/XX/XXXX  - MLO asks me to change my wife 's status on our credit card from " Authorized '' to " Joint ''.
 XX/XX/XXXX  - MLO asks for my wife 's   XXXX   and  XXXX  W2s. We provide them.
 XX/XX/XXXX  - MLO emails and says that he was unable to get the 4.125 % rate that he had promised and that we would have to take a 4.25 % rate. The closing date was scheduled for  XX/XX/XXXX , so this was just under 4 weeks before the closing date.
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After this, I complained to the branch manager, asked the seller to move the closing date back and began negotiating with other banks. Based on the above chain of events, I did not trust the Citizens MLO to accurately give me a loan rate, and we finished the mortgage with a different bank.
Consumer complaint received 2024-11-26
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

CITI-M/C Double Rewards Account opened : XX/XX/XXXX . We never had a purchase of {$3.00}, & they never showed it as an unpaid balance forward. Since we pay off all purchases listed each month, this had to be their math error or ours. SEE ATTACHED : Our  XX/XX/XXXX summary history review letter. & Their  XX/XX/XXXX  response letter plus copies past 3 moths of statements.
We have spent countless hours & effort through their secure message site & on the phone trying to clarify when, where & how this amount appeared without an honest direct concise response to our question from them. Citi 's customer service representatives rarely include a name on their correspondence, making it difficult for follow-up to whomever responded to our inquiries. { Note : Also missing on their  XX/XX/XXXX  response letter. } We felt the only way to get issue cleared up was to stop using their card for purchases, which we did before  XX/XX/XXXX  cut-off plus being unaware they would be charging interest on same. Interest on interest in   XXXX    was the last straw, prompting closing our account on  XX/XX/XXXX . Their  XX/XX/XXXX  billing just received, failed to mention our {$8.00} balance due us in our Reward Account or even the fact it is a Closing Bill.
Consumer complaint received 2017-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (PA)

On  XXXX   XXXX ,    2017  I was mislead into paying a past debt for  XXXX   XXXX   XXXX . I was told by the collection representative if the account is paid in full it would be deleted from my credit report with in 30days. I have called several times and was treated rude and disrespectful and was told they could not remove this for 7yrs. This company refused to remove this paid debt from my credit report. I also spoke w ith the manger at  XXXX   XXXX  company who stated she would submit a reques t to Credit protection to have this debt removed from my credit report. I have contacted both   companies several times and nothing has been done.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IL)

I received  an American Express  giftcard as a wedding gift about a year ago. I went to use the card today, and the balance was  XXXX . I checked the transaction log online, and it was used in California during several transactions, and now the balance is  XXXX . The card was never out of my possession, and I was not in California at that time.  <P/> I calle d American Express a nd they told me there was nothing they could do about it. I would have to contact each merchant individually and hope they reversed the transactio n. American Express ref used to help me. I will never buy a giftcard from them again.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said that one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Consumer complaint received 2024-11-25
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)

The following accounts are reporting erroneously on my credit and I suspect it's the product of identity theft, I disputed this once already the accounts are as follows : XXXX XXXX XXXX- {$890.00} XXXX XXXX XXXX {$700.00} XXXX XXXX- {$700.00} XXXX XXXX- {$340.00} XXXX XXXX  XXXX {$9700.00} XXXX and XXXX XXXX are reporting the same account. This should not be reporting twice.
Consumer complaint received 2016-06-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: URS Holding, LLC (CA)

I have student loans that I 'm repaying to XXXX. They changed their loan repayment service to XXXX for XXXX of my loans and the other XXXX remained with XXXX. I was not aware of these remaining XXXX loans and so they were defaulted for about a year. I never received any communications regarding these XXXX remaining loans. All my student loans are currently in repayment via XXXX and XXXX XXXX and I have excellent repayment history and credit. However, I was contacted by Enterprise Recovery Systems regarding these defaulted loans XX/XX/XXXX. In a show of good faith, on XXXX XXXX 2016, I paid them {$12000.00} as a lump sum ( $ XXXX/month for each monthly payment missed ) and set my monthly payments to auto-deduct from my bank account for $ XXXX/month. I was reviewing my statement last week and noted a {$20000.00} collections fees imposed by Enterprise on my account. The balance on the account in addition to the collections fees is about {$86000.00}. I tried to call and discuss with them that I was unaware of the defaulted loans, no contact was made with me for a whole year regarding these defaulted loans, and I made a large payment of good faith, more than I could probably afford. They referred me to XXXX, who was very upset that Enterprise had n't contacted them directly about this issue and they said they 'd look into it. I have n't yet heard any updates. And Enterprise has called me 5 times in the past two hours from XXXX different phone numbers and they 're telling me the only way to get the collections fees of {$20000.00} taken off is to make larger payments on the principal balance. I keep telling them I can not afford to do so given my other student loans. Now, I am a recipient of the XXXX XXXX XXXX award given out by the California state government. This is to help pay off my loans. This shows that I am in good standing with ALL my loans with regard to repayment. This in my opinion is harassment by Enterprise Recovery Systems with regard to pursuing more repayment but also the collections fees of {$20000.00} does n't seem like it would be legal.
Consumer complaint received 2017-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX   XXXX   - I overdrafted on my checking account, so I called Fifth Third and signed up for overdraft protection on my account that was connected to my Fifth Third credit card.
<P/>   XXXX   XXXX   - I overdrafted on my checking once more and was charged an overdraft fee, so I called and they said I never signed up for overdraft protection, so they signed me up for it once more.
<P/>   XXXX   XXXX   - The same thing happened. I was charged with an overdraft fee once more, so they set me up with overdraft protection again. I then filed a complaint with the CFPB. They reply letter from Fifth Third lied and said that I denied overdraft protection from the bank.
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  XXXX   XXXX   - Again, I was charged an overdraft fee. I called, they said there was an error with signing me up so they had to set me up with overdraft protection again.
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  XXXX   XXXX   XXXX   - I once more was charged for overdraft fees and I called and they again said there was an error setting up my overdraft protection and they said there is nothing they can do for me because they do n't have anything on file of me signing up for overdraft protection.
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This has gone on for well before last  XXXX . Fifth Third has constantly charged me with erroneous fees that they ca n't explain and I 'm stuck paying for them. I will be switching banks in the next few months once I close my business, but I want these errors and constant fees to be reimbursed. Whether its ignorance on their part or straight up trying to get away with charging fees when they should n't, I should n't have to pay for their issues.
Consumer complaint received 2016-10-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

We were approved for a Home Affordable Loan Modification trial period plan by Ocwen on or around XXXX XXXX, XXXX. The details of the loan are as follows : * 3 monthly trial payments of {$3200.00} due on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX * Payment for Escrow, ( where permitted by law ), including real estate taxes, insurance premiums and other fees, if any, of {$1400.00}. 
* 2 % for life of the loan * Balloon payment due of {$380000.00} - XXXX * New Unpaid Principal balance is {$580000.00} We were told by our relationship manager, XXXX XXXX, who is part of Ocwen 's litigation department, that our loan would have to be escrowed as part of the HAMP Trial Payment Plan. Our original mortgage was not escrowed and we have remained current on our property taxes and home owner 's insurance since XXXX till current. According to the documents provided by Ocwen, part of the trial payment is to be for taxes and insurance. I received a mortgage account statement from Ocwen that states {$0.00} of the trial payment was applied to taxes and insurance. Per the mortgage account statement {$390.00} was applied to the Principal, {$2700.00} for Interest and {$24.00} applied to " Unapplied Funds ''. Our original mortgage payment to Ocwen was {$3100.00}. Seems our 1st trial payment was applied based on our original loan payment of {$3100.00} and not on the trial payment plan of {$3200.00}, in which {$1400.00} was to be applied for Escrow ( Tax & Insurance ). As you can see from the mortgage account statement, {$0.00} was applied to Escrow ( Taxes & Insurance ). 
Also, Ocwen received our first payment of {$3200.00} on XXXX XXXX, XXXX, but I received a mortgage account statement yesterday with a statement date of XXXX XXXX, XXXX in the mail that states payment is " due now ''
Consumer complaint received 2016-08-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (WA)

I purchased a car in XXXX, which was financed with Flagship. When my first payment was due I established a user name and password on their website to process my payment. I processed the first 4 payments online without any issue. Then sometime after that I missed my payment by 5 days, which I requested to have my payment changed to the last day of the month, as that is when I get paid, and Flagship informed me that it is their policy to not accept any payments between the XXXX and XXXX, as I tried to login to make a payment I received a message that my login for online banking did not exist and I needed to call customer service. I called customer service and was informed that customers that are 1 day late are locked out and have to call customer service to make a payment. The caveat to making a payment with customer service, is you have to pay a {$10.00} processing fee. Now I realize I was late, however, most banks do give some type of grace period and even if there is a late fee you are not locked out of online payments. Recently Flagship changed the way they allow you to process payments. Now you have to login through the XXXX portal ( one option anyway ) and pay {$2.00} to process any payment. You no longer can just login and make a payment online with out some type of processing fee. It seems unfair that Flagship charges a fee regardless if your payment is on time to use they online system and if you call to make a payment, you no longer have to pay {$10.00}, but you have to pay the {$2.00}. If you elect to have reoccurring payments automatically out of your account there is no processing fee. So basically unless you sign up for reoccurring payments, you pay a fee to make a payment. 

Is it legal for Flagship to lockdown the XXXX - XXXX ( XXXX ) for payments? 
Is it legal or fair for Flagship to charge a fee for online and telephone payments? 
Is it legal or fair for Flagship to lockdown access to online payment processing when you are one day past due? 
Was it fair for Flagship to remove the option of making an online payment without having to pay any fee? 
I would like Flagship 's policies and procedures and reviewed for appropriateness. I feel this is unfair and deceptive acts and taking advantage of consumers with less than perfect credit.