davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOEING EMPLOYEES CREDIT UNION (CT)

In XX/XX/2017 Becu called me saying there was suspicious activity on my card and needed to get into my account to look at it so they asked for my log in info, full name and debit card number and this was about a week prior to the incident. 

My grandmother sends me money on a regular basis to help me with funds since Im alone most of the time while my husband is gone all the time for work because he is XXXX. I had no idea that the funds in my account were from some other source. Iwas in shock and in tears to see my account overdrawn in the thousands and that someone logged possibly stole my information. I also saw in my account that someone logged in on XXXX XXXX and that is when i panicked and called in because I dont know anyone of that name nor would i log in to my bank on someone elses phone. The woman on the phone made me uncomfortable and made me feel as if it was all my fault. She would not provide me with details on how my account was compromised or what had happened. Ive been so scared about this situation because i have little to no money to repay at this time but i dont want my credit to be horribly affected by this especially at my age. 

On XX/XX/XXXX I received a letter from BECU stating that my account has been sent to Loan Loss Recovery for collections and they will take whatever actions necessary. It also states that i will incur additional collection costs, including but not limited to, court costs and attorney fees. They also stated that they may report information to the credit bureaus. 

My grandmother will also be trying to help me on the situation and taking legal action since me and my husband are stationed 3,000 miles away but i was told to report this to Consumer Financial Protection Beauru first.
Consumer complaint received 2018-06-26
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018
Consumer complaint received 2018-05-26
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. (GA)

Experian has bee reporting false account information against my FCRA 15 USC 1681 rights. I have disputed multiple times and even mailed in documents and they still have refused to remove and delete this information. 

I had a mortgage that was with XXXX XXXX. XXXX XXXX sold the loan to XXXX   XXXX and both are the same loan account reporting. My last payment to XXXX was XX/XX/XXXX and according to 605 15 USC 1681 ( a ) ( 4 ) any account older than 7 years should be removed. On XX/XX/XXXX Experian erased the pay history payment information to allow the account to remain on my account. Experian also erased the Credit Limit amount and other key account details in order to keep XXXX on my account also. 

Experian also changed information on the XXXX XXXX account around with out deleting the account due to FCRA violations. When I asked them to investigate and remove this account Experian also changed the payment dates and amounts around in order to let the account remain. 

The XXXX XXXX and XXXX XXXX account have violated many rules according to the FCRA these are reporting incomplete and inaccurate in many ways and should be deleted immediately. 

FCRA VIolations 606 15 USC 1681 ( a ) ( 4 ) 606 15 USC 1681 ( c ) 606 15 USC 1681 ( e ) 606 15 USC 1681 ( d ) 611 15 USC 1681 ( i )
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CO)

Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. 

I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. 

I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. 

If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MO)

I asked Flagstar in late XX/XX/XXXX before they referred the matter to their attorney 's office if there was any issues and their call center rep. advised as long as I paid it I can disregard their notices. I advised that I kept my money order receipts. In XX/XX/XXXX I got a letter from Flagstar 's attorney 's office, XXXX XXXX of XXXX XXXX, KS, advising of an intent to foreclose. After speaking with a different Flagstar rep. I discovered money order missing and not applied. I had to send some money orders TWICE because they returned the money orders back to me stating the account is past due so they can not accept my payment. I believe this was done to intentionally make it difficult to get out of foreclosure status. The only problem with that foolish explanation is ; how is anyone to pay you money they owe if you send it back? Payments made after these actions have been applied and accepted UNTIL RECENTLY. Flagstar currently has {$1300.00} of money order in their possession that have not applied, nor returned, nor sent to their attorney 's office for my account to be credited. Only when I called Flagstar on XX/XX/2018 did a supervisor finally advise they can't take my payments because it's been referred to their attorney 's office. He refused to comment on what happened to my {$1300.00}, or where to send my payment. I do have the funds to get out of foreclosure ; however, Flagstar seems to be INTENTIONALLY making it difficult. AND there is still the issue of the missing {$1300.00}. I suspect Flagstar is making it difficult because the loan is only {$61000.00} but the equity of the home has brought the value to {$85000.00}. Regardless of the value, it's unfair to consumers to give them the run around, take their money and not apply money after the company has taken it. Furthermore, because of Flagstar 's inconsistency in taking and applying payments I have had to certify mail things at my own expense only for Flagstar to not apply payments AND not return the money.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

These two companies were filed on a bankruptcy and not removed frm my credit report : 1. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XX/XX/XXXX XXXX -- XXXX XXXX XXXX-XXXX  -- XXXX XXXX XXXX Court -- XXXX XXXX Court, XXXX XXXX 2. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX county court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX DISC case # XXXX Filed -- XX/XX/XXXXXXXX -- XX/XX/XXXX ATTY -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX  Court-Federal District Court CASE # XXXX and CASE # XXXX are still on my credit report and need to be removed so I may purchase housing.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

My account was closed the day I made a payment, it was a payment to pay the past due after a rep said that was all I had to pay, so I called and a manager reopened the account. At that time a new card was reissued and I was told that I needed to call back and pay the balance after the new card was received. well the new card was never received, I've called several times to get the new card or pay the balance but was told by several reps that I could not pay until the new card was received and that was since XXXX. Yesterday XXXX I found out that the account was closed again so now I'm confused. I was told it was reclosed due to non payment, but Citi AAdvantage reps would not take the payment until I had the new card. My account is aging because the payment and new card situation. I am being unfairly treated. I asked the supervisor to listen to the recorded conversation where I was denied the payment being taken until the new card was given. My credit is being hurt due to the aging
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for SANTANDER CONSUMER USA to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK (OK)

To Whom it may concern, On XX/XX/2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XX/XX/XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XX/XX/XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name XXXX into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday XX/XX/XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have several ongoing issues regarding my credit report that I am trying to resolve, including many incorrect account details. While attempting to log in to review these continuing mistakes on my report, Transunion has now denied me access to my report via their website. I have attempted logging my many times via their website and my login credentials to no avail. This is ridiculous, I should be able to have access to MY information to continue disputing mistakes and ensuring that my report is 100 % accurate and complete! 

I have attached a screenshot of the error message I receive after each failed attempt to login to dispute my ongoing mistakes.
Consumer complaint received 2018-06-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (SC)

I am filing a complaint against MEDICAL DATA SYSTEMS I a medical debt collector and XXXX, XXXX  and XXXX   Credit reporting agencies. The complaint involves MEDICAL DATA SYSTEMS I reporting a collection on my credit report knowing that the Insurance company XXXX XXXX XXXX XXXX is responsible for the unpaid medical bill. I have contacted XXXX XXXX XXXX XXXX and they have confirmed that I have insurance and that they will pay the bill once received from MEDICAL DATA SYSTEMS I/XXXX XXXX. I have also contacted MEDICAL DATA SYSTEMS I and they agreed that the bill would be placed back in their insurance division and not collections. 

I filed a dispute with XXXX, XXXX and XXXX  explaining that this bill should not be a collection because the insurance company has agreed to pay the amount of {$2200.00} for a medical bill that is covered under my insurance. 

MEDICAL DATA SYSTEMS I reported again that the bill was a collection, knowing that they had been in contact with XXXX XXXX XXXX XXXX and they verified that insurance would pay the bill. 
MEDICAL DATA SYSTEMS I is fraudulently reporting information to the credit bureaus that they know is incorrect. I am requesting to have this derogatory information removed from my credit report. I also want to add XXXX, XXXX and XXXX to this complaint for willingly participating in this fraud. I have attached a letter from XXXX XXXX XXXX XXXX confirming the mistake and pending payment
Consumer complaint received 2018-05-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I have spoken to Bank Of America over the phone asking why they had closed my account years ago putting suspected fraud activity on my ( XXXX ) XXXX XXXX XXXX credit report and XXXX   XXXX report, And they had told me they do not need to give me that information they told me they do not need to tell me anything of why account was closed Then i sent them a letter to see if i get a response about the account they forwarded to the credit department and i got a letter stating that they did a investigation and everything is correct but i had sent a letter to ask for reason of closure.
Consumer complaint received 2018-06-26
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. (CO)

Equifax continues to publish inaccurate information They were provided with a police report and various statements. Drivers License and Social Security card. I have continued to dispute various credit which was covered by identity fraud. I have never lived in Georgia. XXXX XXXX accounts are not mine.
Consumer complaint received 2018-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (WA)

My servicer is Granite State Management Resources ( GSMR ). First, they removed the checkbox for " Do not advance payment date '' from the online payment interface, so that overpayments were automatically applied to future payments, rather than to reducing principal. In order to access the option, you had to make a double payment. Then, the removed the box altogether, even for more than double payments. In order to have your payment applied to principal, you had to follow up with an email through their online " Contact Us '' form. Then, several days later, they would reapply the payment to principal. They did not allow you to make this a permanent request, you had to follow up after every payment. After making my payment today, I attempted to follow up online through their website, but the online contact form is now gone. You have to follow up by phone ( M-F, XXXX XXXX ; conveniently, I am on XXXX ), mail, fax, or they now have a " Visit Us! '' option with an address in New Hampshire. Really?! This is ridiculous. I have been trying to pay off my loans as soon as possible, but GSMR keeps increasing the difficulty to do so. When I have spoken with the servicer on the phone, I have always questioned these changes, and requested that they reinstitute the options that make repayment easier and simpler. They are not interested in this feedback.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc. (NC)

I am unemployed and could n't afford house insurance so the mortgage company applied insurance for me. They made it sound like they were helping me but when i let them go ahead with their insurance is when the problems accumilated. The insurance is 150 % more in price than the lapsed insurance. They did not state the amount until it was applied and did n't tell me it would be added on to my mortgage payment. The loan is only {$80000.00} and the house is est. at {$160000.00} value. The policy they took out is for {$200000.00} and the premium is more than mortgage payment. They would not take any partial payments that i tried to make even though their letters explains any partial payments may be deducted from new mortgage payment or held in suspense and not deemed as a cure but they would n't take any of my repeated partial payment attempts. Now there is several late fees, and other charges accumalted. A {$420.00} loan payment has ballooned to a {$2900.00} payment in just 2 moths. They are now sending letters of when they can start their forclosure act. The new insurance payment that was put on top of my loan payment is {$450.00} monthly and does n't cover any of my personal belongings. Please HELP, i aslo have joint custody of XXXX children. I need help because i have tried to negotiate with them but they will not help me resolve this matter.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

On my credit report, my vehicle loan is showing as delinquent despite the fact that my account is current. The company claims they were unable to withdraw funds from my bank account which led to the late payment in XX/XX/2017 yet my banking information has been on file with XXXX XXXX XXXX since XX/XX/2017 and no changes have been made to my account that would lead to the payment not going through. The bank has informed me that the payment should have gone through and that an error could have been made on XXXX 's side that prevented the payment from going through. I have attempted to resolve this issue with XXXX several times to no avail. As a result of this error, my account is showing as delinquent although all payments have been made and information regarding payments has still not been reported. This appears to be a common issue with XXXX and I am hoping for a resolution.
Consumer complaint received 2018-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a credit collections report for XXXX XXXX and the State of Texas shows the company committed licensing fraud on my account and the State gave me the option to return the vehicle, so I did the credit report you refused to fix after sending proof of the information so XXXX XXXX shows it as a repossession and its a lie I proved it and Transunion refused to let me dispute the matter.
Consumer complaint received 2018-05-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Sent : XX/XX/XXXX To : CFPB Subject : Having problems with XXXX XXXX XXXX My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of XXXX XXXX XXXX, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ XXXX monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to XXXX XXXX. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX