davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IN)

In XX/XX/2019, we noticed that we were not able to access our HELOC account at US Bank, even though we could access our primary mortgage. Furthermore, while we received a paper mortgage statement for my primary mortgage, we never received a paper statement for the HELOC. This was a change when we refinanced 36 months ago, where we used to getting paper statements for both, as well as have on-line access to both accounts. This is important because, after refinancing, our HELOC payment changed due dates, from the first of the month ( like our mortgage ) to the XXXX of each month. This caused us to be habitually late on the HELOC mortgage, even  though we never knew we were late. The late fees were covered by us paying more than the minimum amount every month ( again, we had no idea this was even going on so didn't know we had late fees or that they were covered by overpaying ). We only identified the issue because we inquired about our adjustable rate on the HELOC, and as we spoke on the phone with customer service, they discovered we didn't have access to the HELOC account. Once they gave us access, we noticed all the late fees and that US Bank had also shut down the HELOC so we could not access the monies, which is why we set this up initially. When we asked for them to reconsider and review, we were told by the branch in XXXX, IN that they could not do anything, and that it was the responsibility of the borrower to ask for the statement if they weren't coming. We double checked with US Bank customer service and they confirmed that we were supposed to receive a paper bill, but we still are not getting them. This has not only created over a dozen late fee charges, but also affected our credit report negatively. Isn't it against the law to not send paper invoices ( when requested, up front ) and charge late fees without notification?
Consumer complaint received 2019-05-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

After submitting a dispute to Equifax, I am unable to receive the results. I received an email stating that my dispute had " been completed, '' with a link to a website. When I logged into the website, I received an error message stating that the site was " unable to complete this action at this time. '' I tried this four times on four separate dates. On the fifth try, I received a message saying " it looks like we need more information '' and directing me to call a phone number. When I have tried to access the dispute results through Equifax 's telephone system, it brings me to a pre-recorded message stating that " the results have either been mailed to your home or posted online on our dispute resolution site. '' There is no option to speak to an operator, and the results have not been mailed to my home. It seems that Equifax does not actually have a functioning system to inform consumers of their dispute results.
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information? 

3. What is your authorization of law for your collection of this alleged debt? 

4. Please evidence your authorization to do business or operate in this state. 

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-07-15
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. (TX)

none of the credit bureau have my number on the fraud alert XXXX aslo XXXX XXXX is not showing on my get credit with experian it showed before and XXXX XXXX also Experian XXXX taking more than 30 days for my dispute and experian wont let me look at my credit even when i tried paying
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I am currently trying to purchase a vehicle and have security freezes on my credit with all three reporting agencies. I used the Experian website yesterday ( XX/XX/19 ) to lift my credit freeze temporarily and the site indicated this was successful. The dealership was still not able to access my credit score with Experian. I checked the website again today ( XX/XX/19 ) and it indicated that the freeze had been lifted, but again the dealership could not access the score. I called customer service and the agent said that he found the issue and would submit a form correcting it in 3-5 days. When I asked what the issue was he refused to tell me, saying it was nothing to worry about and would be fixed soon. I asked if it had to do with fraud or something that would impact my credit score and  he said it was something to do with a lender, but refused to say more. I asked why he could not tell me given that is pertaining to my credit information. He said that it was due to the policies of Experian. I think it is very troubling that Experian refuses to grant me information about my own credit record. This is my information, not theirs, and I can only think that they are trying to hide someone's mistake. These reporting agencies have far too much power and little competition. I have no choice but to allow them to have my personal and important financial information, but if I did have a choice I would revoke access from companies that do not protect my information or are not providing me full access and understanding of what is going on with my credit.
Consumer complaint received 2019-05-17
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. (IN)

Im reviewing my credit card statements for the past three months. My overall balance is decreasing, but the interest charges are going up every month. For XX/XX/XXXX the balance is {$300.00} higher than the XX/XX/XXXX statement, but the interest charges for XX/XX/XXXX are {$5.00} more.
Consumer complaint received 2019-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (WI)

SoFi heavily solicited me with a " pre-approved '' offer of a loan for {$50000.00}. I finally accepted their pre-approval and submitted the requested documentation to prove identity and income. Shortly after discovering I was XXXX XXXX through means of my driver 's license the company denied my loan citing an inability to verify my income. I have worked for the same company for well over a year, the company did not ask me to provide additional documents or even give me a chance to " verify '' my income. When I called to have a more detailed description of the reason for denial the representative thought the denial reason was " odd '' and said so directly. I personally know of other well qualified high earning XXXX XXXX that received pre-approvals and were then " denied '' mysteriously from this company after their identity was verified. It is my strong belief that this company discriminates against XXXX XXXX. When I asked for how they determined my income could not be " verified '' they refused to release the name of any agency or consumer reporting agency that they based their decision off of. They wrongly justified their position of not releasing the agency used to make their decision as proprietary information, despite the fair credit reporting act specifying otherwise. There unethical lending practices lured me into applying for a loan product with them, leading to a hard inquiry on my credit which has prevented me from securing the loan I need with a more reputable lender.
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

Dear CFPB - I want to report TCF Bank Illinois as an institution who practices maximize the amount of fees they can charge their customers. In the agreement I signed when I first opened my checking account, I was told I have until XXXX XXXX CST to bring my account to a positive balance each business day to avoid overdraft fees. However, each night when the bank does it's nightly processing it often processes transactions that have not appeared on your account pending or otherwise and then dates them as transactions from the previous business day. Therefore, you do not have a chance to bring your account positive because this processing is done after XXXX XXXX  CST. I have spoken with my local branch manager about this practice and they defend the bank by saying that they have " no way of knowing '' what transactions are going to be processed overnight. 

Since XXXX of 2018, I have been charged {$2400.00} in fees. Both my husband and myself direct deposit our payroll checks into this account. I refer to my mobile banking app multiple times a day to make sure I am up to date on the transactions coming out of my account and funds available. However, TCF bank 's lack of transparency about all pending transactions leads to exorbitant fees. 

I would appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (NM)

For the past 7 years I have been trying to remove a debt on my credit report from XXXX from XX/XX/XXXX. It was a service that I no longer wanted and let go of but no one from XXXX would help me out. 7 years later and XXXX XXXX and XXXX were able to get it off but when I disputed it with experian, they refuse to take it off and tell me that it wont come off until XX/XX/XXXX, which is wrong because this year is the 7th year, I was told this by XXXX ( XXXX  ) and XXXX  ( the collections agency  ) that the debt would fall off the credit report this year in XX/XX/XXXX. The only reason I never paid this debt was because I felt like I was billed incorrectly and when I originally went to go resolve the issue with XXXX no one would help me. Once again, I was able to get it off XXXX XXXX and XXXX   but experian refuses! I have made 3 disputes with them and they still do nothing for me. I called XXXX ( XXXX ) themselves and 2 representatives told me that it would fall off my credit report in XX/XX/XXXX! This is the only debt Ive ever had on my credit file and the only reason its there is because I felt incorrectly billed and no one, at the time, would help me.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

online banking has been unavailable for computers since Wednesday XX/XX/2019. It is now Friday XX/XX/2019 and there is no estimate available for when it will be fixed. I filed an executive complaint with XXXX, case no.XXXX but she stated she has no access to email to send any follow up information.
Consumer complaint received 2019-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLIANT CREDIT UNION (NJ)

Alliant Credit Union continues to send me letters that I'm in breach of the terms of my agreement and threatening to raise my APR to 24 %. 

I had previously sent a email to several executives at the credit union in an attempt to clear up this matter however it appears XXXX has managed to somehow XXXX up the situation again and blame the consumer. I received two phone calls from credit union representatives and I followed their instructions. 

XXXX XXXX # XXXX proves the credit union received the information they asked for, which is the vehicle title and notarized power of attorney ( two copies ).
Consumer complaint received 2019-05-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (PA)

I paid {$5200.00} on XX/XX/XXXX to XXXX. That was past due and 1/2 of XXXX 's payment. I paid {$350.00} on XX/XX/XXXX to XXXX, that was the second half of XXXX payment. I paid {$350.00} on XX/XX/XXXX to XXXX that was the first half of XXXX. I paid {$350.00} on XX/XX/XXXX to XXXX that was the second half for XXXX. I then saw on XXXX statement that XXXX had applied {$840.00} to " attny Adv Disb '' and {$190.00} to " Corp Adv. Disp '' this is incorrect. I contacted XXXX and was told the amounts would be corrected and they would put the {$1000.00} towards the remaining {$350.00} of XXXX and the rest towards XXXX. That is {$680.00} that should of been put towards XXXX payment leaving a remaining balance of {$25.00}. I made payments of {$350.00} on XX/XX/19 and XX/XX/19 directly to Loan Care ( who took over the mortgage ), both of which have been cashed by Loan Care which is a full months payments to use for XXXX. The only remaining balance that should of been shown is {$25.00}. It was then found that XXXX also misapplied a payment received of {$350.00} by putting it towards non existing late fees. This was suppose to be corrected as well ( Loan Care is who informed me of the payment being used towards late fees, XXXX is who confirmed they had fixed it ). With that correction, it would of XXXX XXXX  out the {$25.00} and put {$320.00} towards what is due for XXXX. I have been on the phone atleast twice a week with Loan Care for the past 3 weeks trying to get this corrected still with no success. I just want it fixed so I can pay the remaining {$370.00} for XXXX and get set up on auto payments starting in XXXX.
Consumer complaint received 2019-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

Since XX/XX/2018, XXXX XXXX has been charging both our credit cards from Barclays and XXXX XXXX. However, we never used our credit cards at our local XXXX store but if any, we used cash or our XXXX debit card. There have been unauthorized charges going on for over a year which we only caught recently as they were small purchase amounts. However, this kept occurring even with cards reported as lost. Even with the new numbers XXXX was able to charge us. One charge occurred miles away from where I was sitting at dinner with friends and in possession of the card. At first, Barclays and XXXX XXXX did investigate and determine that those were fraudulent charges but since then they claim since it was used with chip cards, those charges must have been legitimate and basically tell us, the customer, that we are lying. 
We are outraged since theres no protection against the fraud and wrongful accusations.
Consumer complaint received 2019-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (TX)

I filed for bankruptcy XX/XX/2018 XXXX Sun Loan was a part of this bankruptcy and will need to be removed from my credit report and ONLY listed as an account under my bankruptcy discharge as a closed account. Please correct this issues immediately. It is my right to file a complaint for reporting false information according to the fair credit act.
Consumer complaint received 2019-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

we have a morgage with Ocwen and this company transfered or bought a company which is now taking over our account they are XXXX XXXX  they have been working on this over a month now. my payment was du on the XXXX of XXXX and it was supposed to be drafted from my bank, it has not I have called XXXX and the said they will be drafting it but never say when and they told me thatwe have up to six months to be updated without incurring any extra fees but I am worried because next month is coming and now I will have two month statements due and what if they take longer where am I gon na get the money? i have called several time and they offer no remedy so that I can get current all I want is to be able to access my account and pay my bills on time which they are not making it possible for me to do so, and OCwen did this before and it put us on a bind because of the same matter we had to come up with two month at once and a start up fee when they also changed to another account manager about four years ago if I am not mistaken on the time.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below :XX/XX/XXXX30 Days Late in XXXX XX/XX/XXXX30 Days Late in XXXX and XXXXXX/XX/XXXX 30 Days Late in XXXX  XX/XX/XXXX 30 Days Late in XXXX and XXXX XX/XX/XXXX 60 Days Late in XXXX XX/XX/XXXX 60 Days late in XXXX and XXXX XX/XX/XXXX 90 Days late in XXXX  XX/XX/XXXX 90 Days late in XXXX and XXXX XX/XX/XXXX 60 Days Late in XXXX XX/XX/XXXX 60 Days late in XXXX and XXXX XX/XX/XXXX 60 days late in XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or there are issues with the way they receive my payments.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

I purchased a XXXX prepaidi visa card on XX/XX/19 from the local XXXX XXXX, later in the day i open the package containing the card then i logged into their website and verified that the {$220.00} i had just put on the card was there. 

Aproximately an hour or so later i logged back into the site again and it showed a charge for {$220.00} and now a 0 balanced and i had not tried to use the card yet.I contacted XXXX visa and they said they would open a case and block the transaction and then provide me with a refund. 

After doing some research online i see various reports of card being purchased and shortly there after people finding that the money has been completely removed from their recently purchased cards, i also read one ariticle how cards sold in the store are having the packages opened and card numbers writtien down and cvs codes, and then the packages are being resealed with glue gun and showing no signs of every being opened, and unsuspecting consumers purchase this cards and later find out funds have been stolen.