davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-31
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: CORELOGIC INC (NV)

XXXX a company consumer reporting agency located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has false information reporting thereto third parties such as XXXX XXXX and other agencies whom stated that they found negative reporting and could not fund our loan. This information is unknown and is falsely reported. I have never heard of XXXX until XX/XX/XXXX. They had my birthday ten years older than what i am and one day removed from my original birth date. Something is very strange with this information they posted. XXXX XXXX denied us after we went over the information due to some unknown issues newly found. XXXX and XXXX XXXX working together. XXXX { XXXX  } has been harassing us since they alleged to have acquired a loan from the FDIC on XX/XX/XXXX. At the same time i, was battling to regain my investment with XXXX XXXX XXXX XXXX so that is how this began.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NM)

Have had this credit card for over 1 year, made all payments on time and usually above minimum due. Recently made XXXX dollar payment well above what was due just to catch up on balance. At this point had 600 plus dollars available credit on this account. Went to use card and was denied at gas station. Called TJ MAXX CREDIT CARD and was told that over night they decreased my credit limit and had no reason that they could come up with as to why this happened. Was completely blind sided by company I thought I was in good standing with.
Consumer complaint received 2018-05-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2018, i authorized an amount of {$91000.00} from my savings account be sent via international wire transfer through my bank ( TD bank ), but the recipient is yet to receive the funds after three weeks. I tried to resolve this issue by submitting all documents requested, three subsequent visits to the bank and a countless phone calls but all to no avail. My question is, if there isn't any hold up as one of the reps told me yesterday, why are they holding the remittance when my family are in desperate need of it? Any help from you will be greatly appreciated. Many thanks!!!
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I have been requesting for my PMI insurance to be removed since XX/XX/XXXX. Followed all the written requests and have tried on a monthly basis to get my request approved with no action from the mortgage company. 

I was told that in order to pursue my PMI removal request, that I would have to pay for the appraisal fee which I did pay for. This request was completed on XX/XX/XXXX and I was told by the underwriting department that a refund would be returned due to insignificant home improvements did not meet the guidelines of my appraisal request. 

I attempted to work directly with the loan company which continues to give me the run around and I am know filing this formal complaint. Copy of the last correspondence is attached below : XXXX XXXX. 

After review : your upgrades do not meet investor requirements as Significant enough to increase the market value of the home. 
After XX/XX/XXXX your loan will be over 2 years old and significant upgrades will not be required. 

Your appraisal fee of {$420.00} will be refunded. 

Thank you XXXX XXXX Escrow Tax Specialist Escrow Department XXXX , XXXX XXXX That Exceeds Expectations O : XXXX XXXX : XXXX | XXXX : XXXX A : | XXXX, FL XXXX | NMLS # XXXX
Consumer complaint received 2018-05-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

Planet Home Lending ( XXXX XXXX XXXX XXXX ) is company I have a VA loan with on my old house. They offered me a great va refi rate in the fall of 2016 and I agreed to refi. They were already servicing my loan up to that point as well. I submitted everything in a timely matter and I was told not to pay XX/XX/2016.  Then they closed that account to start a new account with the new rate. While this was going on, their was no communication within their own company that I was doing a refi and they reported that I did not pay XX/XX/2016 and now Im dinged with a 30 day late payment. I called them and emailed them about this multiple times with no resolution. As Im checking my credit right now, I see that blemish on my record and this is not my fault, but theirs. They incorrectly reported me as delinquent and they need to fix this.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: JPMORGAN CHASE & CO. (MD)

I made a request for a copy of the online application filled out online to get this credit card XX/XX/2018.

I did not receive.

May I have a copy of my application filled out online to get this credit card?
Consumer complaint received 2018-05-31
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. (MI)

Equifax is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and XXXX. I would like a full investigation into this accounts.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

I was approached by Wells Fargo during a university 's new student orientation day in XX/XX/XXXX. I opened a checking and a credit card accounts in XX/XX/XXXX. A college credit card had a limit of {$1000.00}. After two years, I called Wells Fargo to see if that credit limit can be increased. I was still a college student at this point. The customer representative said yes. After few minutes he said now you have a credit card with {$5000.00} limit. And I said, there must have been a confusion I just want to increase the limit of the current card I hold. The customer service representative said he could not increase the college credit card because it was a college credit card and had a limit of {$1000.00}. So in XX/XX/XXXX Wells Fargo opened a flexible spending credit card under my name without my permission. Now from what I hear Wells Fargo has been doing, I also am a victim of their fraud. Since Wells Fargo is my first bank, it's hard to close my bank account with them without having my credit downgraded. There should be a policy where credit card opened without your consent, your credit score should not be hurt. I urge Wells Fargo 's practice to college students to be closely reexamined.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

for the past 2 years I constantly received phone calls from a company XXXX XXXX XXXX XXXX claiming I owe Toyota {$31000.00}. 

I actually was/did have a dispute with Toyota about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with toyota, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) Toyota told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe toyota {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with Toyota. 


Yesterday I though I'm going to have a heart attach, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm XXXX XXXX XXXX XXXX which was the plaintiff for Toyota. 


How can such a thing happen, and how can they get away with this!!

# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served?

# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be  {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau (UT)

KAB also known as Knights Adjustment Bureau has been informed to cease and desist contacting my telephone and to send correspondence only by mail, yet have reached out to me after being informed they would received an affidavit with a follow letter by certified mail with GREEN reciept of the police report. The XXXX has to finish the identity theft investigation after all fraud and identity theft investigations have been completed as instructed by the detective working on the case. KAB has failed to respect under federal law the " Fraud victim Bills of Rights '' which they have obviously failed to comply to so far. I informed KAB recently that I would get the CFPB involved since they feel they are above the Law in this matter.
Consumer complaint received 2018-05-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Penn Credit Corporation (PA)

Had a doc visit from XX/XX/2017. Had a XXXX copay tried to use my health savings card but Reilized it was expired. So I payed cash to the office which is part of XXXX XXXX. 
They have threatened jail time. Law suits, use very profane words when I attempted to contact them. 
I have spoken to XXXX XXXX about this and their billing told me it was paid by cash. And why am I calling them.
Consumer complaint received 2018-05-31
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. (MA)

I have sent 3 rounds of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. 

The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. 
The information need to be verified via XXXX XXXX. 

I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. 

However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. 

Please help get this corrected. 
Thank you
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I have attempted to get these 2 credit inquiries from XXXX off of my credit report the dates for the inquiries are XX/XX/2017 and XX/XX/2017. I disputed them XX/XX/2017 with XXXX and the credit bureaus. XXXX stated they do not have any inquiries in their system for those dates. I disputed them with all three bureaus and they stated it was accurate and to contact the creditor. I contacted the creditor prior to disputing with the credit reporting agencies they have no record of the inquiries. I am tired of going back and forth with these credit bureau agencies and I want these inquiries removed. I spoke with XXXX exec off speaking with XXXX XXXX at XXXX and he handles escalated situations and he informed me that the two inquiries are not in there system so there is nothing for XXXX to dispute on there end.
Consumer complaint received 2018-05-30
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: SYNCHRONY FINANCIAL (IL)

I was reviewing my credit history with an advisor and seem to have a hard inquiry from a company that i've never heard of or been affiliated with. The company pulled my information on XX/XX/2017. The company is XXXX  in XXXX, FL XXXX. Phone line is ( XXXX ) XXXX-XXXX. Upon further investigation in my records, this is fraudulent activity.
Consumer complaint received 2018-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

I have a student loan with navient. The loan is in charge/off status due to none payment. In XX/XX/XXXX I talked to a customer service representative and gave a {$1200.00} payment. Then after I make two {$42.00} a month until account is settled. The customer service rep assured me that this account which was opened in 2004 would be deleted from credit report. This has not happened yet .I even sent a goodwill letter to the company and they still will not do what was promised to me.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP (IL)

On XX/XX/ I opened an account at the bank in WI with the offer which was sent to my address. According to the offer the savings account should be opened for at least 90 days and funded with XXXX. This was met my mid XXXX however the {$200.00} bonus to be credited to account was not there. 
When I called the customer service phone number given to me at the branch XXXX the CSR told me that she's unfamiliar with the offer and the product listed. I then was transferred to the supervisor who told me that the branch manager who opened the account did not put a proper code indicating the offer to begin with. 
When I called a branch I was told that the manager who opened an account is not present and will be available next week. 
Here are two issues : 1 ) why is the Associated Bank so unprofessional in its performance when first the employees are not properly trained to recognize their own products and the offers? 
2 ) Why the branch manager in XXXX XXXX, WI who opened the account did not put a proper code to the account? Was it a simple oversight or on purpose to make sure the offer is not fulfilled? 

It is my impression now that I am required to get myself involved in a long administrative process to finally get the {$200.00} bonus applied which is very inappropriate and tiresome as I am traveling out of the country for extended stay soon. 
This is not the way to treat customers.
Consumer complaint received 2018-05-31
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Response Letter : XX/XX/XXXX, XXXX CFPB File # XXXX In with regards to your response to your letter on XX/XX/XXXX I did not apply or fill out any credit application XX/XX/XXXX for no loan with no XXXX threw no Capital One. I Financed a car in XXXX XXXX and made my first payment in XX/XX/XXXX for {$570.00} so how is it I have credit ran on XX/XX/XXXX & XX/XX/XXXX Because I did not authorize nor apply or give permission to Capital One to obtain or run credit. XXXX on XX/XX/XXXX I was renting a car so how does Capital One send me a letter as if I was or buying a car from XXXX. Capital One needs to provide documentation of such with my signature as well as the credit application with my signature as proof. 
Only time I applied for credit was in the moth of XX/XX/XXXX to XXXX of the XXXX XXXX and when I applied I instructed to only run the credit to Capital one Bank & XXXX XXXX  & The GM suggested to me I could Finance threw XXXX if I wanted to and no other credit was ran. I change my mind and did not want the car and decided to wait. XX/XX/XXXX no credit applied for to no Capital One Then Capital One has XX/XX/XXXX so why was credit ran on XX/XX/XXXX and I just got approved in XXXX and took a loan out threw Capital One and made my first payment to Capital One in XX/XX/XXXX so why was Capital One running credit on XX/XX/XXXX with out my permission and I did not apply for no credit by no one until XX/XX/XXXX I see fraud committed and unless there is documented proof of such transaction with my signature documented its fraud on Capital One because I see that my self. I don't want to here nothing from Capital One in words unless documented proof is provided and documents to support there claim as if I applied for credit on those days stated by Capital One.
Consumer complaint received 2018-05-31
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. (NY)

I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point. 

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % XXXX XXXX
Consumer complaint received 2018-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

XXXX XXXX XXXX took over servicing our bank of America mortgage last XX/XX/XXXX. We were 2 months behind at that time .They XXXX  would take weeks to process payments never went any more than the 2 months behind. Was always sending alittle more to build unapplied funds to catch up, but they always seemed to change monthly amount owed. In XX/XX/XXXXpayed payment, later to find out they never applied that payment. Sent the next months payment and they sent it back, stating to send cashiers check, I sent a cashiers check for XXXX   and then they would not apply that. Then I called they said sorry your no in foreclosure process. Had they applied any of these payments to the account it would have never went so far behind. I have copies of the check and cashiers check. This company intentionally did this to make this happen
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.