davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO THE CFPB -- REGARDING HARD INQUIRY ANY RELATED INQUIRIES MADE WITHIN A 14 DAY TO 45 DAYS WILL COUNT AS ONE INQUIRY.THIS ALLOWS YOU TO FIND THE BEST DEAL ON A AUTO LOAN. 
THIS WAS NOT APPLIED TO ME? I FILED A COMPLAINT TO HAVE THIS CORRECTED AND I WAS TOLD " THEY CAN NOT REMOVE INFORMATION ON MY CREDIT REPORT '' WHICH I DID NOT ASK THEM TO DO. I WAS REQUESTING THAT THE RELATED INQUIRIES MADE WITHIN THE 14 TO 45 DAY PERIOD BE COUNTED CORRECTLY AND CHANGED. IF THIS IS THE RULE, WHY DOES THE CREDIT REPORTING AGENCY NOT RECOGNIZE THIS AND APPLY IT TO ME.

ALSO I MUST ADD ... .THERE SHOULD BE A LAW THAT LIMITS THE AMOUNT COMPANY 'S A CAR DEALER CAN TRY TO FIND TO FINANCE A CAR. I WOULD THINK AFTER THE FIRST 10 WITH NO LUCK ... .SHOULD BE A RED FLAG ... .SELLING A CAR TO SOMEONE WHO CA N'T AFFORD IT, SHOULD BE CONSIDERED A PREDATORY LOAN, KNOWING THEY ARE SETTING UP SOMEONE TO FAIL SHOULD BE A CRIME.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Payoff process — 
Company: BBVA FINANCIAL CORPORATION (ND)

). My work requires credit verification at times to gain employment for security reasons. The law at the time of XXXX to XXXX allowed any potential employer to conduct credit reports, and each time this occurrs the possibility of my credit score being affected adversely. So, I knew this was vital to my future success and would hurt my personal financial productivity. My creditworthiness was placed in extra focus ( XXXX ) because of the Small Business Administration ( SBA ) services I was using. I got my credit report annually. Especially in XXXX and XXXX to disprove the claim made by COMPASS BANK - CREDIT CARD XXXX XXXX AL XXXX, phone number ( XXXX ) XXXX, partial account number XXXX ...., dated XXXX of 30-day late payment made via a bankdraft. I was told there is no proof of payment, the mark on my credit report will not be removed, and file a complaint. 
In the upload your CFPB service provides. I have documents of this matter to you for the years XXXX to XXXX in chorological order. You will find all proof of payments via the Federal Reserve Bank Check Image Retrieval showing when the funds arrived at BBVA Compass. Some of them are stamped 'VOID '. Why was n't the Credit Card ACT followed by BBVA in this matter? I would like to get back the money charged to me for late fees during this time. In XXXX XXXX I inquired about this account concerning an error on my bill. BBVA Compass Bank would not talk about the details of the matter at hand or the account 's history. I followed up with a letter dated XXXX XXXX, XXXX. This was in reply to the XXXX XXXX, XXXX letter sent to me. At this point in time had ten cycles of six months minimum payments made to request the APR to be removed from this status so I can pay off this debt. I was never over 60 day past due. Please look at XXXX action taken by BBVA, the XXXX Credit Reports dated XXXX XXXX and XXXX XXXX, XXXX for the XXXX and compare it to the XXXX Credit Reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for the XXXX period. They are different. The later reports ( XXXX and XXXX ) were used by them to justify the action. My case never went into debt collection. I was receiving updated credit cards during the years, and I had purchasing rights see XXXX XXXX billing statement. Please evaluate my case in regards to the Credit Card ACT and FEDERAL RESERVE SYSTEM 12 CFR Part 226 [ Regulation Z ; Docket No. R-1370 ] See 226.9 ( h ) ( 2 ) ( i ), ( h ) ( 3 ) ( ii ) .Truth in Lending Law.
Consumer complaint received 2017-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

I wrote and mailed a dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX, pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX. XXXX and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor but XXXX never responded. XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead stated I owe XXXX. I sent another dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX XXXX XXXX reported the debt again for the previous amount of {$820.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.
Consumer complaint received 2017-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One 's inconsistent billing practices lead to my account falling behind without my knowledge. This only came to my attention when I was attempting to purchase another vehicle and the credit report showed a series of late payments. I immediately called XXXX XXXX that day, XXXX XXXX, paid all monies owed in full via phone ( over {$2000.00} ), and then 2 days later put the account on " auto pay '' to avoid further problems. When I followed up with a representative from Capital One on XXXX XXXX ( estimate ), I was told that my statements had been " suppressed '' in XXXX XXXX. My credit score has incurred significant damage due to this one creditor. Over 20 other creditors show no late payments ever. Because XXXX XXXX did not inform me of the status of the account, it went past due on several occasions with no notification. I own two homes and have a combined income with my husband of over {$340000.00}, and our credit is excellent with the exception of this one account. Given our complex financial portfolio, I rely on receiving statements to pay our bills timely. I never agreed for my statements to be " suppressed '' and was completely unaware of this. I have asked XXXX XXXX to dispute this internally but I do not have confidence that they will reverse these reports with the Credit Agencies, and I ask for your assistance. Please have Capital One remove these late payment reports from my credit score. 
Thank you for your help and consideration.
Consumer complaint received 2016-10-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Company sold debt to another party party contacted me and I paid XXXX $ explained I need another arrangement because I lost job and did n't have funds was also in school. I later got a call from a private investigator via an unknown number purposely blocked trying to drop off documents where I do not live and found out it was a different company handling it now. This company does n't have proper identification online. Threatened me if I did n't pay and harassed me I dropped call spoke with ace cash themselves told them they can not send me to a third party because I just got harassed and I am going to report them. So I worked something out with ace cash. But the third company I ca n't even find their info and the XXXX $ that I paid never got to ace cash account.
Consumer complaint received 2017-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I believe that my loan servicer ( currently XXXX, previously XXXX and its predeccessor ) was negligent in informing me of details of the Public Servant Loan Forgiveness program ( PSLF ). When I initially joined the program, I believed that all my loans had been consolidated ( a requirement of PSLF eligibility ). I found out months later that the large majority of my federal loans ( about {$30000.00} out of about {$50000.00} ) were not consolidated, and I do not know why. I consolidated them last summer, but that {$30000.00} will not be eligible for forgiveness until XXXX XXXX, while the loans I first consolidated will be eligible in XXXX XXXX. Im now stuck making payments for more than a year and a half longer than I ought to be. My total loan balance ( federal and private ) is roughly {$100000.00}, so this is no small matter. On top of that, I believe that the servicer should have been more proactive about informing borrowers of the PSLF. I have been with the same PSLF-eligible employer since XXXX, but I did not become aware of the program until XXXX. I could be less than five years away from having my federal loans forgiven ; instead, the majority will not be forgiven for more than eight years.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (TX)

I was faithfully paying my mortgage payment from the time BBVA Compass started my Loan Modification- Trial Period last XXXX XXXX, 2015. No missed mortgage payment. BBVA Compass practices of Debt Collections, are not serviced accordance to the financing law and practices. BBVA Compass forced borrowers like me pay more than my usual monthly mortgage payments. 
I am requesting to bring back my monthly mortgage payment to {$750.00}. as I usually paid & evidence copy coupon attached from BBVA Compass as proof bringing from {$810.00} a month to my usual XXXX a month. 
I am asking BBVA Compass credit to my principal Loan for the extra of {$55.00} from the time they loan Modified last XXXX XXXX, 2015 up to the present for extra escrow charges and adjust and my mortgage payment back down accordingly. I will present the copy of Loan Modification Trial Period, in which paid and complied all 3 months payments. I have applied HAMP Program including my rights for Federal Housing Affordable Loan Modification and I want to seek my rights for remedies available at law such recouping the government Loan Modification benefits and incentives.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This in a complaint against the credit bureau TRANSUNION, XXXX who are violating federal law credit, my case is next, I am a victim of identity theft and have sent them more than 7 times this support police report where are each of the XXXX that were opened under fraud without my permission, I call every day and for the abuse towards me is having me for over an hour for the department fraud treat me and have the nerve to not attend the call and the call of waiting falls, I could only communicate with the department of disputes and they can not do anything, I 'm a little tired XXXX this situation XXXX.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit line with BOA credit card was drastically and unjustly lowered from approx. $ 33k to {$1200.00}.

I have been with BOA for approx. 20+ years, always with an A rating always paid on time. 
I have had a long relationship, various business, personal, and merchant accounts. 
In XXXX I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining more than a 2.1 loan to value. 
I completely paid off this BOA account, wanted to retain this account to use, when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
In XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, my credit was good enough to have qualified for an FHA loan. 
Directly after pay off, in XXXX, a weeks after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 
Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

Complaint XXXX about COMENITY CAPITAL BANK. I filed a complaint before comeninty Capital Bank said they would reverse the erroneous fees and close the account. However again I received a statement for months worth of Applied fees and interest on a XXXX balance account which I have been trying to close for months. They sent you a letter agreeing to reverse the fee and close the account. This did not happen. What is my next step in having this company correct this problem? I have stopped shopping the store as a result of this annoying issue. Please advise. 
XXXXXXXXXXXX
Consumer complaint received 2017-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

XXXX XXXX XXXXXXXXXXXX {$630.00} being held illegally I am not sure of the date exactly but at some point early in XXXX 2017 PayPal put a limitation on my account. I was unable to remove my money from their website anymore. They have not given me any indication as to why they did this except to review the User Agreement. Well since then I allowed them to hold it for 3 months since that is plenty of time for any buyer complaints or refund requests. I called them to try to see if they would grant an early release and they refused to. I am now seeking assistance to have MY MONEY released to me considering that they are not a bank they are not allowed to hold money for this amount of time. There are no more disputes, refunds, complaints at this time and there is zero risk for them to release my money except their own financial gains. I will also be contacting Congressman XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX of the SEC, the Department of Justice, The Federal Trade Commission, and Filing a Complaint with the BBB. They have taken advantage of way to many people in this same matter day after day. They should be forced to change their policy to 90 days as that is well past the deadline for people to be able to return or request a refund anyway. They have been given to long of a leash and it should be reigned in. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I am going through a domestic abuse situation and need the full contents of my bank statements from the time I opened my account until now. Wells Fargo does not let customers view online ledgers past 18 months at all, and then charges {$5.00} per month if statements previous to the 18 month period are needed, or if they are printed at a branch. 
They are denying customers access to their own information, and then charging for the 'privilege ' of obtaining it when they ultimately have to contact Wells Fargo !
Consumer complaint received 2017-12-01
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. (LA)

On XX/XX/XXXX i sent a letter requesting validation of a debt to XXXX XXXX XXXX through certified mail. I dispute the mark on my report throughXX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX. XXXX never sent a validation letter but reported to transunion that the debt was valid. I called XXXX stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There was an account opened in 2012 with XXXX that is showing as an adverse account on my credit history. I have filled several disputes with both Transunion and XXXX XXXX. Neither of which have been able to resolve the issue. XXXX XXXX can not even locate an account in my name and so therefore has " no way of filling a dispute '' or helping me resolve the issue. The XXXX info listed on the Transunion report has no phone contact, so I mailed a letter to the address provided and have still not received a response. I had an Mor furniture account with them years ago that was paid in full, on time. They accrued some additional charge that supposedly was left unpaid and sent to collections. They resolved the issue as it was an error on their part, but it is still ruining my credit.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MS)

On XXXX XXXX XXXX, I XXXX XXXX was a guarantor for my daughter XXXX XXXX XXXX attending college ) for an apartment at the University XXXX XXXX in XXXX Ms XXXX The rental agreement that we applied for and completed a notarized document was for was for 1 year lease from XXXX XXXX, XXXX XXXX, XXXX. XXXX did not move from XXXX XXXX XXXX XXXX after the first year and she extended the lease for another year immediately after for XXXX XXXX, XXXX thru XXXX. Months later, I noticed a {$2800.00} debt on both our credit reports. I have disputed the debt for several years explaining I did not renew a contract nor did I sign for another lease in my name after the first lease but National Credit System nor the Credit Bureaus removed the debt. On XXXX XXXX, XXXX, I sent a certified letter and requested a letter of authorization for the debt owed by XXXX XXXX XXXX XXXX. The documents I recieved from the National Credit Systems were inaccurate and falsified. I did not relieve the lease that we both sign but instead I was sent a lease contract dated XXXX XXXX, XXXX thru XXXX, XXXX, a period that me nor XXXX never sign for. Here are a list of inaccurate item in the contract. 
1 ) The lease contract was not filled out by XXXX nor myself. It 's in someone else 's handwriting and the Guaranty Information at the top of Guaranty page was not completed by me. 
2 ) The starting date on the new contract do not coincide with the date of the original lease from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 
3 ). The date on page XXXX of the contract was changed to XX/XX/XXXX. Why would anyone sign in XXXX, XXXX to rent an apartment in XXXX XXXX. 
XXXX ). The notary signed by XXXX and myself was signed XXXX XXXX, XXXX for a lease dated XXXX XXXX, XXXX XXXX, XXXX, XXXX. This notary was attached to the new lease dated XXXX XXXX, XXXX thru XXXX, XXXX XXXX. 
5 ). The Residents Transaction inquiry detail show for months outside of the contract date, Also on the transaction page it showed she was a previous tenant. Where is the previous contract? 
6 ). There are no transactions to show charges and amounts paid from the beginning of the original contract ( with XXXX an last months rent deposit ). 
XXXX ). The move in condition form was dated XXXX XXXX, XXXX. Which was the date she first moved into the apartment. 

I did not sign nor did I agree to attaching the original notary with my signature to a new contract nor was I informed that this would be done. After carefully looking at the XXXX XXXX XXXX contract, I recognize that the XXXX XXXX contract was completed by taking pages from the original XXXX XXXX contract and inserting pages with our signature to forge a new contract. 
Please investigate this matter!
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK (TN)

My wife recently found out that an account was opened under her name at first Tennessee bank without permission. I felt concerned and went into my online banking to see if something similar happened with me. and i found out it actually did happen 2 years ago. 
I went to First Tennessee Bank to open a personal loan on XXXX 2013. Apparently a checking account was opened same day. closed 60 days later. no statements were sent to my house. no debit card was ordered and the account was hidden from my online banking. 
I found the statements alert on my email. online banking system is blocking me from viewing any additional account details because the account was closed. 
I have been giving the bank business for 6 years now. they 've made money from me. and it is not honest from the bank 's end to use my info and take the liberty to open and close accounts for any reason. 
at the moment i do n't even know the reason behind this action it could be anything from account opening bonus fraud to money laundering, whatever it is i feel like my info was jeopardized and i 'm entitled to know what the reason it was used for. 
I know a few more people who had the same occurrence and similar complaints will follow.
Consumer complaint received 2017-12-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (OH)

I refinanced a loan with my local lender, XXXX XXXX XXXX XXXX They sent a payoff check written from their bank to the mortgage holder, Cross Country Mortgage. Cross Country Mortgage did not accept the check, because they said they were not certified funds. The payoff was sent XXXX/XXXX/XXXX. A letter was drafted by Cross Country Mortgage on XXXX/XXXX/XXXX advising of the rejection of the payoff. It was sent along with the bank check which I did not receive until XXXX/XXXX/XXXX. Now they want additional interested on the payoff, which neither I nor my new lender believe should be paid. And why did they not call me or my new lender immediately when the received the check. Also, I and a representative from my new lender have called, but Cross Country Mortgage would not let either of us talk to anyone above the supervisor level. 

Also, when I originally applied for this loan the loan originator told me there would be no origination fee, which I specifically asked about. However, when the settlement statement was given to me and we closed the loan, there was an origination fee.