davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (CO)

My debit card information was taken and used in several locations. I first identified the first 2 transaction as they were $ XXXX/each at 2 local gas stations. I immediately called the bank and they requested I file a dispute. They cancelled my card and told me I would have to go to a branch to get a new card.
When I got to the bank, they identified new charges and a 2nd dispute was opened at that time. They confiscated the card. The bank the first dispute, however declined the second dispute because they indicated that those smaller charges, would have been done with the actual card. TCF did not complete any research and closed the dispute. I filed a report with XXXX Police department, " XXXX '' and have been reaching out to the fraud police officer.
My complaint is that 1. ) TCF should have put a stop on the account with the 2 sets of identical charges, as this is policy for most other banks. 2. ) They arbitrarily closed the account before completing any research, even though I have been a customer for 10+ years. 3. ) The retailers all have videos and are happy to supply them to TCF Bank or the police department, however they only keep them for 30 days. We are 2 weeks into this dispute, and they have not requested them. 4. ) They have not provided me with copies of the signatures used on these transactions. 5. ) They are not contacting me with information or details on what they are doing to resolve/investigate the dispute. 6. ) I had to use a loan to put funds into the back for the negative balance that this situation has caused, because my mortgage was not getting paid.
Consumer complaint received 2017-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

Hello, I am a user on the website Coinbase. About a week about, on the day of XX/XX/XXXX, my account was temporarily disabled without notice or reason. I had a few hundred dollars of currency on there that I can no longer access. After submitting a case, they responded with " we have looked into the problem and are working with a specialist ''. From there, absolute silence.
I repeatedly asked for the reason why my account is disabled, and I 've gotten no answer. There 's no number for me to call nor is there actually any person to chat with. It 's just " submit a case and wait ''.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (VA)

In XX/XX/XXXX XXXX XXXX XXXX sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use Wells Fargo Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use XXXX XXXX XXXX 's automatic payment services, but each time it has rejected my checking account from Wells Fargo. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else screws up and I have to pay for it?
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

Afni collection agencie for XXXX XXXX XXXX for the amount of {$140.00} showe 's on my credit report as negative i do not owe this money as we have had XXXX XXXX XXXX XXXX for years an it has always been under my wife 's name we have never been late they are still our provider .Would like to have this removed from my credit report .I know that this company has been reported before of trying to collect from people that do not owe an as being a ripoff
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/XXXX-XX/XX/XXXX I requested a HAMP modification from Wells Fargo having a XXXX XXXX loan. What I was given was not the HAMP and the modification I was given was something similar but not the HAMP. For 8 years, I have been arguing with WF to correct my modification and they of course refused. Now, in XX/XX/XXXX finally, they agree that I should have been granted the HAMP and they made an error in denying me such. However, since, they refuse to correct and and provided an accurate HAMP modification for me. Today, finally, XX/XX/XXXX I receive a recasted agreement from WF and it is not correct. They have given me a deadline of XX/XX/XXXX - one week- to review this and sign and return it. This is nonsense when they have taken so very long to do it and now they give me one week. The figures are all off and I have NO documents to check and audit it prior to me signing and agreeing to these terms and my balance ( which has been changed several times ) Just on the paperwork mailed to me, I see accounting errors not adding up correctly. They are threatening me " to take action '' whatever that means, if I do not sign and return by XX/XX/XXXX. I want to state again : I am current on my loan and have always been The loan I have now benefits WF more so what is their issue with this deadline The modification they recasted is NOT correct WF refuses to provide me with the requested documents for review and my file contents WF forcing me into signing this agreement as they did back in XX/XX/XXXX. This is bullying, fraud, corruption, It is awful they way I was spoken to when I informed them I need the deadline of XX/XX/XXXX extended. XXXX XXXX XXXX
Consumer complaint received 2017-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

XXXX XXXX has rules that unfairly punish first time homeowners. I went to have my MIP/PMI removed based on my loan to value being under 80 % now. My mortgage company stated I can not ever have my MIP removed due to my loan originated after XXXX XXXX 2013. Consumers who had a loan prior to that date can have it removed based on LTV of under 80 %. This rule also applies on all conventional loans, but because I purchased my home using a FHA loan on XXXX 2013 I am obligated to pay insurance of almost {$200.00} a month when it is not needed based on my current LTV. The only way for me to remove this unnecessarily payment is to refinance my home which would be costly based on fees. This rule hurts home owners who could n't put a higher down payment and unfairly targets those with lower income. This rule only benefits insurance companies and hurts those who can least afford it.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (GA)

My mortgage company has held/stolen {$89000.00} from me since 2013 and has failed to ever report this lump sum which was an overpayment of what was my principal balance. I am due a refund on the overpayment, I have tried numerous times to resolve this and they continue to lie and get away with it. My credit has suffered and I have experienced emotional distress. Four years is too long. Their attorneys have my money listed as a suspense amount, and even with that error-they at least have a better account of my not owing the fraudulent amount M & T Bank continues to report. I do n't owe them a dime, they owe me money and have gotten away with many violations of Dodd Frank/RESPA Acts including : pyramiding late fees, force placed insurance costs on vacant land that requires non, escrow mismanagement, misapplied payments and it goes on ...
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

I will respond to Hunt and Henriques correspondence dated XXXX XXXX, 2017.  That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On Transunion there are XXXX HARD INQUIRIES for account that dont belong to me. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX removed it after their investigation. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> 2023
Consumer complaint received 2017-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK (MA)

I logged into Discover Student Loans XXXX on X/X/2017. I noticed in the top right hand corner there was a message waiting for me. I rarely log into Discover Student Loans because I pay them the same amount each month as I have for the past several years. For the second time since XXXX 2017, there was a notification that my interest rate had increased. In XXXX my rate increased from 3.75 % to 4 % and then in XXXX they increased it to 4.25 %. I was not given a written notice, or any correspondence regarding this increase. I check my credit score regularly and it has continued to increase so it can not be related to that. Also, I have already paid over {$13000.00} above the principal balance over a period of 11 years and I still owe them over {$5000.00} dollars.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

My account was disabled with Navient.
After calling in I was told not to worry my loan was paid in full in XX/XX/XXXX.
In XX/XX/XXXX I realize they are still withdrawing payments from my bank account.
I ask them to please stop several times. I try to log back into my account but it still says account disabled.
It 's ridiculous that an organization like Navient, who I have given tens of thousands of dollars to continues to take from my account when there is no debt to be paid back.
It feels like they are intentionally setting people up for things like this.
Consumer complaint received 2020-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CONTACTED CREDIT REPORTING AGENCY ABOUT INCORRECT ITEMS REPORTED ON MY REPORT AND CREDIT AGENCY INFORMS ME THAT ACCOUNT WERE REAL AND VERIFY WITHOUT PROVIDING ANY PROOF OF HOW THEY CAME UP WITH THIS CONCLUSION
Consumer complaint received 2017-08-08
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: CITIBANK, N.A. (CA)

CBNA Inquiry : XXXX XXXX, 2016 I never authorized nor was I interested in obtaining credit with any company associated with this creditor ( Citibank ). I called the company over 2 months ago and was assured this inquiry would be removed because my information did not match their records but this hard pull has not been removed yet. I waited enough time for this issue to be resolved already. Your assistance will be greatly appreciated. Thank you
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/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.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (NY)

According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of XXXX XXXX is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before Allied Interstate attempts any debt from me personally without proper documentation.
Consumer complaint received 2017-08-11
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXXXX/XX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am currently applying for a mortgage loan. I found out through the lender, that Equifax has once again, listed account information incorrectly. I have an XXXX XXXX credit account and instead of showing it paid off less {$.00} balance for the last XXXX days, they are reporting it as a SUSPENDED account with a much larger balance. It is NOT suspended and I have attempted to contact Equifax and it wo n't allow me to access my credit report AGAIN! They continuously report incorrect and old information and as a result they report a drastically lower credit score than the other 2 credit reporting companies, XXXX and XXXX XXXX. Equifax is also reporting a medical collection that has long since been resolved and retracted because of improper billing by the hospital and my insurance company at the time in the amount of {$990.00}. The result of this is that I have been denied a mortgage until it is cleared up and my report updated. They are causing me immeasurable financial hardship as well as making me look irresponsible in the eyes of the mortgage company and the people involved in this whole process. Recently I have been unable to even access my own reports due to their system being down and occasionally being told that they can not verify that it is me accessing my own report! How can a creditor access my report with only the last 4 of my social security number and a zip code yet I am unable to do the same by entering all the questions they ask to verify my identity?? Please help me!
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

XXXX has a customer service infrastructure straight out of the XXXX 's. I have been involved in a multi-month process for IDR to go in effect on both mine and my wife 's loan. I am required to take time off of work and go through a 1 hour plus process waiting on call center representatives. Information is not consistent and already complicated processes are made more challenging by XXXX 's antiquated infrastructure. Their self serve options are non-existent. They have 0 texting or mobile functionality I experience in every other financial services industry. Very simply notifications via text would have prevented 99 % of my issues. As a citizen, I am troubled by the waste that confounds our already insurmountable student loan debt.
Consumer complaint received 2017-08-08
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: CONSUMER PROTECTION ASSISTANCE COALITION, INC (CO)

I have fat along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OR)

I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends XXXX. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole amount. They  refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

I went to XXXX XXXX to secure a lease for a car. On XX/XX/XXXX two hard inquiries were issued .... One by XXXX XXXX dealership and a second by their finance company Chase auto.. My score dropped XXXX points And I need one of these hard inquiries to come off as it 's the same day fir the same auto lease.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2014 I noticed three wire transfers that were large amounts. I contacted the bank. I was told they were flagged as fraud and would be canceled. Then on XX/XX/2014, the funds went through and I was told a fraud claim was filed and an analyst had to review it to get the funds back. On XX/XX/2014, I received an email from the back stating my claim was denied because it was confirmed it was through a connected device.