davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (AZ)

To Whom It may concern, I XXXX XXXX XXXX, would like to formally complain about my mortgage servicer Flagstar Bank. I submitted my complete application for mortgage assistance about 5 months. I followed up today spoke to XXXX who he claims to be a supervisor immediately stated that the package was denied and never put into a review that is was probably a mistake that he will make a note in the system. I told him that theirs no time I have a sale date set for XX/XX/2018 and that for the last 5 months I've been bounced around given wrong information not just by rep but by managers such as XXXX, XXXX I can name a lot more. He then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain to him that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. My hardship was that I lost my job because they went out of business. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, please help me I do not wish to be thrown out on the street with my family it's very dangerous out there. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX HM XXXX. Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX  XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NJ)

I had a credit card with XXXX XXXX XXXX XXXX XXXX however they turned the credit card business over to a company called XXXX. In early XX/XX/2018 I transferred my balance from XXXX to a new credit card with a more reliable institution. I called XXXX and canceled the original card with them. I received a letter confirmation of that cancellation. Then I received another bill from them with a balance of {$0.00}. Today XX/XX/18 I received a letter from XXXX XXXX XXXX of North Dakota informing me of a Rewards Program with several pages of fine print. I called and asked why they sent me this as I have no credit card with them. They asked for a credit card number and I replied that I do not have a MasterCard and no business with XXXX XXXX. I gave my name and he found me in his system and asked if the last 4 Digits of my card were 2. ( I cant reme the 4 numbers he said ). I said no my old credit card ended in XXXX to which he said yes its the same. We take over credit cards from small banks and credit unions and switch them out to New numbers. I told him the XXXX Master card was canceled and there is a XXXX balance. He said yes I can see the XXXX   balance. So I asked about the new number XXXX switched it to and he asked me to hold then returned and said they are both closed and I would receive correspondence confirming that fact. This idea that a company can acquire my closed credit card info and create a new account with their company is disturbing and scary. This man said his name is XXXX at extension XXXX the phone # XXXX. He is in XXXX ND. What they sent to me was called XXXX MasterCard Select Rewards Card agreement and disclosures statement I have no business with these people I canceled my MasterCard with XXXX approximately XX/XX/2018. I have a cancellation letter. What evil is XXXX XXXX attempting to inflict on me? I have no MasterCard I have no business with XXXX XXXX. Why is it this difficult to cancel a credit card. I have good credit and dont want that jeopardized
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-11-18
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX
Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

The company is using other 's purpose letter to resolve these issue. This letter was never intended for vehicle loan verification and stop harassment since by California Law you're not supposed to contact me, so why would I stop calls for collections from a loan company? On the other hand, Why would I want to lose my vehicle and/or my loan thru Wells Fargo Dealer Services?. 
This letter was sent in response to Wells Fargo Checking and Saving accounts. My accounts were closed supposedly because I was overdrawn with money that the Bank posted on saving account when the check was presented for payment on checking account. Further details aren't necessary to share since this letter was only for that purpose and NOT to stop Wells Fargo Dealer Services calls and payments reminders, and so on. As you can see an error was made and I'm paying the price with late payments. Your crew should take serious responsibility with customers and don't forward letters to wrong departments and/or a totally different part of the Bank which is car loans. 

Attached files are the previous response. A response that was based on a letter that wasn't supposed to be forwarded to them. 

The previous request added below : I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and the company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all the help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
Consumer complaint received 2018-07-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION (AL)

I received the following message from XXXX XXXX after applying to open another CD ( I currently have 4 open CD 's with this financial institution ) : " Thank you for your recent inquiry. Per your request, I'm able to provide you with the following information. 

We have made the decision to not open any additional accounts. Any pending applications will be closed, and if a funding check was sent in it will be returned to you. 

We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. ''
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CT)

I have been a Wells Fargo customer for many years and the fees and charges they keep piling on Im questioning the legality of these actions. Ive fallen on hard times and normally live paycheck to paycheck and on occasion overdraft. Wells Fargo charged multiple overdraft and insufficient fees which hinder getting things back on track. They always authorize the overdraft seemingly to just brutally charge the consumer many many fees. I had good relations with the employees at the XXXX XXXX branch but this is higher than them. An investigation into this would be greatly appreciated. Please help.
Consumer complaint received 2018-07-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX I began to receive notifications from Citibank asking me to update my personal information. Since XX/XX/XXXX I have received approximately ten different notifications. Each time I received a notification I went personally to my Citibank branch and updated my information. In XX/XX/XXXX, I received a letter from Citibank stating that my one of my three accounts had been closed and there was a check for the balance of my account. A few days later I received another letter cancelling my second account with a corresponding check. My third Citibank account is a CD which I have not been able to access and I have been told I will not be able to receive those funds until XX/XX/XXXX. No one at Citibank has been able to clarify why my accounts were closed, why my third account ( CD ) can not be canceled immediately without any cancellation fine or penalty, and lastly if Citibank will reimburse me for the checks and the corresponding fines for the checks I issued before my accounts were cancelled. Had there been a serious problem with my personal information, why wasn't the CD account cancelled as well? I never received any prior notification of my accounts being cancelled nor any explanation.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

On XX/XX/2018, I checked my US Bank savings account balance, and withdrew {$160.00}. The savings account was not credited until two days later, after I had already checked my balance and withdrew {$200.00}. US Bank credited my account for both transactions ; resulting in an overdraft and overdraft fees. On XX/XX/2018, I checked my balance, and immediately went the US Bank location that I frequent. I was told that it was the tellers error for both transaction, but I am to be held financially responsible and that I could not close my accounts until I took care of that responsibility. Only when I warned them that I would contact the CFPB, and that they violated the Dodd-Frank Act did they close all accounts I had with them. Prior to this incident, the same issue occurred with my checking account deposits being held and my withdrawals going through creating a negative balance, and while I was there another couple was there dealing with same issue.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

For the last 10 years I've had my Federal student loan serviced by XXXX. Never did I have any issues with them. 

Last month they switched over to American Education Services or AES. 

AES sent me 1 letter saying the loan was going to switch to their company and that I shouldn't have to do anything additionally. 

I have automatic payments applied to this loan. {$240.00} comes out of my bank account on the XXXX of every month. AES took over my loan beginning of XX/XX/XXXX and they took out {$240.00} on XX/XX/XXXX as they should have. 

Then I noticed another charge of {$240.00} come out of my account on XX/XX/XXXX. There was no authorization and no notice of an addition payment to be made, it was very quietly taken from my account. 

After contacting AES they said there must have been an accounting issue on their end and it would take 7-10 business days to refund that payment. 

I contacted my bank to refund that payment immediately and was hoping to be done with the ordeal. Then, yesterday, XX/XX/XXXX I received an email from AES saying my account was delinquent and I owed them {$490.00} on my account. 

I contacted them immediately and asked them why they are requesting a double payment after having taken out my regular payment on XX/XX/XXXX. They claimed to have refunded both my XX/XX/XXXX payment ( which had already been paid ) plus the mistake they made on XX/XX/XXXX. 

Because of their mistake my account is now considered " delinquent '' which I've never had for the entire 10+ years of my loan. Not only do I have to make sure I have those funds corrected in my account but I have to hope my XX/XX/XXXX auto payment is taken out correctly and a double payment is not charged again. 

I did not want my loans to transfer to another company in the first place and I'm very disappointed with AES and their accounting practices, intentional or not. 

If these issues continue to occur I think American Education Services should be investigated for predatory practices.
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thunderbird Collection Specialists, Inc. (AZ)

I've let this agency know that the balance was for a hospital stay from my ex-wife years ago. I've also asked them not to contact me by any other means than my PO Box address given to them. They continue to call my phone and, more recently, have called my workplace looking for me -- contact information which was NOT given to them and a phone line that they are not authorized to use. Yesterday, XXXX-18, they left a message on a company telephone number that's used exclusively for customer service which means that they made a guess at where I work and searched online for an alternate way to contact me over a debt that I did not generate.
Consumer complaint received 2018-07-12
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. (FL)

I have contacted all three credit bureaus and the Social Security Office in regards to an account being report as a collection when in fact its not. I have two letters from the Social Security Office where they state that the account is not in collection and that its up to date. The first letter I got was in XX/XX/2018 and the second letter was in XX/XX/2018. Even after contacting all three credit bureaus and informing them of the error, I still have this negative information on my record. I have a credit sensitive employment and due to this error my employment could be jeopardized.
Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

description : I got a leased car XXXX XXXX XXXX from XXXX XXXX   XXXX ( in XXXX NJ, ) and the financing company is XXXX XXXX XXXX located in California ( and of course the company holds the Title ) In New Jersey I can not get the. Car registration without the title But Id like to return back to the time of getting the car : - The dealer gave me temporary registration telling me you will get the registration by mail I wait for 3 week, never get it I contacted the dealer in person and by emails and phones but in vain Then I filed a complaint through XXXX, after that I received the registration And didnt notice that it is for one year only While the Lease is 3 years and in New Jersey it is allowed to get 3 year registration InXX/XX/XXXX the registration expired I didnt notice that till XX/XX/XXXX I stopped driving my car and Calle the dealer They told me it is not their responsibility and it is XXXX XXXX XXXX responsibility I contacted XXXX, and they told me that they will send me a power of attorney To apply by my self for renewal of car registration And up till now I wait,!!
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

While checking my credit score this month I noticed for the first time on my credit report I had a negative item. When I looked it says it was a collection item from XX/XX/2012 that I never knew I even owed. I have perfect credit score with no negative items on my credit. I never once received any notice, call or  communication stating I owed this debt.
Consumer complaint received 2018-07-11
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: Lending Club Corp (NY)

Several years ago, my information was stolen and a loan was placed in my name through Lending Club. However, Lending Club ( LC ) is still on my XXXX credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via LC. I am writing to say that : 1. LC needs to erase the false information from my XXXX  credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, LC should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through Lending Cub.
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXXXXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.