davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc. (MI)

This is a rebuttal to the closed case XXXX : The response is unsatisfactory and does not address the following : I provided documentation showing payments were withdrawn from my account on XX/XX/20 and XX/XX/20. Where were those funds applied to? There was no way BSI would have let me go without making payments 2 months in a row. I AM ATTACHING ONCE AGAIN MY PAYMENT HISTORY. TO INCLUDE WHAT IS ON THE WEB PORTAL AND MY FINANCIAL INSTITUTION. 

I have talked with customer service with no unusual wait time. In my complaint I addressed the fact that the Loss Mitigator, XXXX XXXX, does not answer the phone, return calls, or answers emails period. He is assigned to my case and it is no excuse. I was specifically told by the last Complaint Specialist answering the complaint that XXXX is suppose to talk to me. He in fact is very rude and nasty. In addition, he provided a plan by investors designed to take my home. In fact it is more than the mortgage is worth. 

In addition, I have asked customer service for a manager and they are refusing to transfer me to the manager XXXX XXXX. This is not customer friendly. Consumers have a right to speak the manager. They are not transferring customers and intercepting in the call.

There are so many complaints on the consumer affairs website on the same issues I am not the only one. I WANT TO BE TRANSFERRED TO ANOTHER LOSS MITIGATOR. I WANT TO TALK TO A MANAGER PERIOD!!! 

Third on the reversal, it is important to notify a customer when you make any changes to someones account. THERE SHOULD HAVE BEEN SOMETHING WRITTEN. NO ONLINE WHERE IT STATES REVERSAL. I should not have to complain to get a response ON THIS MATTER. THIS IS ILLEGAL. JUST MAKING CHANGES TO SOMEONES ACCOUNT WITHOUT NOTIFICATION IS WRONG FLAT OUT!!! 


Finally, I have no loan documents. I never have from this company. I have asked many years ago to provide me loan documentation. You have not done that. I WANT DOCUMENTATION ON THIS LOAN WHEN IT WAS TRANSFERRED TO YOU!! IMMEDIATELY!!! THIS IS ILLEGAL. 

This company has predatory lending habits. I have forwarded my complaints to the Attorney General to investigate this place. 

XXXX XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX, I wrote a letter to XXXX and TransUnion about an inaccurately reporting item that was adversely affecting my creditworthiness. Both companies reported back the item had been verified by XXXX XXXX. I also notified XXXX XXXX that they were hurting my livelihood by reporting inaccurate information about my account, they responded to my concern with a frivolous letter. I responded to XXXX and TransUnion with proof of the inaccuracies on a letter dated XXXX XXXX wrote a letter to the CEO of XXXX XXXX concerning the matter. XXXX XXXX sent me a letter dated XX/XX/XXXX, to settle the matter at a discounted price. I purchased a money order from the USPS and sent it certified mail upon complete removal of the account. As of date, XX/XX/XXXX, inaccurate data is still reporting. TransUnion nor XXXX responding to a letter requesting the method of verification, yet still, they report UNVERIFIED inaccurate information.
Consumer complaint received 2024-09-09
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2021-03-18
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. (NY)

Business loan inquiry - US SM BUS ADMIN ODA got a copy of my Experian Credit Report. 

Date : XX/XX/2021 I put a freeze on : Experian, XXXX, XXXX on XX/XX/2021. 

I called US SM BUS ODA and had the application cancelled. 

Application # XXXX XX/XX/2021 The inquiry was requested from this address - XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/21 - Called Chase Bank to get {$850.00} in funds recovered from a scam payment. They said they couldn't help me because it was done with XXXX XXXX  with XXXX and suggested that I call XXXX, but they would notate that the number and email address the funds were sent to as a scam. 
XX/XX/21 - Called XXXX to see if they could help because its basically like XXXX XXXX and I would need to contact my bank to get the funds recovered. I informed them that i had called the bank first and they stated to call XXXX. Again they said to call my bank, and also said that they couldn't help retrieve the funds, but could mark the phone number and the email address as a scam and they would be blocked from using the app. 

Neither company would help and basically said was my fault for falling for the scam. Once i realized it was a scam I immediately reported it to the FTC and BBB as well as called my bank.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

I have tried over the last week ( starting XX/XX/21 ) to deposit a check using Axos Bank 's mobile banking feature. At first their app kept timing out when I attempted my deposit, so I contacted Customer Support via their XXXX that day, and was told by a representative that I would need to wait a day or two to resubmit my check as their system appeared to be down. I waited a couple of days and tried again, only to get an error message saying that my check had already been deposited. This was clearly not the case as I had not received a confirmation from the bank to my email ( as is customary ), and there was no record of a deposit into my checking account. I contacted their Customer Support again ( on or around XX/XX/21 ), and the representative told me that I could always visit a local bank ATM and deposit my check that way, or that I could try again the next day. 
I continued to try mobile deposits, with no success, so attempted to deposit the check via one of my local ( XXXX XXXX ) bank ATMs. I visited the XXXX XXXX ( on XX/XX/21 ) that the Customer Support agent told me was a good option, yet when I used their ATM there was no option to deposit a check, only to remove funds or check the balance of my account. I tried the next door XXXX XXXX XXXX ATM and had the same issue, as there is no way to deposit a check via another bank 's ATM, despite the information that was provided to me by the XXXX agent. 
I called Customer Support immediately ( XX/XX/21 ) and was placed on hold for over 30 minutes. I called back and the agent told me that my options were to go to XXXX XXXX and use one of their physical banking locations there to deposit my check ( a 3 hour drive ), or to mail in my check for deposit. Both of these options are clearly unacceptable for a bank that markets itself as an online bank, and I requested a call back the next day from a person within the organization who is able to help me. 
On XX/XX/21 I received an email from XXXX telling me that " Your deposit is being rejected because the dollar amount is included in the XXXX line ( bottom part of the check ). Your only options are to mail in your check, or to have another check written out without the dollar amount included in the XXXX line. '' This too is unacceptable considering their marketing and Customer Support communications, and I am unable to have the check rewritten as it is from a former mortgage company ( their system prints checks this way automatically ). As a result, I have deposited my check using a mobile deposit option with my former bank, XXXX, with zero issue, further highlighting the incorrect and fraudulent claims by Axos Bank and their Customer Support representatives. I have yet to receive a call from the Axos Bank team ( as promised ) telling me how my issues with their banking system will be resolved, so I am registering this complaint so that the CFPB can investigate this bank further for fraud and false advertising.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

At application I was told I qualified for a {$5000.00} home dream credit. At conversion I was told that I still qualify. After the commitment was issued and underwriting reviewed my income the loan officer called to congratulate and tell me Im getting {$3900.00} of the {$5000.00} credit. A week later a supervisor called to say the underwriter messed up and I didnt qualify. My cash to close increased by almost {$700.00} an hour before closing with no communication by my mortgage team. As of yesterday XX/XX/17 a rep from XXXX advised on a monitored line that WF is not required to give any credit even if its verbally disclosed on the monitored recorded line. Despite the Underwriting teams mess up of income calculation and XXXX XXXX calling me to confirm Im eligible for the {$3900.00} credit. They only legally required to provide credits if disclosed on the CD. How is that fair? Is this even legal? This was a complete bait and switch and the rug was pulled out underneath me. I was counting on the credit. Same day I closed on my house I had to put my XXXX year old dog down. ( {$1000.00} vet Bill same day ) My reserves were completely drained with the loss of the credit I was promised by the loan officer on the monitored and recorded line. I feel the loan officer and Wells Fargo have violated fair laws. I believe because it was disclosed and even verbally it should still be honored
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

account re added the same XXXX account to my collection with out a 5 day reinsertion notice, by a new debt collector was with XXXX now with XXXX, XXXX reported I owe {$190.00} Now XXXX report I owe {$190.00}.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

XX/XX/XXXX opened claim XXXX provided receipts showing items had been received by merchant but never refunded XX/XX/XXXX received refund from merchant for other transactions I had done with them not related to claim XXXX for similar amounts XXXX x 7 and XXXX x1 XX/XX/XXXX Wells fargo reverses my credit due to " merchant credit claim '' for transactions that are not related to the claim and aren't even on the same debit card as the original transactions I have tried contacting wells fargo over 70 times at this point trying to get ahold of someone who could possibly reopen my claim. I've sent 30 emails and been promised to be called back more times than I can remembe. I need the claim reopened as it was closed incorrectly because I still to this day have not received merchant credits for those transactions that were disputed. Please check the attached files I provide as they are the physical in store receipts for all the transactions and they clearly show the transactions in XXXX are not related to the transactions that are on the claim XXXX. 

PLEASE look at the attached files and see that these are all the receipts for all the transactions and that the refunds on XX/XX/XXXX are not in any way shape or form related to the transactions on on the claim. I'm not asking for anything other than this.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

On XX/XX/XXXX, I received a Business Adverse Action letter from XXXX XXXX XXXX where I am shopping for a new homeowner insurance. The letter said they put a surcharge on my premium because the information they received from LexisNexis XXXX XXXX in XXXX. 
In the LexisNexis report, there was an insurance claim listed for XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ). After talking with XXXX, I have learned that a phone inquiry on XX/XX/XXXX has been changed to a claim without my knowledge. One of the insurance item I had with XXXX called " home system protection ''. When my furnace was broken on XX/XX/XXXX, I called the company to ask if it is covered by " home system protection ''. I didn't get the answer on the same phone call. Later I paid everything by myself to fix the furnace and did not get a penny from XXXX. I never thought this phone call became a claim and it is against me now when I shop for new insurance. After discuss with XXXX I was provided by a letter saying that the claim was closed and payout was {$0.00}. However, after I presented this letter to XXXX, I was told that the surcharge can not be removed because the claim was still there regardless the payout amount.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: RENASANT CORPORATION (MS)

I had wrote a check to a check cash place and I told the lady I want to make payments on the check I only got XXXX I made one XXXX payment then she tell me she change it to a installment loan that shot up to XXXX and some after I had pay XXXX and only got XXXX so I said no I'm not paying that when I only got XXXX we had a court case last year in XXXX then I put a stop payment and block on that check.then XX/XX/XXXX I had XXXX in my account i got XXXX out atm and it said I only had XXXX so I go in said and ask were my XXXX dollars ok now from XX/XX/XXXX when I wrong the check til XX/XX/XXXX a year later here come that same check pending the woman in didn't help me so I call the main bank in she said it just got there she see were that check had shipment on it so she said I'm stopping it right now and putting stop payment again for free then on Monday the XX/XX/XXXX that same check show up again and XXXX gone all over I go back to the bank and I said how a year old check that was block keep getting in my account over a year old and to blocks the last block was the XXXX a Friday the the XXXX which was that Monday a again so the manger got mad cause I told I don't understand what she was trying tell about my XXXX give what money I had still in the accout and your accout is now close now get out before I call police you don't no longer have a accout here.so I had XXXX she give me on the XXXX never got my XXXX or no understanding close on the XXXX XXXX in it then no on the XX/XX/XXXX I'm XXXX how when you close it on the first now check this out my XXXX check came to the close accout on the XXXX they let it come then got XXXX out of it and tell go get all of it from the drive threw don't go in.now a close account on the XXXX XXXX accout close then XXXX overdraft on the XXXX with a close account.how you got my XXXX check that should have gone back cause the accout was close they told me and I should have got my hold XXXX in the mail not missing XXXX I look online in what they did was they insurance I had for XXXX let it come in and out that close account 4 times and charger me XXXX for that with a close accout.help me get my money and then some cause I feel I was did wrong to stop payment and over a year old check then kick out then XXXX overdraft when accout was close on the XXXX they said. All cause the manger got mad cause I didn't understand and she new I was in the right so she could not explain it to me were it should good to me she got mad. Help me please
Consumer complaint received 2021-03-18
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. (AL)

In XXXX and XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX  -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (AZ)

On XX/XX/2021, I went to the US BANK at XXXX XXXX XXXX XXXX in XXXX XXXX to make a deposit of {$500.00}. 

Initially upon entering the crunchy bills into the ATM, it rejected the deposit and spit it back out. I then straightened the bills and re-inserted them into the machine. That is when the ATM did NOT return all of my cash to me. 

I immediately went inside to speak with a banker. They referred me to the US Bank 1-800 number. I filed a claim with a banker over the phone on this very same day. 

Fast forward 3 weeks, no response. 
I then called US Bank again, and was told that a claim was never filed on XX/XX/XXXX. 
To my confusion and frustration, the gentlemen submitted another claim for me. That was on XX/XX/XXXX. 
It has been beyond the 7-10 business days. 
I have been calling US Bank diligently these past several weeks to no avail ; getting the run around from each banker and supervisor. 
This is truly disappointing as I have never had such a terrible issue with US Bank.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

Hello, I have an existing Home Equity Loan with TD Bank, the same is under the forbearance plan in I which appreciate, as of I have decided to end this program, the bank offer different options to be able to accommodate the unpaid interest ; for that, there is an application and with that they request, the last 2 paystubs in which I had sent twice. After almost a month of the process, and many calls, no one seems to know what are they doing, all of the customer service had promised to call me back and never do. for whatever reason TD is asking if I have some sort of HOI ( Home Owners Insurance ), I had explained several times that I am not required to have a HO6 which covers the inside of the unit in the State of Florida ; however, in my monthly HOA dues it is included the master coverage for the condominium in which the bank must have because it is required to have as per requirement, as of XX/XX/2021 I have emailed the master insurance and I have requested a phone call and follow up. As you can see before, this is not my first complain about this institutions practices, lack of customer service, etc.
Consumer complaint received 2021-03-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (NY)

At the beginning of the pandemic hard times fell upon my family within my household. Home Point Financial offered me a forebearance option to get things situated and everyone safe. I applied for the forebearance but only needed it for four months ( XXXX-XX/XX/2020 ). I was current on all payments before that. Since XX/XX/2020 I have made all payments to date. I was originally told that I would have options to repay the four missed payments and that I would be able to choose one most suitable for my family. That is not the case. I have spoken to representatives for the past nine months appealing the only option they are now offering me which is to do a loan modification that restarts my loan at its original 360 month terms. They have tacked {$9000.00} onto my principal balance. The interest rate, even though they dropped it .25 % from XXXX to XXXX seems to increase my payment by {$25.00} a month. All I need is for the four delinquent payments to be added to the end of my loan. Such a Deferral was in fact listed as an option when the plan originally went into affect. If I accept this proposed loan modification I will lose 18 months of payments and add another 18. This is over {$60000.00} that I will be in essence paying for what appears to be a great injustice given the global and national crisis at hand. I can only imagine how many others are being taken advantage of by HomePoint and XXXX XXXX. I have contacted both XXXX XXXX and HomPoint continuously with horrible responses and no compassion. The VA has stated that they have now power or control of any terms being offered. Please help! We need help!
Consumer complaint received 2021-03-18
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: EQUIFAX, INC. (GA)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )