davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NC)

I refinanced my home with PNC on XX/XX/XXXX. I did not want to set up an escrow account, but the loan officer told me that it is mandatory for closing and I can call and cancel at anytime after closing.
- In XX/XX/XXXX I sent a request to cancel the escrow account. My request was denied and I was told that my loan-to-value ratio does n't qualify.
- In XX/XX/XXXX I sent another request to cancel the escrow account. My request was denied and I was told I have to complete 12 payments to qualify.
- In XX/XX/XXXX I sent another request to cancel my escrow account. My request was approved, but PNC demanded that I must pay approximately {$1300.00} fees for closing the escrow account. I talked to the executive client relation, and they told me the fees is to offset the rate discount I received at closing. I was never told that during closing. 

I read the contract and there is no mention of any fees dues when an escrow account is closed. I was deceived at closing, and I was given various reasons for the refusal of my request, and finally the bank want to charge me exuberant fees to sway me not to close the escrow account.
Consumer complaint received 2017-10-17
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. (IN)

XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc. (CA)

Coast To Coast Financial Solutions sent a collection notice on XX/XX/XXXX for a collection of a debt that was credited on XX/XX/XXXX. After contacting Coast To Coast Financial Solutions ( today XX/XX/XXXX ) about the debt owed was {$310.00}. I called XXXX XXXX and they confirmed the debt was credited. I called Coast To Coast Financial Solutions back 30 minutes later and the amount owed changed to {$320.00}. The representative explained it was more interest due!
Consumer complaint received 2017-10-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in XXXX XXXX I took out a loan for the sole purpose of increasing my XXXX XXXX. XXXX XXXX reported that my transunion score was XXXX. I received my loan, and made all payments early and have currently paid back over 80 %. I have 0 derogatory marks on my credit and a payment history on my home loan that is XXXX yrs and paid 78 % of the loan. in XXXX Transunion reduced my score XXXX points to XXXX reported on XXXX XXXX with no explanation why. It is commonly known that a score will drop when getting a new loan but this customarily well known to be similar to 10 points. I only had 1 inquiry, related to this loan, and is the only inquiry on record in many years. I have since paid this loan to over 80 % paid, but have only seen an increase of 7 points. I contacted the company on 2 occasions a few weeks ago for an explanation, even contacted the BBB and filed a complaint. The company response gave no answer as why the large decline and only offered every generic explanation that no one individual could possibly explain why the decline. The BBB closed the case. I might add that during this same time XXXX increased my credit score in XXXX by XXXX points with no decline. By taking out a loan to improve my score, Transunion has reduced my score by XXXX points bringing me from a good rating to a mid fair rating.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

After completion of reinvestigation ( Report Number XXXX ), Experian failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that Experian, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the reinvestigation. Experian failed to provide the complete requested description, in that, Experian failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment Experian_complaint.PDF ( Experian report XXXX XXXX, XXXX, my letter XXXX XXXX, XXXX, Experian reply XXXX XXXX, XXXX ).
Consumer complaint received 2017-10-19
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. (GA)

I HAVE SENT IN CERTIFIED MAIL AS WELL AS NOTARIED DOCUMENTS IN REGARDS TO THESE FRAUDULANT ACCOUNTS AND HAVE BEEN IGNORED OVER AND OVER I HAVE SENT A AFFADAVIT FOR IDENTITY THIEF
Consumer complaint received 2017-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX XXXX following the security breach with XXXX I obtained all of my credit reports and located a credit card account obtain from XXXX XXXX XXXX that Im NOT the owner of and thats reporting negatively on all three of my credit reports. I reached out to XXXX XXXX XXXX and disputed the account as not mine. I also submitted to the credit bureaus disputes along with A fraud affidavit and police report ... Ive since been identified as a fraud victim and all fraudulent accounts on my credit has been deleted EXCEPT for the XXXX XXXX XXXX account ... Im reaching out to you all because I feel this is a last effort to get this unauthorized/fraudulent account removed from my credit report ...
Consumer complaint received 2017-10-18
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC ()

Roundpoint mortgage company sold my loan to XXXX. I was never notified. For 5 months my mortgage was not paid ( it was on XXXX XXXX. I do not live in the XXXX and only found out about this when a XXXX XXXXXXXX XXXX contacted me about foreclosure. Since then, I contacted XXXX and paid the 5 months I was delinquent by phone. The very next day, and everyday since, I have tried to access XXXX XXXX website and it doesnt work. I have read tons of complaints about this company and am worried they didnt process my payment or some other shenanigans with my account. Please help. I would like to file complaints against both companies.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (PA)

Company : Goldman Sachs Bank USA Issue : This company is intentionally limiting the manner in which I can access my own account data. I use XXXX XXXX for budgeting purposes and this platform provides significant support in my pursuit for financial wellbeing and effective money management. GS Bank unilaterally made the decision to block XXXX 's access to any GS Bank account data, which prevents me from accessing my savings account data in the XXXX platform. This causes me to have an erroneous view of my holistic finances, which can lead to my making decisions that will be detrimental to my finances. 

The access denial is not even across the board for all aggregators. GS Bank permits XXXX XXXX ( XXXX ) to access account data while they refuse XXXX 's access to the very same data. I contacted GS Bank on XX/XX/XXXX requesting that they stop blocking XXXX 's access. They provided no response to me and did not lift the block. I sent another follow up message on XX/XX/XXXX and have, again, received no response and still am unable to connect with my account data through XXXX XXXX. 

I am closing my account with GS Bank on account of this and request that the CFPB investigate the unsound practices at GS Bank based on no identifiable logic whatsoever. Furthermore, I would like to see stronger guidance from the CFPB pertaining to aggregation and consumer access to data. I am fully aware of the risks that I incur by sharing my credentials with aggregators ; however, this is my decision to make and it is my accounts from which money might be moved should malicious actors breach an aggregator 's security and obtain user credentials. I knowingly accept these risks because the personal financial management benefits I get from aggregation services far outweigh the risks in my current financial situation. Ideally, the CFPB will mandate that all financial institutions over a certain size ( that are therefore financial capable of building out the necessary infrastructure ) implement oAuth and API-based data sharing so that customers like me can more securely access their data on their terms in the places they want to. 

Consumers beware, GS Bank thinks they know better than you what is best for your financial wellbeing. Or worse, they do not care about helping you achieve financial wellbeing and care only about limiting their potential liability, even though this can be done through terms and conditions presented to customers.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus.I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (CA)

I have always paid my purchases in full to XXXX ; s. they messed up and did not apply my payments correctly and when i discovered the inaccuracy i called them and was suppose to be fixed. however the issue was not solved and late payment fee and finance charge was added again, ,now we are 90 days into this matter with all late payments and fees. 
the representative promised to correct their error and remove finance charges. i closed the account the next day but received another statement showing late fees and finance charges again. now we are 4 months the mess and finally the account was closed and promised was made to me that all has been taking of and no further action is required. 
despite my repeated efforts this matter is still on my report and hurting my credit and i have been denied credit because of their errors in reporting.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.
Consumer complaint received 2017-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

In XX/XX/2017, I acquired a loan via Big Picture loans over the phone in the amount of XXXX dollars. I was led to believe that this would cost me XXXX dollars in interest over 6 months. To date I have paid via ACH from my bank XXXX and recently applied an additional payment of XXXX dollars to be applied directly to the principal. I contacted them today over the phone to express the confusion and asked how they could collect close to 3400 dollars in interest on a XXXX dollar loan and still be carrying forward a principal amount due of XXXX. I asked to speak to a supervisor and was then spoken to by XXXX. She sounded like she was reading from a script and kept stating that their system does all the calculations and when asked for the name of a human being that can make decisions, she had no reply but to once again refer to their system. I asked that the interest be stopped so that I could pay off the entirety in 4 more payments. She had no response except that I was welcome to pay off the loan early. In my financial position, this is not only improbable, but impossible. This loan is predatory in nature to say the least in that the payments over a 6 month span are 5000 %. 

While reading their documents, they appear to operate under Tribal Law, and as such portray themselves to be beyond the reach of the federal government.
Consumer complaint received 2017-10-17
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: WELLS FARGO & COMPANY (MD)

On XXXX XXXX, XXXX, I was the victim of an identity theft. A personal unsecured loan was issued to an unknown individual by Wells Fargo Bank. I notified Wells Fargo Bank of the fraud, and I placed security freezes on my credit report. Wells Fargo failed to properly investigate and they have refused to remove the credit inquiry and trade line from my credit report. I have provided my FTC Identity Theft Report to Wells Fargo, and I have provided additional documentation. However, they have not taken appropriate action nor have they complied with the Fair Credit Reporting Act.
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (ME)

On XXXX/XXXX/XXXX I came home from work to find a notice from the US Department of Education stating that a student loan of mine was in default. I had no idea I had this student loan. I have been making payments on the student loans I knew I had through XXXX XXXX. I was told that this loan was a XXXX XXXX which was given to XXXX and they said I never made payments and was in default so this loan was given back to the US Department of education. XXXX has never contacted me or given me the chance to pay it back. I now understand why my credit score keeps going down despite my best efforts to improve it. I feel that XXXX is at fault here.
Consumer complaint received 2017-10-16
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: Experian Information Solutions Inc. (AZ)

I have disputed the mistake in my report : XXXX XXXX XXXX # XXXX : This account has been paid off since the end of XXXX, why you report the status Late in XXXX XXXX
Consumer complaint received 2017-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

Please be aware we have and can provide a copy of an audio recording of today 's call in which multiple representatives from XXXX XXXX XXXX repeatedly refused to send my husband a letter describing why they started calling his cell phone on Saturday. Excerpts of that audio recording are attached with this complaint. We have stellar credit and in recently purchasing a home reviewed all our credit reports. So it would be surprising if the calls involve collection of any legitimate debt and regardless, the tactics used in refusing to send anything in writing were outrageous. In both calls, including the one that we recorded this morning, the company 's representatives repeatedly asked for my husband to disclose sensitive personal information to them over the phone -- including his date of birth and even his Social Security number -- before they would agree to tell him why they are calling. The call was on speaker phone so we could record it. When my husband challenged the supervisor for asking him to provide his Social Security number in an age when identify theft is rampant, she demurred that she was just providing him options. When we both asked the company to send information in writing, because we 're not comfortable giving out personal information over the phone, they eventually claimed the company sent a letter on XXXX XXXX. We said we did n't receive any letter and asked them to resend it. They refused saying they ca n't send us anything XXXX even to whatever address they have on file and that they would have used to allegedly send the first letter XXXX without my husband first providing sensitive personal information to them by phone. Multiple representatives, including but not limited to a supervisor who said her name was XXXX XXXX, another employee who said her name was XXXX, and another supervisor who gave his name as XXXX, did this repeatedly on the call that we recorded. The recording shows that multiple XXXX XXXX XXXX employees flat-out refuse to send anything about their collection purpose in writing. If CFPB is interested in taking regulatory action against this company, we can provide the much longer recording. In addition, the company indicated that it also was recording the call for verification and training purposes. So CFPB can also seek a copy of the company 's recording to further verify our complaint about their tactics.
Consumer complaint received 2017-10-16
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: Experian Information Solutions Inc. (MD)

On vacation in spring of XXXX, I went to visit my family in XXXX XXXX XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXX XXXX and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX Veteran. Therefore, I was medically retired in the Spring of XXXX by the Department of Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted XXXX XXXX and Experian about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per XXXX I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. Equifax refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
XXXX has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this matter.
Consumer complaint received 2017-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I received my XXXX statement from Capitol One there were four charges on it from 'XXXX ''. I had no idea who or what this was. When I called Capitol One they said that this waXXXX XXXX which I have NEVER used or even know anything about. They then gave me a phone number to call at this company ( which was not on my statement ) so I called them. The XXXX company could not tell me how this had appeared on my charge card because they did not have a XXXX account in my name. They then said that they would refer this to their fraud department and contact me within 3 to 5 business days. 

This was done on XXXX XXXX and to this date I have heard no more from this company. I just received my statement from Capitol One and no corrections were done to my account. The charges were {$100.00} ; {$100.00} ; {$100.00} and {$48.00}.
Consumer complaint received 2017-10-19
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: Santander Consumer USA Holdings Inc. (FL)

I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, Santander Consumer on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.