davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP (MA)

My sister and I applied for an RV loan at XXXX  XXXX. After initially checking our credit and prior to applying with any lenders the credit person at XXXX XXXX informed us that we would not be approved because we have never had credit together. The Credit person then asked me to take out the loan on my own. I refused. He stated that a small local lender may make the loan but at a higher rate. I ask him to apply for the loan through US Bank , XXXX XXXX XXXX and the local banks to see what comes back. 

My sister is recently a widow. She is XXXX years old with not debt other than her mortgage and a XXXX FICO. Plenty of income and cash in the bank. I am XXXX XXXX FICO no debt other than my mortgage and again plenty of cash in the bank. This is a very low risk loan. We wanted to buy this together for the family, so we could all spend time together. The plan was also to help her reestablish herself on her own, so this new was devastating to her. 

XXXX XXXX XXXX XXXX  made the loan and gave us a great rate but US Bank sent us a vague AA letter. I had to request in writing the actual reasons and i am still waiting for those. 

The fact is this process and policy is wrong, I have been iXXXX XXXX long enough to know that, in fact anyone who has taken a single RegU course on lending would know that. XXXX XXXX made the situation right by finding a lender but how they got to that point was wrong. At the end of the day if US Bank or any lender can require someone to previously have credit together they can in essence prevent people like my sister a widow from obtaining credit. This policy is Unfair to a  segment of the population. 

Please email or call me if you have any questions. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; XXXX filling XXXX XX/XX/2015 2015
Consumer complaint received 2022-09-05
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: WELLS FARGO & COMPANY (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/05 Balance : {$0.00}
Consumer complaint received 2020-09-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters out certified over 60 days ago and more than once. I didnt get notified of my results from the disputes and as a consumer i feel like these clowns taking advantage of normal people.
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

My lease with Hyundai Motor Finance was returned on time on XX/XX/2020 and a confirmation including an apology letter was mailed to me by XXXX. However on XX/XX/2020 HMFUSA reported a 30 and a 60 day late payment resulting in a serious decline of about 100 points on my score. After calling them they confirmed that it was a mistake on their end and advised me that someone should fix this within 7 days. I also opened a dispute with XXXX  on XX/XX/2020. Until today XXXX  has not been updated from HMFUSA.

I started a refinance for my home on XX/XX/2020 and it turns out that I am unable to get the lowest APR due to a low score of XXXX as this time. However as confirmed by multiple loan officers that if my score was more than XXXX I would qualify for the top tier and would save more than {$10000.00} on closing cost plus about 0.7 % lower APR than offered. My score on XXXX  is XXXX as of today because there is no delinquency reported on it, but unfortunately Mortgage companies look at middle number which is XXXX as of today which does not qualify me for top tier. 

I have lost my sleep, my appetite over this. I have called XXXX 4 times so far, crying in front of them but they don't seem to care. 

Please help me.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (MI)

I had my mortgage with chemical bank which recently made the official conversion to TCF Bank. This complaint is in regards to TCF. I tried logging in online to make my payment at the end of XX/XX/2020 for my XXXX payment. I couldn't log in to anything. I tried again a few days into XXXX thinking maybe there was an issue with my conversion and it couldn't locate me. 

XX/XX/XXXX I called TCF and was waiting for just over an hour. They had a message that they were experiencing high call volume. I couldn't wait any longer on hold at work and decided to try again. 

XX/XX/XXXX my coworker stated that they bank with TCF and the account numbers never changed. They did have to reset their online banking. I tried unsuccessfully for 30 minutes to log in with my mortgage loan number, and my old checking account number. But despite my attempts, nothing worked. 

I called on XX/XX/XXXX and XXXX, both almost an hour and a half. I had to return to work. No one picked up and there's no way to leave a message either. 

I repeatedly tried to log in to my account online. I tried logging into my old way to make a payment as well. I'm currently on hold XX/XX/XXXX, and I've been on hold for over two hours with no way to leave a message and no one to respond. 

I work from XXXX XXXX  to XXXX XXXX  every day. I don't know how to get ahold of someone. I want to pay and I have the money, but there's no way to set something up. I'm afraid to mail in my check with an old account number because what if they don't apply it to the correct account? I just want to pay my bills. I can't go to a branch because I work during the hours they're open.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NH)

Equifax has no record of any credit activity at all, and can not pull up my information, despite years of credit history existing. 

I initially applied for a home loan and was informed by the bank that it appeared I had a credit freeze on Equifax. 

I then called Equifax customer service the first time on XX/XX/2020 to inquire. I was informed that I needed to submit in writing a letter to their fraud department. This letter was to contain a copy of my drivers license and social security card with a brief description of the problem. I complied and submitted the letter as required. 

On XX/XX/2020 I received a rather unhelpful response back by letter which I have attached. Stating mainly that they do not have a credit file for me currently. 

That same day I called their customer service for the second time to inquire how that is possible considering I have numerous creditors that supposedly report to all three major credit agencies. I have years of accurate credit history showing with both XXXX  and XXXX. 

They simply told me the computer is pulling nothing up and suggested I call my creditors and have them resubmit the information. 

I called XXXX XXXX that same day on XX/XX/XXXX and they suggested I submit a complaint and offered to submit one on their behalf. 


Essentially Equifax has no record of any credit history and the issue is not being resolved. It is inhibiting my ability to purchase a home.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I went to make a purchase at Macys In XXXX Florida with a {$200.00} Macys gift card, that was purchased 3 years ago and was told it had expired XXXX XXXX. Gift card had no expiration date on the back. After 2 hrs of trying to resolve the problem with corporate, I explained that in the state of Florida that a Law was passed in XXXX stating that gift cards have no expiration date. This issue is at a high level considering how many consumers are being gouged. XXXX needs to be held accountable for their lack of fair trade. Someone paid them in good faith XXXX dollars and they give the customer nothing. It sickens me to think how a large cooperation can steal from the consumers this way.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under IC Systems , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as IC Systems , Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CT)

This debt does not belong to me. I have already disputed this debt in writing in XX/XX/2020 with the company and they did not validate this debt as belonging to me. It was removed from one credit bureau but still remains on the other.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (LA)

The home that i purchased in 2015 was just recently deemed unlivable by an insurance adjuster due to Hurricane Laura that hit Louisiana coast. My home like many other 's was destroyed now i am getting calls from 21st mortgage company inc. wanting me to hound the insurance for money to pay off the home and even make payments on the home that is no longer. They are wanting payments and they demanding i call the insurance company demanding payment. I can't make the insurance company complete anything faster than they are already are.
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (NC)

XXXX XXXX continues to contact me and interfere in business dealings and my health over a two year old debt for services that were authorized with my previous insurance company in XXXX. The company continues to charge COVID tests that are free due to be uninsured. When I am attempting to have tests run for employment or as an uninsured person they continue to press the issue of {$130.00} that is the result of the organization not being authorized to run test under the said insurance company on question along with not report back to my pcp to clear up any outstanding bills. XXXX XXXX has forwarded these outstanding bills to a collections agency now after tests were run for COVID.
Consumer complaint received 2020-09-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (CA)

I have been in contact with Sallie Mae since my graduation in XXXX of XXXX in order to get my repayment plans figured out. I started calling about options in XXXX of XXXX knowing that I would be required to start paying them back soon. I asked what my options were for repayment, I was given the option of a graduated repayment plan or forbearance. In XXXX of XXXX, I tried to call again to see if there were options for an income based plan like my federal loans. Again I was informed that I only had two options. In XXXX, before payments were due, I asked again about options. I was told my options were to pay the loan at the graduated rate for a year of {$360.00} for one loan and {$84.00} for another loan, or put it into forbearance. I asked if I could consolidate the loan, I was told no. I asked again for a repayment plan, I was told no. I decided to accept the graduated repayment plan for one loan and put the other in forbearance. XX/XX/XXXX I call again to explain how I financially can not afford to give the company more than {$360.00} a month in repayments. I was told that the only way I can talk to the hardships department is to have my loan go into a pay due balance. I said I did not want to do this as I dont want to purposefully miss a payment and have it affect my accounts and credit score. I was told that there was no other way to speak to the hardship department, and that I could either pay them the graduated repayment plan, go into forbearance again, or not pay and go past due my balance in order to get in touch with the hardship department. There has been no one to help me try to work out a repayment plan in order to get ahead of my loans.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (MI)

My American Express card had a balance on the XXXX 2016 statement. I paid that balance with an auto-pay and there were no charges before the XXXX 2016 statement was due. American Express refused to provide a statement showing the prior balance, payment, and XXXX balance. The " Live Chat '' told me it was " not possible to generate a statement that shows XXXX balance, the payment transaction and the prior balance ''. So why is American Express exempt from reporting all financial transactions on their credit card statements? Are they above the law?
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had a XXXX XXXX credit card that I did not use very often. I notice that I owed around {$80.00} and as soon as I saw it was due I paid it 1 day late the full amount and paid off the card. I get a statement weeks later for {$31.00} in late fees which is ridiculous and a rip off. I called them to let them know I paid the card off and I do not want to pay a late fee for a payment I made a day late. They offered to deduct {$15.00} of it and I told them I did not want to pay any of it. Again, they told me that XXXX XXXX isn't offering any negotiations and the best they can do is deduct  {$15.00} of the {$31.00}. I told them again, I do not want to pay for air and I should not have to pay for this fee since XXXX  XXXX is no longer. They put me on hold for about 5- 10 minutes and hung up on me. I called back right away explained again, the situation and they stated they could not do anything about it. I asked about the {$15.00} deduction and now that doesn't exist. They told me that is not an option. I told them they are ripping me off and I refused to pay it. I received another statement for {$64.00} and again, I called them to discuss this, they put me hold and hung up. Meantime, they have been calling me 3-5 time per day for the  last two weeks and I am also complaining harassment over {$31.00} for nothing!!! Now {$64.00} in interest fees again for nothing!
Consumer complaint received 2020-09-29
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. (MI)

I recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KS)

I am a single mother of XXXX, things have been super tough with COVID and money is tight. On XX/XX/XXXX I deposited my paycheck through mobile deposit on my US bank app, says it would post to my account by XX/XX/XXXX. First I only deposited my check on a Saturday because I had to wait a week to get my check because the post office delayed delivering it. So I finally received it on Saturday XX/XX/XXXX, I did mobile deposit because I didnt have enough gas to drive to the bank. US  bank made {$220.00} available immediately and said the rest would be available by XX/XX/XXXX. I used some of the money and on XX/XX/XXXX I checked to see if the check posted so I could pay my bills and my account showed it was negative {$210.00} and check still had not posted. I called US bank to find out why my account was negative and they told me there was a 7 day hold on the check. The customer service representative told me that only a branch manager could release the hold and I asked to be transferred to a manager and was sent to an automated system that hung up on me. I called several bank locations and no one answered the phone, I finally got a hold of someone I spoke to XXXX at the XXXX XXXX location and he told me that I would need to speak to the manager at my home branch, I told them no one answered. He said he would try to reach out to that bank manager and give me a call back. 2 hours later I received a call from XXXX at the XXXX XXXX XXXX location, I asked about why there was a hold on my paycheck my check was only {$1000.00}. He said he had no idea that the system didnt say the exact reason but said it was probably for fraud and that they needed to wait to make sure funds cleared and told me he could not remove hold. XXXX said there was hold on check until XXXX and that I would have to wait until then, this is longer than the 7 days I was originally told. Even though I was told XXXX had the power to remove hold he said he couldnt, I asked if there was anyone at US Bank that could remove the hold he said nobody could. Find the hard to believe that, a bank that has millions of customers cant release a hold off a check. I then asked about my account being negative and about the fees they will charge me for my account being negative and he told me that I would have wait until they charge the fees to my account and then he could wave 3 of fees but that was it. I just want my check released, my lights and water are going to be cut off by the end of the week. I cant wait until XXXX. It is unacceptable for my bank to hold my check for a week and a half and then turn around charge me fees for them making my account negative. I plan on suing US Bank for being unethical and holding the money of a single mother of XXXX and allowing her lights and water to be shut off after she worked 80+ to earn that money and now cant buy her daughter a gift for her birthday tomorrow.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have filed disputes to all XXXX credit bureaus since XXXX  about my student loan, which is in good standing. They have my student loan listed as in good standing and in closed and default? How can that be? For 5 years I have been fighting these XXXX XXXX to fix my credit report and yet nothing! As a single mom that is also a XXXX  XXXX XXXX  this is just another form of abuse towards me that is preventing me from buying a house for my daughter and I! I have filed disputes numerous times to get this fixed and they keep saying to call student loans which say it is in good standing. Please help me this Id XXXX!
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

Better.com refuses to provide credit DTI calculation information why they have adjusted the original Loan Estimate that I agreed to move forward with. XXXX XXXX, Processing Expert, NMLS # XXXX, called me at XXXX XXXX CST on XX/XX/2020 on a recorded line and refused to provide accurate calculation information. Then he hung up on me while I was demanding fair lending information to show why my loan was being declined.