davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have noticed that the Consumer Finance Protection Bureau is finally investigating illegal practices that Wells Fargo has been implementing on their customers but I have not seen any investigation into a practice that I and hundreds ( probably thousands ) of customers have also been subject to. 

Ive complained to the CFPB before about this practice that Wells Fargo has been doing for years and have not had any investigation into this practice. All that was done in the past was to send my complaint to Wells Fargo and then come back a tell me that Wells Fargo looked over my complaint and feel they have done nothing wrong. This was the extent of their investigation.

Around 20 years ago, I went to Wells Fargo for second loan on my house to clear up some outstanding debt. At this time, Wells Fargo had not yet named their program. But, I told them I needed {$25.00} thousand to  pay off credit cards and a couple of home improvements. When I went back to the bank I was told I had a home equity loan of {$100000.00}. I did not think anything of it at the time but I told my friend what had happened and her comment was : If that happened to me, Id go out and spend it! Well, I paid off that loan a year or two later. 

Ten years ago, I went to Wells Fargo again to apply for a home equity loan of {$30000.00}. I dont know if it is because I have a lot of equity in my house, but when I went back to sign the papers after my approval, I was informed that I had been given one of their Smartfit Home Equity Line of Credit loans. And, instead of the amount I had asked for, this line of credit would be for {$170000.00} and I would only have to pay the monthly interest for the first ten years of the note. I feel there are thousands of us out there that Wells Fargo had pulled the same type of bait and switch program on. And, due to the recession, being laid off from my job I ended up spending the entire {$170000.00}. Im not proud of this happening, but I think Wells Fargo knew from past experience with other customers, that if you give a customer more than they want, chances are, they will end up spending it. Ill bet there are thousands of customers like myself that have gotten into financial trouble due to this practice by Wells Fargo. I also think they named this type of loan Smartfit to make customers feels this is a good idea to sign this type of note! Another thing they did with me was to offer a .25 % reduction on the interest if I would agree to have the payments on this note automatically deducted from my checking account! When it is automatically deducted, you lose track of how much your actual interest only monthly payment is! So, for the past ten years, I ( and many more customers Im sure ) have been making a payment to Wells Fargo ( {$650.00} a month in my case ) on a loan that I will never be able to pay off! Now the 10 year life of the loan has expired and my monthly payment has gone up to {$1000.00}, putting me in a financial bind.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I made the same mobile deposit I make every week for my payroll on XX/XX/2023 before XXXX to Citizens Bank . My payroll check is drawn off the same bank as my personal account and is usually available the minute I make the deposit. The bank however put a hold on my check and are not releasing my funds. In the meantime, payments for my house and school taxes went through and my account is negative while they are holding my money. Their policy states a one day hold, and if there is a 2 day hold {$220.00} will be released the following business day, which is today. Yet, they are saying there is nothing they can do about it and it won't be released until Tuesday XX/XX/2023. I have spoken to local office, back office and back office supervisor. They gave me case # XXXX and expect to have a response in 1-2 business days, which is after the check will clear.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I believe my bank, XXXX XXXX XXXX, is in violation of the Homeowners Protection Act of XX/XX/XXXX regarding the cancellation of PMI. According to this act, the law requires home mortgages signed on or after XX/XX/XXXX to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains 22 % equity in their home, based on the original property value ( lesser of purchase price/appraised value ). The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the date on which the principal balance of the mortgage reaches 80 percent of the original value of the property based on actual payments. 


On XX/XX/XXXX, I made a {$3000.00} payment to my principal. The bank did not apply it to my principal. I called and on XX/XX/XXXX, they corrected the mistake ( this is documented with them ) and backdated the principal payment to XX/XX/XXXX. 

At that point, my principal balance reached 80 % of the original value of the property based on actual payments. According to the HPA, my PMI should have been automatically cancelled. I called and spoke with someone at M & T on XX/XX/XXXX to ensure that it would be cancelled ; I was told that paperwork would be filed. 

On XX/XX/XXXX, my monthly mortgage bill was automatically deducted from my account as always ; I saw that PMI had been deducted. I called M & T again and was told that this was because the mortgage was in arrears and that the PMI would be removed for the XX/XX/XXXX payment. 

On XX/XX/XXXX I received a letter from the bank stating that my PMI Waiver was approved and that I would receive an escrow analysis within 60 days. 

On XX/XX/XXXX, M & T again withdrew PMI. I called today, XX/XX/XXXX, and was informed that the paperwork for PMI takes " awhile '' and so during the interim I would have to continue to make the PMI, but that my XX/XX/XXXX payment would not deduct it. I was told I would not be refunded for the PMI they took out after the cancellation. 


If I understand the HPA correctly, the date of termination should have been XX/XX/XXXX and, at that point, the PMI should have been canceled. I understand that it was in arrears, but M & T 's claim of " paperwork processing time '' seems to be in contrast with the HPA 's wording of " automatic cancellation. '' I believe that M & T is acting fraudulently, and that I am protected under the HPA act. I suspect that other consumers are being treated unfairly, as well.
Consumer complaint received 2018-05-01
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. (GA)

Transunion is reporting that I filed a bankruptcy on XX/XX/XXXX for {$0.00}. I sent a dispute letter directly to Transunion that I had not filed a bankruptcy for {$0.00} and the information they are reporting is wrong. I also sent a letter directly to the bankruptcy clerk to ask if they verify any information with the credit bureaus. The bankruptcy clerk stated they do not verify any information with credit bureaus. After TransUnion investigated, they stated the information was reporting correctly and would remain on my credit report until XX/XX/XXXX. I would have no need to file a bankruptcy for {$0.00} that makes absolutely no sense. TransUnion also would not provide the name of the company that they verified my bankruptcy with so I have the opportunity to dispute directly with that company. This is a direct violation of the FCRA and these credit bureaus are allowed to continue these illegal practices and tactics.
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION (AL)

I am concerned about what will happen if my house doesn't sell soon ; it has been on the market for three years. I have tried calling the Client Advocate Unit of BBVA Compass for two weeks but nobody answers the phone. I did actually manage to speak to one person after 8 days of calling ; she said there wasn't really anything they could do because my account was in good standing. I asked about deed-in-lieu of foreclosure or other options but the only advice was get a short-sale offer. I have not received any offers in t

hree years ; this didn't seem to concern them. Again I asked for other options but received no other advice. However, the next day they called my home number asking us to call them back. I have been trying everyday for five days, leaving messages, etc ...

Consumers are encouraged to call their bank before they experience difficulties. It is apparent that " doing the right thing '' is not the way to go. It seems quite obvious that consumers have to ruin their credit before anything will be done and by then it is usually too late. Two weeks I have been trying to get information to attempt to avoid foreclosure and for two weeks I have been confronted with a voicemail that apparently does not get checked. 
BBVA Compass show a complete disregard for their customers.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation (LA)

Telerecovery is reporting an unknown medical account ( s ) ( XXXX ) ( amount {$580.00} ) reporting on my credit report ( s ). I mailed Telerecovery a tracked letter via the United States Postal Services on XX/XX/2018, requesting validation of the debt/account ( s ) Telerecovery is reporting on my credit report ( s ). More than thirty days have passed since I mailed Telerecovery the letter requesting debt validation for the account ( s ) their company is reporting on my credit report ( s ) ; Telerecovery has not responded to my letter requesting debt validation. When Telerecovery did not respond, I contacted the original creditor ( s ) listed on my credit report ( s ) for whom Telerecovery claimed to be collecting the account ( s ) /debt on the behalf of. The original creditor ( s ) stated I did not have any outstanding debt/account ( s ) and that my medical insurance had paid the account ( s ). Moreover, Telerecovery placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Telerecovery never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ).
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I've been a user of Citibank XXXX XXXX credit card for more than 15 years, and kept my balance clean and used only for emergencies. 
I've always have paid it in time, and never had an issue with anything. 
I used it this year for unexpected expenses and I just noticed that they started charging me for a service I never requested ( XXXX ). 

The people at Citibank and as well as XXXX made it very difficult to find the right department to talk to, and the service has been cancelled, but they could not guarantee that they will reimburse all the charges they have been including regarding that service. 

This seems to be related to a practice for which Citibank was already fined back in 2015
Consumer complaint received 2018-04-27
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: EQUIFAX, INC. (CA)

I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.
Consumer complaint received 2018-04-27
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. (CA)

I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.
Consumer complaint received 2018-04-27
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. (CA)

I have disputed the account ( XXXX XXXX XXXX ) on my report that is continuously reporting incorrect information. I have contacted the original reporting company and after long discussions with them the issue is still not resolved and it is ruining my credit reporting. The reporting agency is not accurately investigating the issue.
Consumer complaint received 2018-05-01
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. (MA)

XXXX XXXX reported 9 delinquent accounts on my credit that lowered my score drastically. These loans are supposed to be under my Dad 's name as he is the one paying the loans. His phone number and home address are listed on the account. The first time I tried to resolve with the company I was rudely hung up on my one of their representatives.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at First Premier on XX/XX/XXXX under the account number XXXX with a balance {$700.00}, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX Bank. These accounts have resulted in fraudulent hard inquiries, fraudulent derogatory marks, and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs, derogatory marks, or hard inquiries as reported. The aforementioned accounts, collections, chargers, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX I sent XXXX a certified letter asking them to reinvestigate ( XXXX ) XXXX late payments that is being reporting on my credit file by this company XXXX XXXX who I have a personal loan with. I provided XXXX with statements that showed that I was never late with my payments and that this company is reporting my payment history inaccurate. Not even 30 days later I received a letter from XXXX saying that my payment history was verified. How was it verified? I sent XXXX another certified letter on XX/XX/year> requested the method of verification they used to verify these late payments and I have yet to receive anything from XXXX. I know I have rights as a consumer and I want these inaccuracies removed from my credit file. It is not right and these inaccuracies are hurting my credit profile.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (AL)

On today XX/XX/XXXX around XXXX XXXX I was contacted by Amsher a collection agency on behalf of XXXX XXXX XXXX. I was told by their CS Represenative that they were trying to collect a debt for XXXX XXXX XXXX for over {$200.00}. I told her that this was not possible since I had been to the XXXX XXXX XXXX in XXXX and they said nothing about my having a past due amount. I also let them know that I use XXXX XXXX and keep up with my credit and only had one derogatory remark on my credit, and it was not from them. I let her know that I would contact XXXX myself to find out what was going on. When I finally got someone in the billing department on the line she told me that XXXX had been sending out past due notices from XX/XX/XXXX through XX/XX/XXXX. I told her that I have not received any past due notices from them and that anything from XXXX had already been paid through Amsher in XXXX. I asked her what address they had on file for me and she told me that they had my old address that I had not lived at in over a year. I explained to her that even as late as XX/XX/XXXX, that I had to update my information with them since my insurance had changed as well. I also explained that I had been to XXXX a couple of times since my move in XX/XX/XXXX and not once had they said anything to me about an outstanding balance. Now I have a new derogatory on my credit. She said that they had been mailing me notices to my old address and pretty much told me that it was my fault for not changing my address with them. Not only did I change my contact and insurance information with them, but also did an address change with the post office XX/XX/XXXX. I receive all of my other mail from the old address no problem. She could not tell me why I had not been informed when I went to XXXX in person that I had a past due balance. They show that I owe balances from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at not one of these visits has anyone said anything to me about past due balances. I have the same cell phone number that I have had since XXXX, if Amsher had the phone number to contact me then why hasn't XXXX XXXX XXXX contacted me on the same phone number.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (OH)

Midwest Recovery Systems has failed to send me any validation documentation whatsoever. Midwest gave no notice at all before placing on my credit reports. Midwest has ignored 18 emails in the last 30 days. They refuse to correspond with me via email or mail. Midwest has over 800 complaints with the XXXX XXXX XXXX. 

Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Amount : {$860.00}