davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BOK FINANCIAL CORP (MO)

During my attempt to bring my loan current and prevent the amount to do so getting higher than that of the already difficult past due balance I asked a real estate broker for clarification on the information being provided by the servicer of my loan. The broker and I called a representative from BOKF na loss midigation dept that I have been actively working with but I could n't get the same answers to any of the questions that I needed to get answered in order to help save my home. During this conversation the broker started to make statements I was not comfortable with so I asked her to drop off the line and I did not want her help. After the conversation the broker called me and told me her and XXXX XXXX discussed my situation on a separate phone call, I was not present and did not authorize the broker to speak on my behalf or make any Arrangements with XXXX XXXX. I wanted answers to questions ... where do I make my payment, is it okay if I make my payment at the bank or something else that is the surest way to make the payment and be successful. 
By this time I had already attempted to make several payments to bring my loan current but in the end when it came down to making that payment somehow the information I was given was incorrect and delayed the payment. When I missed those payments it made my past due balance another month behind which added another {$850.00} to bring my loan current. It is hard for someone who is not working to come up with large amounts of money in a short period of time not to mention the additional payment which makes it even more difficult to come up with in order to bring my loan current. I do n't understand why someone could n't just tell me the place to make my payment the first time that I needed to make the past due payment. Once my payment was rejected because it was n't the full past due balance after that the other two payments we 're in for the past due amount. If I could n't make my payment the regular way because I was in default why did I not get another option for when I tried to bring my loan current where does the payment go that could have avoided my payment being rejected when I call 24 Hour banking service the man told me that I no longer have that privilege when I spoke with the underwriter who did my loan XXXX why did she tell me that I could make my payment that way after I told her my loan is in default and it is past due. All I wanted to do was bring my loan current and give them money but I could n't because I was not informed of who or where to make these payments that would end successfully with my payment in the hands of the bank. If the loan originator of the bank text messages XXXX XXXX with XXXX and then XXXX has a conversation with the real estate broker without my knowledge without me being on the phone the broker tells me that they just had a conversation about 5 minutes ago that I was not a part of that is not okay
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXX , XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, has violated my rights. 

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 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

This loan is with Santander Consumer USA. My vehicle was repossessed in XXXX of XXXX. The vehicle was sold off, and the balance put forward onto my loan amount as per our lending agreement. However, after this, there was a remaining balance of about {$2000.00}. I was struggling financially but was able to make a settlement agreement of a one-time {$1200.00} payment in XXXX of XXXX. I sent the payment in three money orders : 2 for {$500.00}, one for {$200.00}, all packaged in the same envelope, and I saved the receipts. They now say they only received the 2 {$500.00} money orders and not the 1 for {$200.00}. Despite this, all three receipt tracking numbers show they were cashed on XX/XX/XXXX. 

Because the agreement expired, they are now saying I owe additional money on the account. Ive spoken to their customer service on numerous occasions, faxed the receipts over twice, but theyve requested that I pay money to order a front and back copy of the money order. This is absolutely unfair because they were the ones who lost the payment.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

Account # : XXXX Charge Off/ Collections, and Late payments Reporting of late payments or transaction history are illeg

al 15 U.S. Code 1681 ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; Once there is a Charge Off a 1099C needs to be given to the consumer, which I have not received. 15 U.S. Code 1605 A ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. A charge off turns into income and should not be reported on a consumer report.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-27
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. (TX)

I didn't authorize the following hard inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TX)

Cash app has a pending transaction for XXXX. Its been in there since the XXXX. They asked Me to have the hotel send a letter and receipt showing XXXX balance on order For them to release the funds. I did that. And they still have not released the funds. No explanation and wont reply to my messages. The ironic thing is XXXX weeks ago. I had the same issue and they re-funded the money with no problems and this is the exact same scenario.
Consumer complaint received 2021-12-07
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. (TX)

I the federally protected consumer by Fair Credit Reporting ACT has my harmed by Equifax a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My debit card number is XXXX XXXX XXXX XXXX. Chase has restricted my account for over one month and promised to send me the checks for the remaining balance, but it is nowhere to be found. When I called them, some said that the checks had been mailed out some said it hasn't, so I am confused about whether the checks have already been mailed out since I didn't receive any official notification from Chase.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

See CFPB complaint # XXXX. This is a complaint that is completely separate from the complaint below but are connected in terms of the consequences the complaint above is having on the complaint below. 
My stepson XXXX XXXX had a debit card associated with his mother 's checking account with Chase. My wife has a credit card with Chase that is being reported as 245 % over its limit which is the reason behind CFPB complaint # XXXX. 
XXXX applied for a credit card and was denied because he was being reported as having a credit card 245 % over its limit when he does not. Chase claimed this was happening because his bankcard was connected to his mothers checking account. XXXX then closed the account he had in connection with his mother and opened an entirely new and separate card in his own name and with his own social security number and when he applied, he was denied because his credit report list him as having a credit card 245 % over its limit when he does not have any credit cards in his name at all.
Consumer complaint received 2015-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP (NY)

Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( 1 ) XXXX  XXXX Account Number XXXX ( 2 XXXX XXXX XXXX XXXX XXXX account number XXXX ( 3 ) XXXX XXXX  Account number XXXX ( 4 ) XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

the lender has neglected to postpone sale during the review process of loss mitigation - the lender deemed the package complete on XX/XX/2017 - sale date is set for XX/XX/2017 Please suspend all foreclosure activity during the review period in accordance with Section 12 C.F.R. 1024.41 ( g ).
Consumer complaint received 2023-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

This company is worse than the other one I previously had! Since they have taken over my contract, they have been harassing me with many calls and left messages on my door, and it has become an everyday thing of this! I have started the paperwork for a loan modication and but there are still some things that are needed that I am working! But the harassment needs to stop! My finances have changed drastically, and so this why this i did the forbearance! But I am just tired of it! Please help!
Consumer complaint received 2023-10-29
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Ive tried several times to pull my Transunion credit report several different methods and it comes up blank. I contacted Transunion and was transferred everywhere and was finally told my Transunion report is being suppressed. I wasnt given a reason. Im trying to purchase a home and was told I can not because Transunion is blocking my report/ score from being seen on every credit reporting platform.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (AZ)

I have been a loyal and ( mostly ) satisfied Credit Karma user. A few months ago, I read that Credit Karma began a " guaranteed approval '' rating for credit cards. Basically, it says if I apply for that card, I will either be approved, or Credit Karma will pay me {$50.00} on a card.

I tried to read the fine print. All I could find ( and all I see now ) is a small popup with 6 paragraphs of vague language. It said that an applicant was eligible as long I " fully complete an application for this credit card offer ( including providing any documents required ) while signed in to your Credit Karma account, and be declined. '' It did not state that I was required to receive an instant decision. It also did not include a link for further terms and conditions. According to this small popup, I met all the qualifications. 

I applied for a XXXX XXXX card on XX/XX/2022, through the Credit Karma website. I provided all the requested information and submitted for approval. Within a minute, I received a reply that XXXX XXXX needed more information, and they would mail me in seven to fourteen business days. 

I waited two weeks for some correspondence, only to receive one letter from XXXX XXXX that my application was denied. They never requested any further documentation or information. I was under the impression that meant I was eligible. 

A month passed with no correspondence and no gift card. I e-mailed customer support to inquire. They informed me that my application was listed as " incomplete. '' Even though XXXX XXXX denied me, Credit Karma could slip out of the deal because XXXX XXXX mailed me instead of giving me an instant decision. Credit Karma customer support was unable to help me any further. Now I have an inquiry on my report and nothing to show for it. 

A short, vague summary of the rules is inadequate when the consequences can profoundly damage a person 's financial health. I am scrolling the website right now and STILL can not find any expanded information that could've warned me. I never would've applied if this rule was CLEARLY stated.You would think that considering the legal problems CK is having with their credit card offers and eligibility claims, they would be more transparent with the terms. 

This was a disappointing and frustrating situation.
Consumer complaint received 2024-08-04
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: Experian Information Solutions Inc. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2015-05-29
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (CA)

Last year my husband and I bought a house. The loan was done through XXXX. When did applied for the FHA loan we were told by the loan officer XXXX XXXX, that we qualified for a Mortgage Credit Certificate based on being a first time home buyer, credit income and income requirements. A year later as we are doing our taxes we realized we never received the MCC certificate. Later after investigation we find out the loan officer never processed the MCC application with the loan. Therefore, now every year we file we can not claim that tax credit which is 20 % of your annual mortgage interest will be a direct federal tax credit, resulting in a dollar-for-dollar reduction of your annual federal income tax liability.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (CA)

I have had multiple servicing issues with MB Financial, mostly with payment submission. 
Issues that I have experienced include : 1. Website availability - I have made multiple attempts to make payments, but received errors due to website not working. This has caused multiple sign-on attempts. I do n't understand why the website would not be available during payment due date times ( seems like a way to maximize late payment fees ) 2. Customer Service Wait Times - When I have had payment acceptance issues ( not my fault ), I would call customer service to make the payment. Wait times have normally exceeded 30 - 45 minutes to talk to a customer service representative. 
3. XXXX XXXX XXXX - I have had to have my user name re-issued multiple times. This has been caused by system changes and servicer conversions. This has caused payment submission issues. The difficulty in getting my user name took multiple website attempts and calls to customer service. 
4. Account Information Validation and Saving - It is common place in today 's payment acceptance world to both save account information to submit payments and have a recurring option to submit payments. MB Financial has neither. Also, when I have submitted account information, they have no validation to insure account information is entered correctly. 
5. Bankruptcy Declaration Letters - For each payment I have submitted, I have received information regarding bankruptcy rights and collection of delinquent accounts. I am neither in Bankruptcy ( or have ever filed Bankruptcy ) or delinquent on my account. This has caused a high level of anxiety that they are incorrectly reporting my loan status and treating me as a Bankruptcy account. 
6. Incorrect Account Information - MB Financial 's systems have provided incorrect information multiple times. I have used their automated system which has provided inconsistent information with their website. Additionally, I have tried to provide account information on the automated systems and they are unable to authenticate my account. I do not have confidence in their ability to manage my account and the financial transactions I complete. 


This servicer has been very unprofessional and needs to improve its processes and procedures to meet basic customer needs. They are definitely operating on a shoe-string budget as evidenced in their technology and customer service. Hopefully they will improve as many other customers in good standing are being treated in an unfair manner and we are paying for this company to service our loan.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

XX/XX/XXXX, during the time taxes are paid, we refinanced our mortgage. At the time, our lender, Loancare paid our taxes of just over 5k and also our title company at our closing paid too. I called county to see what happened and they told me they received payments from title company and that Loancare should reimburse us what they tried to pay ( {$5000.00} ). Since XX/XX/XXXX, I have called Loancare to find the status of our money 8-10 times. I have XXXX documented calls of who I 've spoken to, however, I get the same answer, " we are having your issue escalated to our tax department and they will review. '' I 've been told that someone would follow up and nothing ever happens. At this point it 's now been 2 months and I have no idea where our money is.