davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DISCOVER BANK (FL)

Initially, I was shopping for HELOC products without running my XXXX XXXX and checked a few lenders, including Discover XXXX XXXX. 
When I received the call from the Discover 's representative XXXX XXXX XXXX ID # XXXX on XX/XX/23, he stated that Discover could do a no appraisal loan based on the XXXX, which he checked the value as XXXX. 
The representative provided the rate based on the soft credit and then requested that I release my credit, which could be FCRA violation. I was very clear about the fact that I needed to make sure that everything that he was stating was correct, and he said yes, it was. As a result of the promise from the Discover associate, I have released my credit freeze and allowed Discover to run my XXXX XXXX. The commitment, however, was not fulfilled because I was told after the fact that I needed a drive-by appraisal, which I was not told about initially. 
Furthermore, after the drive-by appraisal, I was told that I needed a full appraisal, which could be considered a total bait and switch from the initial phone call. 
I requested from Discover to listen to the phone call at the time of the application but received no response. 
I am requesting from Discover to make it right for me and provide the loan based on the original agreement. I will get the loan based on the value and 80 % XXXX.
Consumer complaint received 2024-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (CA)

PNC Bank purchased my mortgage from my old mortgage company in XX/XX/XXXX. PNC Bank implemented an auto billing of my checking account without my authorization. I refused to sign the paperwork that would authorize it. I made separate payments to the new mortgage company, PNC, without issue. They continued to auto charge my bank account without my authorization, after I had already paid for XX/XX/XXXX, resulting in an overdraft of my bank account. My bank charged me a fee and now PNC charged me a fee of {$25.00}. I never gave PNC authorization to auto charge my bank for mortgage payments and now they are demanding a NSF Fee. My mortgage is in good standing and I have never missed a payment. I am actually a month ahead. 

Again, PNC never received an XXXX authorization from me. I never signed or authorized them to auto bill my bank account.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc. (MI)

Hi there, My name is XXXX XXXX I used Taptap to send {$120.00} to XXXX on XX/XX/2023. After 2 days of sending the Money the recipient was there to pick up the money Bank told the recipient money is not available to the bank yet. So, I called Taptap customer service to cancel the order and refund me back they told me they told me they cancelled the transaction and will refund me within 10 business days now its more than a month still didnt receive anything or confirmation email. I called them several of times they kept telling me they are working on this. Pl I request your help on this matter. I appreciate you so much. Thank you! 
I attached some pictures please check XXXX XXXX
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I had an account opened with wellsfago. My account isnt able to be be ever overdrawn n on several occasions it was up to {$300.00} at a time. I would put the money into the account to fix it n after about the 5 time of this happening I called n complained n filed a dispute. When I did so I was informed that they were closing my account. N it was to be frozen from any more auto payments deposites n withdrawal being done. Since then the account is still open. N my XXXX account has had to auto payments taken for the month of XXXX XXXX XXXX XXXX has told me that the payment has been returned n I had to make payments other ways. So when I find out how that is possible the rep was very rude n refused to provide me with any info bout how this happen.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

The closing date is on XX/XX/2024, and I paid the HELOC completely off on XX/XX/2024. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (AZ)

The closing date is on XX/XX/2024, and I paid the XXXX  completely off on XX/XX/2024. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!
Consumer complaint received 2024-02-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I have been deligently paying my balance with Care Credit from Synchrony Bank and have set up an automatic payment with my bank 's bill pay. I never missed a payment each month and I pay more than XXXX times the amount that is required by the bank. However, I didn't realize until recently that the date I set up my automatic payment is a week later than the due date imposed by Synchrony Bank. I called their customer department and asked to have some of the fees waived, but I was told that they can only waive the current month 's late fee of {$41.00}. The late fees that they put on my account has totalled {$450.00} when my current balance should only be {$280.00}. I asked to speak with the supervisor but was told that their system can only waive the current month 's late fees so no matter who I speak to, the result will be the same. I had no choice but to write directly to their CEO, but again, the response I received was that they can only waive {$41.00} of my total late fees. I don't believe that the late fees they have imposed on my account is justifiable. {$41.00} is more than the interest rate that they are collecting on my balance. This plain and simple greed on the bank 's part. I would like to have all these fees waived if possible. Thank you.
Consumer complaint received 2024-03-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CA)

I simply want a Graduated Extended payment plan for my very large Parent PLUS loans -approx {$200000.00}. It does not require a particular income and does not involve forgiveness of any kind. I had one for my own student loans and it was granted as a matter of course. Mohela is treating it as a kind of forbearance or forgiveness plan and requires income information, which I have provided, but which is not necessary. Here are the dates of my previous applications and Mohela 's responses so far. I will begin monthly payments as soon as the XXXX XXXX plan is approved. 

Appplication date : XX/XX/XXXX - as soon as Mohela notified me of the upcoming payment amounts for XX/XX/XXXX. Response : XX/XX/XXXX : " Your loan ( s ) are not currently in repayment. You may reapply once your loans are in repayment. '' Application date : XX/XX/XXXX. Response XX/XX/XXXX : " Your loan ( s ) are not currently in repayment. You may reapply once your loans are in repayment. '' My loan was on an administrative forbearance until XX/XX/XXXX because Mohela was late in sending the XX/XX/XXXX bill, I believe. 

Application dateXXXX - Processing Application date : XX/XX/XXXX- Processing Application date XX/XX/XXXX - XXXX I have called several times over the months. The customer service representatives are not empowered to help, they just say the application is " processing. '' For the last XXXX applications, the website states I should be receiving an answer in " XXXX to XXXX business days. ''
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Free access to credit report has disabled. I am unable to obtain a copy of my transunion report after several request through website, annualcreditrepirt.com and request by phone per website advisement.

I am unable to dispute any of the inaccurate information with any of the 3 bureaus at this time. All online access from previous fraud alert program has been disabled.

In addition, All 3 credit reporting agencies have not updated my report nor my score with current accurate information
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (GA)

To whom it may concern, This is in response to a denial of credit letter that was sent to me dated XX/XX/year>. 
I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 ).

I demand access to my credit immediately, with open-ended credit pursuant to 15 USC 1602 ( J ). If you do not perform your fiduciary duty and follow the Action given, I will be forced to report you to the SEC for securities fraud alongside a financial securitization audit of my account. Please keep in mind, fraud has no statute of limitations and I will seek all remedies to the fullest extent of the law. We need not be at odds, I implore you to work with me for the continued prosperity of your company. I look forward to future investments with you.
Consumer complaint received 2024-03-30
Product: Credit reporting 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. (FL)

I noticed multiple unauthorized hard inquiries from my report. I reached out to Experian, who advised me to contact each of the companies responsible for pulling my credit report. I called back to Experian to inform them that the companies are not responding to me and they continue to inform me to reach out to the credit bureau, which is Experian! Experian informed me to go file a police report! No. Experian can do their job and obtain the document that contains my signature that I authorized these inquiries, which i didn't! I have spent hours writing these companies, calling Experian, disputing with Experian and unfortunately the same response Inquiries are a factual matter. Which is NOT TRUE! Therefore, I am requesting a thorough investigation into this matter to verify the validity of the hard inquiry. Additionally, I ask for documentation or evidence demonstrating my authorization for these inquiries. Please provide a written response detailing the results of your investigation and any supporting documentation within the timeframe outlined by the Fair Credit Reporting Act.
Consumer complaint received 2023-10-31
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)

I am writing to express my extreme dissatisfaction with the manner in which my multiple attempts to rectify inaccuracies on my credit report have been handled. Despite repeated efforts to correct late open accounts on my credit file, the issue persists, causing substantial harm to my financial standing and overall quality of life. 

These late open accounts are causing substantial damage to my credit score and financial well-being. I have diligently followed the proper procedures for disputing these inaccuracies, including submitting supporting documentation and adhering to the statutory guidelines outlined in the Fair Credit Reporting Act. 

Despite my efforts, the errors remain on my credit report, and no corrective action has been taken. I am deeply concerned about the adverse effects these inaccuracies are having on my ability to secure loans, credit, and employment opportunities. 

I have attached copies of all correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and timely investigation into the matter to rectify the inaccuracies on my credit report. 

Furthermore, I kindly request that you provide me with a written response detailing the results of your investigation, along with any steps taken to correct my credit report within 30 days of your receipt of this complaint, as stipulated by the Fair Credit Reporting Act. 

In addition to the corrections, I also request that the credit bureau provide a written statement of the actions taken to prevent such inaccuracies from reoccurring in the future. This is essential to ensure that other consumers do not endure a similar ordeal. 

I am also willing to cooperate and provide any additional information you may require during the investigation process. 

Failure to address this matter satisfactorily will leave me with no alternative but to pursue legal action to rectify these inaccuracies and seek damages for the financial harm caused by this situation. I am asking for your assistance to correct the following late open accounts in my credit file : 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 2021-09-02
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (VA)

XXXX XXXX returned funds to SOFI on XX/XX/24 for the amount of {$710.00}. The amount never came into my account. I spoke with XXXX and their third party XXXX and they sent me proof along to SOFI that the funds were returned. I have placed multiple disputes and emails with SOFI to get my money back but they refuse to look into it. XXXX sent them a Bank XXXX XXXX form and a phone number XXXX and case # XXXX. Sofi refuses to look into this and I have emailed them multiple times with proof and have been contacting supervisors. The time frame has now been over with and they are not providing provisional credit. The back office is claiming the merchant has to get back to them but I have spoken with the merchant and they have proof SOFI 's back office is not getting back and they have sent them multiple requests. When speaking with a sofi manager, they claimed there is nothing they can do because the funds are in grey middle area where both companies do not have access to until things are resolved.
Consumer complaint received 2018-12-28
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. (TX)

Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's Equifax and XXXX  but this specific complaint is directed towards Equifax. 
I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Equifax but they were not able to see anything even when i tried to check my Equifax credit score on XXXX and XXXX i was able to see the credit scores from other 2 bureaus ( XXXX  and XXXX ) but not on Equifax so i tried to reach out to Equifax customer support almost 50 times from the past 10 days and there was no clear response from their side and looks like they don't even care about people, their customer support never gave me the answer that i wanted so i'm unable to get any auto loans approved as most of the banks/ credit bureau 's pull their reports from Equifax. 
So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible. 
I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well. 

Will be waiting for your Response. 

Thank you, XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CO)

I started getting phone calls about this debt in summer of XXXX This was for an account that I had to pay off in order to cancel my internet services through them and get service from a new provider. It was required that I paid it off at the time of cancellation. When I started getting these calls from the debt collector, I contacted XXXX XXXX directly and was told they no longer had any information about my account in their system and that I would have to go through the debt collection agency. I requested written documentation of the debt from this debt collection agency multiple times and nothing was ever mailed or emailed to me regarding the debt. In possibly XXXX of XXXX this debt was transferred to another debt collection agency ( I believe it's transworld collections ). I started getting calls from them, requested written documentation again of whatever the charges were ( around {$460.00} ) and after a month of not receiving any additional info from anyone, I filed a dispute on my credit report for this charge. I called Transworld XXXX weeks ago and was told that because it's being disputed, they are still " on hold '' with this account and can not provide me any information until the dispute is figured out. I STILL have not received anything in writing about what they claim I owe or why I would owe it. I didn't hear about this debt from XXXX XXXX, ever. The first I heard about it was XXXX years after I closed my account with them. I never got anything in the mail, I never got a phone call, and I successfully cancelled my service with them and got it through someone else with NO COMMUNICATION ABOUT AN OUTSTANDING DEBT. This is knocking my credit down XXXX points and it's been XXXX months since I disputed with absolutely no resolution and STILL not written communication pertaining to the debt.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

Complaint Details : Unfreeze my account.They offered no resolution to the technical error within there two-step verification link.No matter what device or other cellular phone number I use to complete this step.keep running into a dead end because the link doesn't offer me the option to take/upload a selfie of myself.I have asked everyday for the past week to forward this issue to their review team and to even have a callback, nothing has been taken into action.Initially I attempted to find out why they sent my replacement debit card to the wrong address, keep in mind this card was issued because sofi allowed the very merchant I asked them to block and flag.took money out of my account for a 3rd time.there was no accountability taken and then I get hit with a verification biased process that caused them to freeze my checking and savings account.Now I am also in the process of awaiting a 2nd debit card replacement for another priority shipping business days.XXXX XXXX was my only form of having a way to pay for my transactions : not every merchant accepts XXXX. I have been with this bank for 4 years and never encountered an issue like this before. They are rude, unacknowledgable, and unsympathetic to my sufferings.My most recent deposits from my employer as well as my child support have been pushed back or placed on hold, that i also wish to obtain in full please.At this point I'm going to bank with another bank and wish that once my account is unfrozen, that Sofi Preforms an electronic transfer of all my currency to the new bank without any hassle.They have completely lost my trust, ridiculed me, didnt work along with me as a team/trusted bank and have caused me great strife/stress with my priorities ( bills plus tacked on late fees ) from this on-going, unresolved, verification process. I am at risk of keeping my vehicle, termination of my utilities and other priorities due to this situation.I emailed my identification to the only email I could find of sofi and that was rejected. Sofi has went in without consent to resolve a $ XXXX balance that was un my checking with money from my savings. I never authorized for.my savings funds to accrue any overdrafts in my checking account. My overdraft protection is only for.my checking, and that my next direct deposit have the fees restored from that.This action was preformed during the time that I was frozen out the account. Even with the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, Sofi remained passive aggressive without supporting any solutions. It's their way or no way
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/2024, UNAUTHORIZED CREDIT INQUIRY FROM XXXX  XXXX, CONTACTED BUREAU TO HAVE UNAUTHORIZED INQUIRY REMOVED.