davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

In XX/XX/XXXX Suntrust Bank would not take my mortgage payments for my property do to a credit line that I owed that was unsecured .Suntrust said I would need to pay the credit line in full ( XXXX ) before they they would accept any payments form me. ( I was confused ) I asked Suntrust Bank who I needed to talk to .They said to contact XXXX XXXX ( Senior Asset Bank Dept.Manager ). I called in XX/XX/XXXX and he told me no payment would be accepted unless line of credit was paid in full. Since I could not afford to pay the line of credit in full I listed the property up for sale in XXXX XXXX line of credit was charged off in XXXX. ( I have documents ). I sold the property on XX/XX/XXXX XXXX and when I went to settlement Suntrust charged me {$3200.00} in late fees and interest of {$38000.00}. ( I have documents ) I completed/finalized the settlement. The next day XXXX XXXX I went to Suntrust/Truist location ( XXXX XXXX Md ) .I was told my contact person was XXXX XXXX XXXX.I reached out and discussed the situation and he said that Suntrust/Truist would give me a refund on my late fees. They did ( I have documents ). The next day I called again about the interest, XXXX XXXX said he could not help but sent me a screenshot of his computer screen ( I have that picture ). Something is not correct no refund on interest but late fees, yes. I would not have been in this situation if Suntrust/Truist would have excepted my payment or did any other actions, so they pulled the note from me. I carried the insurance the entire time. I was advised to contact CFPB ( Consumer Financial Protection Bureau ). I look forward to hearing from you.
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (TX)

1 # MY CALL IS ENDLESS WITH THE NFCU AND ITS WEAK CUSTOMER SERVICE AND MANAGEMENT ON THE PHONE TODAY. 
WHY DO YOU FEEL LIKE ITS OK TO XXXX ME AND WHEN I GET MAD YOUR ANSWER IS TO HANG UP ... WHAT THE XXXX! 
I HAVE A PROBELM WITH A SIMPLE FACT I SET UP WITH YOU ON A RECOREDED LINE TO PAY XXXX TO PRINCIPLE. WHEN DOING SO YOUR REPRESENTATIVE NEVER SAID ANY AMOUT WAS GOING TO PRINCPLE. MY 1ST PAYMENT IS DUE XX/XX/22 AND I PAID WELL IN ADVANCE NEVER BEING TOLD MY XXXX WILL NOT GO TO PRINCIPLE. 
# 2 MY CREDIT CARDS : THE ONE WITH MY SON XXXX XXXX ENDING IN XXXX SHOWS UNLOCKED YET WHEN ITS BEING USED FOR XXXX IT IS DECLINED. YOU ARE A MESS AND I AM TIRED OF TRYING TO SPEND ENDLESS HOURS TO FIGURE XXXX OUT. 
FIX YOUR APP/WEB APPLICATIONS THAT ALLOW ME TO HAVE CONTROL OF MY MONEY AND MANAGEMENT GET IN LINE WITH HELPING PEOPLE AND TRY TO UNDERSTAND THE FRUSTERATION WHEN YOU XXXX WITH MY FINANCES!!!!
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (IN)

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2021-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing my erroneous accounts reported in my credit report since XX/XX/2021 and have never received a response from the credit bureaus. What else am I supposed to do so that my rights are not violated? I have already sent letters by all known means. I am not happy with the way the credit bureaus have handled my case. I am in my right to dispute all the erroneous accounts that I find in my report, and, if it is not verified, it must be eliminated.
Consumer complaint received 2022-11-02
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account, 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, 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
Consumer complaint received 2021-05-10
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. (NV)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-11-02
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. (CA)

In accordance with the Fair Credit Reporting Act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IA)

On or about XX/XX/XXXX, a vendor erroneously processed a charge through a third-party payment processor ( Web Authorized Pmt XXXX  ) in the amount of {$30.00}. This caused a surprise temporary negative balance ( which has now been, separately, reversed, resolved ) on my business checking account and triggered, on or about XX/XX/XXXX, an 'Overdraft Paid Fee, ' in the amount of {$36.00}. To the best of my knowledge, I have not authorized the use of any 'overdraft protection services ' on this account, given the option, nor would I. But, it appears, the default account management is for the bank to automatically opt-in customers to their suite of overdraft 'protection ' products in order to 'pay overdrafts ' so they may charge excessive, rent-seeking fees, such as the one assessed to my account. In this particular case, the fee of {$36.00}, amounted to an incurred cost higher than the item itself ( {$30.00} ) the one it was supposedly paying to cover. Such profiteering fees should be disallowed entirely ; but, the bank should have to be more explicit about the scenarios where these fees may be incurred. They should be required to be much more upfront and transparent about when and how to opt out of these so-called overdraft 'protection ' plans completely. I do not want this or any overdraft to be 'paid ' now or in the future and expect the bank to reject any and all debit and/or drafts that would cause an overdraft to avoid these fees, entirely. Any reasonable person would call these fees excessive.
Consumer complaint received 2022-11-02
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. (TX)

I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$22.00}
Consumer complaint received 2023-08-08
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)

I have two fraudulent accounts and three inquiries On my credit report. 
Accounts XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00} Inquiries XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX
Consumer complaint received 2021-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I have been in COVID-19 forbearance since XX/XX/XXXX. I was 2 payments behind at the time the forbearance began, however I would not have requested the forbearance if the country had not shut down due to the pandemic, as I was working two jobs and able to make payments at the time. 

In early XX/XX/XXXX I reached out to my servicer to begin the process of ending forbearance. They requested additional information multiple times, which I provided. I finally received confirmation that they had all the documentation that they needed in late XXXX. I received the final verdict of the loss mitigation, and was surprised to be denied all available loss mitigation options. After 2 months reviewing my information, all of which documents that the forbearance was COVID-19 related, it appears that my loan servicer did not look into pandemic related support for my mortgage. 

According to the determination, I am required to pay {$24000.00} in order to maintain my loan. I do not have access to this amount of money, and from my understanding of Pandemic legislation, my servicer can not request a full lump sum reinstatement since I have an FHA mortgage. 

I am submitting an appeal today, XX/XX/XXXX. However, I am very concerned as the documentation states that if my appeal is not approved, I will have to pay the full amount by XX/XX/XXXX in order to keep my home. I feel that I have been mislead throughout the process, with documentation stating that there would be multiple options for paying the missed amount back. I am both shocked and scared that my institution is now stating that I have not options.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$22.00}
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not approve my credit pulled from the companies below I didn't authorize and I need them deleted immediately XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/202XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OH)

I filed this complaint ( below ) in XX/XX/XXXX and in it was still pending at the end of XX/XX/XXXX. I recently just checked in on it and saw that they finally answered it in XXXX. I am responding in a more timely manner, and my complaint has already been closed. I read the response and it didnt give me any useful information on how to get my money back. 
I was unaware of some of the funds sent to me. I did receive 3 checks, {$17.00}, {$26.00} and l believe one for {$1200.00} and some change.

In my previous complaint, I did not note that I simply did not receive the checks that were endorsed to someone else, or the checks that have not been cashed. Someone intercepted them in transit. While the representative stated that Netspend cant reissue checks, I would have to argue that they have a responsibility to make sure that my money gets to me when you are closing my account without my knowledge. Had I been given the option, I would have just transferred funds to my bank. It is a HORRIBLE thing to have my own money being thrown around without my knowledge or consent. 
Also, in regards to being send an affidavit, I never received it. 
I did receive 6-7 new cards with my name which remain inactive. 


Previous complaint ... 


I have had a couple of net spend accounts for approximately 6 months. I was notified in XX/XX/XXXX that they had been closed due to suspected fraudulent activity. I was told that I would receive closure checks for the money that was in each account. Any open disputes that were found in my favor would be sent in separate mailings. After a couple of weeks I contacted them and advised that I had not received any payouts and I was advised one one call that they were on the way and on another call one check for XXXX had been cashed. I was sent a photocopy of a check but never received the real one. I'm told aside from the cashed check there are 2 others totaling XXXX and XXXX that were sent and are outstanding. Net spend says they can not reissue them.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

The bonus terms were : Get a {$750.00} bonus if you deposit {$50000.00} or more in new money within 15 days of account opening, maintain an average balance of {$50000.00} during the maintenance period and make 5 qualifying electronic payments -- -- -- -- -- -- -- -- Did not get bonus of {$750.00} inspite of completing all requirements and calling up the bank.
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I decided to refinance my Nissan XXXX 2018 to reduce the APR. The original loan was trough Nissan Motor Acceptance Corp with a 6.49 % annual. My bank XXXX XXXX XXXX XXXX approved me a new auto loan for 3.99 % annual so I requested their check ( {$19000.00} ) from a branch and sent it to Nissan. They received my check, cashed it out on XX/XX/XXXX but they did not apply that payment to my account. On XX/XX/XXXX they sent my account to collection and now they are trying to repossess my car. 
The best part is, Nissan already sent the title to XXXX XXXX!! That means that Nissan is trying to repossess a car that has another financial entity as a lienholder!!! 
I went to my bank and they provided me proof of the title and the check cashed out. 
I spent hours on the phone and they are not helping me at all and they don't stop calling, threatening me as a debtor and harassing!!
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

Our loan was transferred from The XXXX XXXX to PNC Bank in XXXX. Prior to the transfer, The XXXX XXXX sent us an Escrow Account Disclosure that stated we needed to pay {$260.00} or our would increase starting XX/XX/XXXX. Since I was already told that our loan was being sold AND MOVING TO PNC Bank as of XX/XX/XXXX I was confused. So I called The XXXX XXXX  and told them I wanted to pay the amount due of {$260.00} but since our loan is being transferred do they recommend I wait and they said that's fine. So XXXX comes and PNC Bank finally sent us our first mortgage statement and it's our normal payment due of {$2600.00}. Nothing else comes in the mail until the next statement that says this payment is {$3400.00}. We called them right away to find out what happened. They said it's our escrow. We looked at the different statements and saw they are now requiring an increase in our escrow by an additional {$720.00}. Our payment was due but they ( PNC ) said we had to make payment now and we can figure it out in the next week or so. So we had the increased payment. I called back to PNC a week or two later to see if they figured out the problem yet and was told yes, they don't know New Jersey taxes so they double charged us ( County & City taxes ). I asked if this being fixed they said we are putting in another request for the escrow department to take another look at the account and they told me to call back in about a week. I call back again to follow up because another payment would be due again for XXXX and I was told another run around that we don't have any answers so you'll need to make another large payment. Now here we are in XX/XX/XXXX and another payment is due. I called today and they still don't have any answers. They just keep telling me to make these large payments.
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called XXXX XXXX XXXX Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. 

I have tried to explain that I have never had any type of credit card, in my name, in my entire life. 
But, after this XXXX BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.

My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. 
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OR)

I called BBVA customer service about getting into my Simple account 8 times this morning at about XXXX PST. The service reps did not say anything at all or said they couldnt hear me when trying to receive help with my account. Their website says I need to call somebody for help, but wont put me through to anyone who will help me and now I am still locked out of my account.
Consumer complaint received 2022-11-01
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. (FL)

TRANSUNION is reporting inaccurate information about me. Here are all the inaccuracies on my credit file : XXXX XXXXXXXX XXXX I do not owe a debt to this company. 

XXXXXXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX ( all 9 accounts are inaccurate ) I do not owe a debt to this company.
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NC)

I was recently in an accident with possibly totaled Car on XX/XX/XXXX. 
I called XXXX to report the claim but they told me that I didnt have collision insurance. 

XXXX states letters were sent out 3 months after the purchase of my vehicle to me for consent to rate, which I never received. And that in XX/XX/XXXX they reported to Ally I no longer had full coverage on the Vehicle. 

It is required to have full coverage on the vehicle in order for me keep the loan and continue making payments. 

Ally should have either notified me of my lack of coverage as it is a breach of contract- and asked me to correct or force place coverage on me. 

They admit to having received notification of the lack of coverage in XXXX, but continued to let me make payments. 

We are at the point now where I have a near totaled vehicle that is potentially not covered.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Brown and Joseph, Ltd (MA)

I had XXXX insurance with XXXX insurance because we thought we where going to get a large contract and open a business. The contract fill thru and we did not open our company but we paid the insurance policy anyway in good faith. We got paperwork to audit the policy and I filled it out explaining that we did no work because we never opened. They sent the balance that they made up to Brown and Joseph in IL that have be rude and treated me on several occasions!! I have done my part with XXXX and they have not done anything and Brown and Joseph are being scary!