davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

HI I a freshman student trying to build credit score I applied for discover credit card in XXXX end, after receiving the card while I was trying to activate the card I was told that my account was closed and I need to get rid of the card and reapply again.The reason they provided me for my card cancellation is that they asked me for some tax return documents which I do not have since I am a freshman. It has been 3 months since I try to apply every 10-15 days but I can not do so. And after having a word with the company several times I was told that there is nothing they can do. Also, due to this reason I am not able to apply for any credit cards available in the USA.
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (OH)

The company ( Nations Lending ) XXXX Washington - XXXX # XXXX. I was encouraged and was told that a appraisal needed to be completed which I knew that was needed which cost me {$600.00}. They denied my loan because they said that they were looking for my home to be appraised @ {$330000.00}. But they knew my house was only worth at least {$310000.00}. They even told me that doing the process. I am ok with them denying the loan but they should has told me upfront prior to getting the appraisal that was the number needed. At first they did not want to provide me with the appraisal documents. 
I called the appraisal office and they informed me that their cost was not {$600.00} but around {$250.00}. So why and how can this company keep any of the monies for the appraisal that they denied. I am a XXXX XXXX living on a fix income and they deny my loan and was not honest with me. They took advantage of me. I was lied to multiple times. 
I should be due back {$350.00} XXXX XXXX XXXX
Consumer complaint received 2020-03-10
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: Exeter Finance, LLC. (GA)

I mailed the companies a hard inquiry removal letter on XX/XX/2020 with companies that I did not recognize on my credit report and when I call the companies to see if the have received the letters they stated they did not receive them. I believe this to be false and would like to your company to file a report also.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I hired a contractor to repair my chimney and the work was not completed and what was completed was completed is not to industry standards and everything needs to be rebuilt. I filed a dispute with my credit card at Bank of America and they are refusing to help rectify the situation.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

That on XX/XX/ I sent a written notice to Department of EducationXXXX opting out of credit reporting. The Department of EducationXXXX has yet to respond to my demand.
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a consumer XXXX XXXX. My privacy continues to be violated by CAPITAL ONE who is deemed a financial institution pursuant to the XXXX XXXX XXXX XXXX. CAPITAL ONE did not give me the disclosure to opt out of credit reporting which is optional for myself the consumer. CAPITAL ONE is reporting and communicating false debt that I do not owe to third party agencies. I have demanded that CAPITAL ONE cease reporting my private information immediately. I also demanded that CAPITAL ONE give documentary evidence of the alleged loan that CAPITAL ONE says they gave me. This demand includes all documents, papers, correspondence, books of accounts, and financial and corporate records from CAPITAL ONE. CAPITAL ONE refuses to give me the consumer how they gave me an alleged loan. CAPITAL ONE 'S actions are causing me significant harm and damages and financial hardship. CAPITAL ONE does not have consent to share my private information. I am not obligated to pay them this alleged debt as a consumer.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (TN)

SunTrust banks claims that I opened a credit account with them on or about XX/XX/XXXX. They are stating that I opened this account and that I have never made any payments on it. 

I discovered this by a dramatic change in my credit rating in XX/XX/XXXX. I did not open an account with Suntrust Bank. I have never received any bills from Suntrust. I do my banking elsewhere. 

I opened a case with the Federal Trade Commission ( FTC Report Number XXXX ) and placed a police report with XXXX County Sheriffs Office in TN on XXXX. I also sent letters to the all credit reporting agencies and opened a fraud investigation with Suntrust Bank ( Case ID # XXXX ). Not having heard back I sent Suntrust a follow up letter requesting information and alerting them to the fact this was a fraud. 

Suntrust sent me a letter on XX/XX/XXXX stating " Suntrust values you as a client and would like to help you meet your financial goals '' and that they believe the account is being reported accurately. 

They did not provide any information on account activity or exactly when and by whom this was opened. I am not responsible for Suntrusts failure to verify identity before creating this account and loaning money. Suntrust has not even attempted to assist in an investigation with the police or given me any information that would assist with this.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo XXXX XXXX XXXX is so Screwed-up. 
XXXX XXXX XXXX Choice Wrong Bill Pay. Account to PAY Bill.to SLS Mortgage Payment was NOT due Until XXXX and this Payment is recurring every month. 
WELLS FARGO BANKING SYSTEM. I believe Deliberately. Pick, it's owen. When my Account has LOW Balance to PAY other Bills to PAY. SO BANK can Charge. Overdraft. Protection FEES. And BANK wants Customer FEEL embarrassed to Go along with their ACTIONS.justified. 
Basically. either they Finding Cordway to Make Money.Please See my attach Wells Fargo Bill Payment. Was Schedule and ACCOUNT # XXXX inted they PAID Account # XXXX.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK (MS)

So on XX/XX/XXXX I was charged an additional XXXX dollar for an overdraft fee. 
There was an overdraft fee on XX/XX/XXXX were the bank is saying since they charged me the XXXX dollars for overdraft fee they covered the balance. So they decided to charge me an additional fee on the XXXX of XXXX were my balance was XXXX dollars. They went an explained that since they covered the balance for their own overdraft fee. So they are saying of you maintain a negative balance they will continue to charge you XXXX dollars of overdraft fees until you put extra funds in the bank. Seems unethical for them to do it and keep approving this charges if later they will come back to charge additional fees. This is a new tactic from the new bank that took over bancorpsouth. Now owned by cadence bank. The issue is being faced by many people with this bank but they will not refund. Spoke to XXXX who was thinking the same as me that it should get refunded but supervisor XXXX denied it to him.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Consumer complaint received 2023-02-12
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. (SC)

Several letters have been sent to all 3 credit Buearus in reference to these accounts listed XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX. All 4 of these accounts are inaccurately reporting on my credit report. From mix matching account numbers, invalid account numbers, last reported and last activity dates are wrong. I have been sending letters sinceXX/XX/XXXX2022 in reference to verifying these accounts and correcting the eras. Per the FCRA, IF THE ACCOUNTS CANT BE VERIFIED THEY MUST BE REMOVED FROM THE CREDIT REPORT. Reference 15 U.S.C code 1681e- Compliance procedures : ( b ) Accuracy of report.
Consumer complaint received 2023-02-06
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. (MO)

A recent entry in on my report is fraudelent and must be removed. My social was used to obtain gas services in XXXX XXXX. A place I've never lived in my entire life.
Consumer complaint received 2023-01-16
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. ()

So many things have happened, but the most important to me now is : 1 ) I called XXXX XXXX on XX/XX/XXXX to initiate a refund of payments made since the payment pause. The call itself was pleasant and professional. I was told it would be 8-10 weeks. I also asked about my PSLF documents that were now gone from their portal and that I could not download or retrieve them or see how many qualifying payments I had made ( I was considering applying for the temporary forgiveness offered as I was close to meeting the required number ). Unfortunately, the agent did not know where I could find them. 

XXXX ) In XXXX, I called to check on the status of the refunds of payment made request because the refund never made it into my account, and they told me it has been taking an additional 12 weeks and just to keep watching my account. 
XXXX ) Skeptical of the latest advice given, in late XXXX, when I want to make a followup call, I see my loan has been transferred to Aidvantage XXXX XXXX XXXX  ( formerly Navient, formerly my prior servicer, also was my servicer as XXXX which incorrectly told me not to do an income driven repayment plan to qualify for PSLF back in 2013 when I consolidated my loans because I worked for a public university because " you would have to pay taxes on the amount forgiven and with your income and the payment size, it would be hard for you to make that huge payment of tax also that one year '' ) ... .... 
XXXX ) Now, I called XX/XX/XXXX to see if I could track down any information. And AidAdvantage was not able to see my payment history but has to request it. I was told that would take 10 days, so I should call back on the XXXX and request my refund then, but that I should keep in mind that the refund is estimated to take 20 weeks.

20 Weeks, really? What other financial transaction takes 20 weeks to complete? 

I am a single parent and I had hoped taking the refund of payments and putting them into a savings account to earn some interest for a few months until the payment pause ended at the least, or enjoy forgiveness in giving my family some breathing room at the most, but instead these companies/agencies have carefully timed it so that the week that I MIGHT get my refund, if things go smoothly now, will be only one week before the payment pause is ended.

It is absurd that this lack of transparency can happen in the current context where my documents for PSLF are " missing '' and that the prior request for a refund in XXXX is " missing '' and " irrelevant '' and now I am financially harmed by the inaction and lack of coordination in the transfers and handling of my loans. I was also given incorrect information regarding the appropriate payment plan for my PSLF progress.

What is the point of offering ANY of these potential aspects of relief if even when we try to do the things in compliance, we can never gain any of the relief. It is cruel.
Consumer complaint received 2021-03-11
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mtg company Mr Cooper uses some XXXX party processing company to process insurance claims and they are withholding my insurance money. 

I dont have a contract with the company they use and I never agreed to use another company or allow them to handle My funds. 

I have asked for Specific benchmarks in writing to meet the dispersement of my funds which of course they do not have and refuse to provide. 

My mtg company has a very small % of interest in my house with my loan and I feel as if they are trying to impact my home. 

If there are no clear Benchmarks in writing to be met how can anyone know what needs to be met? I have read numerous complaints about this company and need help now. I have little kids that need a kitchen to eat. And I will not continue the work on my house or come out of pocket when the money they are holding is mine. 

My loan is With Mr Cooper And the company they use is insuranceclaimcheck.com. Please help
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (FL)

Hello, my name is XXXX XXXX, On, or around XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX tax return of {$1000.00} & {$830.00}, respectively, went to the wrong Chase bank, checking account number as follows : XXXX XXXX XXXX XXXX XXXX XXXX Also, my IRS tax return from XXXX, which was routed from the IRS through XXXX bank in the amount of {$3300.00}, went to the same incorrect chase bank routing and account numbers as above. This XXXX transfer occurred on our around XX/XX/XXXX. Please note, I have called, sent return requests, filed claims and sat down with a few bank managers to get this matter resolved to no avail. All the proof is very evident that these are my funds and need to be returned to my account immediately with interest. This has been an ongoing and unresolved issue since XXXX of XXXX! 

Please note below the correct bank info., My info is below. 
My chase bank account number, which is where these monies should have been deposited is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Any other questions, please contact me via email, XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (IL)

XXXX XXXXXXXX XXXX  : XX/XX/2022, never requested this company to pull my information. There are no written documents or signatures suggesting that I gave permission for this. 

XXXX XXXX XXXX : XX/XX/2022, never requested this company to pull my information. There are no written documents or signatures suggesting that I gave permission for this.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (GA)

We closed a refinance mortgage and 1st is we didnt recieve any copies of the loan papers 2nd we signed and auto withdraw with the same bank ( Regions ) but they stated we didnt but no copies of documents 3rd they stated they sent billing statements which we never received 4th only correspondence we recieved was was a notice they sent lack of payment to credit companies 5th we tried to fix with them and they denied any cupibility which again no documents 6th when recieved notice called and paid up to date and filled out anto draft document 7th they stated they called us but never left message because our phone said a scam call
Consumer complaint received 2023-01-16
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. (NJ)

Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including XXXX XXXX XXXX. regarding " LATE PAYMENTS '' Regarding XXXX XXXX  # XXXX The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. Any further contact regarding LATE PAYMENTS by you, GREATER XXXX # XXXX your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. Task that you respect my consumer rights.